8668919725

It isnt a scam, most likely you really do owe someone money, last time i posted, i mentioned that i am a debt collector now myself, but i am a good one.  I learned so much.  Well guess who called and left ANOTHER message.
Someone from patrick corbetts office.  
I urge all of you to file a complaint with the attorney generals office for violation of the FDCPA.  Here are a couple reasons why we have a good case

1.It is against the law for a debt collector to leave any information besides name and number on an answering machine.  It violates disclosure laws.  The ONLY way they can say anything else is by saying the mini miranda which states "this is an attempt to collect a debt, any information obtained will be used for that purpose." and even then they can NOT say they are sending a summons, they are not allowed to say anything else but company name basically

2. Secondly, kind of related to the first one, they do not say the mini miranda when they talk to us. MAJOR violation

3.Most likely they are a 3rd party collection agency who buys debt.  The people calling are not investigators, they are debt collectors, they misrepresent themselves which is also an fdcpa violation.

4. They are not allowed to contact a 3rd party, i.e family, friends ect, once they establish contact with you

5. They are not allowed to tell a 3rd party anything other than their name and their phone number.  Saying they are investigators and telling family why they want to talk to us is a violation.  

If you can, record their phone calls.  KEEP THE MESSAGES they leave.  They are proof.
Lets get em gang! Ill keep ya posted!

i've been getting calls too, but i looked up patrick corbett and he is a real attorney in NYS, so whats the deal??.........and for adam i dont know of any debt collector who is a good one......as far as i'm concerned you are all the same.......y would u even take a job like that.......u mean to tell me the agency you work for is 100% legit??

I recieved a call today from this attorney and They wanted my account information and credit card. I did not give it to him but told him I would call back. I am in Mississippi.

Do NOT call them back and give them ANY information regarding your financial information. They will clean OUT your checking accounts!

They are required under FDCPA Laws to VALIDATE the debt they are calling you about. The next time they call, inform them of this and hang up.

Here is a template of a Validation Letter to send. Just fill in the blanks.

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

Corbett Law Office
Patrick Michael Corbett
Dba/Southern Tier Agency
2265 George Urban Blvd.
Depew, NY 14043
Phone: 800-504-5734
or (716)-681-3838
Fax: (716)-681-2892

Also:
92 Ontario Drive
Cheektowaga, NY 14225
(716) 903-1144

Head Debt Collector:

Attorney Patrick Michael Corbett

NYS Bar #4186664

Also send the letter VIA CERTIFIED MAIL (with return receipt requested). Keep copies of everything!

OOPS...forgot the link to the letter:

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

ihad received calls from this lawyer and was told to ignore this. they were collecting on a payday loan that i had done w/checkmate. a few months later i received a judegment against me and now i am being garnished. im in wisconsin and from what i have learned they have taken alot of people to court, you can search for yourself on this website http://wcca.wicourts.gov/simpleCaseSearch.xsl under business name checkmate cash advance.......so im confused.......if the advice given on this website is true then how to you all of the cases filed on this website?? seriously...what the hell

they also said if I dont  give it to them they will garnish my check

Called with case and docket# Said he needed money in 48hrs.Wouldn't except check in mail only electronically filed. Said he wanted bank account # . Refused to Give money. Told me he would Email me credentials. I can't wait to print that off.

A person called named Alan Rhodes requesting a call back regarding a fraud case againist me with a so called docket/case # number, knowing that I havent any cases or ever had any pending againist me I googled it of course and up came this informative site. This corbutthead fellow is bad news and will not be recieving a return call from me for their sick benefit.

a lady by the name of Dianna Reese called me and said she was from the county I was from, and that someone would be delivering a summons to me by 9am at my home. She even left a case # for me. The oddest thing was she knew my maiden name which I havent used in 17 years. How is that possible? What made me think after a short panic of oh my god, what did I do? was she called my brother's house phone and asked for me, (she got thier answering machine) and two, the number was not a local one, let alone a New Jersey phone number (1-866-891-9725)I naturally then googled it to find where it was and came across this page. I did try to call it back but got an animated answering service. This is scarey the level people will go to scam money from others. Its horrible.

Patrick called today and left a message for my mom, which does not live with, for her to call him back immediately.  He also mentioned that it was a fraud investigation, left a docket number and said that she must have her own attornry contact him back.  He also mentioned that he is sending a summins for a court appearance to her home and job, so I am interested in finding out if he really sends her something.  I am so glad that I decided to research him before I gave my mom the number.  I cannot believe what people would do to others for money.  I guess some people really do not want have REAL jobs to pay their own bills.

Thank you to everyone that has posted their information to help others from getting scammed.

With that one phone call, your mother has grounds to sue this shyster for multiple violations of the Federal Debt Collection Practices Act (FDCPA). First, it's illegal for a debt collector to disclose anything about a consumer to a third party -- even if that third party is her son. Secondly, it is illegal for a debt collector to threaten to sue when he has no intention of suing.  (By the way, debt collectors don't issue a summons; courts do.)

As I'm sure you saw in an earlier message, here is this shyster's contact information:

Corbett Law Office
Patrick Michael Corbett
Dba/Southern Tier Agency
2265 George Urban Blvd.
Depew, NY 14043
Phone: 800-504-5734
(716)-681-3838
Fax: (716)-681-2892


I suggest you do all of the following:

1) File a complaint against Corbett with New York's attorney grievance committee for the 8th Judicial District:

Attorney Grievance Committee
Eighth Judicial District
438 Main Street, Suite 800
Buffalo, NY  14202-3212
Phone: 716/845-3630
Fax: 716/856-2701

2) Report Corbett to the Federal Trade Commission. You can file a complaint online at https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

3) File a complaint against Corbett with your state's attorney general. The contact information for each state's attorney general is at www.naag.org  Just scroll down to the national map graphic and click on your state.

4) File a complaint against Corbett with the New York Attorney General at http://www.oag.state.ny.us/complaints/complaints.html

5) Have your mother send Corbett a letter directing him to cease all communication with her, and warning him that she will pursue legal sanctions against him under the provisions of the FDCPA if he fails to comply. Be sure to send the letter via certified US Mail with a return receipt request, and save a copy of your letter. If Corbett contacts her more than once after receiving your letter, then he's in violation of the law (again) and you can lower the boom on him in court for fun and profit.

6) Sue him. What this shyster has already done to your mother is actionable; she has ample grounds to sue him for violating her rights under the FDCPA.  Check out these websites for more information on protecting yourself from outlaw debt collectors and suing them:

Consumer Credit Advocate Bud Hibbs - http://www.budhibbs.com/First.htm
National Association of Consumer Advocates - http://www.naca.net/debt-collection-abuse/
Fair Debt Collection - http://fair-debt-collection.com/
Warren & Vullings, LLP - http://www.fairdebtlawyers.com/
My Fair Debt - http://www.myfairdebt.com/
Consumer Counsel Group - http://www.consumercounselgroup.com

Alert! Alert! PLEASE READ THIS IMMEDIATELY!

GENERAL PUBLIC WARNING:

Just yesterday, 02/07/2008, Southern Tier Agency Inc pulled my wife's credit report without authorization. We do keep strict accordance to our credit files, as in to keep good records, etc....

Their current phone number is 716.681.6450 and is located at 2265 George Urban Blvd, Depew NY, 14043-1921. I am a licensed investigator for law and government. I was shocked to see that this illegitimate organization was able to get my wife's experian credit report without written authorization.

Investigation Analysis:

On the credit report, it indicates this information as a inquiry made on 02/07/2008:

Southern Tier Agency
Bulk Purchase Finance
2/7/2008

I ran the dispute section in Experian to determine who pulled this credit report and for what. It says for "collection purposes". I immediately initiated the fraud alert option on my wife's credit file because they have pulled someone's credit file without legitimate authorization.

I ran a search on the internet and found this valuable information.  
http://www.giovelawofficeexposed.com/corbett.html

Clearly enough, this is in violation of several federal laws including the privacy act on credit reports. I am not a lawyer but I know enough that is a fact. For their action, I am going to go after these guys for internet related fraud crimes. Whatever you do, please check your credit reports to make absolutely sure they are not stealing your personal information and contact the attornies listed in the link I gave to you above.

Thank You

You have Southern Tier Agency and Patrick Corbett RIGHT where you want them, for they have clearly violated FCRA laws:

B. The Fair Credit Reporting Act

This Act, 15 U.S.C. § 1681, requires consumer reporting agencies to adopt certain procedures relating to consumer credit, personnel, insurance, and other information to ensure the confidentiality, accuracy, reliability and proper verification of the information in accordance with the Act. The FTC is responsible for administrative enforcement of compliance with the Fair Credit Reporting Act ("FCRA"), except to the extent that enforcement responsibility is specifically committed to another agency under 15 U.S.C. § 1681s(a). A violation of any requirement or prohibition imposed under the FCRA is treated as a violation of the FTC Act. Id. The FTC may thus use all of the procedural, investigative, and enforcement powers available to it under the FTC Act as if they were part of the Fair Credit Reporting Act.

Some significant recoveries under the FCRA and other Acts include United States v. Tower Loan of Mississippi, Inc., Civ. No. J90-0447(L) (S.D. Miss.) ($175,000 civil penalty and over $1.3 million in consumer redress for violations of ECOA and FCRA, with additional $100,000 civil penalty and $240,000 consumer redress in 1997 action related to order violations); United States v. Academic International, Inc., No. 1-91-CV-02738 (N.D. Ga., November 26, 1991) ($150,000 civil penalty for violations of ECOA, FDCPA and FCRA).

Criminal cases under the Fair Credit Reporting Act can be brought when a person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 15 U.S.C. § 1681q. In 1998, OCL obtained the conviction of an individual in Colorado who had fraudulently obtained a credit report to use in a political campaign. **Criminal charges also lie where a consumer reporting agency knowingly and willfully provides information concerning an individual to a person not authorized to receive that information. 15 U.S.C. § 1681r.** The criminal provisions of the FCRA are only enforced by the Department of Justice.

Corbett and his goons are under the delusion that they are ABOVE the law. It is hoped that your investigation of this incident will aid in shutting down this operation FOR GOOD and putting him behind bars.

http://www.usdoj.gov/civil/ocl/monograph/other_ftc.htm

Hi, i have also got a phone call and they also called every relative, friend, and they said i needed to get back with them in 48 hours. the phone number was exactly the same as the one u have up there 1-800-795-0831. this call was from PATRICK M. CORBETT and i got a letter to saying PATRICK M. CORBETT, ESQ. attorney at Law 2265 George Ubran Blvd Dephew, NY 14043. stating i had fraud, but if anyone got a letter or call like this please E-mail me immediately at jenbone74@yahoo.com Thank you,
                                                           Jenbone74

Received a call from Erin Smith at the law offices of Patrick Corbett regarding a claim against me that needed to be resolved immediately. The social sec no. he left on my voicemail was not mine - someone with a simliar name though. I am in South Carolina and this "case" was filed in Herdon County, OH. I spoke with Erin and notified him that he has the wrong person, that I'm an accountant in SC, and I'm certainly not incarerated as the message also indicated. I searched for Patrick Corbett online and now I see this. Although he had the wrong guy, I wonder if I still have some recourse. Regardless, I will certainly be filing a complaint and monitoring my credit closely. Ironically, I just registered with freecreditreport.com last week for the first time and I still haven't received my access code to view the report. Who knows.

Start leaving a paper trail by sending them this Cease Communication Letter:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

Send it VIA Certified Mail and request a receipt. Keep copies of EVERYTHING.
If they continue calling after you have written proof they have received it, Corbett can face fines of up to $1,000.00 PER violation.

I received a call from Partick Corbett Law office on Thursday, stating that they were going to issue me a summons the following day, if I did not provide them with my bank account information to withdrawl funds from my acccount.  I gave them my account info, and set up to take out the monies on Wednesday of the following week, because ther was not going to be any money in my account until that day.  The only thing, was that I requested that they send me some information on the case prior to taking the money out of my account.  Monday rolls around, I go to the bank, and they tried to take the money out, now I am pissed.....  I call them and they said they would issue a check for the inconvience of taking it early.   Now it is Wednesday and I am getting calls again that the monies were not transfererd, and they want my debit card information, I said ABSOLUTELY NOT!!!  He kept pushing me, and said he would drop the price of my settlement if he could make the trasaction today (this was Thursday - 14th).  On top of all this, I received a numerous amount of harrasing phone calls and my mother received calls as well.  They called my mother and gave her inforamtion about me and my case, what happened to confidentiallty????
I called my lawyer, he said that if they call again, tell them to send the summons and he will take care of the rest.
These people should not be able to get away with this type of intimidation.

I received 2 calls one this morning (2/21/08 @ 7:53am) mistake #1 from some character with Patrick Corbett's Law Offices at 866-891-9725, he left me a voicemail this 2nd time on my work vcml machine to return his call with in 48hrs (mistake #2) it is againt the FDCPA to give a specified time for a return collection call. his voicemail also stated that if not returned in 48hrs there would be a summons issued for a court appearance (mistake #3)debt collectors can not threaten court unless they have already filed papers in the courts. the kicker to all of this I am not the person who has the debt and my answering machine here at work has my full name on it so why he illegally left me this vcml regarding someone elses detailed debt problem is beyond me now granted my last name is the same as the person he is looking for he just assumed that I was a spouse (mistake #4) although I am I could have very well been an aunt, niece, grandmother, mother etc. this is disgusting and they shouldnt be able to get away with these illegal practices to collect a debt. The first time he actually contacted my husbands employers HR Dept. and let them know a summons will be delivered to them for my husband soon if he doesnt call them back within 24hrs (Mistake #5) so of course my husband was upset so we decided to call this character when we got home that evening we called put him on speaker phone and ripped him a new one for calling my husbands place of employment and asked him officially not to contact his employer from this moment forward under any circumstances I explained if my husband looses his job he cant pay you anything and we'll be suing you and paying the debt back from the money we collect from our lawsuit against you the caller was unusually quite I went on to ask him who the original company was that says my husband owes them money he had no real answers just gave me a generic answer stated it was a payday loan company (well what the heck is that!!!!) so then I asked him the specific debt amount he gave me some off the wall amount and I knew then I had a live one here he had generic facts but nothing really specific so if you do return this characters call be sure to get specifics about the debt he is eligidly collecting on and to end all ends he asked us what type of payment plan we could arrange with him and I played along and said 5 monthly payments on a debt he claimed was $700.00 (so totally bogus and made up) he quickly said that wouldnt work and if I could pay it in two installmets and they can only except electronic checks, debit or credit cards I told him I dont know him from a can of paint and he would never get any direct access to our account information and if this is a true debt you would have excepted not only the payment arrangment I offered but made a debt settlement amount to get this paid in full which i also offered during the conversation again remember I'm just playing along to see how far he'll go he told me I sounded like I knew a little about collections and I let him know that I'm a collection call center manager for a check recovery agency and I train new personnel on the FDCPA before they hit the call center floor so the company doesnt get sued for illegal collection practices he fell silent again hahahahah and for the last 16 years have done nothing but collections and asked him to try another tactic on the next person bacause this one used on me was whack and to end it all this man never once verified any of our personal information (ie: SSN, DOB, current mailing address to verify against the one he has on file (amateures) any collection agency has this information in order to obatin any type of credit you must supply this information on the application which is also turned over to the collection agency from the company trying to collect there bad revenue) he should have done this first to assure he was talking to the correct person before he let out all of our business to what could have been our babysitter and her boyfriend calling him back in our place hahahahahah (mistake #6) gotta laugh this bunch is a real joke and a lawsuit just waiting to happen if anyone decides to go after them let me know count me in on this one, I'll be checking this site regularly be aware of these scammers they clearly bought some old collection accounts and dont have any facts to back them up.