888-231-8060

pay your bills !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Never had a debt from the credit card company they say they bought it from.

just so everyone knows, this is Michael Taylor from Moreno & Woods making these posts. I know this for a fact. Do NOT let them bully you!!

DO NOT TRUST "JR" OR "MT" THEY ARE THE SAME PERSON HIS NAME IS MICHAEL TAYLOR AND HE WORKS FOR MORENO AND WOODS. HE WILL TELL YOU A BULL [***] STORY LIKE HE OR SOMEONE IN HIS FAMILY WAS BEING TAKEN TO COURT OR THEIR PAY CHECK IS BEING GARNISHED BUT THIS IS NOT TRUE. HE IS SAYING THIS TO MAKE YOU BELEIVE THAT "MORENO AND WOODS" ARE BAD [***] AND NOT TO BE SCREWED WITH. DO NOT TRUST ANYTHING YOU ARE TOLD ON THIS WEB SITE. SOME OF THE PEOPLE ON THIS WEB SITE WORK FOR MORENO AND WOODS AND THEY CAN NOT BE TRUSTED. ALL YOU NEED TO KNOW IS THESE PEOPLE "MORENO AND WOODS" ARE FAKES AND ARE CON-ARTIST'S AND THEY ARE NOT SMART ENOUGH THE GET A REAL JOB.

Hi all.  This is a question for JB (Joseph Beeler).  You sound like you know what you're talking about so let me ask you this.  This company called and left a message threatening to have my wages garnished and get taken to court.  They spoke with my brother and they told him I owed $14,000 and if I didn't call back they would have a warrant out for my arrest.  I tried to call them but no one picks up as I am on the West Coast and they are on the East so when I can call, no one is there.  I recently received my credit report and I only have 2 "possible" adverse accounts.  One for being late for my car loan which was paid off in 2003 and the other for late payments on a credit card which was paid off in 2005 (the balance was only $500). Here is my question.  If I have no other adverse accounts on my credit-report can they still come after me for something which I have no idea what they're talking about?  Sorry for being long-winded but I'm trying to see if I need a lawyer.  Thanks.

grow up and pay your bills.   Stop trying to find ways out of paying your bills.  You were pretending to be a man when you signed for the contract and spent all of the money but when it came time to pay you went rate back to being a little BOY who is helpless.  I bet your mom pays your bills.  Poor mom, your probably one of those debtors who steals from his parents.  You should go rob peter to pay paul DEBTOR.  Some people are labeled as nice, mean, angry but you are labeled as a debtor for the rest of your life.  When you go to the bank to get a loan and they decline you they all say did you see that debtor trying to get a loan.  He knew when he left his trailor this morning that he wouldn't get approved but he still tried.  That is a true debtor.  JUST IMAGINE LIFE IF YOU PAID YOUR BILLS.  EVEN YOUR MOM WOULD RESPECT YOU MORE AND SAY MY SON HAS GROWN UP TO BE A REAL MAN NOT A REAL DEBTOR.

MLV

You need to try and contact them maybe early in the morning or even on a lunch break.  At least see what they are talking about.  Tell them you need something in writing so you know what they are talking about.  If they can't produce anything in writing then don't believe them.  If they are legit then they should be able to produce some type of an affidavit to prove that they either own the debt or are working for a client.  Usually if its not on credit report then its not valid but these types of offices that buy debts can remove the delinquent status on you credit report and replace it with either a judgement or if you paid it then a paid status.  Because these places own these debts they have full right to reporting on the credit reports.  See the thing that people don't understand is they have all right to take you to court if the debt is valid.  A lot of people just disreguard the paperwork and the calls but if they send a summons to appear in court and you can't prove its not valid or don't even show up then the judge will rule in their favor.  The fine print always states that anyone who buys this debt does have the right to take you to court for up to 10 x the balance.  Now I'm not saying a judge will grant them 10 x the balance but by law they have the right to go after you for that amount.  It also states that they can accrue interest on the account until you start making payments or settle the account out.  What I would do is get a hold of whoever called you and make them give you some paperwork( affidavit ) on the account before you do anything.  Just because you don't see the debt on your credit report now doesn't mean they can't place a judgement on it later.    
If you have any questions just ask and I usually try to check this at least once a day.

Joseph Beeler

if only you knew honey, if only you knew. Obviously, I got your goat, Michael "I am so tough" Taylor. Whoo hoo!

MLV
They also CANT threaten to have you arrested-this violates the fair debt collection act. I am telling you, be very careful with these people.

ya it looks like they pissed off the wrong people. play with fire lone enough and you'll get burned.

ya it looks like they pissed off the wrong people. play with fire long enough and you'll get burned.

The company is Moreno and Woods.

Here is their site.

http://morenoandwoods.com/

I was recently called bye miss Donna Quinn, in regards to a chase manhattan bank accont,in which fact i due admitt to oweing. i requested all settlement offers in writing and something stateing when i completed payment  that i would have a zero balance. i gave Miss Quinn my e-mail address and she sent me the paperwork i requested. I sent Miss Quinn my pay off and she did send back to me a paid letter. Most collection agencies are shady in every way, but as long as you paper work and its in black and white, it will stand up in a court of law, and as jb stated if they dont report when tou have the documentation in hand ,you could very well sue them. Miss Quinn may be the only professioanl employee there.

I was also contacted bye Miss Quinn back in january. I requested all the nessasary paper work in writing, once i recieved the paperwork , my mother then sent Moreno and Wodds a cashiers check overnite mail to pay off account with Providian. I recieved a paid in full letter one week later, as she agreed. I have since used the letter she sent me as proof to a different creditor the debt was in fact paid in full. I believe every collection agency has a horror story.

I HOPE THE DEBT WAS NO LONGER THEN 7 YEAR OLD OR YOU GOT SCREWED. THE LAW
STATES THAT A DEBT IS AT 6 YEARS THE DEBT GOES INTO DEFAULT, THE COLLECTOR
NO LONGER CAN SUE TO COLLECT. AND AFTER 7 YEARS, THE DEBT CAN NOT BE SHOWN
ON YOUR CREDIT REPORT. THEY TRIED TO PULL THIS CRAP ON ME. THE DEBT WAS
FOR SOMETHING I HAD FILED BANKRUPTCY ON OVER 10 YEARS AGO. YOU MAY WANT
TO LOOK UP THE NAME (KIM MULLEN) ZOMBIE DEBT ON THE WEB. PEOPLE DO NOT LET
THESE COLLECTOR SCARE YOU INTO PAYING UNTIL YOU FINE OUT THE AGE ON THE
DEBT THEY SAY YOU OWE.

Hello tweetie,  gee should i pay Moreno and Woods what they say we owe. a relative died not having bad debt or owing any credit card, even the credit card confirmed it, and credit report. Citibank said it was not a number issued by them. Citibank gave me the number to fraud division of FBI. They even contacted them to give all information. I suspect you work for that shop. I know you are giving false and misleading informaton. I hope they call me one more time. Its very easy to have the authorities tap or trace lines.The special agent i report my information has been monitoring this site .

I also spoke to a US Marshall and was informed that I can record the call. Please call one more time.

I'm sure that a special agent cares that you don't pay your bill and he makes mucho dollars sitting back and monitoring this site to make sure that all you debtors dont have to pay your bills.  If he does you should tip him or something because. I feel there are bigger and debtor things out there to worry about.  (get it debtor instead of better)  Not like paying your bills isn't a big thing.  It only drains the economy buthwo needs the economy.  All of us debtors have each other.

BIG MIKE WORKS FOR MORENO AND WOODS. DONT MIND HIM HE IS JUST SCARED
THAT NO ONE IS PUTTING UP WITH THEIR CRAP.

blah blah blah ....just another way to get out of paying your bills......bottom line is that if someone owed you money would you let it go just because they took a long time to pay.....i dont think so....but i guess there are some small minded people that will look at this site and maybe think that they have a way out...but thank god for the thousands of honest people in the world that actually take responsibility for there actions and pay what they owe when they owe it...and those people are the ones that actually can go to sleep at night knowing that they have at least somewhat of self respect than to get mad at the people that helped them out in the first place by giving them credit which if most of you were met face to face and didnt lie on credit applications would never get credit....enough of that ...bottom line is if you have any common decency and self respect then you will pay your bills if you know that you owe them no matter when what or how it became delinquent...