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Why are you taking this so personal. Good gracious, you act as if they owe YOU personally. How do YOU sleep at night. Must be hard with all of the anger you have. I feel sorry for your family-having to deal with such an angry person. I know my family and I sleep GREAT!

I got a call from these people today...  The same number, Mr. Reynolds, etc..  Another 'law firm' called me last week regarding the same matter.  A Providian card that was taken out in 99, used three months, never paid on and the account was closed in early 2000.  This was NOT my card, the matter was investigated and determined to be fraud back in 2006.  Fast forward to April of this year:  I get a call from Marshall & Zilokowski, the man calls me a drunk, a deadbeat and tells me the Sheriff is on his way to my house to haul me off to jail...  It was almost funny it was so weird!  I did some research and find out that M & Z PURCHASED this account and by some miracle some good samaratin had made a payment on it in my name back in 2003.  The miracle is that the sudden appearance of this 'payment' brings the account back into the statute of limitations in Michigan for being able to collect on it.  (6 years)  Nobody at M & Z can tell me how much the payment was, who made it and how this miracle payment was made (check, credit card, money order...) So I filed a complaint against them with the Better Business Bureau, the FTC and the State of Michigan.  It did not suprise me that they did not respond.  But they went away..

They went away until last week, now a lawsuit is being filed against me (they don't even have my name correct as they are using a name I have not legally used in over 14 years) and they are trying to tell me that I MUST PROVE the debt is not mine.  Sorry guys, YOU have to prove the debt!  Re-aging accounts is illegal, harrassment is illegal, reporting inaccurate or fraudulent information to the credit bureaus is illegal.

I'm filing a case against them on Friday.  The state of Michigan allows for $500 PER violation, PER incident.  The last time I had one of these leeches try this crap I filed against them.  They settled out of court and I got my court fees reimbursed, a little money for my trouble and the promise (or they will pay again) that they will NEVER bother me again.  

Most judges HATE these types of predators.  ALWAYS record your phonecalls, NEVER scream, shout, swear at them.  (If they call you names, threaten you - even with a lawsuit - that is a violation of the FCRA.) Know the statute of limitations in your state.  Most states is either 5 or 6 years.  The statute of limitations BEGINS the first day of the delinquency. (Ie.  the bill is due 1/1/02, the statute of limitations for collecting the debt ends 1/1/08 UNLESS a payment is made--then it starts all over.)  They can only report a delinquent debt, charge-off, write off on your credit report for 7 years begining with the day it went delinquent.  They have to prove the debt is yours, they have to prove the date of delinquency is correct and they must provide you with proof within 30 days of the first contact with you if you request it.  (You should ALWAYS do this via certified mail w/return receipt.  At that time tell them NOT to contact you except by mail to verify/validate the debt.  A paper that says you owe XXXX amount of money is NOT validation!  They have to provide a contract with your signature and ANY account information including statements.   If they continue to contact you--they are in violation and you can sue them.  

I'll check back on this page - if anyone needs more information I'll be happy to point you in the right direction and help you out as much as possible.  I've been through this stuff and I hate the way these people are...and you can handle it yourself for free!  (Except the cost of sending certified letters and if you file a suit against them, but when you go to court they'll have to pay you back for all those costs anyway plus the judges are pretty cool about making them pay for the priviledge of treating you like crap!  ;)  Being called a drunk is well worth $500 to me! )

the last time i checked it was the FDCPA know what u r talkin about maybe you should post proof that you actually won a lawsuit

You just dont get it BIG MIKE. There was never any  debt. Period. Shame on you people at moreno and woods. You picked on the wrong person this time. Why do you try scamming people for a living. By the way what was going on in houston that you got such a bad write up about? Dont be doing anything to violate your parole or probation status.

I sued for the reporting on my credit report.  Fair Credit Reporting Act violations.  I never stated I won either, it was settled out of court. I took the terms of the settlement to court and had the case Dissmissed WITHOUT Prejudice, that way if the terms were not complied with I could go back to the court and reinitiate the suit.  

Collection agencies are not above the law, they have no right to harrass, belittle or threaten people.  If they are employing people who do these things they must be held accountable.  

I have always been extremely responsible regarding my debts, as everyone should be, but I do understand that there are people who fall on hard times and cannot pay a bill when the choice is between rent/mortgage and food or a credit card.  (I have NO credit cards and I have had only one department store card which I paid off when I quit working to stay home and raise my kids.)  Feeding your family takes precedence.  Normally, people are willing to make payment arrangements and either pay the debt off totally or make a settlement agreement for a lesser amount with the agreement being that the amount not paid is NOT charged off (no 1099-COD is issued, therefore the person does not have to claim the balance as a capital gain on their income tax) and that the derogatory on their credit report is removed - NOT updated as Paid After Collection, Settled, Paid, etc...  If the credit report is just updated with this information it will stay on your credit report for another 7 years.   However, if the debt is past the statute of limitations and within a year of dropping off a credit report, it's really unwise to pay it unless you need to for a mortgage, loan, job, whatever may require a good credit score.

Collection agencies that purchase these past the SOL accounts and harrass or threaten people into paying them are nothing more than predators.  They should be 'called out' for their collection practices and made to pay when they violate the laws.  Until they realize that it will cost them more in fines, settlements and court awards for doing this to people, they will continue to act inappropriately.   You may not agree, but I know my rights and I am not afraid to exercise them.

YA I SEEN WHERE MARSHALL AND ZILOKOWSKI GOT SUED FOR $93,000 AND LOST AND
  HAD TO PAY OUT THE $93,000. FOR DOING THE SAME TACTICS LAST YEAR.

Oh--and BTW;  for those of you who have had wages garnisheed by one of these leeches, go to the court that issued the order and request a motion to stop garnishment.  It's a simple form that you can fill out right there, they will file it and give you a copy to take to your employer.  They will stop taking your money and set a court date. If there is a Default Judgement (you never showed up for court, not served or were told by the collection agency that you need not show up) you can request that the judgement be set aside.  Most judges know what these collection agencies do and say to people.  Many of them tell people that they will ask that the case be dismissed and that you need not even show up at court, in reality they don't want you there so they can get an automatic default judgement.  If only the collection agency or their rep appears there is nothing the judge can do but grant the judgement.  NEVER NEVER EVER trust a collection agancy to do the right thing.  If you get served - answer the complaint and show up at court!

I was checking out my TrueCredit the day after I got the initial call from the 'attorney' who is now handling this account.  I noticed that M & Z had pulled a copy of my report the same day!  I believe that M & Z are using other alias'.  I know they have numerous complaints against them, they may have had their licence revoked and are now trying to slide under the radar by using other BDA's.  Just a thought...

THE PERSON USEING NICKNAME "JR" "MT" "LOL" "BIG MIKE" ARE ONE IN THE SAME
THEY WORK FOR MORENO AND WOODS. GO TO PAGE ONE SOMEONE FOUND MORENO AND WOODS HOME PAGE. LOOK FOR ADVENTNOMADIC- MAR 24TH 2008.

I looked up the site.  Waaaaaay professional.  Apparently they aren't fleecing people well enough.  They can't afford a spell checker.  What a bunch of 'winners'....  LOL!

I just found out that what the morons at moreno and woods did to me- only saying that we owed money from a debt we never occurred-  did nothing against the law yet. I was told what i can do which is a little, and i found out what i cant do. Destroying their image and telling about the lies and deceit is not against the law. I want them to take me to court so i can tell the world about their practices. I have nothing to worry since we never had a debt. We can spread the rumors and lies just like they can. Let the games begin.

I have been receiving calls froma  Mrs Mack at Moreno and Woods. She put an "attorney" on the phone and he told me I committed fraud and I was in violation of ######  talking so fast I could not understand him.  Said it was a credit card that I opened in 1993 and last transaction was 2003, could not state what type of transaction it was so he told me it was still within the statute of limitations.  He wanted my checking account info over the phone for 1200 and 235 a month.  Told him I wanted confirmation it was mine, he got very angry and told me he would bring all of my file to court in Los Angeles where I live and get a judgement on me and I would be sorry and hung up.  They have continued to call Mrs. Mack with docket numbers and I need to call.  She speaks to my husband.  I called back tonite and talked to Donna who sounded nice.  She said she was going to court tomorrow and would see if they could unseal my file and tell me where cc originated.  Said it was a First Merit and she could get a copy of my original application.  She told me they did not purchse the debt, they were representing the cc card co and any money they collected they split with the cc card co.  I had called this company previously in 2003 after Emily from a different collection co called and threatened to take me to jail and called me a liar, a thief etc etc, she told me I was going to jail if I did not make a payment.  I did give her my checking account info and then called her back about 15 minutes later after speaking with an attorney and told her I was not authorizing the payment until she sent me proof.  She cussed me out and hung up on me.  I have head nothing until now.  I think the $230 transaction they say shows up is from then, but the payment was never processed.  Donna had to go to stop a court proceeding for the am, (?) and said she would call me tomorrow at 11 when she was done filing cases against people.  What should I do.

Dont pay a dime .They are LYING to you. They are powerless to do anything. If you owe anything ,work on  paying the credit company, NOT moreno and woods. They are not lawyers. Never give out your account info to people you dont do business with. Dont pay a dime.

Listen to Race...

Do NOT give them ANY banking numbers - PERIOD!  If they have initiated a lawsuit against you it would be in the small claims court and you will be/should have been served.  You can call the court yourself and ask them if there is a suit pending.

The miraculous payment in 2003 that brings your account into the SOL... I'm begining to think this is part of their scam.  THEY have to PROVE the debt is in fact YOURS.  Go to their website and get their address.  Send them a letter demanding that they verify that this credit card is yours and tell them to cease and desist any contact via telephone, fax, computer, contact to friends relatives, job etc.  The only contact that they may make with you shall be documented proof of this debt.  DO NOT sign it, they can alter documents and include your signature on them.  This is the type of business that would probably do just that!  Send it to them via certified mail with a return receipt.  (This will only cost you a few bucks.)  You will get back a green card that shows that someone from their agency signed for the letter.  After that if they continue to harrass you they are in violation of the Fair Debt Collection Practices Act.  Document or record your calls from them (I do.) Get a copy of your credit report to see if they are reporting the debt.  If they are, they must validate the debt to the credit bureau.  You have to ask TransUnion, Equifax and Experian to investigate the credit line.  Tell them it is NOT your account.  If they are reporting false information on your credit report (all three reports must have the exact same information on them including the amount owed, etc.) they are in violation of the Fair Credit Reporting Act.  These are all offenses that they can be fined for.  I don't know what the fines per violation, per incident are in Cali.  but they run $500 in District court and 1K in federal court here.  3 violations = $1500.  

Do NOT let these people intimidate you!

Looks like moreno and woods ran away.  Poor misinformed scam artists.  I almost feel sorry for them.  Must suck to be that stupid.

You won't believe this, Donna called me on Friday am stating it would be the last time we talked.  Claims she pulled my original paperwork and charge was opened in 1989 and paid off in 2001!!!!!!!!!!!!!!!!!!!!  Blaming the incorrect information on prior collector.  Said if I run my credit report, it will be off now.  The thing is it NEVER showed up on my credit report, Bank of America ran it for me Thursday!!!!  I am in a state of shock!!!!!!!!!!!!!!!!!  Thank you for your reply!!

yes,my wife and i have also been harrased by these so called people about an old c.c. debt first wanting to make to payments as a settlement that were to large for us to pay,then after that the threats of being sued in court for the amount owed, plus intrst., and court fees.we have been looking into other options like bankrupcey and debt consldtn.,but since have been threatened with being sued that the matter is being pursued and that my wife has a court date already,even though was never served prsonaly or,posted on our place of residence,after calling the county courts office they showed no record of a court date and told me to contact the collector (moreno & woods) to find out wich court they filed with and the case number for that court.when i called and spoke to mr.tinsdale he stated that he could not speak to me over the phone anymore and only in court,i asked him how do i know wich court to go to if you do not tell me wich one you filed at and he got upset talking legal terms i payed no attention to,since all i want to know is where to show up for court then he stated that a constable would serve my wife and could then obtain the court info. so the last call to her before this saying that a court date was already set was obviousley a lie to get her to make payment.she still has not been served,and we are not trying to dodge the money we owe just cannot affored to pay i feel this extensive harrasment comes from the debt if not already is very close to reaching sol,if we can not come up with the settlement amount before being served wich we probabley can not we are ready to go to court and are not scared about it just see it as a major inconvienance and set back,this is just to inform people the tactics they are willing to take to collect and not to believe everything they say, i feel we may be served to appear in court and we are ready to take that step if we need to.

YAH FOR DEDE!!!!  

I noticed that the people from M & W have quit posting here.  They probably know that these site can be tie back to a computer if they were ever investigated....  What they said probably wouldn't help them much in a court of law!

If you ever need help with your dredit reports of in dealing with people from collection agancies-- go to the CREDIT INFO CENTER and check out the forums--they are great!  I have learned so much from that place (and it's free--free is a GREAT word!)

it looks like you learned everything but how to spell  dumb###

What a bunch of CR@POLA... Treat people fairly is a lie , just the way they tried to SCAM me. Looks like from this web site they are running something else like an escort service. Somebody had posted here that they were putting papers on peoples cars in Houston about escort services in New York City. Still waiting on the sheriff to come and pick me up for a debt we never had. They look in a newspaper st the death section. They look for the survivors and call them saying the person that died had a bad debt they are collecting and want you to pay it. Problem is the card was never issued and number was not even close issued by that bank. FRAUD  FRAUD FRAUD ..IF you owe,  Pay the credit companies not these hoes.