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Shane Healy has contacted everyone in my family trying to collect a debt that I have never aquired. I filed bankruptcy (chapter 7) in 2001 and was cleared of all debt in the same year. I have recently gotten married, had a child AND have a credit score of 725.

Shane has called my mother a b#tch for not helping pay this debt. I would love to have the opportunity to meet this gentleman and his co-workers to see how they interact face to face with people. They keep saying they are going to press charges, etc.... I'm not afraid!!!! In fact, I would welcome the opportunity to see them in court.... PLEASE....

Mr. Shane, when you decide to call me back - DON'T HANG UP!!!!!! Lets get some things straight..... Like am I paying off a DEBT THAT YOU HAVE? Do you honestly think in todays world that I am going to give you $1600 OVER THE PHONE?

Have a great day!
Josh
North Carolina

Moreno and Woods is Marshall and Zoelinski (sp?).  The worst of the worst debt collectors.  Will say anything to get you to pay, and sound convincing.  LIES, LIES, LIES, LIES, LIES.  Makes me sad to think that they do actually get people to pay.  DO NOT GIVE THEM ANY INFORMATION OR MONEY.

SOME HOW THEY GOT MY ACCOUNT INFORMATION AND TOOK 2400. OUT OF MY ACC

THEY GOT MY ACCOUNT INFORMATION WHAT DO I DO? TOOK MONEY FROM MY ACCOUNT

Did You give them your account information?    If not how else did they get it?

I'm sorry to hear they went as far as to take money from you that you did not autorize them to take. Call your bank and dispute the transaction and get and attorney!!!!!

These people need to be stopped.

Mt,

Get a life!!!!!

Thanks.....

people that don't pay there bills need to be stopped.  This is why we topped the highest amount of debt last year.  I don't agree with how these people do there job but they wouldn't have your info to call you if you paid your bill in the first place.

let me guess you probably work for moreno and woods. would this be
mr. taylor?

O k bill payer, what do you think about the scumbags from moreno and woods that tried to scam me from a ficticious credit card number after the death of a relative. I am going to harass them and i will not stop. I hope they take me to court. Then after they get the media showing how much of a fraud they are , more people will know them. I personally can do more damage to their scam than the fbi or attorney general. They keep calling , but get nowhere.

OH MY GOSH!!!  I'm so glad I found this site.  I couldn't make out the name of these people when they left me voice messages and I tried to google what I thought was the name and nothing came up.

Your post made a lot of sense so I wanted to run this by you because these people are absolutely INSANE!!!  I don't even owe a debt and these people are harrassing and threatening me on a daily basis.  I've recently pulled my credit report and I don't see them on there but I do see another collection agency on there that shouldn't be so I don't know if they got on there under another name or what.  I'm in the process of trying to figure all that out now.  

I cannot believe that people go through such lengths to scam people.  It's one thing if you actually owe the debt; and still there's an appropriate way to talk to people when trying to collect that debt, but it's something all together different when you tell them that you don't owe the debt and can provide proof that you don't owe the debt.  Yet, they cannot provide any proof of you being responsible for the debt.  

So now that I finally have an address, I was going to send a Debt Collection Dispute Letter that basically disputes the debt and requests they provide me with specific documentation that would tie me to this debt; while siting the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

But I don't know if I should just change my number and leave it alone, after reading all of the posts on this site.  I've never received any correspondence from them so I don't even know if they have my home address or not.  I assume they do since they have my phone number and may have accessed my credit report.  I've been waiting for something in the mail from them, so I could send out the Dispute Letter.  

I only spoke to one guy VERY BRIEFLY.  I told him I didn't owe the debt and he asked me why I felt I didn't owe it and I didn't even go into it; I just hung up the phone because I knew where the conversation was going.  So, I don't even answer the calls.  I let it go to voicemail.  Sometimes they leave a message.  Sometimes they don't.

I just wanted a second opinion of what you think I should do at this point.  

Thanks.

So, you acknowledged that you owed the debt?  If so, it's my understanding that they can pursue legal action against you if they purchased this debt from the original creditor.  Problem is, they purchased it for pennies on the dollar; which is why they were willing to settle with you for the original balance.  Had they sent you any correspondence prior to that judgement?  Did you go to court?

I hope so.  That would be something worth seeing for sure!  These people are NUTS!

Then how are they able to get court judgements against people?

I really don't think it necessary to bring politics and religion into this.  Can we not communicate like civil human beings in this day and age?  This site was intended for consumers to help each other when others try and take advantage.

With all due respect bd, some people are victims of identity theft and have collection agencies harrass them for years.  For those that actually owe a debt, you have no idea of what financial hardship these people may have gone through during that time and are still not on their feet.  So, instead of passing judgement, first consider life's hardships and how that may effect some of us.  911 changed many lives financially, emotionally, physically and with the housing market, people are losing their homes.  So do you think their first priority is paying off a 10 year old debt?

I would just suggest that you consider other unforeseen and unpreventable circumstances that may have been a factor in someone not paying a debt, before you pass judgement.

Claim to be a law firm collecting a debt that I have no knowledge of and don't owe.  They have threatened to submit a court summons on me; garnish my wages; and close any open accounts that I have.  They call almost everyday.

WHAT!!!  Where you told this was going to happen?  Had you gone to court about this prior to this happening?

I keep hearing these people are frauds but people are getting served with papers to appear in court, so all this is crazy!!!

I would send them a Debt Collection Dispute Letter.  Within that letter, they would need to provide you with appropriate proof that this is your debt.  i.e. signed contract.  They will have 30 days from receipt of this letter, to provide you with the documentation.  Within that time, they are not allowed to contact you via phone or mail.

Make sure the documents are authentic and that way you'll know if you actually owe the debt, since you don't remember.  If they don't provide the information within the 30 days, they can't pursue trying to collect this debt.

The only way they can take money from your account without a court order is if YOU give them the information (NEVER make a payment over the phone!  Never send in a check.  The only thing you should ever send these freaks is a letter stating that unless and until they PROVE the debt they had better not contact you except by mail and ONLY with proof of the debt.  Send it certified, return receipt.  ANY CONTACT after that is unlawful.  Record their calls.  Take them to court and sue them.

They are trolling this forum and trying to make people believe that M & Z can actually sue you...  [***]!  They're posting like they are 'victims' to undermine the information that people here have given to you.

Ignore anything that is said in this forum that makes you think M & Z can do a damn thing.  They are scammers who buy accounts that are past the statute of limitations for collection and reporting on your credit report.  They ILLEGALLY reage the accounts by reporting a mysterious payment that they can't prove - then they threaten and harrass people until they get some money.  What they are doing is ILLEGAL.  They can buy all the debts they want BUT they can't alter documents and they can't make you pay if the debt is over 6 years old (5 in some states).