888-447-0178

yea its a scam!!!

Big scam. posing as a law firm-SCAM SCAM SCAM

Caller claimed to be Louis Torres from some law firm. He called saying that they were filing a lawsuit against me.

Well, at the time the call came in, I wasn't at home. But, my sister was and she picked up. According to her, this guy first asked if there was an Ernest living there. Of course, my sister said no. Then he corrected himself and ask if I lived there. This caller would not leave details as of why they "were" filing a lawsuit against me with my sister (who he thought was my daughter. unfortunately for him, i don't have any kids), but left this contact number and name.

Upon hearing this, I was like 'who would file a lawsuit against me?' I have never done anything worthy of a lawsuit nor do I have unpaid debts/loans. Basically, this guy has nothing. Looking at the number, i thought what law firm has a "888" number? I went online searched the number up and I found this page.

So, yeah... this is definitely a scam. Don't believe a word the caller says. If anyone planned on filing a lawsuit, they wouldn't call first to tell you. Plus, they'd serve you papers. Don't entertain these jerks.

Do not fall for this scam, they called my mother and I today, and had us so upset and almost got my mothers credit card info.  This is a terrible scam and the people behind it should be ashamed of themselves.  Hang up immediately if they call you.

got a call from this number today when i called back a man answered the phone when i asked for Mr O'Riley was told to hold on came back and said that's my assistant can i help you. when i said who i was was told to wait while they got my file. then a lady comes on claiming to be my appointed legal mediator, said i was being sued for a debt back from 2002 that was unpaid. i KNOW IT WAS PAID BECAUSE I HAD it on an allotment from my army pay. the loan was for 14 months i then deployed to Iraq from 2003 to 2004 at which time the loan had been paid off. when i asked for proof of it to be sent to me i was accused of trying to not pay on a debt. then was told it could all go away if i had some one to act a a guarantee r of the repay agreement. when the called the two people i gave the they asked for credit card numbers and bank accounts lied to them then they lied to me by saying something different that what the told me they said. this is such a scam. i guess they think we are all stupid and wont ask questions.

Got a call just now, came up private number, but was given this number as a callback.  Mr. O'Riley, who jr12 mentions, was who I spoke to.  He asked for my husband, who was not home yet, then asked if I was a relative, and I said I was not.  So all I got was name, this number and a case number.  As soon as I got the number I came to this site and saw all this.  That call is not going to be returned.

Some lady called me stated she was an Atty found out there's not a Atty office in that area with that name there big scamers they should go to jail the Atty S Gen ofice told me they have numerous problems with this scam comp don't give them ur personal info,,,

received a call from 888-447-0178 claiming to be an attorney's office regarding a bad debt.  the caller a Marshall Thomas began insulting me, threatenting to contact my employer and claim what a terrible employee they have, and to send faxes to my employer stating "she does not pay her bills"  first the only fax avaialble at work is not private and this guy was a complete reject.  I will no doubt file harrassment on him if he takes this route.

just received a call from that number my grandfather answered te phone they had told him it was a call claiming i cashed some bad checks and i know darn well i never done that so i called the number back and they said it was for a payday loan from last year that i had already paid off. they claimed im going to be served with an warrant and taken to jail.

My sister in law called me and said mitchell shields call her about a court case for me and Ineeded to call right away.  Well I called then a lady got on trying to threaten me with her license & ruining my future she said she knew where I lived and I could afford the amount and she asked about my work I said that it wasn't my work info & she asked for it I tol her no and she got pissy I told her never call again and hung up. SCAM

Got a call from this number claiming I needed to call right away and
gave a docket # for me to reference when I return the call.
His name was Joseph Ramirez. These idiots can kiss my a**!

The [***] is trying to get my son with phoney bad check crap. Joseph Ramirez

Got a call from supposedly Neiman Associates, Joseph Rameriz stating I had hot checks from not paying off a payday loan dn that I was going to be prosecuted and picked up and taken to jail.  The loan was paidin full years ago.  When I told them I'd consulted with an attorney, they went postal.
Threats and harrassment started at that time.  This is a scam.

This happened today to my daughter...these people are ruthless...

I recieved a call from someone today who left a message and claimed to be Daniel DiAngelo, he said that he recieved some information in his office and that I was about to be served for check fraud.  He said that the company in question was willing to settle and I needed to call them, and left a number and a "case number".  Of course, paniced, I called the number.  The person who answered the phone sounded EXACTLY like the person who left the message, I asked if it was him and he said "No this is Mr. Thomas".  He immediately put me on hold and then another guy answered (who's name I didn't get) and said that I was going to be served either today or tomorrow for check fraud and that Cashnet USA was willing to settle before it went that far.  I of course wanted to settle (who wants to go to court?), they claimed that letters had be sent to me (I have never recieved one) and that they wanted to settle over $2000 of debt for $1500.  I said ok and was transfered to a Maureen Cook, who claimed to be a mediator, who was abusive and said that if I would let her talk (she kept interrupting me and wouldn't let me talk, and was just short of telling me to shut up), and said they couldn't take a check, I asked if there was somewhere I could send a money order or cashiers check and they said no.  They then said I could put it on a credit card, I said I could pay them by the end of the month and they wanted me to post date a charge on my card (something as a former victim of identity theft, will NEVER do), particularly when it comes to my bank account.  I was already suspicous of these guys.  I've delt with lawyers and being served in other matters and I have NEVER had an interaction like this.  I have never been warned (they like the element of surprise).  They also tried to get me to borrow money from my family or friends, and when I said I had no one I could borrow that kind of money from they said it was borrowing money, they would never ask me to do that, they could just put it on their card and they wouldn't see the charge until next month and by then I would have the money.  If someone else is giving me the money and I'm paying it back how is that not borrowing?!?!  I know that in the state of Washington it is illegal for a collection agency (which I am convinced this is) to misrepresent themselves and lie to you as these guys have.  It was a little too weird, and I have filed a complaint with the attorney generals office.  THe whole interaction was WRONG.  I did not give them any of my current bank account information, and something tells me I'm not going to get served today or tomorrow.

My mother called me today and told me that a Mr. O'Riley called yesterday from this number.  She said he told her that a law suit was getting filed against me and gave her a bunch of other information.  
She told him that I am not living there right now, and I am in school full time. He said a snide remark and something like "well, thats not good".
She called me in a panic, and I got quite upset myself. I decided to google the number first, because I didn't know what I was dealing with.  I found this site, and now Im really hesitating on calling them.  
I doubt that I am going to get served, but what has happend to others on here if they ignore the call.  Any info?

this is a pirate debt collection agency formerly known as Morgan Stone and ASSociates.  Owner is a dead beat named Stephanie Lowenger, who is known to the industry as a liar, cheater, and general [***] artist . she overinflates junk debt portfolios, and has broken every fdcpa law there is.  local law enforcement is already investigating her and her companies. she is about to open another one soon. you should report her to the new york state attorney general.  i did, and they can shut her down like they have with all the other violators.   do not pay till you receive proof of debt, she cant provide it cuz she steals portfolios and has no rights of ownership.  she;'s about to be busted i hear....ha ha looser you deserve it

My Dads next door neighbor received a call from these [***] clowns at 10 pm saying they were going to throw me in jail if i did not pay 1700 by 5 pm today. my dads neighbor called my dad who called me. I'm going to have a field day with these people today. they are in violation of both state and federal collector statutes. 6 federal for starters. 10k per fed violation.

FROM FDCPA

Can a debt collector contact anyone else about my debt?

If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you.

If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work.

Collectors usually are prohibited from contacting third parties more than once.

Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.



False statements. Debt collectors may not lie when they are trying to collect a debt.

For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;





File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0




Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Have Them Calling Me now ...so glad i did a little bit of research.. I like how they change there names so much that they forget who they are .... First time they called I had some girl named Rita I called back and was like may I speak with Rita... and there like RITA??  HUH  and they gave me some girl name Linda who sound exactly like RITA  ...i even asked her if i spoke with her and she paused for a few min and was like ahhhh no i dont think so....  Im hoping they call me one more time cause there gonna get a lil piece of my mind ...the feds really need to catch these crooks ..so sad with the economy being the way it is and you got [***] like this trying to steal from you.... they wanna take me to COURT ill be glad to be sitting next to them there ....  cause im sure the feds would love to see them more then they would love to see me!!!  the number they use as well is 716-447-0007 ... i just got done filing a complaint against them and sending a letter to there company  at

Morgan, Stone and Assoc

1005 Veterans Memorial BLVD

Kenner, LA 70062