8884470178

I just got a call from Neiman, Rona & Associates (Rhonda Miller) who then transferred me to Tony Brez (settlement associate).  Call came from  716-748-8798  and they gave me  877-219-7774  to phone back.

Called me at work stating I owe amost $2000 for a CashnetUSA loan from 2006.  After going through all the notes here, I can see they have used all the same tricks to get me to pay TODAY before Litigation begins next week. Said the file has been on their desk for the last 3 weeks while they are searching for my bank accounts to freeze the assets in them.  That I could take care of it in 1 payment of $1400 or 2 payments of $1200 over the next 2 months.  Told me to contact friends or relatives who could give a credit card or bank account to pay this off for me.  Questioned me regarding why I haven't paid this off in the last 3 years or contacted the lender.  Needless to say I couldn't remember why I took out a loan like this or what the circumstances were.  

I told them maybe I should file Bankruptcy and include this if I really owed it.  Of course, they told me this was a cash loan and would not be allowed to be included in the BK, that I would still have to pay it with all the fees, etc.  But maybe they could help me out to see if they can settle for even less of an amount to help me out!  Ha!

They are giving me until next Monday at noon to make contact to declare my intentions and if I can get someone to pay for this for me!  Told them I have no relatives or friends who are in a position to pay this kind of money.  

Now I'm worried because they do have my work number and if they're really the scumbags and diry like these posts say - that they will contact my boss or HR or someone and divuldge infromation that is personal and confidential.  

HAS ANYONE RECEIVED ANY ADDITIONAL PHONE CALLS FROM THEM SINCE YOUR POST AND IF SO, WHAT WAS THE CONTENT????

Thanks much

Thanks for the post... The new company is now called Neiman, Rona and Associates.  Rhonda Miller makes the calls and transfers you to a "Settlement Associate" named Tony Brez.  When I googled him, there are job ads that come up for "Debit Collectors" with "one of the best bonus structures in Buffalo for aggressive collectors".  I was told my account was sent to a collection agency and then sent to Neiman for litigation and to find my bank assets.  It seems they are skirting around what they really are and leading people to believe they are a law office.

I have been dealing with these people for about a month now I have still not been served but these people are very harrassing and they won't let up. They make me a little nervous but I am fighting them until they can prove I owe this debt wich they have not done. Has anyone talked to a Mike Fitzgerald from Neiman Rona & Assoc?

So I got a call back in January from a guy name Dan DiAngelo telling me that the file had been placed on his desk that day for check fraud, and that I needed to contact another company and then left the number and case file number. I called because I was afraid of what this was. I called Neiman, Rona and Associates and I am not sure who I spoke with, but I am almost sure its the same guy that did the recording. Once on the phone the guy seemed very shocked that I hadn't been served yet for court. We talked for a little while and then he told me that an Attorney would be calling me back in 5 minutes. After an hour I returned the call and he told me that she was in a meeting and she would be done in about 15 minutes. I guess it was another hour before I got a call back. Her name is Linda Rain and she was very rude. She wouldn't let me get a word in. She just kept going on and on about the money I owed. To my surprise (not really) she told me a totally different amount then the guy at first did. The only real difference here, is I did owe CashnetUSA. I completely forgot to pay it. I contacted Cashnet before talking to Linda. Cashnet told me that I owed $218.54. Neiman Rona and Associates said that I owed $1318.54 one time and then $2845. Once I told Linda that I spoke with Cashnet, she got even more talkitive. I also asked her how long my file had been in that office and since I received the first call in January I wanted to see what she said....She told me that today was day 7! What a lying [***]. They aren't getting any money from me...

Dear pissed off jew,

Most people post on these sites because they are looking for any reason to get out of paying on there well over do credit obligations. I personally DO NOT use intimidating tactics to collect. But imagine all the people they talk to in a day who are professional credit scammers??? Have you ever thought of that??? These people are at least employed unlike most people who sit on your couches collecting welfare and getting payday loans. HA!!! A Payday loan for people who don't work. The Attorney General is cracking down,but they also waist alot of time on legit companies with good reputations because of sites like this. In no means do I think that lying and cheating is a way to collect a debt. But answer your phones,attempt to be human and let these people who are only trying to support themselves as well know what your situation is....MAybe you will be surprised that most will work for you.....And FYI..................Many collection agencies do in fact own the right and obligations to the debt they are referencing and.........do sue consumers!!!!! Just a thought.................. and to the person who responded before me...WOW!!! You have alot of time on your hands...Maybe if you waisted more time on getting a real job and paying your credit obligations then finding ways to inform people on how to skate from paying their bills our economy would pick up!!!! Just saying!!!

Actually, you really are 'just saying' nothing new. The same old clap-trap that all scam collectors spew when their scam has been recognized.

Here is a thought...validate the debt properly, as per the FDCPA (in writing via the US mail) then sue the debtor. Oh, I forgot..the old paper you are working from does not have the information to validate the debt properly and/or the debt in question is beyond the statute of limitations (you can no longer take legal actions)

Well ...too bad ...so sad ...go pound sand...

Also recevied a phone call from Neimen,Rona & Associates...I requested documents and they sent me a word form through e-mail...its a BIG SCAM...

Kimberly Pers ,Compliance Director of Internal Operation
1-877-218-6991 Ext 201

Dont provide personal information....

There's also a Tanya Carter making these calls from Neiman Rona & Assoc. using an 877 number (877-218-6991) x230.  She claimed there was a lawsuit and provided a # then said they were going to put in a plea of "No contest" on my behalf if I did not return the call.  I have it on my answering machine and will probably call or email the Attorney General as well.

Laughing at you...... You spent a long time avoiding paying your bills. Just get a job, make your monthly payments loser debtor..... If in fact you are as inteligent as you claim to be, you should put that much energy into fixing your credit then looking for ways to avoid it. So while you are answering this on the lap top you did NOT pay for, look up a job and start being a responcible adult and learn to pay a monthly payment.... And I will be pounding sand in the Bahamas with my HUGE bonus check ... See I get those because peoplke like you keep me employed.... Tootles loser

We have recieved 2 phone calls from Neiman Rona and Associates within the past month.

The first call was from a woman named Debbie who stated that my wife had had 3 outstanding fraud cases out of navarro county, tx for some hospital bills!  I have never heard of Fraudulent Hospital Bills!!!!!!  Anyway she provided a phone number that we attempted to call several times but the phone stated that it does not exist.  We finally called the number from which she originally called and spoke with someone else who stated that there was no one by the name of Debbie working there.  My wife was then told that she in fact did have 3 cases of fraud out of Navarro County.  The woman stated that this could all be settled with a payment from a credit card.  My wife stated that she would call them back when she got the money together.

That was a month ago and we havent heard from them until today.  Today she got 2 more calls from an unknown number.  The person Debbie Davis left a message to have my wife call back.  When my wife called back she spoke directly with Ms Davis.  Ms Davis stated that my wife now had an outstanding payday loan from Cashnet USA.  When my wife asked for a Letter of Debit Verification Ms Davis told her that she could only e-mail her one and that they dont mail them as the payday loan was an online loan.  My wife was then transferred to the Floor Manager Mr Jay Reed.  Mr Reed proceeded to tell her that it was considered fraud because it was the same thing as writing a hot check.  My wife then told Mr Reed that she has a history of being cautious with these kinds of phone calls as her husband (thats me) is a police officer.  Mr Reed then stumbled and stammered.  My wife then stated that she was confused and that Mr Reed was more than welcome to speak with me and explain it to me.

I then spoke with Mr Reed and asked him what the deal with the fraud was and he stated that no one had ever mentioned anything about fraud.  I then also confronted him with the first phone call that we had received and he stated that he assured me that he did have a Debbie on staff.  I then told him that Debbie had also stated that this was a fraud case and he stated that he knew nothing about it and that he would review the file and the call recording and reprimand her if she lied at all.  I then asked for a letter of debit verification from Mr Reed and he stated that he would be happy to email a copy and when i stated that i needed an actual mailed copy he again stammered and skirted around the issue.  I then adivsed him that i would be investigating them and the phone calls and would be filing charges against him and his company.  Mr Reed then promplty stated that they were a real company and that it was a real debt.

I then googled the phone number and the comany and all i found were these postings and no website.  I then found a post with the website for Neiman Rona and Associates which was actually for Morgan Stone and Associates.  I also found a listing on the BBB website in New York stating that these companies had an F rating and is run by a woman who is very well known from running scams like these and everytime she gets caught she just changes the business name.

These people are violating both federal and state laws.    A "Detective Johnson" called me yesterday at 9pm and left a voice mail (felony : impersonating an officer) Then a Jaquie Onello called my father saying that I was being charged with check fraud.   My father is an attorney and called her on this as a collection company does not have any legal authority over criminal matters.   I called back today and left a message demanding a written verification of the debt mailed to me.   She called back and told me she was not required to do so.  I did some research  and found their website http://www.neimenronaassociates.com/index.html with the name of the old company in the browser header (Morgan Stone) I crossed referenced it's claim with the better business bureau of NY....no record ( felony: fraud).  I filed complaints with attorney generals from NY (where the company is located in buffalo) and Connecticut (where I am located) and with the FTC.   I never took out a payday loan and I am no deadbeat....I am an officer with the largest financial services company in the world.

Now Mr. Torres... You know you have outstading debt that is not paid. Yes that is a collection agency calling you..... And yes you owe money to someone!!!! So be honest when writing on this forum!!!! A collection agent is calling to collect on the massive amount of CC and payday loan debt that this country has. It is a job, and unlike most of us who have nothing better to do but sit here and try to find ways to AVOID paying back what we RIGHTLY owe,and to look for ways to make the unemployment numbers go up by trying to close companies who gainfully employ people who want to work. You should be figuring out a way to pay your bills and help this country get out of debt!!!!

It is debt not debit!!!!

please call the new york state attorney general to report this company if you feel they have violated the fdcpa.  allegedly they are "over-collecting" by extortion.  which means inflating the balance of your payday loan and get you to pay it by threatening you, which is illegal.  the charge for doing this, actually, is called "grand larceny by extortion" and carries a criminal charge.  Individuals working there as well as the owner could be prosecuted for instances of over collects by extortion and other violations.  They cannot "arrest" you for not paying a debt, they cannot "seize your assets" or belongings, they do not and will not "have you served",  if you are able, tape the conversations in states where it is legal to do so, and provide them to law enforcement.  Perhaps current employees would want to report what is going on there before they go down with the ship.............just a thought from a friendly industry lawyer who knows.  by the way, you can reach the New York State Attorney General at 716-853-8400.

I just got a call today from a private number, when I called back the number they gave me (1877)219-7774 ext 229. They told me they were trying to collect a debt and that they had attorneys prepared to take me to court if I dont pay them by friday. Also they told me that credx or CDR was a scam but they were not. I already paid some money to cdr, this time i googled this company before making any payment. And of course they turned out to be a scam as well. How do you find the legitimate company to call to make arrangements with to pay? Also how do you get them to stop calling you?

Collection agencies must be honest when calling and provide proof of debt and not skirt around the issue!!  These people are clearly falsely representing themselves over the phone and harassing  people.  Paid in full you wouldn't happen to be a collector would you??  Sounds like it!!!  The point is the manner in which this is all being done is wrong and the collectors are lining their own pockets by over inflating  the supposed debt in question!!

How would Mr. Torres know if this is a valid debt. Your firm refuses to validate any claims. Validation is required by the FDCPA.

Here is a thought for you ......validate the freaking debt when requested as per the FDCPA. If the debt is legitimate, you should have no problem doing it.

THANKS PAID IN FULL - YOU HAVE CONFIRMED IT IS A SCAM

Real legitimate debt collection companies DO NOT HAVE THEIR EMPLOYEES trolling complaint boards.



THIS IS CONTINUED ILLEGAL HARRASSMENT BY A DEBT COLLECTOR  ON A PUBLIC FORUM.

For those of you are filing complaints  with the Attorney Generals - BE SURE TO INCLUDE THIS THREAD  - this will help put these scamming bottom feeders behind bars.


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
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/First.htm
    
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

Only illegal debt collectors continue their illegal harassment tactics on a public forum - we already know you are a scam!

Your posting here is debt collector harassment this is illegal.

There is no valid debt and we all know it..