888-727-5888

Was contacted by this company about an obligation long forgotten, pending legal, given opportunity to resolve voluntarily which I was more than happy to do! Saved me a lot of potential problems with the courts, credit bureaus, not to mention helping to keep my perfect crime free history intact. Ms Rose was great!

This company actually called my father's cell phone trying to look for me. They left a case number and I called back to see what it was about. Apparently like Denise, it was a financial obligation from 5 years ago that they've since decided to try and take me to court for. I have a few problems with the way they work, but if they're legit I don't mind getting one more debt all paid off and clear.

If you get a call in regards to a collections account, here are some things to look out for:

Company's name was something like Lieberman, Hunt & Associates or Lieberman & Hunt Associates. When I asked about the company, i was told that they're a subsidiary of WNY Solutions Group. However, a Google search couldn't bring up any info on either company. Sounds a bit suspicious to me. Also, they are supposed to send me a summary of what we discussed on the phone via email so that I as the consumer have some proof to go off of. I have yet to receive anything but will wait out today as they're trying to take a payment in 2 days. If I don't receive an email by the end of the day, I'll be calling back to ask them about it and why I can't find any info on either company. I want as much proof as is available before any payments are taken out. If I can't get some kind of cooperation, they won't be getting their payment and it'll just have to go to court. As consumers, we have a right to information to protect ourselves.

It is also curious that they haven't contacted my recent phone number. A simple Google search for my name turns up my business phone number, but he said they were having trouble locating me and that's why they contacted my father's cell phone. Again, this seems very suspicious. I've given them all of my updated info (including address and email address), so if I don't receive any further calls from them I'll know it's some kind of scam. No need to call other family members when you've got my contact info right?

He also tried to paint me out to be a criminal because we block our home number and no one could find me all this time. It's interesting because even though we've moved to another state, my other creditors never had a problem finding me.

My suggestion: Clearing up debt is all well and good, but do as much research and get as much info as you can if you decide to pay these folks. You don't want your hard-earned money going to anything but the bill to be paid. If they offer a settlement for less than the debt (they offered me a $505 settlement on a $1400 debt), be sure you get the proof that this smaller settlement will in fact settle everything and clear you of all obligation and liability. Otherwise they can come back later and say it wasn't enough or that you didn't pay. At least that way if it ever does go to court you'll have all the proof documentation you need.

I don't necessarily trust these people but we'll see what happens.

sounds like you work for them

The same thing happened to me! They called my boyfriend's sister who lives in another city! I asked them how they got her number and they said that they have private investigators that found her since they couldn't locate me which is a crock of bull since I have lived in the same city and pretty much kept the same number!

I talked some guy who was referrng himself as Mr. Anthony and he said that I owed on a payday loan from 2005 that was initially 450,but now with all the interest and late fees the loan is 1954.00! Even credit cards don't jump up that much! He told me that I could settle for 754.00 if I paid 200.00 and then made a payment plan of 100.00 after that. I asked him to send me some info on this matter and he said that he would send it via e-mail and I said ok, and ofcourse when I checked the my e-mail, it wasn't there. I ain't paying them a dime until I see some proof, take me to court! I know my laws in my state, and they can't throw me in jail. I am pregnant and I don't need this added stress!

He harrassed me yesterday. I called him out on his bs claims and he got mad and hung up on me. I reported them

They called my elderly Mother and said they were investigating me and that was a warrant out for me.  I called police they said there was nothing.  When I called they kept telling me they needed my social, I said no.  I told them to, send something in writing, which I have never received.  They said they had my bank info, etc. but kept wanting my social.  I told them I had called police which I did.  Have not heard from them since and they have my phone number.

I received call from this collection agency? I was threatened that they would be filing a case on me in Broward County for fraud. I contacted the Company that they said i owed. They stated that I am not in their system and that, A company has been contacting people pretending to be them (Pay Day Loan Yes) The lady advised me to file a complaint with the Attorney General and to ask the company to vaildate the debt ask them to send you proof you owe that debt. Also to google the phone # that is calling you.

I received a call from kings county and that I owe a PayDayLoan.  They ask for the last 4 digit of my social.  They gave me a file number.  I told them to give me something in writing.  This was in 2006.  They just calling me last night.  They named my mother and my sister in law.  They asked how can I resolve this matter.  I told them I can't resolve something that I have no knowledge of.  So send me something in writing.  I hung up because Paul could not give me any information but to say he is a private investigator.  Paul called my sister in law this morning at her job said they had a warrant for my arrest.  She was scared for my because she didn't know what it was about.

Oh yea! That's what I am talking about! I agree with you 100 percent. Some lady called referencing my someone else's name but saying that the call was for me, then she stats that their has been a complaint filed against me with the county and to avoid persecution, and having being served at my job it is important tha my mom get in contact with me immediatly.  First of all in the state of California the statue of limitations is 5 years to sue for debt. Second, they are not supposed to disclose ANY type of information to a party other than the person whose debt it is and finally if there is already a pending investigation why is it that you are warning me that there is an investigation but saying that it has already been filed?

Hey this number is pops up on the caller ID as 716-566-5838. I think it's a bunch of BS. The way the practice debt collection

On Monday, July 12, I got a somewhat, rude, phone call from these people.  They were trying to tell me that my brother was writing bad checks for large sums of money and that they were looking for him.  They continued to ask if I knew where he was and if I had his phone number.  I were connecting me to the situation by saying he was using me and our father as guaranteer's??? or references in order to write and cash these phantom checks.  All if this had been taking place in the last three years to present day.  I called my brother and told him the situation and he knew rather quickly that this was a collection agency, especially once we compared phone numbers.  This is a bad little gig these people have going by using all kinds of scare tactics.  Needless to say, I was pretty upset at how these yahoos are going about there day calling unsuspecting, law abiding citizens and running them through the ringer of guilt and worry.  They're going to get a call from my lawyer after I've finished researching them.

They are a collection agency VERY harrasing

NEVER EVER GIVE BANK ACCOUNT OR CREDIT CARD INFO TO A DEBT COLLECTOR they will empty your account and max out your cards.


Never agree to anything until THEY PROVE in writing as REQUIRED BY LAW that the debt is valid and actually yours.   STAY OFF THE PHONE AND DEMAND THEY ONLY CONTACT YOU IN WRITING!  

A 5 year old debt is BEYOND the Statute of Limitations for MOST states and THEY CANNOT SUE YOU!  and you have NO LEGAL obligation to pay it.  It will not fix your credit rating!

If they are threatening to sue you on a time BARRED debt - they are not LEGIT!  


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

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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

I received an anonymous call from 716-566-5842 at approximately 12:50 pm EST.  I didn't recognize the number, so I let my voicemail take the call. The voicemail was from an associate by the name of Sandra Rose. Her message stated that there was a complaint filed against me for committing a fraud and gave me a case number, along with this 888-727-5888 number. I returned her call and disputed the claim and insisted that I may have been a victim of fraud or she's just totally after the wrong person. She insinuated and suggest that unless I gave her my account number or a credit card number to resolve this matter, they would pursue legal actions. She also gave me references of 2 individuals that I have never even heard of. I kept saying that I am not the person she was looking for. Finally, she went on to say that since I'm denying the claims, they will report this matter back to their "client" as unresolved. At this point I was irate, so I asked for her name (Sandra Rock), the firm she worked for (Lieberman Hunt & Associates), and the "client" whom supposedly 'filed this complaint' (Cash Central America).

I immediately got on the phone with my attorney, told her what I was told, and gave her the firm name. She made a few calls to Cash Central America, spoke to an account manager, and they said "my acount has since been closed and sold to MLA Holdings." She got the number for MLA, made several calls, but it seems nobody works there anymore. Meanwhile, on my end, I decided to google Lieberman, Hunt & Associates, and to my surprise, found hundreds of complaints about them and their tactics to scam the good samaritans of this great country. I quickly called my attorney and informed her of what I found. After she read a lot of what other people were posting, she wanted us to conference call Lieberman, Hunt & Associates while she just listens on the other line.

Well, without further ado, I called and spoke directly to Sandra Rose. I first asked if she could send me a validation notice regarding this debt, so I could forward it to my attorney. She put me on hold for at least 15 minutes. Suddenly, I got another call from 716-566-9561 while I was still on hold. I picked it up as the number looked familiar. It was Sandra Rose, and with a softer tone in her voice, she said that she had already sent the file back to Cash Central America and they closed the account as fraud. I could almost hear my attorney chuckling because she knew these were false allegations to begin with. lol. I went to tell her that my attorney will probably still contact them to validate the claims. She put her 'supervisor' Jack Collins on the line. I said to him that I would appreciate if he took my name and number off their list immediately, and as of tomorrow, I will be heading to the Attorney General's office to file a complaint in the many violations they committed. He was apologetic and said that they would take my number off their list. My attorney and I enjoyed a good laugh together once the call was complete.

Don't fall for these tactics! Always investigate, I'm glad I did. Now I just hope they really do take my name and number off their list.

I have also received harassing calls from this Lieberman Hunt and Associates..They contacted my ex husband from more than seven years ago..telling him to leave me the message to get in contact with them as soon as possible..that I was being charged for fraud out of the Oklahoma County which I have never gotten a loan from..Then when I finally called their office and requested proof of everything they were accusing me for..they failed to mail me anything ..they kept insisting on my social or a case number...???? Where can I report these people????

How do I get an address for this Lieberman Hunt & Associates? They called everyone I know and disclosed all my private info. When I called them about this assumed debt that I owe I asked them to send me by mail all the information and they kept saying they will e-mail it.  I did not see anything in my e-mail so when I called them back and ask for an address they refuse to provide one.  He got upset and yelled at me saying I am just like all the other people. I respectfully advise them to cease all communications and hung up.  I have been searching for an address but can not find one.... Can anyone help me?

I have had the same calls others have but they will not provide me with any information or e-mail me with information.  I have no problem taking care of this matter if I was obligated to but without the proper paperwork I will not payit.  Phone

they contacted sis in law left message on her answering machine with my name and last 4 ss#... she contacted me they called her but didnt give her info and hung up on her... wh;y not give all my info out to every freaking answering machine.... WTF!!

I received a call from a Kim Lewis from this company. She wouldnt give me any info but kept on insisting that i give her info on my sister! All she would say is that my sister had a complaint filled against her. I told my sister through a message bc she was in class. While waiting on a response from my sister i googled this Liebriman hunt & Assoc. and this forum is all i could find on them! I would say this must be a scam. It kind of frightened me because my sister does have a history with these loans and money problems. But turns out its just a scam.

The address they gave me on an email of a so-called "agreement" is  5140 Main Street Suite #303
Buffalo, New York   14221- 5265

It was something they typed, not even on legal letterhead and their email address was through AOL (which anyone can get) not an actual company.