888-820-0964

1-888-820-0964 Is a collection agency who loves to call people and threaten them, this company over steps the bounds that collection agencies normally take, this company is a 'bottom feeded' meaning they get the collection accounts after that already been bounced from the larger collection agencies, they use anything to try and collect a debt, you have right by the way, google THE FAIR COLLECTION ACT, and see what right you have,

A man left a message on my machine saying that his office had a issue with someone, and he could help. Ahh, what a sport! Gimme a break, it's a collection agency of some sort

I got a call from these guys, they were so rude and said i had ''breached my contract''  (give me a break it was a credit card) this is the third company to have my account since it went to collections, i was laid off after 12-1/2 yrs with same company and the economy the way it is i can only search,
anyways this is a Collection Agency who calls from this number, either from a HOME DEPOT acct or a CAPITAL ONE acct, one of the two..

This person ZEBRAK PAVEL has used my address for credit cards ,now i get phone calls from this number and letters in the mail looking for this person.I have live he for about 28 years.Somebody needs to do some thing about this.They are very rude and nasty on the phone to me.

Jeff Shaw called my house and said that he could help me if I voluntarily called him.  Who is this guy?

Some lady from this debt collection agency called and said I owed money to her client. She started asking me all kinds of questions about how I pay my rent and other bills. Told her I live with someone who pays bills. She wanted to know who. Wanted to know if my name was on the lease where I live. She was really nasty and wouldn't let me get a word in edgewise.
These people should be ashamed of themselves.

They actually laughed at me and said Well then get out your checkbook and get ready to pay the full amount...very rude.  I told them they'd get nothing..I can use the money I was going to pay them to file bankruptcy and that I was going to let the company they were collecting for know how I was treated.

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY


Zenith Acquisitions Corp.

Aka/ NorthStar Capital Acquisitions, LLC
aka/ Varde
220 John Glenn Drive, #100
Amherst, NY 14228
Phone:
800-479-6011 716-213-0674 716-799-8000

Fax: 716-213-0680                Fax: 716-213-0681
David L. Paris, President
Gregory Nowicki, Chief Operations Officer
Howard Hornblass, Chief Financial Officer
Web Address: www.zenithacq.com



COMPLAINTS HERE




--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



This bottom feeder organization has a terrible reputation for purchasing old, mostly worthless debts, then manufacturing documents that appear to make them legal. Owner, David L. Paris is NOT to be trusted, nor is anything that comes out of their organization under the names of NorthStar and Zenith Acquisitions.



North Star claims they aren't a Debt Collector...

Federal Judge Refuses To Dismiss
Case Against Debt Collector & Lawyer

LOS ANGELES – A federal judge refused to dismiss a couple’s claim that N Star Acquisitions barraged them with hostile phone calls to collect a nonexistent debt. Paul and Suzette Oei say North Star representatives called their house incessantly, trying to collect a debt the Oeis allegedly owed on an Aspire credit card account, though the Oeis said they never owned an Aspire card. Suzette claimed one worker called her at work, accused her of being a liar, and when Suzette asked him to stop calling, called another 23 times. When North Star’s attorney, Paul Carruthers, sued them, they fired back with their own lawsuit, which North Star moved to dismiss for a slew of reasons. It claimed North Star was not an actual debt collector and couldn’t be held responsible for the actions of its attorney, whom it labeled an “independent contractor.” Judge Margaret Morrow rejected these arguments, as well as the Oeis’ assertion that their emotional distress claim was “akin” to a malicious prosecution claim.

CONSUMER ALERT: NORTH STAR CAPITAL ACQUISITIONS IS FILING FRAUDULENT LAWSUITS IN VARIOUS AREAS. ALL OF THE DOCUMENTS THEY USE APPEAR TO BE PHONY, AS THEY CONTAIN  LIES AND FALSE PLEADINGS. THEY MAY BE COMMITTING FRAUD IN MANY JURISDICTIONS. DO NOT FALL FOR  THIS SCAM, CONTACT US IMMEDIATELY RE: NORTH STAR CAPITAL ACQUISITIONS, WE CAN ASSIST YOU IN DEALING WITH THEIR PHONY LAWSUIT SCAM!

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.  


Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

We just had our number (our number for 30+ years) changed and put on private (extra 3 dollars).  LITERALLY 2 hours after the change, these guys and many other hateful creditors started to call insisting to talk to some guy (David Dots or Hots or something, usually can't understand the thick accent).

We are just going to disconnect the phone completely.  They won't believe us that we just got this number and the phone company basically says "It's not our problem; would you like a new phone number (with new HATEcreditors) for a small fee?".

these scumbags called 36 times, I think I will post their number and have everyone at the university of Miami call them, and I will do it!!!

I got it when they call me I tell them to get the bail out from OBAMA!!!

Northstar Location Services, LLC
The Northstar Companies
4285 Genesee St
Cheektowaga, NY 14225

p: 716.276.1400
f: 716.565.6928

Owner:
Ann M. Granville
Chief Synergist at Northstar Location Services, LLC
http://www.linkedin.com/pub/ann-m-granville/6/43/681

and her website for the company (they are hiring collectors...lol):
http://www.makeabetterliving.com/index.php

one of their typical collection letters:
http://www.ghsfinancial.com/recent-settlement ... H_QTR-09-10.pdf

I dont know who these people are, but they are calling me over and over looking for someone that I dont even know. They ask for the person and I tell them its a wrong number. They then ask who I am and one guy went as far as to ask me for my birthday and social security number. lol. I dont know how to get them to stop calling me other then to change my number - but seriously what a pain in the butt all because these idiots have the wrong number. Grrr!

Morons called me yesterday, no message left - your typical ROBO-CALL..
So I calls them back this morning and they knew IMMEDIATELY who I was, what I owe, etc. Caller ID, apparently, quick match-up with names/numbers on their computer screen.
Whatever.
Told them to go contact the original creditor, coz I'm sick and tired of telling DIP$HITS about our medical problem that has caused us to have financial problems - only to have them tell me various reasons why they DON'T, WON'T, and CAN'T accept any financial payout arrangements.
Screw 'em.
Crybabies. Go cry to your mommy, loser.
AMD
Phone number was: 888-820-0964

Got an email from my mother-in-law today letting me know she received a call from these morons about me. Now, I live in Kentucky and she lives in Illinois and except for the same last name I don't know how they linked us as relatives. I let her know this is a scam and not to give them any info. Yes, I do owe money but without a job as the old saying goes, you can't get blood from a turnip.

THESE PEOPLE CALLED A NUMBER I HAVE NOT BEEN AT FOR 17 YEARS! THEY SAID IT WAS A FEDERAL CASE AND I OWED 30,000.  THIS IS ABSURED. THIS INFORMATION WAS GIVEN TO MY FATHER. THE GUY TOLD MY DAD HE WAS GOING TO SUE ME AND TAKE EVERYTHING I HAVE!  I AM POSITIVE THIS IS  A CREDIT CARD DEBT! HOW CAN THEY GET AWAY WITH GIVING MY INFORMATION TO MY FATHER AND TELLING HIM IT IS A FEDERAL CASE! THESE PEOPLE NEED TO BE PUT OUT OF BUSINESS FOR THIS TYPE OF HARASSMENT AND UNETHICAL CONDUCT. THE GUY THAT CALLED SAID HIS NAME IS AARON.

Call looking for someone who had the number before me.

They called me about a debt my estranged wife left in Wisconsin.  I checked and found I was legally required to pay the debt so I paid it through the original debtor.  The continued to harass me for at least a month after the debt was paid.  I got so mad at them I told them to F-off.  Now they call me 2 or three times a week because I pissed them off.  The call me looking for a whole bunch of different names even though they know very well that I live here under this number but they are really really sick people because they like to torture you.  They seem to enjoy messing you over.  I will be talking to my lawyer to find out what can be done and what it will cost.

These bottom-feeders are calling my terminally ill mother in a nursing home about an old credit card debt her and her (deceased) husband had.  The nursing home takes 100% of my mothers social security and Medicaid covers the rest, but these scumbags don't seem to care that she's penniless and dying.  I hope they rot in hell.

I just received a call from these SCUM BAGS and they were looking for an individual with the same last name as mine. I have an 845 credit score and all my bills are up to date.
I wish I could get a day in the MMA ring with them. I would break every single bone in their body so that they could no longer harass those that don't even have any debt.