904-355-9921

Last month I received a gross vulgar video message from this company or someone from this company. It depicted a cartoon of someone with his pants down using the bathroom and showing the steaming pile of poo. A few days ago I received another video message from them and it was the scary looking girl from the movie The Ring I think and it said something to the effect of "If I don't forward this within 7 mins that I was going to come kill you". Unfortunely I erased the two messages by mistake so the only proof I have is having their number. If the send more I'm not sure what to do. I will have to do more research.

My husband and I have been receiving calls from this number on a daily basis directed to Peter S-----. They preface the call with the instruction that if you are not the party, press one (1)but they continue to leave detailed messages on my recorder.        I am requesting that they cease and desist and I have forwarded this information to the Florida Bar Assn.
I changed my telephone number this year, I am unlisted,I have a "DO NOT  CALL" request on file. Futhermore the party they are trying to reach is a shoe store that closed. Shame on them if a telephone no,is all they have  for a business contact.

Bray & Lunsford, P.A.
421 West Church Street, Suite 111
P.O. Box 53197
Jacksonville, Florida 32201
Phone: 904-355-9921
      800-749-2729
      800-749-9921    
Fax:   904-358-3069

Representative Clients:
Capital One Bank; Capital One Auto Finance; Chrysler Financial Services Americas LLC; DCFS USA LLC, Mercedes Benz Financial; First Equity Card Corporation; Ford Motor Credit Company; GE Money Bank; Haverty's; HSBC

Other Office Addresses:
1031 Ives Dairy Road, Suite 228
Miami, Florida 33179

http://www.lawyers.com/Florida/Jacksonville/B ... .-790804-f.html

Capital One sues me for an ID Theft/ Credit Fraud new account

For more than a year, I have been tirelessly fighting Capital One to investigate Credit Fraud/ Identity Theft credit card that was apparently opened in my name without my permission.

By the time I was aware of this, the account was sent to collections. I immediately contacted Capital One and was referred to speak with its collection agency despite my request to document and investigate this as a fraud case.

The first collection agency (can't remember the name) sent me a letter. I responded quickly and efficiently and did not hear back from them assuming the agency ceased and desisted to collect the balance amount. This was back in 8/2005.  This was NOT the first and only Identity Theft case so I took measures to guard my good credit and reported it to the CRAs and FTC.

Fast forward exactly a year later, I received a demand letter from a collection agency, PA. And well within the 30-day dispute letter, it received my response letter, which clearly stated this is not my debt and claimed it to be an identity theft issue.

The next notification sent to me was a civil summons at my door to appear in court as a defendant in a defaulted credit card loan.

I contacted the collection agency, BRAY AND LUNSFORD OUT OF JACKSONVILLE, FL and questioned why my dispute letter was ignored. I felt uncomfortable speaking with the plantiff's representation as it demanded payment instead of listening to case.

So I then demanded a ID theft affidavit form be sent to be from Capital One. After a few more calls requesting this vital document, I received it and had it notarized. I was then told it was received by Cap. One days later. But, nothing had been done.

I showed up in court and the judge recognized my previous letters to her pleading the court to dismiss the case based on my plea of innocence and ID Theft victimization.

She questioned the attorney who had no clue of this- just expected us to pay that day or else. The judge granted Cap. One 30-days to provide a signature and will review the status in Feb.

Meantime, I am filing complaints with other regulatory agencies and sending letters to anyone and everyone regarding this case. This ID theft account should have not gone this far and I think the judge agrees.

I have created a timeline of my energy and due diligence regarding this matter and hope to have this case dismissed and will countersue Capital One for damages. Not only was my valuable time exhausted... I have incurred out-of-pocket expenses to defend my good name. It is my hope federal and state regulators notice a pattern of complaints (and in my opinion, extortion) re: CAPITAL ONE.

http://creditlegislation.org/activists/forum6/11.html

Junk Debt Buyer Roundup

This is a current list of some of the worst in the industry:
Adam Jeffrey Katz, P.A.
Andreu & Palma, P.A.
Arrow Financial Services, LLC
Asset Acceptance, LLC
Atlantic Credit & Finance, Inc.
BRAY AND LUNSFORD, P.A.
CACV, LLC aka CACH, LLC ("Collect America")
Cavalry Portfolio Services, LLC
David E. Borack, P.A.
The Law Offices of Erskine & Fleisher
The Law Offices of John P. Frye
Financial Independence Services Corp.
Hayt, Hayt & Landau
Jacobson, Sobo & Moselle
Law Offices of Melissa A. Ferris, P.A.
LVNV Funding, LLC
Marcadis & Associates, P.A.
Shafritz & Braten, P.A.
Midland Credit Management
Midland Funding
Hudson & Keyse, LLC
Palisades Collections, LLC
Pollack & Rosen, P.A.
Portfolio Recovery Associates, LLC
Rubin & Debski, P.A.
Law Offices of Harold E. Scherr
Sprechman & Associates, P.A.
NCO Financial Systems
Unifund CCR Partners, G.P.
Wagner & Hunt, P.A.
Mann Bracken, LLP or or Eskanos & Adler LLP or Wolpoff & Abramson, LLP
Zakheim & Associates, P.A.

http://collectionagencyhallofshame.blogspot.c ... er-roundup.html

Surviving debt collection for the next few decades

Political Gateway - April 1st, 2009 - This article’s mission is to prepare you for possible nightmare debt collection problems in the next decade or two. It is important for you to read this whether you are having problems now or not.

What kind of debt am I talking about?
Your debt, for the purposes of this article, is mainly centered around car loans, mortgages, and unsecured credit. These are the items most likely to be involved in future issues for your family. This also concerns people who are not late and actually paid off debt or sold a house.

Debt process
2 things happen, you pay something off or you go into default. Paying off a debt is good, but it is not always recorded properly and can still go into a debt pool. A defaulted debt will go to a ‘normal’ collections process. Either way, eventually this non paid or mistakenly not recorded debt will end up in a debt pool.

Debt Pool
It is kind of like the internet, a big vast mysterious cloud full of old debt. Your old debts languish here until someone decides to buy them and attempt to collect the money owed.

Organized Criminal debt collectors
It is the debt pool that is the target of this article and the people who dwell there. These people may or may not be ‘mafia’ but you will find that they are very organized, attempt criminal acts in collections, and thus are ‘organized criminals.’

Bankruptcy
Even bankrupted debt goes into that pool. On purpose or accident, who is to say, but you will get calls on it 10 to 20 years later. Especially if a judgment was ordered by the courts.

The ‘Process’ of your demise
The debt thrown into the debt pool is sketchy at best. Usually it is a photocopy of the original contract and some contact information. Usually the data will never include your payment history, any modifications, or even payoffs. Once it gets in the pool an attempt will be made to collect the debt sometime in the future.

This debt is never ending. It could be 15 to 20 years later and you will get a call from these ‘guys’ looking for the cash. Few of us keep records of payoffs or deals made with debtors for more than a year or so, and they use this against you as you can no longer prove you paid it or had a deal.

During this time, many lenders of secured and non secured debt are going bankrupt, selling your accounts to someone else, or being bought out by another company. In all that mess, your payoff will go missing, your written deal to pay less or be forgiven will disappear, and even your payment history will go missing.

All those messed up boxes and files get thrown into the debt pool. When they come a calling, do you have proof of all that happened to stop them from coming after you?

May sound easy
It may sound easy to have it all cleared up. A few phone calls, a fax or two of info. Or maybe you went bankrupt and can just send them the data? You could not be more wrong.

The best protection is to get everything in writing and keep copies of everything. Get a storage bin or a safety deposit box, or even store at a relatives. Keep at least two sets of EVERYTHING that you pay off or default on and any communications or payments.

In come the 'alleged' criminal debt collectors
Your first contact with them may be many years from now, but it will come. It will be a phone call or a letter. Once they contact you they will come after you fully armed with procedures to financially ruin you if need be to get the money. Even money you no longer owe.

To illustrate, look up on a search engine the term “Daniel Cadle” (in quotes) or “Jan Schlichtmann” with it. The Cadle company and its thousands of front companies are all over America going after people like you and me. You will find information that is quite scary. Texas has an arrest warrant out for Cadle if he steps into the state. These people are bad. Just mention them to a bankruptcy lawyer and you will see fear cross their face.

This is just one of many companies that you cannot stop. Even if you fight them in court and win they will just bring another front company up and come after you again. Win a judgment against them? Sure, but the company you have the judgment in has no assets. Their lawyers will bury you fast and furious and it will cost you a fortune to stop them.

They will file a judgment against you. I suggest going to that courtroom with a lawyer. If there already is a judgment or if they win one in your case, you are now in real trouble. They will come after your wages, cars, bank accounts, any and all assets. You can bet your life on it. Bankruptcy? Unless you are going chapter 7 and have nothing in assets, you are gonna find it near impossible to stop them.

Remember that movie with John Travolta, ‘A Civil Action’? His character Schlichtmann went bankrupt in the end. Years later, he received a payout from some later work he did on that same issue the movie was about. Cadle came after him. A ten year battle ensued. Word has it he got help from some Harvard lawyers. For ten years these lawyers battled this company. Eventually they went behind Cadle and bought the debt from the debt pool. Then Cadle still came after them.

Do you think you have a chance against them? This company is one of many, maybe all connected, that will do some bad things to get your debt. The old victims of Cadle website had horrible stories from people who were harassed and intimidated, all against the law, to get debt. In many cases debt that was not owed.

I do not owe anyone anything
You wish. You never know if something is not recorded properly or the final payment is registered correctly. An old debt you paid off from a collection agency may still be active. In ten years you will get a call or letter asking for the whole amount of the original loan.

Pay attention
Not paying attention to your mail can cause you to have some debt collectors with a court order at your door, with a tow truck, to take your cars for an old credit card debt from 15 years ago, that you paid off!

Protection
You can only protect yourself by keeping complete records and backups. Bankruptcy records too. Keep them all for as long as you live.

Why now?
Why bring this up now? This stuff has been going on for a while and the state attorney’s do little to stop it. Each is a nightmare, but it is a personal nightmare. Well, right now about 10 million people have issues with home mortgages. Millions laid off. It is getting bad for huge amounts of people right now.

This means, the future for these 'alleged' criminal debt collectors (Cadle is just one) is very bright. You can expect some job openings as they have about 20 million people’s records to go through for the next few decades. And just like Arnold’s character the ‘Terminator’ they will not stop until they get you. Ever. And with so many people in trouble, it looks to be a good decade or two for them.

Some thoughts
Always open mail. You will only receive one piece of paper that needs to be signed, that is usually the summons to go to court for the judgment against you. After that, they only have to send you a copy of any legal attempts they are doing (like going after wages or bank accounts or other assets).

A common thread seems to be a huge increase in letters from them that are junk, just ‘pay us’ stuff. Then slipped in that blizzard will be a letter saying you have 10 days to come before the judge or they can garnish your bank accounts. If you do not see that one letter, then you will first find out when your bank does a courtesy call to tell you 12,000 has been garnished. Good luck with that.

Always open the mail. If you see a collection company, look them up online right away. Or if you get a phone call from one, look them up online. The search results will usually be very helpful in finding out whether the collector is a regular and legit company. If you see a lot of bad stuff about the company, and lots of victims, you should probably think about a lawyer right away.

If you cannot go bankrupt to stop them (assuming they are really coming after you), then you should realize your assets may be taken from you. No bank account is safe. It would be wise to use a spouse’s accounts and make sure your name is not on them. This includes other assets too. They will not go away. If you have money, you can decide to fight them or pay them (even if you do not really owe anything). However, you will never see any money from them at court and agreeing to pay them usually gets you in more trouble as they will start going crazy with interest.

The judgment is the key, prevent that from happening and all they can do is illegal things to come after you. This is the best thing you can do. Most assets will be safe then, but you will still deal with intimidation and nightmare collections for a long time.

Write your state attorney general as soon as you hear from these people and they break any laws, or if they are going after debt you do not owe. Immediately. This will not really help, but if enough do it, it can cause the State Attorney to get off his or her fat [***] and actually do something to help consumers from these scumbags. My guess is the SA will do nothing though.

Pray you never get a call or letter from Cadle. That is an omen of doom for you. You can win every battle, but you will lose the war unless you can afford 10s of thousands of dollars for litigation.

http://www.politicalgateway.com/news/read/173349

Listen Carefully:
You ended up on this page because you are having problems with a junk debt collector called CACH LLC and their corrupt attorney Melissa Ferris.  As of 2/6/11 we are preparing for a class action lawsuit against this company. If you are a victim of this company. IMMEDIATELY go to WalMart and get a DIGITAL RECORDER. RECORD each and every call that you have with her or her puppet collectors.

I will personally be in Osceola County to deal with this Corrupt Attorney and am setting up a NBC Dateline NBC Story now.

Oh, who am I, ... I am Robert Paisola, The CEO of Western Capital International

http://www.zimbio.com/Crime,+Background+Check ... LS+RICO+AGAINST

Let us know if you need assistance. Be sure to Visit www.WesternCappitalVIP.com first so you can see how we work.

Our goal is to expose this rogue company for what they have done to America and Florida.

See you in JAIL Melissa Ferris.... Your RICO Actions are over. We are using forensic document examiners to examine your cases since 2007. You and CACH LLC EMPLOYEES will will all be in jail when we are done with you.

Robert Paisola
CEO and President
The Western Capital Foundation
National JOURNALIST
www.WesternCapitalVIP.com
1-877-517-9555