952-891-4555

I keep receiving calls from this number.  I have no outstanding debt.  I have never spoken to anyone at this number and have never tried calling it back.  How do I get these jokers to stop calling? My husband is getting suspicious and thinks there is a problem I am not telling him about.

left message to call back.  e-mailed and requested what bill was about and that i was exempt from wage garnishments if that's where he was going this whole thing due to receiving public assistance.  he e-mails me back saying assistance is only 5 years and judgement can go on longer.  what an [***] - i work for the county and that's only the cash assistance program.  energy assistance; medical assistance; low income school food program etc can qualify for you and that can go on for just as many years.  very rude e-mail.

was also in a head-on car accident in mid dec 07 and almost died and off work unpaid until august of last year.  of course all bills fell behind.  then this oppenheimer starts with the threats.  i spoke with my atty i have for my accident and he's verging on threats and harrassements which aren't allowed by law.  yes, please let me know also if he was featured on 48 hours.

about a bill i know nothing about as have never had any mail from this collection company or anything

Like you I received calls from this company and have requested their business matters in writing. To this day nothing has been received. The gal, Ms. Cook keeps hanging up when I request information. Not a way to run a business!

When you scum tell people to "pay their bills" have you ever stopped to think that some of them have had tragedies in their lives that have caused the problem? I could write volumes about the subject but all I want to say is I hope every one of you has something happen to you that puts you in the same position as the people you harass for a living.
Remember this smart-a*s: There but for the grace of God goes you!

This company is obviously a bunch of maladjusted,disfunctional and truly psychologically challenged individuals that call them self Jews,We've heard of oppenheimer,goldstine,gold,a real winner cohen and wroth.Probably not their real names acting in a non professional way and breaking the law,its only a wonder how there owner treats these people.He probably sits in an office and does nothing all day berating his help and threatening theyre jobs if they cant get enought money,they feel pressured and take it out on us.What kind od human kindness is going on here?And who is weinerman,we never get to talk to anyone named weinerman

Mark Bugni is the owner of the collection agency.  They all have fake Jewish names to cover as attorneys. Contact Pete Berry on them.  He is an atttorney in MN. Look at the lawsuits they already have against them.

Mark Bugni, Leann Bugni, Tony Renteria, Richard Weinerman.....These are some of the collectors/owners real names!!!

its funny how you debtors play the innocent victim until someone borrows money from you and owes you,  then bam,  your in that persons face demanding your money and saying the same things a bill collector does....  whose worse people who have to deal with deadbeats that want a free ride and don't want to pay there bill or these panzies who play the victim and are huge hipocrits because they know what there getting into when they get the credit, but when it comes time to pay you become scum buckets and blame your problems on everything and everyone but yourself

Let's see you done about 4-5 posts in a few minutes, we can usually piece this kind of behavior together like this ... somebody drove up to North Mpls and scored some coke (or your agency's dealer just delivered it down there in ol' Burnsville) and it got passed around the boiler room, and now you get a couple minutes off to surf. The fake posts about what a wonderful mofo Sydney is were gettin' old and now you're in the mood to just effing SPEW. Whew wish I was having such a great day LOL.

But it's good, let's us see the kind of subhumans you crooks really are, so keep it coming, you're not fooling anybody, certainly not helping your bottom line, but it's entertaining drivel on a slow summer day.

If you are trying to reach Heather Bergeson - the voice mail starts with "Bergeson" no identifying first name.  Please stop calling the number your are calling (651-484-6898)  She no longer resides at this number.  Call Heather at this # (651-274-1768). It is very annoying getting calls all day long.

thank you

sorry your dad did what he did to you!!! seek help, get over it..  and start taking responsibility for your own life and actions, and quit allowing him to continue to win by holding your life back..

bottom line pay your bill,  or you will be collected against, we  will contact you at wrk to embarass you there, and we will contact your friends and family to motivate you to pay to stop such sort of contact, unfortunetly for you,  the particular collectors in question are good! sooo therefore  you won't be able to scrounge up hard evidence of wrong doing,  the shock is just your pride messing with you.  someone is finally putting y ouin your place

someone is sooo rich there still babbling on the website all day.. trustfund baby.. your like paris hilton but with no where near as much money, and your ugly.. don't forget about 3 blls.. cheryl is stupid

I am a bill collector. A few weeks back my Father called me after he started receiving some odd phone calls. Mike would never leave a way to contact him back when he spoke with him so I asked him to give me the number from his caller id.  I called and spoke with him and found out it was in regards to a debt that I had thought was cleared up years back that was in fact a situation of identity theft. I explained to him that out of professional courtesy I would ignore the laws he had just broken and go home, find the documents I had and fax them to him. When I got home I found that the credit card number did not match the one that was fraud years ago. I pulled my credit report and found it on there. (along with a few other things I was unaware of) I realized that this must have been one of my cards that my ex was an authorized user on. I faxed Mike a statement of what I had found and that I intended on paying it.  I requested that he call me back so that we could talk about a settlement.  Instead of receiving a call back from him he called my elderly father again and tore into him calling him a liar. After hearing of this yesterday I intended on calling Mike on Monday to see what possible reason he could have for doing this. A very odd way to treat someone who has already said they will pay you. Instead he called me this morning. When I said that I would have to call him back because it was an inconvenient time he made a few statements like: "if you don't pay this I'm going to haul you in. You will be responsible for my wages as well which will astonish you." I did just check with http://www.mncourts.gov and do not see you listed as an attorney licensed to practice law in the state of MN here. So how is it that I will be responsible for your wages? As far as hauling me in my friend, debtors prison has not been a part of our country since its inception. The most amazing part is that you say and do these things after you know that I work in the same industry as you and know the laws inside and out. This is how you treat someone who says they are going to pay you? I don't have a lot of sympathy for debtors in most cases, but after dealing with you I can at least understand where their anger comes from. I've never been happier that I record all my calls then right now. (and that Minnesota is a single party knowledge state for recording) In conclusion I am fully intending on resolving this debt.  I will pay it in full with the money that i will be awarded from suing you for the hailstorm of FDCPA violations that I have on record from just a couple weeks of dealing with you and only ever talking to you twice. I'm certain the next few days will -astonish- you. I'm pretty sure Tom Lyons would pick up this case, wouldn't you think Mike? (just in case anyone who reads this would like help dealing with our good friend Mike: http://www.lyonslawfirm.com/ )  Talk to you tomorrow Mike.

http://www.linkedin.com/pub/mark-bugni/a/b2b/14

Not even mentioned on the company website.

Personalize this letter and send registered mail. This will stop the calls cold! It may not stop collection action by these parasites but they must stop calling. It worked like a charm for us.

Date XXXX, XX/ 2009


BY CERTIFIED MAIL/
RETURN RECEIPT REQUESTED

To:
Weinerman & Associates

From:
XXXXXX XXXX
XXXXXXX XXXX
XXXX XXXX 55555

Re:    Harassment by causing telephone number 123-456-6789 to ring multiple times per day.

Greetings:

        We are writing to give you notice under the Fair Debt Collection Practices Act that we want you to cease all communications with us.  Please do not call us at home or at work and do not send us any correspondence other than one letter to notify us of your intent, if any, with respect to any alleged debt.

As you will notice we have included our address and telephone number in this letter so that there will be no need for you to contact any employer, relatives or neighbors to contact us. Any attempt to do so will be dealt with to the fullest extent of the law.

Thank you for your prompt attention to this matter.

Regards,

John Doe
Jane Doe

FILE COMPLAINTS WITH THE CORRECT AGENCIES AND CLOSE THEM DOWN

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