Rizzo, Roth & Associates, LLC--questionable tactics?
- SDMitch Roth has NOTHING to do with this "firm." Rizzo RAUTH and associates is a FAKE company name. They just used random names to create this company.
- me tooThese people have been around for years attempting to collect debts that have either been paid or don't exist. The warnings above are correct do not give them any personal information at all. If you do not have call blocker put it on your phone and have the calls blocked. They use scare tactics like today the message I have been hired to have a subpoena issued for your appearance if you want to have matter dismissed or removed from court just call me. Really how dumb do they think people are.
- Annoyed with RRA| 1 replyIs it real or not I'm pretty fed up they have harassed my grandmother, mother, and sister looking for me. If it's real I have no problem paying my debt BUT the fact that they have never called me personally or sent me any piece of mail validating them then I am not paying them a dime. I haven't been hiding they could easily send mail and if they can get my mother and sisters cell numbers they can for sure get mine. Fed up.
- Elspeth replies to Annoyed with RRAIf they're harrassing your family, and refuse to mail (note - do not accept email/fax or phone) proof of debt/proof they have the legal right to collect said debt, then you already know that they are scammers.
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law. - pretzel77| 1 replythey are not out of business, as they have tried calling me three times within the last two days. I have never received any letter from them, but calls telling them that they will be serving me papers. Miss Parks with Rizzo Rauth and Associates. 716-402-1410. Are they legit?
- MidNYteStorm replies to pretzel77
- Sarah replies to wjgesq| 2 repliesRizzo Rauth And Associates LLC 191 Shetland Dr, Williamsville, NY 14221.
- That zip code replies to Sarah| 1 replyis for Buffalo, NY.
- TheHolyHandGrenade"How to Tell You Are Speaking to Or Received a Message From a Scam Collections Company"
Chapter 1 - Section 4.1 - They skip a step with their selected fictitious name by referring to themselves as "Miss" or "Mister".
Example: "Hello, this is Miss Foldingchair with Explosivediarrhea Mediations LLC and we have a server in route who is 40 minutes away from your location to serve papers should you decide not to agree to terms of payments of $200 right now. Should you not decide to agree to our scam payment terms of $160 the server, who is now 20 minutes from your location, will serve you legal documents. Please have 2 forms of ID ready for the server who is 5 minutes from your location if you do not agree to paying $90. Miss? This has been Miss Foldingchair with Explosivediarrhea Mediations LLC. The server is now playing angry birds on his ipad in your driveway or you can pay $50. NO? Well, you will be served then. Good luck."
Author's note: Recent studies have found that scam callers who use a "Miss" or "Mister" prior to their fictitious last name do so because they suffer from extreme-lack-of-originality.
1.. 2.. 5.. No! 3! - BigA replies to That zip codeAs well as other towns up there.
- BigARIZZO RAUTH & ASSOCIATES, LLC
I could not find a web site.
BBB page with a C rating and 2 complaints: http://www.bbb.org/upstate-new-york/business-reviews/collection-agencies/rizzo-rauth-associates-llc-in-lockport-ny-235971874/
Note that the address the BBB has is a UPS store.
Legal notice for the incorporation of the business listing Shetland Dr. as the address: http://legal-notice.org/llc-notice/ny/erie/2012/rizzo-rauth-and-associates-llc
It only took them a year to get sued: http://dockets.justia.com/docket/illinois/ilndce/1:2013cv03047/282629/
Note this is the real business address, a residence: https://www.google.com/maps/@42.981344,-78.70 ... V1TP8rfLUiA!2e0
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
File a complaint at the NY State AG's Office here: http://www.ag.ny.gov/ - angelaGot a call from a John rizzo saying I'm being summon to court and needing to call them back before the papers was served on Thursday. They even gave a case id#
- angela| 10 repliesGot a call from John rizzo claiming I was being summon to court on Thursday. Gave a case id# claimed it was national arbitration services attempting to collect a debt.
- Elspeth replies to angela| 9 repliesHe lied. Read what's been posted above. No one gets a heads up they'll be served - unless the caller is a lying, scamming low-life who's attempting to scare you into paying a bogus debt, a debt that's already been paid, or even a debt that is owed - but not to the caller.
- Jimmy PharterI get tired of these kinds of calls.
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