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Courtesy of Bud Hibbs-America's Consumer Credit Expert
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Collection Agencies to Avoid

The federal law governing collection agencies is called the Fair Debt Collection Practices Act. This law was designed to protect you from illegal debt collection practices. The most common abuses by debt collectors are listed below. Anyone can stop a collection agency from contacting them by sending a letter to cease communication. However, the agencies and law firms listed below have demonstrated the law is NOT as important as your rights and that they care only about getting to your MONEY!

Based on their arrogance, deceit, lies, misrepresentation, fines, lawsuits, and greed, it is my opinion that they should be Avoided, not Rewarded!

AVOID THESE!
Debt Collection Agencies, Scavenger Debt Buyers, & Collector Attorney - Law Offices!

These debt collectors and attorneys have demonstrated to me they care only about money; consumer rights and obeying the law are not as important as being paid. Those in RED are, in my opinion, based on first-hand experiences over months and years, the absolute worst in America. I consider them disgusting law-breakers who deserve to feel the full wrath of the laws enacted to protect you. Use the FREE Cease-Communication letter and contact me for greater assistance in dealing with them.

Collectors List @ BudHibbs.com

  1. Academy Collections

  2. Account Management Services ******  Updated daily at www.giovelawofficeexposed.com

  3. Account Solutions Group

  4. Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC 

  5. Allen, Lewis & Associates, Inc.****

  6. Alliance One, Inc.**

  7. Allied Interstate, Inc.*

  8. Allstate Financial Services  dba Allstate Adjustment Bureau

  9. Aman Collection Service*

  10. American Coradius, Inc.*

  11. American Legal Recovery***

  12. Ameriquest Recovery Services

  13. AMO Recoveries***

  14. Ariel Financial Services

  15. Arrow Financial Services*****

  16. Asta Funding

  17. Asset Acceptance Corp.*****

  18. Atlantic Credit & Finance***

  19. Attention, L.L.C.

  20. Barnes, Curtis, O.*** Con-America

  21. Barnford, Thomas K./Elder, Timothy L.

  22. Baumann Law Firm**

  23. Bennett & DeLoney, PC.*****

  24. Boivin, Lawrence R., Lawyer

  25. Booska, Steven A.

  26. Boyjian Law Offices

  27. Bronson & Migliaccio, LLP**

  28. Buffaloe & Associates, Lawyers

  29. Burak, Donald S. Attorney***

  30. The Bureaus, Inc.**

  31. Burke, Edward T. & Assoc, P.C.

  32. CACV**** aka CACH, LLC  

  33. California Financial Credit Association

  34. Cambece, James A. aka/Tough Tony****

  35. Capital Management Services

  36. Capital One Bank/Westmorland Agency

  37. Cavalry Portfolio Services, LLC**

  38. Client Services, Inc.

  39. Cohen & Slamowitz, LLP

  40. CMKS Holdings, LLC

  41. Coldata Collection Agency

  42. Collect America, CACV**** aka CACH, LLC

  43. Collect Corp.

  44. Collectech Systems, Inc.

  45. Collins Law Office - CLOSING SOON!

  46. Colonial Credit Corporation

  47. Colorado Capital Investments

  48. Commonwealth Financial Systems, Inc

  49. Continental Fairways Group

  50. CPS Investigations

  51. Credigy Receivables***

  52. Credit Collection Service

  53. Credit One, LLC

  54. The Credit Store**

  55. Credit Systems International

  56. Creditors Financial Group

  57. Creditors Interchange Rcvble Mgmt, LLC

  58. CRS Capital Recovery Services

  59. C. Water Recoveries    Also see www.giovelawofficeexposed.com

  60. Daniels & Norelli, P.C. **** (Con America)

  61. DC Credit Services

  62. DeFede, John A. Lawyer****

  63. DeJana, Richard****

  64. Dendy, Michael D.***

  65. Ebbets Partners

  66. eCast Settlement**

  67. Elder, Timothy L./Barnford, Thomas K

  68. Elite Recovery Services, Inc. *****

  69. Ellis Crosby and Associates - Bankrupt!

  70. Endeavor Financial Partners, LLC

  71. ER Solutions

  72. Eskanos & Adler, PC

  73. Estate Recoveries

  74. Evans Law Offices

  75. FBCS Federal Bond & Collection Service

  76. Federal Credit ,Corp

  77. First Revenue Assurance**

  78. Go-More Financial, Inc.

  79. GC Services

  80. Gemini Recoveries, Inc.

  81. Giove Law Office, P.C.***** 
    Updated daily at www.giovelawofficeexposed.com

  82. Goggins & Lavintman, PA

  83. Gulf State Credit

  84. Great Seneca Financial Corp.***

  85. Hanna, Frederick J. & Assoc.****

  86. Harker, John W. CACV****

  87. Harrison Ross Byck, Esq. **

  88. Harry Cohn and Scott M. Miller   Closed, but still operating see www.giovelawofficeexposed.com

  89. Hosto and Buchan

  90. Household Recovery Services Corp.

  91. Hudson & Keyse, LLC

  92. Hull & Associates, P.C.

  93. Integrity Resolution Group, LLC

  94. Int'l Portfolio Management ***

  95. Javitch, Block & Rathbone LLP

  96. Kay, Mitchell N., P.C.**

  97. Kravitz, Schnitzer, Sloane, Johnson & Eberhardy, CHTD

  98. The Law Center****   Closed, but still operating see www.giovelawofficeexposed.com

  99. Lang, Richert & Patch 

  100. LDG Financial ServicesII, LLC***

  101. Leasecomm Corporation****

  102. Legal Recovery Services, Inc.*****

  103. Lenahan Law Offices***** CLOSED, but still operating see www.giovelawofficeexposed.com

  104. LHR, Inc.

  105. Love, Beal & Nixon, PC

  106. Lowery, Scott P., P.C.**** aka CACH, LLC

  107. LTD Financial Services, L.P.**

  108. LVNV Funding, LLC ****

  109. Magnus Services, Inc.

  110. Mann-Bracken, LLC

  111. Marauder Corporation

  112. McKelvey Law Office 

  113. Merchant's Credit Guide Co.

  114. Messerli & Kramer

  115. Midland Credit Management, Inc.*

  116. Mims, Jerry M., Lawyer****(formerly BANKRUPT)

  117. Moore, Gerald E. & Associates***

  118. MRS Associates, Inc.**

  119. Myers & Porter, Attorneys

  120. National Action Financial Services, Inc.***

  121. National Asset Management

  122. National Asset Services Co

  123. National Attorney's Network ******

  124. National Credit Adjusters ***

  125. National Enterprise Systems****

  126. National Financial Systems****

  127. National Revenue Corporation

  128. Nationwide Capital Recovery

  129. Nationwide Credit, Inc.

  130. NCO Financial Systems****

  131. Neuheisel Law Firm, PC*****

  132. New Horizon Credit, Inc.

  133. New Vision Financial

  134. North Shore Agency

  135. North Star Capital Acquisitions, LLC

  136. Northeast Credit & Collections

  137. Omnia Credit Services

  138. OSI/Outsourcing Solutions

  139. Pacific Coast Collections* (Alliance One)

  140. Palisades Collections, LLC

  141. Penn Credit Corporation**

  142. Performance Capital Management***

  143. Phillips & Cohen Associates, Ltd.***

  144. Pinnacle Asset & Capital Management Grp, LLC

  145. Plaza Associates

  146. Portfolio Management of Amherst, LLC.

  147. Portfolio Recovery Associates, LLC

  148. Preferred Platinum Plan **aka Porn Collectors!

  149. Pro Collect, Inc.**

  150. RCS Centre Corp ***

  151. Redline Recovery Services, LLC.

  152. Resurgent Capital Services/Sherman

  153. Riddle & Associates

  154. Risk Management Alternatives (RMA)**

  155. RJM Acquisitions, LLC

  156. Roach, Larry, Law Offices of

  157. Sagres Company, (the)

  158. Scherr, Harold E. , Attorney**** 'Con-America'

  159. Schreiber and Associates, PC.
  160. Shekinah, Inc ***** 

  161. Sherman Financial Group/Alegis (SDB) ***

  162. Specified Credit Association

  163. Stanley Weinberg & Associates

  164. Steinbrenner, Carl A.

  165. Stevens & James Debt Collectors

  166. Stewart & Associates, P.C.*****

  167. Streeter, Sam W., Lawyer

  168. Stouwie & Mayo

  169. Superior Asset Management

  170. Surpas Resource Corporation

  171. Tabula Rasa, Inc

  172. Taylor, Jay A.  P.C. Attorney

  173. Titan Recovery Group, LLC

  174. Transcontinental Adjustment Corp

  175. Trauner, Cohen & Thomas**

  176. Triadvantage Credit Services***

  177. Unifund Group Corp. *****

  178. United Creditors

  179. United Legal Corporation

  180. United Recovery Systems***

  181. Van Ru Credit Corp**

  182. Vasques, Louis, Law Office of

  183. Weltman, Weinberg & Reis

  184. Wendt Law Offices

  185. West Asset Management Inc.

  186. Westmoreland Agency/Capital One Bank

  187. Winn and Sims, P.C

  188. Wolpoff & Abramson*****

  189. Wolter, Warren H. Attorney***

  190. Worldwide Asset Purchasing, LLC***

  191. Zwicker & Associates, P.C.***

Under Provisions of Federal Law, The Fair Debt Collection Practices Act

It is Illegal for Debt Collectors to:

  • Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;

  • Call consumers at work when they knew the consumers' employers prohibited such calls;

  • Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;

  • Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;

  • Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;

  • Call consumers at times or places that they knew or should have known were inconvenient;

  • Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor š

  • Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.

  • Use obscene or profane language

ATTENTION CONSUMERS!

If you are CONTACTED by a Debt Collector:

NEVER give them your banking or credit card information. They will take much more than you authorize.

NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.

NEVER send them money via Western Union.

REMEMBER:š Debt Collectors have NO power and NO authority and should NEVER be trusted.š They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.

BEWARE: Paying a debt collector will NOT get an account removed from your credit. šThey do NOT have that ability.

RECORD conversations with debt collectors (where legal) so they can bešheld accountable for breaking the law.š Is taping legal in your state:šš Can We Tape

Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees.šššššš Visit:š Your Local State Bar

Is the debt still within your state’s statute for collection? Statute of Limitations š

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