The phone rings and you let it go on voice mail! When you retreive your message it goes something like this! A business voiced fast talking woman says she is calling from the firm of Lieberman, Michaels and Kelly. She says they are handling three separate actions against your social security number and drivers license and it is imperative that you return the call so they can take a statement from you to prevent papers from being filed! They want you to assume that they are a law firm. They are not! When you call back the voice directory says they are a "legal outsourcing company." They are, in fact a third party junk debt buyer that specializes in defaulted payday loans most of which are from unlicensed lenders and are non colllectable in most states. .

You dial the extension and a collector answers and informs you that you have three actions against you for defrauding a financial institution, passing a bad check and another one that is spoken so quickly you can't understand it! He says he is there to help you work this out! If you inform this person that you need a validation in writing or have an attorney and are exercising your rights under the FDCPA, (Fair Debt Collection Practices Act) he will tell you that they are not bound by the FDCPA as they are not a third party collector. A quick search on Google will prove differently! They were running an ad for "experienced collectors for a new company in Buffalo." Buffalo NY is a breeding ground for dumpster diving collectors! Two agencies were just shut down there by the police and the owner of one, a convicted felon, was arrested on gun charges. I am sure that Lieberman Michaels and Kelly had no difficulty finding out of work thugs from those places.

The more you resist the agression of the collector the more aggressive he gets until you hang up! He will then call back over and over to intimidate you and, in one case, told a person that there is a legal draft with the bank and papers would be filed within 24 hours and under the law their drivers license would be suspended if they did not respond in 24 hours and face possible jail time. This person had their attorney call the company and informed them of multple violations of Federal and State Laws. The action is still pending at the time of this publication. This clown was dumb enough to leave a voice mail! I thought the ad said "experienced."

A collector may not threaten you with a lawsuit that they have no intention of filing!

A collector must mail a validation within 5 days of first contact and cease all collection attempts while waiting for a reply for 30 days.

A collector may not threaten you with arrest or penalties that cannot be applied.

A collector may not call you repeatedly in an attempt to harass! 

If you should be contacted by this company, who thinks changing their descripition will enable them to skirt the law, and they resort to threats of this type, ask for a validation letter say good by and keep a record of everyhing they say or do! Then report them to the NY State Attorney General and the FTC and the police in Buffalo N.Y. You do have rights and do not let any bottom feeder tell you that you do not! Especially Lieberman, Michael and Kelly, the great deceivers