Complaint Review: Rubin And Rothman

WOW, are you off base.... Where in the world did you get that information?
To the OP - ignore this guy. He obviously knows nothing about credit and debt management, SOLs, legal approaches to bottom-feeding collection agencies, and life in general.

First off my information WAS NOT BAD. Debts dont just go away. If this was true than I could get a credit card, run up $20,000 in debt, not pay and in 10 years get away with not paying it back. That sounds absolutely stupid. Next, there is no statute of limitations of debts. If this was true than my credit card debt from 1993 would be off my credit report already. ITS STILL THERE. As far as dealing with them in writing only thats just plain out dumb. If this should happen than why do they call the debtor rather than writing them a letter. Next, to you saying that debts dont stay on your credit report for 50 years THATS WRONG. If you owe a debt and dont pay it back, it will go on your credit for 7 years. If its not paid after that they will put it on your credit report for another 7 years and so on until its paid off. Now it looks like YOU dont know what your talking about. I am not some kid but a 52 year old man who had money problems in recent years. I would HIGHLY suggest you not say anything unless you can prove it.

"they will make the debt your children's problem."

This can not happen legally unless a siblings name was somehow on the original alleged credit. The estate of the parent would be responsible upon death until that is exhausted.
A judgment by a court of law must be entered in order for an asset to be frozen.
I think SOL in NJ is 10 years.
A person can record a phone conversation without notifying the second party in NJ. I would think it would be admissible since this is the case.

Hidden,

The FIRST rule when dealing with ANY debt collector, is to stay off the phone. There are no exceptions to this. Everything must be done in writing and by certified mail, return reciept requested. Advising people to record conversations is very bad advice as that recording would never make it into evidence.

Now, the BIGGIE of bad information:

You wrote>>
..."If they dont unfreeze it, than I would call back and either make a payment arrangement, or pay the debt off. As far as a 6 year rule, thats not true. Debt's just dont go away. They can stay on your credit report for 50 years and when you pass away, they will make the debt your children's problem"....

Hidden - Private, New Jersey
U.S.A.
>>>

First of all, debts DO just go away! It is called statute of limitations! Each state has their own SOL on how long a debt can be legally collected.

Second, Nothing can stay on your credit report for 50 years! The MAXIMUM time for any negative excepy BK, tax liens and some judgements is 7 years.

Third, NEVER pay a debt that is in dispute and/or uncollectable. This WILL NOT get it off your credit report as you suggest. And, making an agreement to pay will affirm the debt and also reset the SOL.

It's nice to actually know what you are talking about before giving advice. You sound like a very young and naive person who is most likely a new debt collector.

First let me say that I have not disclosed my name and location because I'm crazy but rather I have an account with Rubin and Rothman and dont want them to find out who I am. After reading all the complaints, all the comments, and dealing with Rubin and Rothman about a debt I owe, my best advice is to hire an attorney and sue them. They can't just freeze you account because they feel like it. They NEED a judge to sign something that allows them to freeze it. I would call them[RECORD THE CONVERSATION. GET EVERYTHING YOU AND THEY SAY ON TAPE] telling them that they have to get a judge to sign allowing them to freeze your account and that you want your account unfrozen or you'll sue. If they dont unfreeze it, than I would call back and either make a payment arrangement, or pay the debt off. As far as a 6 year rule, thats not true. Debt's just dont go away. They can stay on your credit report for 50 years and when you pass away, they will make the debt your children's problem.

First of all J is correct. No lawyer or debt collector can "freeze" your account without a signature from a judge. And, the only way they can get this is to sue you and then get a judgement, and then get a garnishment order.

Here is the common scam that is played. These bottomfeeders "serve" a known old address of yours so they know you will not actually get the summons. They when you fail to appear, they get a default judgement. Then the garnishment order is easy.

Here is what you must do immediately. Get every piece of paper filed with the court and with your bank. I can guarantee they falsified something.

File a BAR ASSOCIATION complaint against the "lawyer" involved as well as an ftc complaint against both parties which can be filed online.

If they did falsify any document filed with the court, this is a criminal offense in every state I know of, and you should seek prosecution.

Now, with all of the legwork done, IMMEDIATELY hire a lawyer to get the judgement vacated, and to sue for damages.

Good luck.

States are different in the way a bank account can be frozen, you have to have a judgement against you and they have to inform you of your right to a hearing.

I really don't understand how a bank account can be frozen, before you had a hearing, they haven't proved that the debt is owed

Try contacting legal aid in New York, or an attorney generally the first visit is free.

If you have a copy of that letter you send them, make sure if you get in front of a judge he's made aware of it.

Also file a bar assoc complaint against these attorney, and include a copy of that letter also, that you attempted to have them validate the debt, there refuse and went ahead and froze your account instead.

Under the FDCPA all collection activity must stop when a debt is in dispute until they validate.

Collection lawyers are to follow the FDCPA and the FCRA.

good luck and sorry about you lady friend