Complaint Review: ACA Recovery/ Norman G. Kalina ESQ - Ridgewood New Jersey

ok this goes out to the dummy who had the d*mn nerve to complain about the collection agency that she owed money to and not truly look at herself and what she has done!

This goes out to the dummy who posts a rebuttal to a FOUR YEAR OLD REPORT.

first off your considered as a bad check writer and usually when you have written one bad check and turn
around not pay it for years to where you have ended up in the bad check system, i am pretty sure there is other bad checks lurking out there in your name,,,, !!!!!

This goes out to the dummy who doesn't use commas properly and doesn't know the difference between "your" and "you're" (you are) and is fond of run-on sentences.

in my book that is stealing............ and if you was such and honest person it would not have taken you years to pay for these items.

This goes out to the dummy who can't conjugate the past tense of "to be"  "you was" should be "you were."

you cant possibly look at the merchandise youve stole and walk around with your head high,

This goes out to the dummy who can't properly type "can"t" and has more conjugation issues:  "youve stole" should be "you've stolen" or "you have stolen."

Get the idea yet, Einstein?  LMAO!

ok this goes out to the dummy who had the d*mn nerve to complain about the collection agency that she owed money to and not truly look at herself and what she has done!!!!! first off your considered as a bad check writer and usually when you have written one bad check and turn around not pay it for years to where you have ended up in the bad check system, i am pretty sure there is other bad checks lurking out there in your name,,,, !!!!! you have walked into a store signed a paper check and walked out with merchandise you truly did not pay for.

in my book that is stealing............ and if you was such and honest person it would not have taken you years to pay for these items. you cant possibly look at the merchandise youve stole and walk around with your head high,,,, and really what kind of example are you teaching your child? to become a dead beat!!!! secondly your upset about it being with the collection agency!!!! but why ? it is your responsibility to to make good on a bad check with in three to five business days that the check has bounced. or at least contact the people whom you wrote the check out to and take care of it.

it is not the collection agency's fault ... its your own. what kills me with people is they write bad checks then not pay it and then years down the line, because it has affected something your trying to apply such as a credit card or buy a home or car and in order to do that must clear up past debts the you have the nerve to fix your face and complain about the extra fees. you cant write a bad check and turn around 5 or 8 years later expect to pay the same face amount.... that is crazy. your a bad check writer if you should be mad at anyone it should be yourself for making those choices in life. 

I read with absolute disgust Bill's comments towards Analisa's experience. You, Bill, are the one who should be ashamed of yourself. You don't know a damned thing about the young lady or her situation. I had a similar situation happen to me with the same debt collector..and to set the record straight: in my situation, I had the money in the bank to cover the check that I had written. The problem in my situation was that I had some fraudulent transactions go through my account at the time the check was written, which caused my account to go into an overdraft status. Also, during that time I lost my job. It wasn't my fault that the check bounced. Save for those fraudulent transactions, the check would have gone through. Also, what about someone whose checkbook stolen and their account is bled dry? You have a lot of nerve to chastise someone about their situation when you don't know a darn thing about it. I paid off my account with ACA Recovery and was told that within one week I would receive a letter stating that the account was paid in full. That was eight months ago and I still have not received it. I've also contacted Certegey, the company who insures checks and they told me that they have no record from ACA that the check was paid. To add insult to injury, I'm still getting letters, just like the one Analisa received,threatening me with legal action, even though the check was paid off in January!!! So unless you know for a fact about a situation, don't pass judgement.

Most merchants that hire these check recovery companies don't receive more than the principle owed IF that. In states like South Carolina, trebling or tripling of the amount owed within a very short window (30 days from date the check was written, NOT returned/dishonoured) plus the piling on of attorney and court "costs" are the common scam practice of these outfits. Dealing with the merchant themselves is often straight forward and the least expensive for everyone involved. Having to deal with these check recovery scam artists can be a complete nightmare. You make arrangements, then find out the "arrangement" was changed without your knowledge much less consent to repay the amount owed. When you try to inquire as to why, you're given the ole' "Pay what we SAY you owe or you go to jail" routine. When dealing with some out-of-control cubicle dweller you're forced to ask for a senior manager, they ALL out refuse to divulge the information, give you the name of the owner on the business license, or the name of the attorney they're threatening you with. In a case I had today, where a previous arrangement was not only changed, but denied even to have existed by an insolent twenty-something at a check recovery outfit in Greenville, SC, I called the merchant directly in North Carolina. The check liason person at this grocery chain was able to peek into the Greenville companie's system and SEE exactly what chronologically had transpired including "the original agreement". This person said this original agreement was acceptable to they, the client, and she would "urge" this recovery outfit to honor their original agreement. She did warn however that sometimes these companies "get mad" and try to prosecute anyway. I appreciated her assistance but reminded her that as their "collection agent", the behavior of their hired "hand" did nothnig to recover the grocery chains funds BUT also reflected in a very negative way on the grocery chain itself. The bank played a mickey mouse game dishonoring and holding LEGITIMATE deposits causing an overdraft situation. The banks multiple fees dominoed to the point, my "so-called" overdraft protection was absorbed by said fees. This caused them to send back checks, undocumented and documented written by me to merchants. 36 hours later, my account was closed with very little documentation from the bank. I am left to find out myself where the checks are being handled and the documentation I finally receiver is post marked to appear to be weeks older giving me merely a week or so to cure the problem per the letters date (BTW, none of these are certified letters proving delivery or origin). Some of these letters also include WRONG reference/case numbers. NOW, I'm dealing with these sheister's and their own form of debtor's prison threats. I have found solution in going around them and dealing with the merchant directly.

A LITTLE SENSITIVE ARE YA??? BY THE WAY, ONE SURFS FOR PORN NOT "SERF"!! I SEE WHY YOU & STEVE DEFEND EACH OTHER NOW!!! SO ANYHOW, IF YOU DONT WANT PEOPLE TO COMMENT ON YOUR SITUATION, YOU MIGHT WANT TO KEEP IT TO YOUSELF AS THIS IS A PUBLIC FORUM. BUT, YOUR PROLLY TOO BUSY STEALING FROM STORES & WATCHING OPRAH WITH STEVE & HIS WIFE FARON TO KNOW THAT!! YES STEVE, I SAID PROLLY...STEVE HATES THAT WORD.

SOUNDS LIKE YOU GOT A LITTLE DEFENSIVE!! WOW!! ALL THAT JUST FOR SOMEONE TELLING YOU TO MIND YOUR OWN BUSINESS AND THAT YOU CANT SPELL!! WHAT A CRY BABY!! AND AS FOR YOU CALLING ME A SCUM BAG YOU DONT EVEN KNOW WHO I AM SO THAT SHOWS ALOT OF IGNORANCE ON YOUR PART, MAYBE YOU SHOULD LIKE GO SERF FOR PORN OR SOMETHING BUT NO INSTEAD YOU ARE HARRASSING PEOPLE ABOUT SOMETHING YOU HAVE NO BUSINESS DOING!! I SUGGEST MAYBE FOR YOU TO MIND YOUR OWN d**n BUSINESS AND FIND SOMEONE ELSE TO HARASS AND OH YEAH GET A LIFE!!! CUZ OBVIOUSLY YOURS IS WAYYYY BORING TO BE LOOKING UP REPORTS ON RIPOFFREPORT.COM!! AND LEAVING YOUR ANNOYING COMMENTS THAT MAKE ABSOLUTLEY NO SENSE.. YOU DONT KNOW PEOPLES SITUATION JERKOFF!! I BET YOUR NOT MARRIED AND IF YOU ARE GOD BLESS YOUR WIFE!! CUZ YOU SOUND LIKE A REAL PIECE OF WORK!! ANYWAYS RETARD GROW UP..LEAVE ME ALONE.. AND OH YEAH FALL OFF THE FACE OF THE EARTH!! CUZ WE SURE IN THE HECK DONT NEED PEOPLE LIKE YOU!!! JERKOFF!!!

FROM Report: #304006 "You say that 'sewer service' is 'coomon practice' so 'get over it'. This proves you are a moron." LOOK FAMILIAR? BUT OF COURSE WHEN YOU MIS-SPELL ITS "very obvious that the mis-spelling you speak of on my part was an obvious typograhical error." SO LET ME GET THIS STRAIGHT, IF ANYONE ELSE MAKES AN "obvious typograhical error", THEY ARE FAIR GAME FOR A STEVE ATTACK, BUT POOR LITTLE STEVE-O CANT BE PICKED ON BECAUSE IT HURTS HIS PRECIOUS LITTLE FEELINGS? NOW FOR THE RECORD, WHEN STEVE DEFENDED HIS "typograhical error", NOTICE HE MIS-SPELLED TYPOGRAPHICAL. YOUR RIGHT STEVE, "why don't you at least learn how to spell before slamming others?" I DONT KNOW WHERE YOUR INFO COMES FROM BUT THIS IS WHERE I MADE MY RESPONSE FROM Writing or passing a fraudulent check to a Nevada-based merchant is covered by Nevada Revised Statutes. In Nevada, the maker of a bad check is presumed to have intent to defraud if the check is drawn on an account which does not exist, if he failed to pay the holder of the bad check the full amount due plus any handling charges within five (5) days after receiving notice that the check is dishonored, or if the notice of refusal of payment sent to the maker by registered or certified mail at an address printed or written on the check is returned because of non delivery; see Nevada Revised Statutes 205.132, 597.960, 205.130, et seq.) OK, MAYBE SHE WOULDNT GO TO JAIL, BUT I WOULD HAVE STILL USED THE LAW TO ENFORCE THE FRAUD. NOW FOR ANALISA "OBVIOUSLY YOU REPRESENT THE COMPANY OR YOURE A SCAM COMPANY JUST LIKE THEY ARE!! YOU HAVE THE NERVE TO POST A REBUTTAL ON MY REPORT..HOW DO YOU EVEN KNOW OF THE COMPANY??" WHY WOULD I HAVE TO REPRESENT THE COMPANY TO BE DISGUSTED THAT YOU HAD THE NERVE TO BOUNCE A CHECK, THEN GET MAD & MAKE A REPORT WHEN THEY PUT YOU IN COLLECTIONS...WHAT A SCUMBAG!! AS FAR AS MY REBUTTAL, TOO BAD IT HURTS TO HEAR WHAT A DIRTBALL YOU ARE FOR BEING SO DISHONEST. YOU SHOULD CARRY THIS POST IN YOUR PURSE SO YOU CAN SHOW IT TO MERCHANTS THAT YOU PLAN TO WRITE A CHECK TO. HAVE A GREAT DAY !! DIRTBALL

This is just another example of the uneducated responses you can expect from a debt collector. FYI...In NV...where the OP lives...a bad check must be in excess of $250 to be considered criminal. And, guess what else? Any merchant who wants to prosecute any bad check in the State of NV, MUST put it through the bad check program. This is the first step in the process. If this is not done, the law prevents any further action. Therefore, as the merchant, you couldn't put anyone in jail for that check. And, you really should learn how to spell too. Coming, NOT comming. Writing, NOT writting. Typical uneducated cubicle inhabitant. >>> "BillColl01" wrote: SHAME SHAME SHAME WHY DID YOU WRITE A BAD CHECK IN THE 1ST PLACE & LET IT GO FOR A YEAR WITH OUT EVEN PAYING TOWARDS IT? THEN YOU ARE SUSPICIOUS WHEN THEY TRY TO COLLECT IT. PEOPLE LIKE YOU ARE THE REASON THAT LESS & LESS PLACES ACCEPT CHECKS IN THE 1ST PLACE. IF I WAS THE BUSINESS OWNER, YOU WOULD HAVE BEEN SITTING IN A JAIL CELL WITHIN HOURS OF THE CHECK COMMING BACK. LATER YOU HAVE THE NERVE TO WHINE THAT YOU ARE UNEMPLOYED & WANT PAYMENTS ON IT! WRITTING A BAD CHECK IS THE SAME AS STEALING! THE ONLY RIP OFF HERE IS YOU. I HOPE IF YOU HAVE KIDS, YOU ARE TEACHING THEM BETTER THAN TO STEAL FROM STORES! Billcoll01 MESA, Arizona U.S.A. >>>

This is just another example of the uneducated responses you can expect from a debt collector. FYI...In NV...where the OP lives...a bad check must be in excess of $250 to be considered criminal. And, guess what else? Any merchant who wants to prosecute any bad check in the State of NV, MUST put it through the bad check program. This is the first step in the process. If this is not done, the law prevents any further action. Therefore, as the merchant, you couldn't put anyone in jail for that check. And, you really should learn how to spell too. Coming, NOT comming. Writing, NOT writting. Typical uneducated cubicle inhabitant. >>> "BillColl01" wrote: SHAME SHAME SHAME WHY DID YOU WRITE A BAD CHECK IN THE 1ST PLACE & LET IT GO FOR A YEAR WITH OUT EVEN PAYING TOWARDS IT? THEN YOU ARE SUSPICIOUS WHEN THEY TRY TO COLLECT IT. PEOPLE LIKE YOU ARE THE REASON THAT LESS & LESS PLACES ACCEPT CHECKS IN THE 1ST PLACE. IF I WAS THE BUSINESS OWNER, YOU WOULD HAVE BEEN SITTING IN A JAIL CELL WITHIN HOURS OF THE CHECK COMMING BACK. LATER YOU HAVE THE NERVE TO WHINE THAT YOU ARE UNEMPLOYED & WANT PAYMENTS ON IT! WRITTING A BAD CHECK IS THE SAME AS STEALING! THE ONLY RIP OFF HERE IS YOU. I HOPE IF YOU HAVE KIDS, YOU ARE TEACHING THEM BETTER THAN TO STEAL FROM STORES! Billcoll01 MESA, Arizona U.S.A. >>>

This is just another example of the uneducated responses you can expect from a debt collector. FYI...In NV...where the OP lives...a bad check must be in excess of $250 to be considered criminal. And, guess what else? Any merchant who wants to prosecute any bad check in the State of NV, MUST put it through the bad check program. This is the first step in the process. If this is not done, the law prevents any further action. Therefore, as the merchant, you couldn't put anyone in jail for that check. And, you really should learn how to spell too. Coming, NOT comming. Writing, NOT writting. Typical uneducated cubicle inhabitant. >>> "BillColl01" wrote: SHAME SHAME SHAME WHY DID YOU WRITE A BAD CHECK IN THE 1ST PLACE & LET IT GO FOR A YEAR WITH OUT EVEN PAYING TOWARDS IT? THEN YOU ARE SUSPICIOUS WHEN THEY TRY TO COLLECT IT. PEOPLE LIKE YOU ARE THE REASON THAT LESS & LESS PLACES ACCEPT CHECKS IN THE 1ST PLACE. IF I WAS THE BUSINESS OWNER, YOU WOULD HAVE BEEN SITTING IN A JAIL CELL WITHIN HOURS OF THE CHECK COMMING BACK. LATER YOU HAVE THE NERVE TO WHINE THAT YOU ARE UNEMPLOYED & WANT PAYMENTS ON IT! WRITTING A BAD CHECK IS THE SAME AS STEALING! THE ONLY RIP OFF HERE IS YOU. I HOPE IF YOU HAVE KIDS, YOU ARE TEACHING THEM BETTER THAN TO STEAL FROM STORES! Billcoll01 MESA, Arizona U.S.A. >>>

OBVIOUSLY YOU REPRESENT THE COMPANY OR YOURE A SCAM COMPANY JUST LIKE THEY ARE!! YOU HAVE THE NERVE TO POST A REBUTTAL ON MY REPORT..HOW DO YOU EVEN KNOW OF THE COMPANY?? I THINK YOU TOO MUCH TIME ON YOUR HANDS TO BE HARASSING PEOPLE WHO POST REPORTS ON HERE. I THINK YOU NEED TO GET A LIFE AND WORRY ABOUT YOUR OWN BUSINESS.. HAVE A GREAT DAY !! JERK

WHY DID YOU WRITE A BAD CHECK IN THE 1ST PLACE & LET IT GO FOR A YEAR WITH OUT EVEN PAYING TOWARDS IT? THEN YOU ARE SUSPICIOUS WHEN THEY TRY TO COLLECT IT. PEOPLE LIKE YOU ARE THE REASON THAT LESS & LESS PLACES ACCEPT CHECKS IN THE 1ST PLACE. IF I WAS THE BUSINESS OWNER, YOU WOULD HAVE BEEN SITTING IN A JAIL CELL WITHIN HOURS OF THE CHECK COMMING BACK. LATER YOU HAVE THE NERVE TO WHINE THAT YOU ARE UNEMPLOYED & WANT PAYMENTS ON IT! WRITTING A BAD CHECK IS THE SAME AS STEALING! THE ONLY RIP OFF HERE IS YOU. I HOPE IF YOU HAVE KIDS, YOU ARE TEACHING THEM BETTER THAN TO STEAL FROM STORES!