Complaint Review: Check Restitution Services.inc - Buffalo New York

I read and saw your reference. Their agent is from NYC and they registered 11/20/08. Doesn't mean crap. The owner still needs to answer my questions to gain any degree of integrity in the collections industry including COPC certification. If this gentleman is to be taken seriously, he should use spellcheck since he is the "face" of a company in which he refuses to disclose the questions I requested to be answered. Way to protect your fellow businessmen Robert. Off the beaten path Robert. There is a consumer defense attorney that starts with an H and ends with an R in this local area. A guy who consulted with him for issues with a creditor was given promises by this "attorney to remain anonymous" that he saw a 5 figured suit in his favor. That was what he promised. 6 months later, he kept dragging his feet telling this guy that he thought he still had a case. A few months later (9 months or so), he told this guy he wasn't willing to move forward. Consumers only have 365 days (1 year) to sue on any FDCPA violation without it being thrown out for being beyond the stats.This gave my buddy a mere 3 months to sue or lose due to stats. I told him if he had tapes saved to negotiate with the agency's compliance director. Go after them ASAP.He did and got paid. Could of done that 9 months earlier. There are plenty of competent consumer defense attorneys in this country. However, the one here is an arrogant ambulence chaser who decides his degree of effort as soon as he sees his client's face in consultation.

They are registered with the NY State Secretary of State. They registered with the SOS in November, 2008. The registration, including their agent is available on line at the NYS SOS website.

I just googled your company name,toll free number and address and NOTHING came up. I checked switchboard.com , Dun & Bradstreet and Better Business Bureau. The fact that you PUBLICLY described the termination of an ex employee (aren't HR issues supposed to be confidential?) instead of giving SPECIFIC reasons as to why you are a legit company raises MANY red flags.Once again, Why do you not collect in state (New York) accounts? Are you licensed to collect in New York State? Did you lose your license to collect in New York State? What states are you licensed to collect in? What creditors do you collect for? Why do you not have any company website?What's your business entity tax code number? If you are going to publicly mention reasons for an ex employee's termination, you should just as easily be willing to take accountability in explaining WHO YOU ARE as a business Mr. Check Restitution Services !

Check Restitution Systems sounds like a name of a company that collects on bank overdrafts (NSF's). Why do you not call in state (New York) debtors? Are you not licensed? Did you lose your license to collect on New York State debtors? What states are you licensed to collect from debtors on? Thank you for your anticipated response.

This "Story" or report has been made by an x employee (Herb12??????? will not mention his real name). This individual was terminated due to the fact that he would not do any work because we would not let him break the laws that govern the collections industry. This X employee wanted to use a tool called Spoof (which is HIGHLY illegal..not to mention he stole it from another collection agency), we explained to him several times that it is not to be used while working for our company. If this individual had a clue what was going on, (HERB12....self explanatory) he would have made a complaint from another state because we dont even work any accounts in the state of New York. The whole "scam" comment that was made.....we are a legitimate company that has all PROPER and LEGAL DOCUMENTS needed to do business. Not to mention our job is to help people and there has not been one complaint filed by an actual client...so if that tells you anything. We treat each and every client with Respect and try to help them to the best of our ability. And for the record, our phone calls are recorded and monitored by a compliance department and its illegal for us to take more money than what the client has approved (which again is recorded and monitored). (The mentioning of an attorney which name will not be mentioned by us because not only is he NOT involved with our company but the alligations made were false)

With all due respect Herb12, use spellcheck if and when you take a proactive stance in anything you send in writing to a 3rd party agency or law firm.Run on sentences and misspellings will not help your cause. Below is your arsenal to use against ALL debt collectors including law firms.I'm not an attorney, just a consumer advocate who knows the collections industry very well. No words need to be spoken to the creditor or any 3rd party agency. Stay off the phone! Simply send a dispute and request for validation letter regardless of the size or nature of the debt in question.Make sure you say 'alleged claim', never admit in your validation request letter. Needs to be mailed WITHIN 30 days of date on initial dunning letter and always send it certified mail return receipt requested. As I said on other posts, whenever you pay a 3rd party agency, it gets credit reported as a 'paid charged off collections account' for an ADDITIONAL 6 years!That LOWERS your credit score and REAGES the debt for an extra 6 years as a derrogatory remark on your CBR. If you dispute within the initial 30 days governed by the FDCPA, 3rd party agencies CANNOT credit report the account. It will show as a DISPUTE which doesn't lower your score. Most likely the agency can't or won't bother trying to validate so it will show as a dispute. Consumers have NO INCENTIVE to pay a collections account. #1) The debt is reaged for an additional 6 years on your CBR as a derrogatory paid collections account. #2) When Equifax,Experian and Transunion no longer ding your 3 digit FICO score (roughly 350 to 850) for paying an old debt (reaging) but instead improve consumers scores by paying an old debt, I may change my tune on not paying a collections account. Again, lenders only care about your credit score (FICO) and income. Not 'morals.' Lastly, bill collectors NEVER tell a consumer/debtor that paying them will add 6 years as 'paid collections account' on CBR. They would never get paid if they did! Chargeoffs fall off after 6 years of chargeoff date OR last payment. If it's a small debt well under $1000, it will hardly ever see the inside of a court room. Just keep requesting validation from agency to agency to keep it reported as 'in dispute' on CBR within that initial 30 day window governed by the FDCPA upon receipt of first dunning letter. If they report it without validating upon receipt of your letter within 30 days, they are in violation of the Fair Credit Reporting Act. Naturally you can go after them in court for damages at that point. The green card returned to you after they sign off on, you can use as proof they acted in bad faith despite signing off on your validation notice certified mail return receipt requested within the 30 day window. Now lets say they successfully validate and take you to court. I'm not an attorney either. 1) In answering your summons and plaintiff/creditor questions, DENY EVERYTHING. The burden of proof is on them, not you.It's called GENERAL DENIAL. 2) File a notorized typed sworn denial letter with your courthouse clerk when answering a summons. Sign it when you give the letter to the clerk to notorize. Send a copy and all other paperwork certified mail return receipt requested to the plaintiffs attorney as well. The sworn denial statement is as followed. 'I deny this is my debt and if it is my debt, I deny that this is still a valid debt and if it is still a valid debt, I deny the amount of the plaintiffs claim is correct.' This ELIMINATES the plaintiffs sworn affidavit and forces the plaintiff to produce a live witness. 3) Demand Discovery and production of documents and requests for admissions. Specifics can be found in The Rules of Civil Procedure. The idea is to demand authentic paperwork from date the alleged debt was opened to every creditor who has been assigned and/or purchased the alleged debt. The idea is to break the plaintiff/creditors 'chain of custody'. Unless a creditor/plaintiff has immaculate record keeping from start to finish and doesn't mind racking up thousands in legal fees flying in live witnesses from every creditor who owned the alleged debt, the chances of your case being dismissed are much better. Attack their credibility in request for admissions as well. Make the judge see they are known violators of the FDCPA and FCRA to further attack the plaintiff/creditors credibility.Attack the live witnesses job description,whether they had knowledge of your alleged account at the time they owned it, if you had a signed contract with the creditor,etc. Again ,specifics are in The Rules of Civil Procedure.

I would report this to your bank as a fraud . I would also dispute this and then close the account and reopen with new #s . I would get Law enforcement involved if this scumbag took alot of money from your account. I would give the police thier phone # and find out were this person lives.