Complaint Review: NELSON WATSON & ASSOC - HAVERHILL Massachusetts

Tina: read this and file a complaint with the FTC.gov website. Good luck. Stay off the phone. File with your state attorney also. The BBB is worthless. nathan The FTC went after these Mobster..... Extortionists in 2004. If enough victims file complaints. They will do it again. The information below speaks for its self. Type of Release: December 8, 2004 FTC Asks Court to Halt Illegal CAMCO Operation Company Uses Threats, Lies, and Intimidation to Collect Debts Consumers Do Not Owe In the face of more than 2,000 consumer complaints, the FTC has asked a U.S. District court to order a halt to the harassing, intimidating, deceptive, and illegal debt collection' practices of Capital Acquisitions & Management (CAMCO). At the agency's request, the court has frozen the assets of the company and its principals and appointed a receiver to oversee the corporate records and assets, pending trial. The FTC will seek a permanent halt to the illegal threats and lies the defendants use to attempt to collect time-barred debts debts so old that they are beyond the statute of limitations, and cannot appear on credit reports and debts consumers never incurred and did not owe. In March 2004, the FTC charged that CAMCO, RM Financial, and their principals were threatening and harassing thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe. The agency alleged that their abusive and deceptive collection practices violated federal law, including the Fair Debt Collection Practices Act. The companies and individuals paid a $300,000 civil penalty to settle the FTC charges, and were barred from engaging in abusive, deceptive, and illegal collection practices in the future. In the eight months since that settlement, the FTC has received more than 2,000 consumer complaints about CAMCO's illegal tactics three times more than the agency received in the two years before the settlement. In papers filed with the court, the agency charged that as much as 80 percent of the money CAMCO collects comes from consumers who never owed the original debt in the first place. Many consumers pay the money to get CAMCO to stop threatening and harassing them, their families, their friends, and their co-workers. According to the FTC, CAMCO buys old debt lists that frequently contain no documentation about the original debt and in many cases no Social Security Number for the original debtor. CAMCO makes efforts to find people with the same name in the same geographic area and tries to collect the debt from them whether or not they are the actual debtor. In papers filed with the court, the FTC alleges that CAMCO agents told consumers even consumers who never owed the money that they were legally obligated to pay. They told consumers that if they did not pay, CAMCO could have them arrested and jailed, seize their property, garnish their wages, and ruin their credit. All of those threats were false, according to the FTC. According to the FTC, grossly abusive behavior, including shouting and profanity, are commonplace tactics with CAMCO. Collectors told consumers: We're going to hound you til the day you die We will continue to hunt you;and We'll get you one way or another. CAMCO collectors also ignored restrictions on who and when they could call. The FTC suit asks the court to order a permanent bar on the operation's illegal activities and order redress for consumers. In addition to CAMCO, the complaint names RM Financial Services, Inc., Capital Properties Holdings, Inc., Caribbean Asset Management, Ltd., Reese Waugh, Jerome Kuebler, Eric Woldoff, George Othon, and Jeffrey Garrington. CAMCO's offices are located in Rockford and Schaumberg, Illinois. RM Financial is based in Marietta, Georgia. Caribbean Asset Management is based in Montego Bay, Jamaica. The Commission vote to authorize staff to file the complaint was 5-0. The complaint was filed in the U.S. District Court for the Northern District of Illinois Eastern Division, in Chicago, Illinois. NOTE: The Commission files a complaint when it has reason to believe that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court. Copies of the complaint and legal documents related to an earlier settlement with CAMCO and individual defendants are available from the FTC's Web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint in English or Spanish (bilingual counselors are available to take complaints), or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Media Contact: Claudia Bourne Farrell Office of Public Affairs 202-326-2181 Staff Contact: Steven Baker or David O'Toole Midwest Region 312-960-5634 E-mail this News Release If you send this link to someone else, the FTC will not collect any personal information about you or the recipient. Related Documents:Federal Trade Commission, Plaintiff, v. Capital Acquisitions and Management Corp., a corporation; RM Financial Services, Inc., a corporation; Reese Waugh, individually and as an officer Of Capital Acquisitions and Management Corp. and RM Financial Services, Inc. Jerome Kuebler, individually and as an officer of Capital Acquisitions and Management Corp.; Scott R. Franson, individually and as an owner and manager of Capital Acquisitions And Management Corp.; and Mario Bianchi, Individually and as a manager of Capital Acquisition & Management Company, defendants., United States District Court for the Northern District of Illinois, Western Division, Case No. 04C50 147

Tina: read this and file a complaint with the FTC.gov website. Good luck. Stay off the phone. File with your state attorney also. The BBB is worthless. nathan The FTC went after these Mobster..... Extortionists in 2004. If enough victims file complaints. They will do it again. The information below speaks for its self. Type of Release: December 8, 2004 FTC Asks Court to Halt Illegal CAMCO Operation Company Uses Threats, Lies, and Intimidation to Collect Debts Consumers Do Not Owe In the face of more than 2,000 consumer complaints, the FTC has asked a U.S. District court to order a halt to the harassing, intimidating, deceptive, and illegal debt collection' practices of Capital Acquisitions & Management (CAMCO). At the agency's request, the court has frozen the assets of the company and its principals and appointed a receiver to oversee the corporate records and assets, pending trial. The FTC will seek a permanent halt to the illegal threats and lies the defendants use to attempt to collect time-barred debts debts so old that they are beyond the statute of limitations, and cannot appear on credit reports and debts consumers never incurred and did not owe. In March 2004, the FTC charged that CAMCO, RM Financial, and their principals were threatening and harassing thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe. The agency alleged that their abusive and deceptive collection practices violated federal law, including the Fair Debt Collection Practices Act. The companies and individuals paid a $300,000 civil penalty to settle the FTC charges, and were barred from engaging in abusive, deceptive, and illegal collection practices in the future. In the eight months since that settlement, the FTC has received more than 2,000 consumer complaints about CAMCO's illegal tactics three times more than the agency received in the two years before the settlement. In papers filed with the court, the agency charged that as much as 80 percent of the money CAMCO collects comes from consumers who never owed the original debt in the first place. Many consumers pay the money to get CAMCO to stop threatening and harassing them, their families, their friends, and their co-workers. According to the FTC, CAMCO buys old debt lists that frequently contain no documentation about the original debt and in many cases no Social Security Number for the original debtor. CAMCO makes efforts to find people with the same name in the same geographic area and tries to collect the debt from them whether or not they are the actual debtor. In papers filed with the court, the FTC alleges that CAMCO agents told consumers even consumers who never owed the money that they were legally obligated to pay. They told consumers that if they did not pay, CAMCO could have them arrested and jailed, seize their property, garnish their wages, and ruin their credit. All of those threats were false, according to the FTC. According to the FTC, grossly abusive behavior, including shouting and profanity, are commonplace tactics with CAMCO. Collectors told consumers: We're going to hound you til the day you die We will continue to hunt you;and We'll get you one way or another. CAMCO collectors also ignored restrictions on who and when they could call. The FTC suit asks the court to order a permanent bar on the operation's illegal activities and order redress for consumers. In addition to CAMCO, the complaint names RM Financial Services, Inc., Capital Properties Holdings, Inc., Caribbean Asset Management, Ltd., Reese Waugh, Jerome Kuebler, Eric Woldoff, George Othon, and Jeffrey Garrington. CAMCO's offices are located in Rockford and Schaumberg, Illinois. RM Financial is based in Marietta, Georgia. Caribbean Asset Management is based in Montego Bay, Jamaica. The Commission vote to authorize staff to file the complaint was 5-0. The complaint was filed in the U.S. District Court for the Northern District of Illinois Eastern Division, in Chicago, Illinois. NOTE: The Commission files a complaint when it has reason to believe that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court. Copies of the complaint and legal documents related to an earlier settlement with CAMCO and individual defendants are available from the FTC's Web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint in English or Spanish (bilingual counselors are available to take complaints), or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Media Contact: Claudia Bourne Farrell Office of Public Affairs 202-326-2181 Staff Contact: Steven Baker or David O'Toole Midwest Region 312-960-5634 E-mail this News Release If you send this link to someone else, the FTC will not collect any personal information about you or the recipient. Related Documents:Federal Trade Commission, Plaintiff, v. Capital Acquisitions and Management Corp., a corporation; RM Financial Services, Inc., a corporation; Reese Waugh, individually and as an officer Of Capital Acquisitions and Management Corp. and RM Financial Services, Inc. Jerome Kuebler, individually and as an officer of Capital Acquisitions and Management Corp.; Scott R. Franson, individually and as an owner and manager of Capital Acquisitions And Management Corp.; and Mario Bianchi, Individually and as a manager of Capital Acquisition & Management Company, defendants., United States District Court for the Northern District of Illinois, Western Division, Case No. 04C50 147

Tina: read this and file a complaint with the FTC.gov website. Good luck. Stay off the phone. File with your state attorney also. The BBB is worthless. nathan The FTC went after these Mobster..... Extortionists in 2004. If enough victims file complaints. They will do it again. The information below speaks for its self. Type of Release: December 8, 2004 FTC Asks Court to Halt Illegal CAMCO Operation Company Uses Threats, Lies, and Intimidation to Collect Debts Consumers Do Not Owe In the face of more than 2,000 consumer complaints, the FTC has asked a U.S. District court to order a halt to the harassing, intimidating, deceptive, and illegal debt collection' practices of Capital Acquisitions & Management (CAMCO). At the agency's request, the court has frozen the assets of the company and its principals and appointed a receiver to oversee the corporate records and assets, pending trial. The FTC will seek a permanent halt to the illegal threats and lies the defendants use to attempt to collect time-barred debts debts so old that they are beyond the statute of limitations, and cannot appear on credit reports and debts consumers never incurred and did not owe. In March 2004, the FTC charged that CAMCO, RM Financial, and their principals were threatening and harassing thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe. The agency alleged that their abusive and deceptive collection practices violated federal law, including the Fair Debt Collection Practices Act. The companies and individuals paid a $300,000 civil penalty to settle the FTC charges, and were barred from engaging in abusive, deceptive, and illegal collection practices in the future. In the eight months since that settlement, the FTC has received more than 2,000 consumer complaints about CAMCO's illegal tactics three times more than the agency received in the two years before the settlement. In papers filed with the court, the agency charged that as much as 80 percent of the money CAMCO collects comes from consumers who never owed the original debt in the first place. Many consumers pay the money to get CAMCO to stop threatening and harassing them, their families, their friends, and their co-workers. According to the FTC, CAMCO buys old debt lists that frequently contain no documentation about the original debt and in many cases no Social Security Number for the original debtor. CAMCO makes efforts to find people with the same name in the same geographic area and tries to collect the debt from them whether or not they are the actual debtor. In papers filed with the court, the FTC alleges that CAMCO agents told consumers even consumers who never owed the money that they were legally obligated to pay. They told consumers that if they did not pay, CAMCO could have them arrested and jailed, seize their property, garnish their wages, and ruin their credit. All of those threats were false, according to the FTC. According to the FTC, grossly abusive behavior, including shouting and profanity, are commonplace tactics with CAMCO. Collectors told consumers: We're going to hound you til the day you die We will continue to hunt you;and We'll get you one way or another. CAMCO collectors also ignored restrictions on who and when they could call. The FTC suit asks the court to order a permanent bar on the operation's illegal activities and order redress for consumers. In addition to CAMCO, the complaint names RM Financial Services, Inc., Capital Properties Holdings, Inc., Caribbean Asset Management, Ltd., Reese Waugh, Jerome Kuebler, Eric Woldoff, George Othon, and Jeffrey Garrington. CAMCO's offices are located in Rockford and Schaumberg, Illinois. RM Financial is based in Marietta, Georgia. Caribbean Asset Management is based in Montego Bay, Jamaica. The Commission vote to authorize staff to file the complaint was 5-0. The complaint was filed in the U.S. District Court for the Northern District of Illinois Eastern Division, in Chicago, Illinois. NOTE: The Commission files a complaint when it has reason to believe that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court. Copies of the complaint and legal documents related to an earlier settlement with CAMCO and individual defendants are available from the FTC's Web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint in English or Spanish (bilingual counselors are available to take complaints), or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Media Contact: Claudia Bourne Farrell Office of Public Affairs 202-326-2181 Staff Contact: Steven Baker or David O'Toole Midwest Region 312-960-5634 E-mail this News Release If you send this link to someone else, the FTC will not collect any personal information about you or the recipient. Related Documents:Federal Trade Commission, Plaintiff, v. Capital Acquisitions and Management Corp., a corporation; RM Financial Services, Inc., a corporation; Reese Waugh, individually and as an officer Of Capital Acquisitions and Management Corp. and RM Financial Services, Inc. Jerome Kuebler, individually and as an officer of Capital Acquisitions and Management Corp.; Scott R. Franson, individually and as an owner and manager of Capital Acquisitions And Management Corp.; and Mario Bianchi, Individually and as a manager of Capital Acquisition & Management Company, defendants., United States District Court for the Northern District of Illinois, Western Division, Case No. 04C50 147

Tina: read this and file a complaint with the FTC.gov website. Good luck. Stay off the phone. File with your state attorney also. The BBB is worthless. nathan The FTC went after these Mobster..... Extortionists in 2004. If enough victims file complaints. They will do it again. The information below speaks for its self. Type of Release: December 8, 2004 FTC Asks Court to Halt Illegal CAMCO Operation Company Uses Threats, Lies, and Intimidation to Collect Debts Consumers Do Not Owe In the face of more than 2,000 consumer complaints, the FTC has asked a U.S. District court to order a halt to the harassing, intimidating, deceptive, and illegal debt collection' practices of Capital Acquisitions & Management (CAMCO). At the agency's request, the court has frozen the assets of the company and its principals and appointed a receiver to oversee the corporate records and assets, pending trial. The FTC will seek a permanent halt to the illegal threats and lies the defendants use to attempt to collect time-barred debts debts so old that they are beyond the statute of limitations, and cannot appear on credit reports and debts consumers never incurred and did not owe. In March 2004, the FTC charged that CAMCO, RM Financial, and their principals were threatening and harassing thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe. The agency alleged that their abusive and deceptive collection practices violated federal law, including the Fair Debt Collection Practices Act. The companies and individuals paid a $300,000 civil penalty to settle the FTC charges, and were barred from engaging in abusive, deceptive, and illegal collection practices in the future. In the eight months since that settlement, the FTC has received more than 2,000 consumer complaints about CAMCO's illegal tactics three times more than the agency received in the two years before the settlement. In papers filed with the court, the agency charged that as much as 80 percent of the money CAMCO collects comes from consumers who never owed the original debt in the first place. Many consumers pay the money to get CAMCO to stop threatening and harassing them, their families, their friends, and their co-workers. According to the FTC, CAMCO buys old debt lists that frequently contain no documentation about the original debt and in many cases no Social Security Number for the original debtor. CAMCO makes efforts to find people with the same name in the same geographic area and tries to collect the debt from them whether or not they are the actual debtor. In papers filed with the court, the FTC alleges that CAMCO agents told consumers even consumers who never owed the money that they were legally obligated to pay. They told consumers that if they did not pay, CAMCO could have them arrested and jailed, seize their property, garnish their wages, and ruin their credit. All of those threats were false, according to the FTC. According to the FTC, grossly abusive behavior, including shouting and profanity, are commonplace tactics with CAMCO. Collectors told consumers: We're going to hound you til the day you die We will continue to hunt you;and We'll get you one way or another. CAMCO collectors also ignored restrictions on who and when they could call. The FTC suit asks the court to order a permanent bar on the operation's illegal activities and order redress for consumers. In addition to CAMCO, the complaint names RM Financial Services, Inc., Capital Properties Holdings, Inc., Caribbean Asset Management, Ltd., Reese Waugh, Jerome Kuebler, Eric Woldoff, George Othon, and Jeffrey Garrington. CAMCO's offices are located in Rockford and Schaumberg, Illinois. RM Financial is based in Marietta, Georgia. Caribbean Asset Management is based in Montego Bay, Jamaica. The Commission vote to authorize staff to file the complaint was 5-0. The complaint was filed in the U.S. District Court for the Northern District of Illinois Eastern Division, in Chicago, Illinois. NOTE: The Commission files a complaint when it has reason to believe that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court. Copies of the complaint and legal documents related to an earlier settlement with CAMCO and individual defendants are available from the FTC's Web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint in English or Spanish (bilingual counselors are available to take complaints), or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Media Contact: Claudia Bourne Farrell Office of Public Affairs 202-326-2181 Staff Contact: Steven Baker or David O'Toole Midwest Region 312-960-5634 E-mail this News Release If you send this link to someone else, the FTC will not collect any personal information about you or the recipient. Related Documents:Federal Trade Commission, Plaintiff, v. Capital Acquisitions and Management Corp., a corporation; RM Financial Services, Inc., a corporation; Reese Waugh, individually and as an officer Of Capital Acquisitions and Management Corp. and RM Financial Services, Inc. Jerome Kuebler, individually and as an officer of Capital Acquisitions and Management Corp.; Scott R. Franson, individually and as an owner and manager of Capital Acquisitions And Management Corp.; and Mario Bianchi, Individually and as a manager of Capital Acquisition & Management Company, defendants., United States District Court for the Northern District of Illinois, Western Division, Case No. 04C50 147

Ok. I am fighting these goons! I was contacted my a Frederick J. Hanna & Associates on behalf of LVNV 2 years ago for a Sears account from 1993! I sent letters asking for verification, never got anything. Long story short, I did internet reseach and found all kinds of suits against both companies. Frederick J. Hanna & Associates began leaving messages at my work threatening garnishment etc. That alone is illegal! Read The Fair Credit Reporting Act www.ftc.gov/os/statutes/fcra.htm I found an attorney via website www.buddhibbs.com (check it out, he cracks these illegal collections to pieces! Awesome man!!) Check Agency Watchlist and Agencies to Avoid. WOW!!!!! In the meantime I got a summons and stepped up my game! With advise from Budd Hibbs website, found an attorney to take my case for $300! We got a Dismissal w/prejudice which gave Frederick J. Hanna and LVNV 6 months to totally prove the debt, the amount etc.....of course, they NEVER did so as of 11/17/06.......the case was supposed to be over. Nope! In January of 2007 I received a letter from a group called Financial Recovery Services, Inc. based out of Minneapolis, MN. It referenced LVNV/Sears. Knowing I had a signed Dismissa (signed in a court of law by a JUDGE) and letter from my attorney I called this Financial Recovery Services and spoke to a Ms. Waldrum and she told me to fax her the copy of the Dismissal and letter from my attorney. I did and NEVER, heard another word from them. I also by copy sent a letter to LVNV "reminding" them that my case was dismissed and they were no longer to make any collection attempts. I ran my credit report July 2007 and low and behold LVNV is showing a "newly reported" collections against me dated 6/2007 (last updated)!!!!!! I contacted the attorney and we're going after them NOW for the counterclaim and as his letter stated before "we will vigorously pursue a defense and very strong FDCPA counterclaim". So FIGHT, FIGHT, FIGHT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

7/8/03- rec call from Capital Aquistions telling me I owed $3871.64 for an unpaid Norwest Visa card dating back to Jan 1989. Norwest was bought by Wells Fargo in 1993. I called Wells Fargo and they couldn't find an upaid, delinquent, chargeoff etc with my SSN dating back to 1980. I filed a complaint with Better Business in IL and Attorney General's office in Il ( Capital Aquisitions) received a letter from Capital in Sept 03, stating they were suspending collection efforts and were contacting all 3 credit bureaus to remove their reports from my records. In 2005, the same debt surfaced with LVNV Funding, I went thru the same nonsense with them. Now I get a letter from Nelson, Watson & Assoc for the same debt only now it's up to $7883.76 (interest) with LVNV Funding listed as creditor on record. I called them and tried to explain what I have been going thru since 2003, I was told "be quiet and listen, I'm a deadbeat and I have 14 business days to pay this debt or they will garnishee my wages and put a lien on my home". I hung up and filed a complaint with the Better Business B in MA and the Attorney Generals Office in MA, which is where Nelson, Watson & Assoc office is located- I have also contacted all 3 credit reporting agencies