Complaint Review: Sun Resolution Group - Wheatfield New York

I begain receiving calls from a number that appears as (772)919-7660 on my caller ID.  This is not a number that can be called back, by the way, but caller ID says it is in "Stuart, FL".

The man on the call identified himself as "Mr. James" and stated that there was a 'claim' against me and that by the laws of my county and the state, he is required to let me know that there are "charges and a claim" against me.  He is claiming that due to an unpaid internet payday loan through Plain Green, LLC, that they can "serve me" at my "residence or place of business".

They called me on my direct line at work first and got my voicemail.  4 minutes later, called back and reached me.  I told the man that I could not receive these types of calls at work and promptly ended the call.  He called me several times the same day on my cell phone, sometimes calling more than 2x's within 5 minutes or less. (This was on a Friday).

The following Monday, this same man called my place of employment again, but this time instead of ringing my direct line, he called the main number and asked to be transferred to me.  When I got the call, I once again informed him that I could not receive these types of calls at work and promptly disconnected the call.  He IMMEDIATELY dialed back through my company's main number and once again insisted on being transferred to me.  I answered the call and AGAIN told him I cannot receive these calls at work and let him know that it is a violation for him to continue to call my place of employment.

This same day (Monday 8/12/13), I called "Mr. James" back on my lunch hour and began to press him for information about his company and their location and the nature of their call.  I asked him to provide me with an address for correspondence (I planned on sending them a cease and desist letter, though this is not the terminology I used).  He initially told me that he COULD NOT provide me with an address.  When I continued to press for the location of the company, he placed me on hold at which point another man got on the lane and stated his name was "Jesse Boyd" and identified himself as the "Supervisor" or Mr. James.

I proceeded once again to press for information about this company at which time I was finally told that I could correspond with them at the following address:

Northern Resolution

2578 Niagra Falls Blvd - Suite 1

Wheatfield, NY 14304

I asked Jesse Boyd why I was being given a NY address when I had been given another company to correspond with to which he replied that this is their "parent company".  During this call with Jesse Boyd, I was told that because this was related to an internet payday loan and because I had used a "federal instrument" for the loan (a bank account) that I could be charged with "check fraud" over state lines.  He then advised me that if I did not settle this matter "voluntarily" and "behave like an adult" about it, that they would file charges on me and that they could get a "wage garnishment" which could be up to "25-30%" of my pay.  At this point, I advised Mr. Boyd that I live in Texas and in the state of Texas, the ONLY wage garnishment allowed was for Federally funded student loans, unpaid child support, and back taxes.  I also at this time advised Mr. Boyd that the actions of his underling, Mr. James were a violation of the Fair Debt Collection Practices Act to which he replied that, because they are a "Mediation Firm" and not a debt collector, that they are not subject to those laws.  I told him, if you are asking me to pay you money on a debt, then you are a debt collector.

At that time, I finally ended the call advising the man that I would do my own due diligence and investigate them thoroughly.  At that point, he stated that if he did not have an "arrangement" before the "end of business" that they would "move forward".  I told him politely, "Do what you need to do.  You have a job to do and I have research to do."

This company is not VIABLE per my attorney and therefore, good luck if you wish to sue them for violation of the Fair Debt Collection Practices Act.  I am in the process of filing complaints with the FTC as well as the BBB and the State's Attorney General here in Texas.  Additionally, I will be filing harassment charges with my local law enforcement and will continue to seek out a way to sue these folks for what they are trying to do.

I fortunately am very knowledable in these matters as I have had great success the past year suing 5 other unscrupulous bill collectors and I have WON them all.  Unfortunately, too many people do not know their rights and fall prey to these practices out of fear or ignorance.

Please, please, please do all you can to put these folks out of business!  I will continue my efforts, but from my research, it would appear the owner of this company is a crimnial pure and simple who has been sued and never pays the judgements against him and has even been subject to criminal charges in his business practices.