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Vang · Posted: Wed Aug 01, 2007 9:13 pm Subject:

I was thinking about paying this company because I've heard how some people have had wages garnished and they have shown up on their credit report. Should I pay any attention to this Marshall and Ziolkowski? They are frauds, but why are they able to accomplish what they have? And will it continue?

melissa E · Posted: Tue Aug 14, 2007 10:49 am Subject: Martain and Ziolkowski

Ie: The Law Firm of Marshall and Ziolkowski

On Thursday August the ninth I received my first call from Marshall and Ziolowski, They began the conversation by stating that Providian Visa is suing me. I was surprised because Providian Visa did not sound familiar to me. Come to find out. It was a credit card I applied for when I was 18 years old. It had a 300.00 limit, and apparently I never paid it off. This may have some merit of truth although I am not sure how much as I was not good at keeping records in my younger years. She went on to name call and accuse me of fraud. She said I defrauded the company and they were going to sue me for the worst kind of fraud, insisting I would never be able to get credit in the future If I did not clear up the matter of the now 2800.00 balance. I asked her why I had heard Nothing of this in the past 7 years, she said it was my responsibility to check my credit reports. I became upset and asked her for her name, as I knew that the way she was speaking to me cwas not lawful in any way. She refused to give me her name, I asked 3 times. I also asked for the spelling of the company she worked for and she also refused to give me that information as well. She hung up on me so I called back and asked to speak with her supervisor. She then told me I was being recorded, and of course COMPLETELY changed her tone to a semi agreeable manner, while I look like a nut for being so upset. She lied numerous times during the recordining, insisting I never asked her name and she accused ME of being the one that was lying. Furious, I hung up, I thought to myself no company this unprofessional could possibly go through with their threats of taking me to court.

Later, I started to worry that maybe in some legal loop hole they may be able to accomplish their goals so I called back, and someone else answered. His name was Mike Risers he again claimed they were a law firm and that the lawyers he worked for would not compromise their bar licenses by running a bad business. He insisted that he could clear my debt with 100.00 today (over the phone checking information) and 600.00 by the first if the month. This is laughable at best. I am a single mom and college student, recovering from a serious illness, I do not have that kind of money. When I tried to explain that to him and request a payment plan, he became just as nasty as the first person I spoke with. Spouting threats and calling me names, telling me I needed to borrow the money from someone. He also reacted this way when I refused to give him my checking information over the telephone. I had no sort of proof this company was legit. I was NOT going to share my personal information under any circumstances. I asked for something in writing. He said he would send me an email in two hours, and If I did not call back before 9:00 with my checking info they would prosecute me to the fullest extent of the law. I never received an email. I did a little online research and found Nothing about the firm accept claims they were NOT a law firm at all. And, a forum with complaint after complaint of mistreatment and pending law suits.

Today, they phoned again. I asked why the email was never sent. And at this point an email is not good enough. I wanted proof in writing. I asked the man Ross was his name, to please send my a letter in writing by mail. He insisted that four previous letters had been sent. Which is a lie. I have received nothing from them at all ever. As a matter of fact during the first conversation I had with the woman I spoke with initially, she said it was my responsibility to check my credit reports, she did not claim to have notified me at all when I asked why this was the first I was hearing of this issue. Ross insisted that they could not mail me anything, and that I needed to go to a fax machine to receive a fax? I refused, and asked once again for something in writing. He again refused. I am not sending money to a business that refused to notify me by mail, lies over the telephone, and has numerous horrible reviews on the internet. I am not even sure they are an actual company? I feel like a victim of fraud, or like I am involved in some sort of scam? They are very good at making you feel inferior and like you have no rights. When I would ask for something in writing or question their legitimacy, they would become abusive and angry, saying they were doing me a favor and I had no business questioning their integrity. I have still yet to receive an email even though Ross insisted that one was sent. I feel like they are intentionally making me out to be a lair.

Bottom line. I do not feel comfortable dealing with this company. They have proven to be completely unprofessional, rude, abusive, and shown themselves to be liars. And if somehow they can take this matter to court, I plan on fighting as hard as I can, to prove their dishonestly.

missi · Posted: Wed Aug 15, 2007 2:20 pm Subject: Marshall ziolokowski

does anyone know if they have a website or listing, i want their address and phone number

Posted: Thu Aug 16, 2007 4:33 am Subject:

Here is info. from Bud Hibbs.

Agency Details

MARSHALL AND

ZIOLKOWSKI ENTERPRISE, L.L.C.

(Aka/MAZE)

8201 Main Street

Williamsville, NY 14221

Phone: 800-690-6293 - 866-236-4190

716-635-6190

716-635-6187

716-635-6180 -716-635-6181

Fax: 716-692-4662

BREAKING NEWS!

ACCORDING TO EMPLOYEES WORKING THERE

MARSHALL & ZIOLKOWSKI IS NOW A LAW FIRM.

APPARENTLY OWNERS KEITH MARSHALL AND RICHARD ZIOLKOWSKI HAVE EARNED THEIR LAW DEGREES. FUNNY THOUGH, THE NEW YORK STATE BAR DOES NOT SHOW ANY LAW OFFICE IN OR NEAR BUFFALO, NY CALLED MARSHALL & ZIOLKOWSKI, ATTORNEYS AT LAW.

COULD THIS BE YET ANOTHER SCAM TO RIP YOU OFF?

Kill Joy · Posted: Tue Aug 21, 2007 9:38 pm Subject: Marshall & Ziolkowski

I got a call from the them.....they said I owe them from a debt in 1997-2001......I told them to send me a letter.....They also grabbed a credit report.....
So with the letter, the phone call and the credit report I can sue them for 3 counts......easy money for me.....thank you fdcpa...
you know what sucks....my lawyer gets 1/3.....
1. They can't call me.
2. Writing me a letter telling me I owe when I don't...wanting money to make it go away.....is fraud.....
3. Pulling my credit report is a big NO NO.....
A collection agency has 4 years from the Charge off date to sue you.....anything after that is on them.....So they will try everything under the sun...if you pay them....the date starts from that date....So...Say you owe 21,000....but if you look at your Credit report its been 6 years since the charge off....you want to buy a house so you pay it off....they could just keep it on your credit report for another 7 years from your payment....and you only had to wait One year and it would of fell off your credit report....There is nothing they can do..4 years from the charge off date...and.....after 7 years...its done...over....
Yes you made the debt...But remember you are not paying back the credit card company...you are paying the collection agency....they purchased the debt from the Credit Card company....So you are wasting your money....So if you might feel better paying it off.....then go right ahead...Just remember...there is heaven, hell, purgatory and the pit full of shit where people who give away their money go to stand on their head...Yes...God's Laughing too........

ellac · Posted: Mon Aug 27, 2007 1:37 pm Subject:

Been dealing with these guys over the last couple weeks. Apparently I made them mad when I called them out on their numerous fdcpa violations and they decided to retaliate by pulling my credit. Illegally. The debt in question was my husbands from before we ever met. I contacted my attorney and here was her advice.
She suggested:
1) you file a complaint with the state
bar in the state where you reside,
2) file a complaint with the state
attorney general's office and
3) file a complaint with the Federal Trade
Commission.

Some recommendations.

- File a complaint with the BBB. They are not a memeber of the BBB, but you can file a complaint online. They are listed with multiple addresses here.

- Send a letter to them (use the 8201 Main St address in Buffalo, NY) and demand validation of the debt. They must provide a copy of the original documentation you signed - the credit card application, etc. Make sure you send it certified mail and with a certificate of mailing (they don't have to sign on this and it's proof you may need.) They have 30 days to comply. Don't worry, they won't respond.

- After the 30 days you can send copies of your letters and a letter of complaint to the FTC
FTC-CRC-240, Washington, DC 20580. They can face civil penalties for their violations.

Please know your rights. Yes, we should all just pay our bills, but there are statues for a reason. If a creditor can't get their poo together within the limits of the statute, too bad on them. These guys are bottom feeders.

They cannot threaten you with wage garnishment or leins, etc.
They cannot discuss the debt with anyone except the person in debt unless given direct permission from said person.
They can only contact you between 8am-9pm.
The list goes on.... You can find all this information in the FDCPA
Just google FDCPA and you'll find it

These people are simply trying to find the easy targets and scare you out of your money!

Posted: Mon Aug 27, 2007 2:14 pm Subject:

Unless I am mistaken, there is no clear cut time they have to respond to you. You have 30 days to dispute the debt with them when they write you about the bill

Some of them never fully validate either, just give you a computer generated paper with a bunch of nonsense they make up!!..KAren

ellac · Posted: Tue Aug 28, 2007 1:18 pm Subject:

there has to be some time frame in which they must respond appropriately.

UNKOWN · Posted: Tue Sep 04, 2007 12:12 pm Subject: THEY ACUTUALLY HELPED ME ALOT

Marshall and ziolkowski do sue debtor if you getting calls from them your the reason for notpaying your bill they helped me settle my acount and i save 10,000.00 i think people who argue the fact of oweing money are the ones who have no money grow up and pay your bill and be nice to them and they will help you its all on how you talk to them so pay your bill and stop making them look bad because you cant pay marshall and ziolkowski thank you for the help and savings

Mr. Mason

To whom it may concern:

Marshall and Ziolkowski aren't that bad. But I did some research on these guys. come to find out they have some really good atorney's. I also found out that there move of a debt settlement firm. yes they inflate the bill. But they can per contract. We all get in a bind at times and it's our own fault that were in this mess. Fraud for not paying getting a judgement,lien, garnishment, or even a wage garnishment just settle you debt out any question let me know I'am the wiz Beware Marshall and Ziolkowski do take legal action so before you start disputing and validating. Work out a settlement for around 80% of bill maybe even less. In my eyes Ithink there a good company slash firm..

sincerly yours,

Posted: Tue Sep 04, 2007 3:38 pm Subject:

LOL, it's so funny when the CA companies come in here and try and make it sound like they are some unknown consumer. What a joke, not to mention their grammar skills are usually at a 3rd grade level. Get your shovels out folks because it's getting real deep in here with the BS.

upset "PLANTIFF" · Posted: Mon Sep 10, 2007 6:37 pm Subject: lLIARS

they told me that i would be federally charged with fraud for something that was not even under my ss# DO NOT COMMUNICATE WITH THESE "people" THEY ARE LIARS!!!!!!

Charles · Posted: Thu Sep 13, 2007 9:56 am Subject: Just had Marshall & Ziolkowski Call me

I just received a call from a Mr. Tyler of Marshall& Ziolkowski and threaten me with 2 counts of Fraud based on my SS#. They gave me a case number, and told me that if they didn't hear from me with 24 hours that I would received a summons to appear in court. They are in Buffalo and I live in Arizona. My credit is already shot since 9/11/2001 when I lost my job and I couldn't pay my bills. I also had a repo that the finance company wants the remaining money on, but I can't pay anyone. I barely make enough to pay my overhead. I don't know that they know where I live in Arizona but they obviously have my phone number. What are the chances that I will be served a summons and have to appear in court? If I don't appear in court, will I be charged with a no show at court? I know that I have alot of unpaid debt, but paying it all back I would strangle financially. Will this just be another blemish on my credit report for not paying back my debt? I can't afford to claim bankruptcy either. Please advise. If I don't file these letters back to them that are mentioned to try to counter sue, what happens then.

ellac1 · Posted: Wed Sep 26, 2007 12:54 pm Subject:

They will not file a judgment on you! Send them a letter requesting a validation of debt. Also request a copy of the original contract showing your signature. Every state is different, but I'd be willing to bet that 1.) they wont provide you anything. 2.) if they were to somehow manage to provide this info, it would be beyond the statute of limitations for collections.

I suspect that the couple of posts from people saying that they are "not so bad" come from employees of this fraud company.

Do your research people and know your rights. You can post on here and say "pay your debts" but these guys are FRAUDS! As a pp said, if you paid these debts they are asking of you, it will show up fresh on your credit reports. Knowledge is power.

FDCPA guy · Posted: Thu Sep 27, 2007 1:48 pm Subject: M&Z has good lawyers?

They better, 'cause they're gonna need them! M&Z is NOT a law firm. Bottom line, wait for them to claim they are a law firm, then SUE them. Then you'll see what kind of good lawyers they have. Actually, you'll see what good check writters they are. Remeber folks, they are tracable. Traceable means SUE-able. Do the right thing, dispute the debt properly. They will screw up, THEN SUE THEM. No more of this playing around. They want to play hard ball...let them play. BTW, if you're going to complain about them, send a copy of your complaining to the NY Atty General. Let him shut them down permenantly.

Mavrik86 · Posted: Mon Oct 01, 2007 6:36 pm Subject: Aholes

They called my mother about a debt of my brother's mother inlaw. don't know how they got her number. They called her a f'ing bitch. We are filing a complaint with the police department.

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