Internet's first get-out-of-debt community - 145,000 members

Posted: Sat Feb 09, 2008 2:59 pm Subject:

Sounds like grounds for a good lawsuit, with you reaping the benefits. Try sending them a debt validation letter (you can find a good template in my signature)

paid my bill · Posted: Wed Feb 13, 2008 11:41 am Subject: got good help

These guys have a lot of bad press, but I have first hand experience dealing with a very helpfull employee named Mark. He was able to get me out of debt and offered me advice on paying other companies that I owe. Not all of them are bad

Posted: Wed Feb 13, 2008 12:48 pm Subject:

Not all of them are bad, there are many good agencies out there that stay within the law and are very professional and sometimes quite courteous. However this companies track record doesn't really look like that is the case.

puddytat

If you never made the debt to start and are getting harassed then their harassment is just wrong! But they don't want to hear anything you have to say.

Researcher · Posted: Wed Apr 09, 2008 6:09 pm Subject: Law Offices of Marshall & Ziolkowski

Oh people, do some more research on them. They are now Kingman and Cole...check it out. I was taken by them and then found out that I did not owe nothing and verified it with the actual so called bank they said they were collecting for. I was almost suckered.

Researcher · Posted: Wed Apr 09, 2008 6:12 pm Subject: Law Offices of Marshall & Ziolkowski

They are now in NY...beware people..they prey on the weak!!!!!!!!!1

KIM V · Posted: Wed Apr 30, 2008 1:53 pm Subject: KINGMAN AND COLE

THEY THINK THEY KNOW WHAT THEY ARE TALKING ABOUT. DONT LET THEM FOOL YOU. QUESTION THEM TO NO END. I DID. I DIDNT LIKE WHAT THE ANSWERS WERE. I ASKED FOR A COPY OF THE ORIGINAL APPLICATION WITH MY SIGNATURE, THEY SAID I HAD TO GET A SUPOENA. I ASKED WHY I HAVENT RECEIVED ANYTHING IN THE MAIL. THEY SAID BECAUSE OF PRIVACY LAWS THEY CANT PUT THERE NAME ON THE OUTSIDE OF THE ENVELOPE AND I PROBABLY THOUGHT IT WAS JUNK MAIL AND THREW IT AWAY. I WENT THROUGH AN AWFUL DIVORCE, SO I KNOW WHEN AN ATTORNEY OR COLLECTION AGENCY WANTS YOU, THEY WILL LET YOU KNOW IT. DONT GIVE THEM ANYTHING. DONT CALL THEM BACK. DO GO TO THE WEB AND SEARCH OUT THERE NAME. THEY ALSO GO BY MARSHALL AND ZIOLKOWSKI. THE GOT MY CREDIT REPORT AND ADDED THAT ACCOUNT TO IT THE SAME DAY THEY CALLED ME. FILE COMPLAINTS WITH FBI, SECRET SERVICE, FTC, ATTORNEY GENERAL IN NY, AND ANYONE ELSE THAT YOU CAN THINK OF. THEY ARE CROOKS AND IF ANYONE POSTING ON HERE SAYS OTHERWISE, THEY WORK THERE, AND THEY NEED TO GET OUT OF THAT UPS STORE FRONT CAUSE THE FBI IS WATCHING...GET A LEGAL JOB PEOPLE...

kenny d · Posted: Thu May 29, 2008 10:11 am Subject: marshall and ziolkowski

These people are jack-booted thugs dwelling in some basement boiler room using a tatic of threats against peoples freedoms and sensibilities to gain profit on debts that in 99% of the time are no longer valid and that no court would ever give claim to. If a debt collector calls you (they had better have sent you a letter 30 days prior to calling you of course) and makes any statement to the fact that charges will be filed, your property sezied, wages garnished etc... These are threats to you and are illegal under the fair debt collection protection act. If they say that they are lawyers and not debt collectors, well let me tell you. Under the letter of the law which plainly states in black and white that any entity which attempts to collect any past debt "IS" a debt collector (this goes for lawyers and anyone else for that matter.) If you have any question, get the full name of the person whom you are speaking with, their phone number and extension and mailing address of their place of business. Conclude the phone call, notify you state attourney generals office, better business bureau and the FTC and file complaints. You may even secure a lawyer at this point to handle the matter. Dont let these guys bully you Evil or Very Mad

around.

Kenny D. · Posted: Thu May 29, 2008 10:23 am Subject: marshall and ziolkowski

Another thing here. Check with your individual states as to the statuate of limitations for credit. This company as well as others out there purchase debt contracts from vendors that are no long valid and the vendors can longer attempt to collect upon. Do not hesitate to send these people a letter of validation for that debt. (Just tell the collector that you are disputing that debt, not that you are refusing to pay.) Make sure that you ask for copies of the original contract with your signature, and account statements, and be sure to input that this is a letter of validation to validate the debt, not to validate who you are and not where you live.(most will just send a letter stating the debt is for you and the social security number they have for you.) Under the fdcpa, they have 30 days to produce all items. In most cases, this information cannot be received for most vendors would have already charged the debt off and sent all items to micorfish or has long since been destroyed. Also be sure to check your credit report often. If these people place any derogatory entries into your credit report you may have legal roads to cross with them. They cannot place false or misleading entries into your credit report (well they can, and have done so, but it is illegal to do so, and once there It cannot be removed>) If you have any debt, do your best to pay it off, if you cant protect yourself from the intimidation of these jack-booted thugs. Twisted Evil

Cindy k · Posted: Mon Aug 11, 2008 5:00 pm Subject: Marshall & Ziolkowski

It looks like I am a victim also.Guess I'm next on the list.They have been calling me for two days but I have yet to answer the phone.Really don't want to get caught up in all this.Most of my debts are all over 7- 8 years old To my knowledge all are paid off.If I continue to aviod the call can any legal action be taken against me.Looking for advise..Thank you

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