Internet's first get-out-of-debt community - 168,000 members

Guest · Posted: Tue Jul 25, 2006 1:17 pm Subject: Bronson & Migliaccio

Anyone heard of these guys? They are representing CACH, sending me a letter of collection.

Guest · Posted: Tue Jul 25, 2006 1:33 pm Subject: Bronson & Migliaccio cillection agency

Wow, these guys have lawsuits against them everywhere. Google search comes up with tons of hits on them. Junk debt buyers, apparently their letters make it look like a lawyer has reviewed individual cases, when in fact, they send collection letters out in mass quantities.

Posted: Tue Jul 25, 2006 1:36 pm Subject: Bronson & Migliaccio CA

Read this: cardreport.com/wwwboard68/messages/51016.html

and
cardreport.com/wwwboard68/messages/50409.html

and
cardreport.com/wwwboard68/messages/50317.html

Hope this helps. Wink

Guest · Posted: Tue Jul 25, 2006 1:39 pm Subject: Bronson & Migliaccio letters

Apparently these guys work for Collect America (a Franchise of them), and there are lots of them:

Law Office of Sam W. Streeter, Houston, TX
Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ
Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA
Law Office of Thomas K. Bamford, Dallas, TX
Harold E. Scherr, Attorney at Law, Longwood, FL
Bronson and Migliaccio Attorneys, Williamsville, NY
Bronson and Migliaccio Attorneys, Elmwood Park, NJ
Phillips and Cohen and Associates, Westampton, NJ
Law Office of Larry Roach, Copley Twp, OH
Phillip Scott Lowery P.C., Denver, CO
Law Office of Brian K. Levy, Phoenix, AZ
Law Office of J. Anthony Cambece, Boston, MA
Workman Law Office, P.A., Jacksonville, FL
Collect America, LTD, Denver, CO
Gamache and Myers, St Louis, MO
P. Scott Lowery, P.C., Tulsa, OK
Law Office of Wilfred E. Briesemeister, Montclair, CA
Harrison Ross Byck, Morrisville, PA
Daniels & Norelli, P.C., Westbury, NY
Davis Law Office, Russell A. Davis, Solana Beach, CA
Richard DeJana & Associates, Kalispell, MT
Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)
John P. Frye, P.C., Roanoke, VA
Daniel N. Gordon, P.C., Eugene, OR
Mims, Jerry M., Attorney, Islip Terrace, N
Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX

I have already recieved a letter from three of the above named on the same account. Each time I send a validation letter, it goes to another on the list. Is that even legal since they are all affiliated? Seems like they would not be allowed to send anything else, no matter which attorney they are.

Posted: Tue Jul 25, 2006 1:44 pm Subject: Bronson & Migliaccio

What did Bronson & Migliaccio mention in the letter? Has your account been validated in it? The following information must be put in writing as per the debt validation rule.

http://www.debtconsolidationcare.com/validation.html

Guest · Posted: Tue Jul 25, 2006 1:54 pm Subject:

I haven't sent these guys a validation letter, sent one to Workman Law office, Phillip Scott Lowery, and Daniels and Norelli I believe. They are all affiliated, so that is why I think it is unfair that they can just pass it around to each other without validating.

Guest · Posted: Tue Jul 25, 2006 2:15 pm Subject: Bronson & Migliaccio CA

Ok so now i'm really confused!! These are the very SAME people that served me with a citation and told me over the phone that they have sued me! I recently sent them a letter of settlement and they have just called me back, (didn't answer) then came on here and wow here's the very name! It's on the list Dendy in New Olreans, or so i thought. SO now what do i do? Continue on trying to settle this debt with them?? I'm really confused now!
Thanks for any help!

Guest · Posted: Tue Jul 25, 2006 2:18 pm Subject: Bronson & Migliaccio

Also they keep calling my brother. How can i get them to stop calling him???
Again thanks in advance

Posted: Tue Jul 25, 2006 3:42 pm Subject:

Angie, you need to make sure if this company really has your debt. If they have, it must be with accurate details. To get the details of your accounts, send a debt validation letter to their mailing address. This forces them by law to present the legitimate information about your debt account. If they are unable to give this info, it can prove their unauthorized collections. You will have a legal stand in the court if it reaches that far. Send your letter through certified mail/return receipt requested.

Ask your brother to send a cease and desist letter and stop the CA from contacting further. Read this law about stopping the collectors from making further contacts.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#805

Angie · Posted: Tue Jul 25, 2006 3:47 pm Subject:

Ok so if i understand this right, even though i have already sent a letter of settlement to them i can still come back now and send validation? Is this to validate the amount owed? Because i recall owing at the most $4,000 and now they're saying it's $9,400 and he told me could go as high as $15,000. I offered to settle this debt with them for $5,500. They must have just gotten my letter cause they've called a million times today but i haven't answered yet. I'm a little confused as where to turn next. Thank all of you for ur help!

Posted: Tue Jul 25, 2006 4:25 pm Subject: Bronson & Migliaccio

Angie

Collectors are required to send the debt validation letter first time when they begin their collections. They might have sent you something in writing at the beginning after which you proposed them settlement.

Now, as per their terms, the debt has already been validated. You can request the same info by disputing the item in a debt verification letter. This is to make sure if the company really has your file. If they don't have your details and get the money from you, it will go to their pocket. Later, some other company having the legitimate details will contact you for the same debt and you might be forced to pay them. So, send a debt verification letter requesting for the info you need before paying them.

Posted: Wed Jul 26, 2006 9:06 am Subject: Bronson & Migliaccio

Angie, if you are already corresponding by them in writing and/or by telephone, and you have sent a letter of settlement, then they are breaking the law by calling your brother. In this case it does not matter if you or your brother has or has not sent a cease letter to them. They are ONLY allowed to contact family members if they do not know where you are, have no way to contact you, or you have given them that number to reach you at. If none of those apply then they cannot call him. They are permitted by law to contact family member ONE time to get in touch with you. They have obviously gotten in touch with you. Have your brother keep a record of everytime they call, and if permittable in your state, record the calls without their knowledge. Or, just tell them the calls are being recorded, that will probably stop them. I would definitely report them to the Attorney General's office though.

Angie · Posted: Wed Jul 26, 2006 12:55 pm Subject:

They've ALWAYS known how to contact me! Just haven't always answered their calls. I asked her the first time she called him how she got that number. Was told that they have some kinda program that gives em old numbers of where you've lived in the past. I hope they accept this settlement so i can move on

WEST TEXAS · Posted: Wed Jul 26, 2006 1:10 pm Subject:

Same post in another thread - Mike

http://www.debtconsolidationcare.com/forums/about9162-1.html

Posted: Wed Jul 26, 2006 2:08 pm Subject: Bronson & Migliaccio agency

West Texas, I'm glad to see that, that being an A** doesn't mean you can't make a good point. People should take responsibility, but only for what they are rightly responsible for. Being educated about our rights a citizens and wanting to take responsibility for what we rightly should and no more does not make us lazy. All of us on this forum have made sacrifices to pay our debts, in one way or another; you trivializing those sacrifices shows your character. If we weren't prepared to make sacrifices, we would never pay any of our bills. This we must do or we couldn't post on this forum or recieve harrassing phone calls and such. I have been a member of this forum for a while and read almost every post and while people do get frustrated and angry and need to vent, nowhere have I seen anybody who was not willing to work. There have been people physically unable to work but even those people were trying to find the best way to pay their bills with what little money they do have. I agree that if you borrowed it you should pay it back, but you shouldn't have to pay more than what is legally allowed by the state you live in. As far as 3rd party collectors being "mean", if they are violating the law then they should be prosecuted to the fullest extent of the law. If certain collectors would follow the law and actually be willing to work with the debtor then a majority of posts could be deleted. That however doesn't happen. I appreciate the fact that you are trying to justify your own behavior by trivializing others but again that just shows your own character.