Try this number 845-678-1275 I just received a call from a Chris King regarding a collection. I did not give any of my inofrmation I need something in the mail and then I am still not sure.

I just got a call from Mr. Fontana w/Raphen Law Firms and agree they mumble the name but stress "Law Firm" - I told him that I would pay the amount owed it was an error on my behalf then he told me right away that they are not a collection company and will prosecute me. ummmm for 198.34? Then he proceeded to tell me that I will have to pay fees in the amount of 150.00 and damages in the amount of 175.00 total = 523.34! This was an accident I closed a bank account that I had for 12 years and missed this check causing it to be returned. This horrible call was my first notice! Very rude and won't send me written verification of debt. I’m not going to pay 523.34 and he is telling me they will prosecute..

I HAD A FEW CHECKS TO GO TO THE LAW FIRM & I DIDNT PAY
ANY ATTENTION TO IT BECAUS I READ COMMENTS ON THIS
WEB SITE... I CALLED LAW FIRM ACCUSED THEM OF BEING SCAMMERS PER THIS SITE...1MONTH LATER I RECVD A SUMMONS TO APPEAR IN COURT & HAD TO PAY TRIPPLE THE
AMOUNT THE LAW FIRM ORIGINALLY QUATED... SO TO ALL THOSE UPSET YOU WERE CONTACTD..RECONSIDER...FDCPA IS
GOOD BUT IT DOESNT RESOLV WHAT YOU OWE...HANDL YOUR
BUSINESS ....BCAUS WHEN I WAS TOLD PER JUDGE I HAD TO PAY ...I FELT ROBBED
IN COURT..

wrong on all counts.go to another site and muddy the waters there.btw typing in all caps is akin to yelling.which i bet you do on the phone when harrasing people.

Basically they are the last stop after a collections has tried to collect before it hits your credit or you get a warrant!

Um, no, you WILL NOT "get a warrant". I am so sick of that worn out scare tactic. Did you know that if unpaid debts were punishable by arrest and imprisonment, the streets of this country would be empty. We'd all be locked up for life! I would be on death row by now!

A debt collector claiming to be “Erica Shaw or Erica Shah,” a “legal processor” from a “law firm” called “Rephen Law Firm” (which she purposely pronounced “Restin” to avoid identification online) has attempted to collect a debt for a $45 bounced check. Their phone number is 845-678-1296. It is obvious from the overwhelming number of online complaints made to debt/credit complaint forums and the Federal Trade Commission that they are an illegitimate operation and should not be paid a single dime.

It is also evident that the “processing fees” they are attempting to collect are illegal given the Fair Debt Collection Practices Act (FDCPA) and therefore should not be paid either.

When questioned, she cited the Uniform Commercial Code which can be found (wiki it) and seen as an obvious sham to be cited, as states adopt only parts of the Universal Commercial Code and in different ways, meaning there is no way for her to tell me how exactly how it applies. IT DOESN’T. It’s like saying the Bible says something is wrong, but without telling me the verse. Obviously bull.

It also clear to me that their threats to take legal action and “take me to court” are also illegal given the FDCPA as well. They also refuse to put anything in writing and refuse to stop contacting me after both verbal and written no-contact statements, which is also illegal.

No reputable company only takes payment through Western Union. No legitimate company refuses to put things in writing or on their “law firm” letterhead.

My only question is why fraudulent companies such as this are still able to operate under this Act?

This company has even set up bogus “consumer help/protection” websites to gather people’s information!

How is this legal? Should I report again to the Federal Trade Commission?

In short, do not give these people a dime. They prey on people who do not know their legal rights. They only buy bulk debt from companies who have already written off bounced checks. They intimidate people into thinking they are going to go to jail or be taken to court because their check bounced when this is simply not true.

I am on the phone right now trying to find out more about this company. I owe $22.30 on a check. They said my account was closed. Then said my back was closed. Very rude!!!! I would not pay anything more till you contact a Lawyer. Have them check out. I but in on the computer Rephen Law Firm. You try and see what all come's up! Good luck.

I just got called from them yesterday. Everything i have read on them says it's not legitimate. So should i just ignore?

yes just ignore.

__________________
giving hope to the hopeless,help to the helpless,and hap to the hapless.

Rephen got payments from me for 10 years on a $1,200.00 I paid over $5000 to them and now 13 years later they try again to get money. They are illegal as it gets and Erica Shaw has called me for years. I'm just sorry I bought their line of crap. I caution anyone do not pay these people a dime, they will never leave you alone whether you pay them or not. They have been sued many times, they are all over the internet as illegal debt collection practices.

I recieved a call from a Joseph Francis last week from this law firm 845-678-1277. He was very rude, he told me that I had 17 bad checks out. I was in complete shock. I tried to ask questions to him and get some information. He would only give me just a little. I tried to explain that if there was checks out there on this account, then it was on a account several years ago that my bank worked with me on to close because I had checks stolen from me. Then he tried to tell me that I had another account with another bank out there. My bank even called him and faxed him the proof that it was a fraud account. NOW he is calling me saying that it is not that account and that I have another one. When I told him that I didn't have any other accounts he told me I was not telling the truth. I am reporting him today. Someone has done this in my name if this is even true and he will not give me any information to help prove that this is not me. If this is not a scam I would help find the person that is responsible for writing these checks in my name if they would give me the information that is needed, but I won't pay a dime and if they take me to court I will just prove then that it is not me. I am not dealing with this rude, jerk of a man again. I am not putting up with his harrassment for something that I have not done.

you are right not to put up with this cretin.here's why.chances are there is no other account,and he is just throwing ^%$# to the wall hoping it sticks.you did good in reporting him.

__________________
giving hope to the hopeless,help to the helpless,and hap to the hapless.

Jahlives-I would gladly meet you on any street corner any day of the week to debate your God and take your %^& to meet him sooner than you would like, if you have any sympathy for these bottom feeders. Trust me God does not like liars, thieves and cheats also. You are scum of the earth and trust me God will be waiting for you too.

never fear.i deleted that hooey.i hoped nobody saw it,but i was wrong.

__________________
giving hope to the hopeless,help to the helpless,and hap to the hapless.

I have been trying to get ahold of someone there too to get a Fax # so I can send in my police report proving my "bad" check was fraudulent... it has taken me over a month and now the guy i spoke with refused to give me his name and gave me a bad fax #! I am going to have to try and get ahold of someone again! I am trying to buy a house and this is screwing it all up by being on my credit! how can i complain and report these people???