Kramer & Frank - Are they for real ?

Has anyone heard of Kramer & Frank PC Attorneys at Law? They are handling one of my HSBC accounts, I cant seem to get a hold of them though. I keep calling and leaving messages to discuss payment arrangements, and they keep sending me letters.
Any suggestions??? I talked to one person there and she said to call back in December to make arrangements because the person handling my account wasnt in.
Thanks

Here is some info from the Better Business Bureau about Kramer and Frank"

Thanks for the info. Hopefully there isnt a problem. Do you think since they are attorneys they are more interested in suing me than collecting the debt? I just thought maybe thats why they arent talking to me, so that they can say I made no attempt to make arrangements.
Is that something thats even possible?

I have not seen or read any bac information regarding Kramer & Frank atty's, maybe they are some issues in their office and had to cut back their hours or maybe they take extended time off during the holiday's. Good luck and keep us posted

They just sued me for a 5 year old Emerge account that I have been trying to get corrected. Their main purpose is to take these accounts to court, sue you, get the debt officially on record by a court of law, receive a judgement in their favor, then garnish your wages until debt is clear. They will also charge you interest on that debt with the courts blessings. Their whole objective is to get a court judgement on unsecured debt so it can be collected. Don't bother trying to contact them that is not their objective. Forget about going to court when you receive your summons, the judges tend not to listen unless your in the "club". I've tried everything you are trying and even went to court to plead my case with no success. This is the trend of the legal profession due to the money these legal professional are making from collecting debt.

I cannot condone Al63139's advice as it will lead to a default judgment. If the debt is not yours then you can easily win a court battle. First thing you do is get a attorney well versed in fdcpa law. You should suggest that your attorney motion to show cause in the discovery process by requesting validation. The important things the judge wants to know in these suits are:
1. Does the debt belongs to you?
2. Does this entity have the legal right to collect on the debt?
That is what validation shows (in part) so the judge is going to grant said motion. If the CA can't produce said documents then the case gets dismissed (usually with prejudice, meaning that nobody can sue for it again) You can also challenge the chain of custody by having them produce assignment contracts and/or receipt of sales from that CA going back to the last CA that had it and the one before it, all the way back to the original creditor, you may even request they present witnesses that have first hand knowledge of the debt in question from each of the CA's for them to testify to their knowledge. It will break down their case faster than a house of cards in a hurricane.

I have dealt with them and every time I call in to ask a question or follow-up, they are terribly rude and heartless. I am referring especially to one person in particular named Edie Weber. She is a horrible excuse for a human being. I wish I had thought to record our conversation...
Good luck with getting anything worked out with that company. I have never had a good experience with them and have been forced to hire an attorney to combat them.

They are too busy trying to get people like me to pay money that I never owed anyone. Maby this is what spread the wealth means

Al63139, thanks for taking the time to tell it like it is! I had the same experience with this company. In fact, my experience was worse -- Kramer & Frank's SPECIAL PROCESS SERVER NEVER SERVED ME A SUMMONS!!! I even tried to file a complaint with the Missouri Bar Association, as the Kramer & Frank attorney who sued me proceeded with the lawsuit despite the defective -- OR MORE ACCURATELY, NON-EXISTENT - SERVICE. Once a creditor has turned a delinquent account over to them, all you can do is try to settle the debt. I thought I survived their unethical dealings once, only to land in their hands, again. Now, since I live outside Missouri, they won't even send me statements. It's like I send my monthly payments into a black hole. At some point, I will address this with them -- via an attorney of my own.

Both Letty and al63139 are dead wrong. I can't decide if they simply didn't know any better, or are purposely posting this useless information in an effort to dissuade others who may not know much into allowing default judgements to happen.

In any case:

al63139: There is no "club". You simply have to either have a lawyer, or know your rules of civil procedure. 'pleading your case' will do you no good if you do not follow rules of civil procedure like motioning for discovery of the documents pertaining to the debt in question and everything else JCMT said in his above post. Just not going to court is about the worst thing to do because even if they were able to properly validate the account, the judge would set up a payment arrangement you can afford where if you didn't care enough to show up then why should the judge care and just award a default judgement allowing the CA to then go after you aggressively...so that was not brilliant advice on your part.

Letty:
while it was a good idea to report them, it would not stop the court action. What you should have done was go to the courthouse and get the judgement overturned due to improper service, there is law in place just for this.

all in all that was not 'telling it like it is' because it isn't like that and doesn't ever have to be like that. There are rights and laws made to protect consumers from just such practices but you have to take the initiative and protect yourself.

I have had the same problem. I have been leaving messages for Diane Lawson, whom I was directed to when I started inquiry at a satisfaction of judgment on an account that I had paid to another outside source. They will not return phone calls or answer when you call, you always get the voice mail. This has become quite frustrating.

Never, Never!, Never!!! Call a collection agency. You are wasting your time and may do more harm than good. Send them a debt validation letter CMRRR. If they can't validate, they lose. If they do, follow up with a Pay For Deletion letter or a Pay In Full letter. Don't let them drag you into court. If they do, you'll have plenty of ammunition to back you up. Keep copies of EVERYTHING you send them and everything they send you. Many CA's pretend to be law firms. Kramer and Frank is simply a CA who has a lawyer on staff. Don't be intimidated.

I was sued by K&F in Missouri was paying them a monthly payment. I then moved to a different state sent the payment they returned it and closed the account. Four months later they are trying for wage garnishment. Debt lawyers suck!! My rule for everyone, pay off your credit cards and never use them again. The lob market sucks and these low life scum suckers get off sueing people who have no money.

How can I get them 2 lower my interest rate . I would like 2 pay them off. what can I do. Who should i call . sick of them

i was never served,and a judgement was filed against me. i founf out when i requested an audit to be done on my credit report. this is a fraudulent bill, and want this resolved. i have sent emails, certified letter, and called more times than i can count. i dont have the money for a lawyer, and i dont know what to do. they will not return a phone call, in this economy i really cant afford a lawyer. hmm, pay my light bill or get someone who can make them return a simple phone call. decisions-decisions

Smoothhoney, check with the county clerk to see when and where you were served notice, if you were never served, you can have the judgement overturned for improper service.