Law office of joe pezzuto - need advice on this collection agency?

Hey i used to work for these low end losers and i agree w/you they are pathetic pieces of garbage.... it's funny because the loser who runs this office i swear to god, is this dude who is in his 50's runs around having the worst mid life crisis a man could have as he wears this run down RUN DMC shirt literally 3 days out of the 5 day week i find it Hilarius check him out on facebook his name is Matt PLEASE DO NOT POST PERSONAL INFORMATION ABOUT YOURSELF OR OTHERS ON THIS SITE.....and every day i worked here all i could think about was punching this freak in the face as he walks around drooling over the 20 year old girls he has working there that aren't even attractive... the people who work here are all on drugs as i would see people doing drug deals right in the middle of the office w/no one to say a word, this guy AGAIN, NO-NO is a known stoner as his employee's SORRY, NOT GOING TO ALLOW THIS, and a few others i can name have all informed me that they have either sold him pot and or cocaine/meth on a few occasions crazy i know... and this guy runs the law office... it's hilarious, truthfully i think he is a homo sexual that is trapped in the closet not that there is anything wrong w/that but don't hide who you are and just be yourself... anyways this guy and the people who work form him are all sad pathetic 20 year olds who think they are great because they make a person who is clearly allready in a bad situation in a worse situation and they get off on making someone feel like crap, it's really sad, but anyways if you need any information on any of the staff here i mean anyone, this includes their personal cell phone #'s, Addresses, Facebook links, mother's addresses anything go ahead and email me at YOU NEED TO READ THE TERMS OF SERVICE HERE BEFORE POSTING AGAIN--NO PERSONAL INFO ALLOWED INCLUDING CONTACT INFO. and i promise you i will get you any info on any staff that you request just provide me w/the problem you had w/the employee and their name and consider it done!!!! thanks again also!! they cannot sue you unless you reside in the state of AZ so don't sweat them unless that's where you live
Ex-Pezzuto Employee

These Joe Pezzuto morons kept calling about my debt after USB sold it to them. They harassed me any way they could and made fun of me, saying I had 10 credit card debts when it was only two. Anyway they also advised crap like I should ask my friends or family to get a loan out for me to pay my debt.. what kind of illegal advice is that? I wanted to arrange monthly payments but they don't do that and they wanted me to pull 8k out of my ass in 30 days and put it on a silver platter for them. I didn't have a job and I would have been homeless if not for my family.
They use the "good cop/bad cop" tactic where one guy talks like "I'm on your side I just want to help you" then if you don't agree to give them the money they call the "manager" who is like "bitch, give me the f***ing money in 24 hours or I sue your ass" I was advised to not give them any information. They sent me letters about the debt. They threatened me that they would turn my debt to a lawyer saying they have some kind of a deadline to make arrangements and if I didn't then they would have to assume that I refuse to pay the debt and pursue legal actions (whatever that means). I own NOTHING except for my car that is barely worth 2k so I wasn't worried about them coming after me. The last letter they sent me was for a settlement... but they called me EVERY SINGLE DAY including weekends, sometimes twice a day.. then I got sick of them and didn't answer the phone when they called.. and well they SURPRISINGLY stopped calling after a while. My advice is to do the same and just DON'T ANSWER THEIR CALLS.

First of all, you can and will be sued. It is illegal to borrow money, and not pay it back.

Second of all, there are real attorneys that work in these offices, and generate legal proceedings against people who do not pay their debts. Why? Because, again, it is illegal to borrow money and not pay it back.

Third of all, when YOU open any line of credit, be that with a bank, or a credit card company, you sign an agreement that allows for the addtion of default interest if you stop making paymnets. Why is it that people who get themselves into these postions act as if they have done nothing wrong, and the people who are collecting this DEBT are the creeps? If you borrowed your neighbor money on the condition he/she would repay it in a timely manner, and they didn't, would you take them to small claims court? Yes, if the amount was significant to you.

Now, think. Lets say there are a thousand people that do that every month to creditors. Exactly what do you think would happen to the lending institutions of America if they had no recourse to recover the money they borrowed under good faith terms, and some j$#k decided they didn't have to repay that?

People do fall on hard times. People also get over them, and they need to take responsibilty for their actions. Spending money that was not theirs to spend, and not paying that back is extremely irresponsible. And you call people who try and collect this money bottomfeeders? Seems to me you have it backwards.

And yes, you will be sued by this firm. Trust me. Work with them the best you can, they aren't kidding around.

get back to the phones idiot.just another humanoid loser who works for this piece of garbage.you had your say and sorry not alot of examples of your bottomfeeder suing anybody so again back to the phones drone.before i close a couple of points that gave you away.

1)owing a debt is not a crime,but your verbage says otherwise
2)you never mentioned how you know they sue.maybe because they don't and when you call breaking the law with threats you want people to think you sue.
3)your last point was an insult as after posting that not paying a debt is a crime.you state people go through hard times.well since your bottomfeeder never send anything in the mail how can they sue?

all roght now i'm done with you humanoid.

We do not advocate that people should not pay what they owe. However, when people try to make arrangements, and they are told "you have ten debts with us" when they really do not, THAT is what is illegal. You do not help your position when you ignore the things that bottom feeders like this one do that break the law, I can tell you that right now. The moment you try to pretend that these companies are doing no wrong, you just blew all credibility.

Then go tell those "real attorneys" to go back to law school, because the tactics those "real attorneys" use to try to contact people, threaten them, scare them into paying debts, often while refusing to validate--ILLEGAL--and often without even making sure that they have the exact person that actually owes the debt, all of that isnt legal in any state in the land, chief. Kinda funny that a quick check of Justia shows more than two dozen lawsuits within the last couple years against Pezzuto, all for FDCPA violations....yet here you are, blaming others for not wanting to work with them?

you wouldnt happen to be Chuck, would you? I LOVE what you did with the whole 800Notes mess!! What a real "professional" you are.....I can sleep easier at night knowing that somewhere, there's a cell, with bars, and an eight foot tall hairy guy in it, just waiting for you.

Does it allow for the addition of legal fees when no lawsuit has even been filed yet?? No, I didnt think so. Does it allow dirtbags like this "law firm" to routinely break federal laws? Nope, didnt see that in any contract either. I know--maybe it allows them to lie, threaten, and harass!! Um, nope, sorry, that isnt in the fine print either....

No matter how you slice this, you lose. I agree that people should pay their debts, but when a debt collector engages in such disgusting behavior as a matter of routine, they dont deserve to get PAID...they deserve to get ARRESTED!


We see our share of people that just want to get away from their financial past, and those people need to realize that they do need to pay their bills. I do not make any excuse for them--it is their issue and they do need to address it. HOWEVER, you look like a fool stepping up to try to pretend that these bottom feeders are legit. In fact, if you look through the posts here, you will see many where people tried to work with the debt collector. You will see where people were threatened illegally, lied to, tricked into agreeing to pay a debt. So, lets answer your question--if my neighbor owed me money, here's what I WOULD NOT DO:

--tell him he's been sued when he has not been
--illegally call his relatives/friends/employer after I already have located him
--threaten him that he will be arrested for not paying the debt
--insult him, his family, his children, his dog, where he lives, or whatever else
--curse him out and demand that he submit to me
--send him falsified documents so that he thinks he's been sued
--threaten to have his children taken away, threaten to take his house for a $300 debt, etc etc
--pretend to be a police officer/detective/lawyer/officer of the court when I am not one

etc etc etc. If you dont get the point from that, then stop posting and get back on your phones slacker. And I hope and pray that the next number that your autodialer connects you with is mine...

I NEVER asked that debt collection cease to exist. But what is the harm in actually doing it LEGALLY? your whole attitude smacks of "two wrongs make a right". Thats a sad way to live, son.....

You should know--it's a funny thing that more than half of all debt collectors in this country dont pay their own bills, and get hounded by collection agencies themselves.....

Dont even THINK of coming in here talking about people "needing to take responsibility for their actions". Not with the industry you are trying to represent here.


Right, because it's totally responsible to crap all over the FCRA, FDCPA, and numerous other state or federal laws in the process of trying to collect a debt, I suppose....thanks for clearing that one up for us.

They are not kidding, he's right. They are only kidding when they pretend to be someone else, and post ridiculous crap on places like 800notes, calling the owner of that site a "child abuser" and worse over a made-up story. Chuck, the big shot at that "law office", tried to get comments about Pezzuto removed from that site, and the site's policy is that the comments people post will not be taken down. This is entirely legal. It's called "freedom of speech", and I think I remember seeing something about it in some old rag known as the Constitution....

Anyhoo, when Chuck's pleas to remove the posts failed, he then asked about buying her website. Again, that failed. So then someone from Pezzuto started posting over there. Making it up as they went. The posts were traced back to the same place that Chuck's messages came from.....and now, you come in here talking about "taking responsibility"???

yeah, good luck with that...

These scumbags are filth as are any collection firm who uses the name of a nobody lawyer to do their work. Pay nobody, ignore them. If it is a legitimate debt they will sue you, until then.. .tell them to EXCUSE ME?? off and die.

EDIT BY SKYDIVR7673:

This is the WORST advice you can give someone. If the debt is legitimate, then YOU PAY IT. What kind of moron actually tells people to wait until you get sued? What for--so you can pay MORE? Legal fees, court costs, and extra interest can REALLY play havoc with the amount you owe!

Also, we do not tolerate that kind of language here.