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Posted: Sun May 11, 2008 8:07 pm Subject: CR

RON....my son is 15. I don't think he has a Credit Report yet. According to Mitchell Kay, my son " obtained" a loan ( to finance some furniture), from a furniture store, that went out of business..of all things!! Never heard from the 'Lae Office' again, after that.

Posted: Sun May 11, 2008 8:12 pm Subject:

LMAO!!!!!!!!

Posted: Mon May 12, 2008 4:38 am Subject:

Ooops, I misread your post regarding his age, thought he was 11. Sorry.

Still, 15 is kind of young to be out buying furniture.

I had a friend who has a 13 Y/O daughter who supposedly received a credit card in the mail, unrequested. Fortunately, he intercepted it before she got it and called the CC company and canceled it. Also gave them an earful about send CC's to 13 Y/O's.

And from what I understand, if your son old enough for a SSN, he's old enough to have a credit report. I've heard stories of parents totally wrecking their underage children's credit for their own gains, so I would have to think they must have credit reports.

May be worth it to check on it.

Posted: Mon May 12, 2008 6:01 am Subject:

I got another call today from Mitchell N. Kay. I am reporting him for his illegal activities and the same goes for the other law firm in my state.

Posted: Mon May 12, 2008 7:47 am Subject:

I did a little investigating. The distance from the Royal Oak MI 48068 post office to 2 of 3 Plaza associates offices is around 10 miles. The other office is about 20 miles away. Mitchell N. Kay is associated with Plaza Associates. It says on the letter from Yellin and Goldner they are associated with Mitchell N. Kay.

The Letters I got never came from Yellin & Goldner. They did in fact come from Plaza Associates who has a basement operation in Michigan.I was getting letters in the past from Plaza Associates for this same debt.

Now what do I do?

Posted: Mon May 12, 2008 9:24 am Subject:

I think I may be wrong. I looked at the permit number for the letters I got and the letter from yelling and goldner and a letter I got from arrow financial services are the same permit number. It was also mailed from the same zip code and the address from AFS is in Michigan. They tell me to send a payment to Illinois though.

Arrow Financial Services had a SH** LOAD of law suits against them. I found 114 suits since October 2003.

Posted: Mon May 12, 2008 10:30 am Subject:

Posted: Mon May 12, 2008 11:28 am Subject:

to the original poster, let me see if I got this right.

you owed only one payment on your car, and it was repo'ed for that? You might actually have a case against the original creditor for that, depending on the laws where you live and the details about this repossession. If you like, I can help you look into that if youre willing to provide some more details about how this actually happened.

Posted: Mon May 12, 2008 1:48 pm Subject:

I was told when I signed the lease that I could finance it at the end with American Honda Finance Corporation. I was wrong, It was 2 payments. They called my house and told me to send a check for around $10,000. I told them I wanted to finance it and they wouldn't let me. They said I had to go threw my own bank which I did and couldn't get the loan. They showed up in my driveway a few weeks later and towed it away.

They auctioned it off and got most of their money for it, my balance due was around $4,000. The cars sticker price was around $14,000 so $318 a month, including interest, tax, times 46 months = $14,628 plus the almost $7,000 they got at auction = $21,628. I think they got their moneys worth out of me. I know it was a contract but that was shady what they did to me.

Cellular · Posted: Mon May 12, 2008 8:51 pm Subject:

In regards to SSN and Credit Reports. A person is now issued a SSN at birth, it is a document the hospital files automaticlly. You don't have a credit report until the first inquiry on that SSN. I read that some parents are starting credit records on their kids by checking to see if their SSN is being used. The recommendation is don't check unless you want to start a record. Kinda a catch 22, huh

Guest · Posted: Wed May 14, 2008 5:22 am Subject:

I got a question. As I mentioned before, the letters I got in the mail where not mailed from Newton MA. as the return address and company name states in the window on the envelope. It was in fact mailed from Royal Oak MI.

Would that be a violation of:
Title 18>Part I>CH. 63>§ 1341 and 1342?

1341 is mail fraud. Under 1342 covers fictitious names or address. I see it as mail fraud because Yellin & Goldner, after hours of research, do not have any business in Michigan. So whoever sent the letter, using a name not their own, attempted to obtain money by fraud. The fraud saying that the attorney is involved when in fact, they are not.

Tell me what you think.

Guest · Posted: Mon May 26, 2008 9:48 am Subject:

If you go to Mitchell N. Kay's website, it says he is admitted in New York and Washington D.C.
If you look up his name in D.C. you get this:

Mitchell N Kay
Law Offices of Mitchell N Kay PC
7 Penn Plaza
PO Box 3163 Jaf Station
New York NY 10116-3163

Email: mnk@mitchellnkaylaw.com
Phone: 212-594-1991
Fax: 212-847-8220

Membership Status: Inactive
Disciplinary history: No
Date of admission: October 16, 1973

If you look up his New York license, It expires in July. I am reporting him because he says he can practice law in D.C. when he can't and also he has a Massachusetts phone number saying law offices giving the false belief that he is a MA attorney.

I urge others to report him also and shut him down.
_________________
Register today to cash in debtcc points.

Guest · Posted: Wed Jun 11, 2008 12:00 pm Subject:

Just a little update, I am now getting calls from Plaza Associates on this very same problem. A few weeks ago it was the law offices of Mitchell N. Kay, plus the letters from Yellin & Goldner which where sent out of Michigan.
Is this practice even legal? I have 3 different companies contacting me on the same debt at the same time and they are all affiliated.

Can they leave a message on my answering machine saying they are a debt collector?

Should I call them Back and tell them to send me something in writing or should I ignore them?
Is there any violations because of their practice?

Posted: Wed Jun 11, 2008 2:59 pm Subject:

The debt collector remark on the answering machine could be a third party disclosure risk however unless a third party disclosure actually occurs I'm not sure.

irishpat77 · Posted: Wed Jun 11, 2008 3:00 pm Subject:

Do you think Yellin and Goldner might be renting out their Law License?

Guest · Posted: Wed Jun 11, 2008 5:08 pm Subject:

funny how I just noticed that Plaza associates isn't a registered corporation in my state. But under the licensing part it is listed as debt collectors:

Aid Associates, Inc.

I still don't know what to make of what I have posted previously but any help would be great.
d/b/a Plaza Associates

AID Associates, Inc. is listed with the corporations division but they don't list the DBA with the state.

So most likely I will be getting a phone call from AID Associates next.

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