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Posted: Thu Jun 12, 2008 4:03 am Subject:

I'm sorry but your poor grammar and lack of punctuation kinda hurts my eyes.

ec · Posted: Mon Jun 23, 2008 11:42 am Subject: Spellman & Roman

FYI...Spellman & Roman is just the latest incarnation of the Jacksonville-based Crosby/Bass/States Predisposition scam. (Note: States Predisposition maintains a UPS Store mailbox in Georgia but is really running out of Jacksonville and shares the same office address with Bass in Jacksonville.)

Be sure to report them to the Florida Attorney General, the Federal Trade Commission, your state's attorney general, your local police and the FBI. For more information about these crooks, go to 800Notes and run a report on these phone numbers:

800-918-3844
888-326-3139
888-441-4001

Hope this helps.

DBt · Posted: Thu Jun 26, 2008 9:55 am Subject:

Actually I thought the same thing. But after doing some serious digging, it is not. They may have similar tactics, but this place is in South Carolina. It has been verified believe you me.

ec

Spellman & Roman is the latest phony front of the Jacksonville, FL-based Bass/States Predisposition scam. They're not a law firm nor are they a legitimate debt collection agency.

Remember: no debt collector, let alone crooks posing as a debt collector, has the authority to have anyone arrested for anything. Pay them nothing, ignore their illegal threats and report them to federal and state law enforcement. For more details, search the phone number 888-441-4001 on 800Notes.com and look for my messages. Hope this helps.

iloveeaj · Posted: Wed Jul 02, 2008 1:50 pm Subject: spellman&roman

Man, I cant believe I found you guys. I too am having the same problem with these people. I filed a compaint with the FTC, so, now what else do I do? We did send those people $650.00, and now I am affraid I wont get it back. They scared us with threats of arrest, fines, jail time, having a felony......you name it, they threatend...

some advice is really needed.. email me at (e-mail deleted for your protection - Suebee)
thanks,
lina

Posted: Wed Jul 02, 2008 2:05 pm Subject: reply

sorry about what happened lina,if you have any address on
these bottomfeeders i would consider a lawsuit.if not i would
just remember this experience and never ever pay a debt
because some thick accented doofus or a witch threatens you.
you now know they can't do anything except call and be stupid
with there threats.

TeBrown · Posted: Thu Jul 10, 2008 10:54 am Subject: Spellman and Roman

I feel like such an idiot. Yesterday I received a call from a woman by the name of Delores Miller and she threatened me on my cell voicemail as well as over the phone. The message on my voice mail also said: "You have been noted as a key element in an investigation of fraud." I called her back and she stated that her records show I spoke to one of her colleagues Winston Law in the past and she wanted to give me one more chance before signing off on my account for court tomorrow 07/10/2008. She also said Winston Law was no longer at the firm. Delores told the client wanted a judgement against me for $1300.00 on a $200.00 payday loan. I advised her I never took a payday loan from these people NetCash and didn't know what they were talking about, which is the reason I never called Winston back 3 months ago. I was provided with a fax from Spellman and Roman, crossed referenced it with my bank statement in March 2006 and low and behold there was a deposit for $200.00 like they said. I don't know how this could have happened to me. Normally I am up on banking but this one took me for a loop. Needless to say, I was a sucker and paid the $150.00 yesterday to the Bank of America and faxed them the receipt. Now, I am wondering if I can just pay back the $200.00 with no fees and this be over. Did I mention their phones are disconnected today. I think I forgot that part.

crawf58 · Posted: Mon Aug 04, 2008 8:16 am Subject: Spellman & Roman Associates

These people are very rude. I asked them not to call me at work and they agreed. They left messages on my home phone and turned around and called me at work. They refuse to give a mailing address. They only want a payment over the phone.

How can I go about reporting them?

Thanks-

Posted: Mon Aug 04, 2008 8:52 am Subject:

Google is your friend. You will likely find a valid address to send them a DV. Do you know the acct this is in reference too? As far as reporting them goes, there are no FDCPA cops to go to. You can report to the BBB, the FTC, your state and their states AG and if they are members, the ACA.

SLW

This is an actual cut and paste of the letter I sent them. It does have info in it from some research I have done, and some interesting background on them. Once I sent them this, they suddenly stopped calling, emailing, etc. I have not heard a peep from them since!

Here is the letter (with my personal information X'd out):

To the offices of D.C. Miller, Spellman & Roman, or whichever company name you are using right now:

I received an email from your offices on July 29th, 2008, which stated that I have 30 days to dispute in writing. I am exercising my rights under the FDCPA to request documentation of the original debt, the original creditor, their contact information and any and all fees incurred on the debt since it's incurement.

Legally, under the FDCPA, you were required to send me this documentation within 5 days of our first contact, which was on July 17th. The documentation is to be sent via USPS mail. This is my 18th request for written documentation via mail. I have given you my current address many time, but in case you misplaced it, here it is again: P.O. Box (XXXXX), Reno, NV (XXXXX).

Furthermore, under my rights in the FDCPA, I am notifying you to cease and desist calling my home phone, cell phone, employer and third parties. Legally you may only contact a 3rd party one time to request my contact information, and you may not reveal the purpose for the call or identify yourself as a credit collector to a third party; to date you have contacted 3rd parties regarding this issue a total of 32 times and have disclosed personal information and threats to the 3rd parties each time. This is clearly operating outside of legal parameters.

I have attempted 3 times to send a written dispute to the address you provided on your email, and 3 times I have received the mail back advising me the address is a "vacant" address. Further research into the address shows that it is an unoccupied storage facility. I checked for nearby addresses to see if there was possibly a "typo" in the address on your email, however, the State of South Carolina does not have a legal operating company by the name of Spellman & Roman...not in Moncks Corner or any other part of the state.

Your representatives going by the names of Lewis Steadman, Winston Law and D.C. Miller have continuously called me, harassing me and threatening me. The woman calling herself "D.C. Miller" has even made threats to my employer (saying they will cause a disturbance at my place of employment) and made a threat against my life (saying that she was going home but I would never even make it home). All of the above parties have threatened me multiple times with imprisonment, which is also illegal under the FDCPA.

On multiple calls, your representatives identify the company as the "Law Offices Of...", which is also illegal to falsely represent yourself as a law office when you are in fact not. Given that you are not actually any sort of law office; and given your multiple violations of the FDCPA; I realize now that you may full well not be familiar with or even understand the FDCPA. I would suggest to you that retain some actual legal counsel to assist you with this lack of knowledge.

In researching the debt, I have found that Ashland Funding "sold" the alleged debt to iCollect, who then "sold" it to you. However, no one is able to provide me any documentation that this is a legitimate debt, or original documents. You agents advised me that if I didn't pay the money via cash or a pre-paid Visa card, they would contact Ashland and tell them to collect upon the debt, however, after speaking with Ashland, they informed me that they no longer have anything to do with this matter as it was "sold", and then they advised me not to do business of any kind with your company.

Because your company has illegally extorted $1000 from me through threats of violence & imprisonment utilizing a bank account with Bank Of America, I have gone to Bank of America and notified them of the actions. They have had me fill out statements for their corporate securities division to investigate the fraud and extortion.

I have also begun filing complaints with the FBI, FTC, BBB, State Attorney General for South Carolina and the State Attorney General for Florida (where I traced your company to), Homeland Security Financial Division, and my local law enforcement. I am currently in the process of retaining an attorney to seek a suit against your company for damages, attorney fees and the original extortion amount of $1000, which by the way is a felony.

I have found many, many victims of your extortion and fraud, and we are collectively attempting to put together a class action lawsuit against not only your company, but to seek civil suit against those employees that have threatened physical violence against the victims.

The following two links go directly to sites where hundreds of victims describe the abuse they have received from your company, so you can see these for yourself:

(I pasted the links here)

Please provide me the written documentation of the validity of this debt immediately via United States Postal mail.

LAWSTUDENT79 · Posted: Tue Aug 19, 2008 6:38 pm Subject:

i cant belive that people would take the time to fill out these "payday loans" and want to take a buisness down for collecting on a debt, that i havent seen on here that anyone has fessed up to. but want to call the FTC, FBI, BBB, and ETC. about how people are collecting. honestly. why dont people stop being so noisey and put back atleast what you borrowed, stop causing more drama to the attorneys that probaly have something better else to do instead of helping dumb broke people that are in debt! face the reality! you are trying to find away NOT to spend your hard earn money but take time to sit at the computer and complain! im actually, practicing in law my 1st year and interning in texas, the law office i work for gets a call about f.d.c.p.a and the attorney said that "why do people put themselves in stupid situations?" and told the man and his daughter that was being threatened to just pay off the debt that she originally borrowed. make this easy for yourself(s) pay what you owe and dont waste other peopls time.

LAW STUDENT 79

Guest222

Lawstudent79-
My situation was NOT supposedly over a payday loan...they got all my private info from the payday loan place (which was paid in full back in 2005), and then called me trying to tell me a medical bill from 2007 hadn't been paid by my insurance, and that I was now responsible for the balance. When I asked for documentation, they refused and when I said I needed time to contact the insurance company to find out what happened, they started threatening me. We had some issues with the insurance company in the past not paying bills, so I thought it could be possible...so like a fool I went ahead and paid $1000 to them and THEN contacted the original hospital. Only then did I find out that the hospital had indeed been paid by the insurance, they had never sent anything to collections and I was out $1000 bucks! To make matters worse, they (Spellman & Roman) tried calling and demanding even more money AFTER they got the $1000 fraudulently! (I guess they figured if they had gotten it out of me once, they could do it again.)

I agree that if you took out a loan of any kind, you are responsible to pay it. I paid for mine, interest and all. The issue now is that some of these loan places are selling people's private information to unscrupulous entities. If anyone on here has an outstanding payday loan, as a responsible adult you should pay your debt...but you may want to ask for the original creditor's contact information to pay them directly instead of dealing with someone who thinks they can operate outside of the law.

Bottom line...if you owe it-find a way to pay it...but if you truthfully don't think you owe it-do your homework!

HeyYou

Hey LawStudent79-

You can't punctuate, capitalize or even spell? And you are a law student??? I'm not sure that you are a shining star for the legal profession...LOL Not too mention that as a law student, you should understand the concept of following LEGAL collection procedures, right? Or are you preparing to be one of those lawyers who likes to operate illegally?

Or, perhaps, are you an actual representative of the bogus "Law Offices of Spellman & Roman"? Inquiring minds want to know!

BRANDI30 · Posted: Fri Aug 22, 2008 10:36 am Subject: PAY DAY LOAN

MS. SPELLMAN CALLED AND THREATENED ME THAT THEY WANTED ME IN THE SYSTEM TODAY. I ASKED WHAT DOES THAT MEAN AND SHE STATED SHE CANT TELL ME THAT. BUT I WOULD BE EMBARRASED AT WORK. I WAS GOING TO LEAVE WORK AND PAY BUT, WHAT LOAN AM I PAYING? SHE WILL NOT GIVE ME ANY CREDITOR INFORMATION.

Guest · Posted: Sat Aug 23, 2008 1:01 am Subject:

DON'T PAY ANYTHING UNTIL THEY PROVE YOU OWE THE DEBT!!

Posted: Mon Aug 25, 2008 8:41 am Subject:

I think they are calling me again, but this time they called from 877-836-0073. I Googled this phone # and references to Spellman & Roman popped up. Huh! I went onto Bud Hibbs' website and read what someone wrote about Spellman & Roman. Same scare & threat tactics as I got back in April '08, I cannot believe that the company keeps morphing into other companies when the old one gets shut down.
One person researched the company's DBA's and the current list is: State Predisposition, Jacksonville Law, Offices of Winston Law, Offices of Sydney Roman, Law Offices of D.C. Miller, Bass Associates and Spellman and Roman...all name changes within the last 6 months!!!

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