Law Office of Vincent Cignarale

No one comes here looking for excuses NOT to pay. In fact we do want to pay all our debts. I actually think that you coming on here and judging people without knowing their true intentions is pathetic.

I am glad you feel you can speek for everyne who comes on here or any other site like this but you are wrong. If you have intentions on paying the debt then why look for violations of the fdcpa and why use stall tactics such as a AOI.

Ans i am very aware of people who default on pay day loans. It is a advance on your paycheck and then you close your bank account two days later so they cant debit your account back. A person who does that and then comes onto a site like this looking for lame exscuses not to pay is pethedic and has no moral values.

Its pathetic not pethedic. Learn to spell

oh i'm sorry mr banner,i forget the part about me caring what you think.

yeah i am a very poor speller...but i am good at paying my bills : )

i guess it's nice to know your good at something.being a collector isn't one of them or you wouldn't be posting your hooey.

Why should I allow a collector rent a lawyer call me repeatedly at work to collect a debt I do not even owe. Why should I allow them to call my relatives. I am suing them and I am the one who has had his rights violated. End of story. Move on!

Actually anyone has the right to sue whether your an attorney or not. But if I were a gambling man I would guess that most people hired for collection agencies have gained their limited knowledge from being deadbeats. most are under achievers who are willing to work for small wages and truly feel like they are above others. They have never been in a possition of authority and feel like this is their big chance at life. They can make all the threats they want but I would warn them to check with someone who knows the law befor they start running their mouths about the law. And when your attemting to collect debts in other states they should be aware that there are different laws that apply. So put the crack pipe down and read a book. If you were so smart you wouldnt be working at a collection agency, you would own the agency!

If Cignarale's office sent a letter and has proof, it would have to be a signed returned receipt. If you didn't get the letter and you didn't sign a receipt, they don't have proof.

This "firm" is not a real attorney's office. They are a debt collection agency that uses intimidation and bullying tactics to exploit consumers' ingorance of credit and debt collection laws. If they told your mother they were attempting to collect a debt, they've broken the law. If they do not put it in writing, they are breaking the law.

If it makes you feel any better, they've been harassing me for a year and a half via phone. I've asked for it in writing. I've written them certified return receipt letters asking for such. I have never once received anything in writing from the Office of Vincent P. Cignarale. I finally have just decided to ignore their calls.

CIGNARALE IS A FORMER BAILBONDSMAN WHO GOT CAUGHT WITH 2 KILOS OF COCAINE AND LOST HIS LICENSE, THIS TENACIOUS PRICK FINALLY WENT TO LAW SCHOOL AND PASSED THE BAR..CHRIS HESS, THE MANAGER EXTRAORDINAIRE RECRUITED HIM AND NOW THEY ARE NOT ONLY VIOLATTNG EVERY FDCPA LAW IN THE BOOK, THEY'RE ALSO RUNNING A PROSTITUTION AND DRUG SMUGGLING RING OUT OF THE VERY SAME OFFICE. MOST OF THE "WORKING PEOPLE" ARE ABNORMALLY MALFORMED, SUITED MOSTLY FOR THE DARK UNDERWORLD OF BUFFALO FETISHES. IN FACT WHEN A LITTLE PERSON-4'2, WE'LL JUST CALL "MARK SHOLEWA", A CONVICTED RAPIST CAME TO WORK FOR HESS AND COULDN'T CUT IT AS A COLLECTOR, HE WAS FORCED INTO THIS PERVERSE UNDERWORLD OF FORNICATION AND DEBAUCHERY BY THE CIGNA-HESS TANDEM SERVING THE NEEDS OF THEIR MOST DEPRAVED CUSTOMER'S WORKING FOR ONLY HALF PRICE DUE TO CIGHESS'S TWISTED RATIONALE. HE WAS LATER ABLE TO ESCAPE INTO A TRAVELING CIRCUS, WHERE MANY BELIEVE HE HAS BEEN PLACED IN WITNESS PROTECTION.......

JHEINTZ - 7 Jul 2008
I WAS SENT IN AS A SPY FOR THE FDCPA, THE ABOVE NAME IS AN ALIAS........THE FOLLOWING ACCOUNT, A TRUE STORY....... I BEGAN WORKING AT CIGNARLE AS A COLLECTION AGENT WITH THE BEST OF INTENTIONS. I DID NOT EXPECT THE EVENTS THAT WOULD FOLLOW. I STARTED WORKING THERE ON A TUESDAY, IT SEEMED A FRIENDLY WORK ENVIRONMENT WITH STRONG ETHICAL STANDARDS. AT FIRST MY CASELOAD WAS BAREABLE. I WAS KIND AND COURTEOUS TO THE DEBTORS BUT ALL TOO SOON THAT WASN'T ENOUGH. MY SUPERVISOR WHOM I SHALL CALL JAY KERMP BEGAN TAKING LIBERTIES WITH MY TRUST. HE CORNERED ME SEVERAL TIMES AND EXPLAINED THAT IF I DID NOT REACH MY MONTHLY BUDGET HE WOULD DO TO ME WHAT WAS DONE TO HIM DURING HIS TIME IN MAXIMUM SECURITY PRISON FOR PURCHASING ALCOHOL ON 10 SEPARATE OCCASION FOR MINORS UNDER THE AGE OF 12. IT RAPIDLY BECAME AN ATMOSPHERE OF FEAR AND REPRISAL. WHEN I WAS FINALLY ABLE TO MUSTER THE COURAGE TO COMPLAIN TO THE HEAD MANAGER, A MAN WHOM I SHALL DUB MR. CHECKERS, HE PUT HIS ARM AROUND ME, LAUGHED AND TOLD ME TO DROP MY TROUSERS. HE PROCEEDED TO TAKE PICTURES OF MY UNDERGARMENTS AND TOLD ME IF I EVER TOLD ANYONE THAT HE WOULD POST THEM ON THE WEB. JAY, MY SUPERVISOR CORNERED ME SEVERAL TIMES IN THE BOYS ROOM AND MADE ME PERFORM LEWD AND LACIVIOUS ACTS ON HIS CAMERA PHONE, MOSTLY JUMPING UP AND DOWN IN THE NUDE SCREAMING " I LOVE JELLO!". I FINALLY TURNED TO ATTY CIGNARALE AND AIRED MY GRIEVANCES. HE TOLD ME THAT NONE OF
WHAT I DESCRIBED CONSTITUTED ANYTHING RESEMBLING A WARRANT FOR LEGAL RECOURSE. I FINALLY LEFT AND HAVE BEEN IN THERAPY FOR THE LAST SEVERAL MONTHS. EVERY SO OFTEN SOMEONE FROM THE OFFICE WILL DRIVE BY MY HOUSE AND ASK FOR MY TROUSERS...I USUALLY TELL THEM NO......

Honestly sounds like another bluff which is oh too common with these people. I assume you asked for the delivery confirmation numbers to verify yourself? I would highly recommend you calling her with some sort of recording device. If the number you call to informs you that you will be recorded there is no need to inform her you are recording the call as she has already waved her right to privacy. If there is no message simply inform her you are recording the call for court purposes and would like the delivery confirmation number of the debt validation letter she supposedly sent.

jhEINTZ, if that *really* did happen you have grounds for a lawsuit for harrassment. Any reasonable attorney would pick that up in a heartbeat.

I received a call from the a law office, but the name was changed from Cignarale to Signarale.

Hon, I think your SPELLING is "pethedic"! It's spelled pathetic, by the way. Hey, if you're going to use such "big words," then learn to spell them first, especially if you're in the middle of telling someone else how pathetic they are.

Thanks for the laugh (at your expense)!