**Look-Just came across a very interesting website

edcombs.com/FSL5CS/Custom/TOCSpecial.asp
This lawfirm Edelman, Combs & Latturner is a group of consumer protection and class action lawyers.

This website is apparently for a group of lawyers that wants information on several of the companies that are constantly complained about on this forum. They want info from anyone who has been contacted by them or sent a letter.

Here they are listed in alphabetical order:

Academy Collection
Account Portfolios (collection agency/ bad debt buyer)
Adler & Associates
Alegis Group
allied interstate (collection agency)
AllianceOne, Inc.
AllianceOne Receivables Management
Aman Collection Service
American Coradius
Ameri-CK
Ashwood Financial
Asset Acceptance Corporation (bad debt buyer)
Asset Protection & Recovery Solutions, L.L.C. (WI debt collector)
arrow financial services (bad debt buyer and collection agency)
American Recovery Systems (debt collector)
American Revenue
AMO Recoveries (Asset Management Outsourcing) (collection agency)
Associated Recovery Systems/ ARS National Services
Atlantic Credit & Finance
Bennett & Deloney
Blatt, Hasenmiller
Blitt & Gaines
Bonded Collection Corporation
Boudreau & Associates
Bowman, Heintz
Bronson & Migliaccio, LLP
Bureaus
Bureaus Investment
Burke, Costanza & Cuppy (debt collection letters)
Capital Management Services
Credit Bureau Enterprises
Capitol Credit Service (Madison, WI)
Cavalry (bad debt buyer)
cbe group
CCB Credit Services (collection agency)
Chex Systems
Client Services, Inc. (collection agency)
Coldata (collection agency)
Collins Financial
Collectcorp
Credit Collection Service
Credit Management Services
Credit Protection Association
Creditors' Alliance
Creditors Interchange
DebtOne
Diversified Adjustment Services
Dun & Bradstreet RMS
DUNSCOMM
Dymacol
Encore Receivable
Epstein & Frisch
ER Systems
Excalibur (bad debt buyer)
FBCS (Philadelphia, PA)
Ferleger & Associates
Financial Asset Management
Financial Credit Corporation (bad debt buyer)
Financial Recovery Services
First Performance Recovery
First Select Corporation (bad debt buyer)
FMA Enterprises
Fourscore (bad debt buyer)
GC Services (collection agency)
Gerald E. Moore & Associates
Grabowski & Greene
Gulf State Credit (collection agency/ bad debt buyer)
Guyer & Enichen
Harris & Harris (collection agency)
Harvard Collection Services
Heady Financial
I.C. System
Illinois Collection Services
IntelliRisk
J. C. Christensen & Associates
KCA Financial Services
Kramer & Frank
LTD Financial Services
LVNV
Macey, Wilensky, Cohen
Malcolm S. Gerald & Associates
McMahan & Sigunick
Medical Collection System/ Robert Mistovich
MEDCLR
Midland Credit Management/ MCM
MKM Acquisitions
Moss Codilis (sends demands for mortgage companies)
M.R.S. Associates (collection agency)
National Action Financial Services
National Asset Management Enterprises
National Enterprise Systems
National Financial Systems
Nationwide Credit
New Century Financial Services, Inc.
NCO
NCO Financial Systems (collection agency, bad debt buyer)
northland group (collection agency)
Outsourcing Solutions (OSI)
Phillips & Cohen Associates, Ltd.
Pinnacle Credit Services (collection agency)
Pinnacle Financial
Pioneer Credit Recovery
Platinum Financial Services
Plaza Associates
portfolio recovery associates
PRA III, LLC
Pro Com Services (Central Illinois collection agency)
Professional Credit Management
Professional Recovery Systems
Protocol Recovery Service
Receivable Management Solutions
Redline Recovery Services
Revenue Management
Revenue Production Management, Inc., doing business as RPM, Inc. (collection agency)
Salvatore Spinelli
Schwartz & Schwartz
Shapiro & Kreisman
Southwest Credit Corp.
Sunrise Credit Services
Surpas Resource Corporation
Tate & Kirlin Associates
Transworld
Trauner, Cohen & Thomas
Unifund (bad debt buyer)
Universal Fidelity Corporation
Valentine & Kebartas
Van Ru Credit
Walinski & Trunkett
Weltman, Weinberg
Worldwide Asset Management
Worldwide Asset Purchasing
Worldzen (bad debt buyer)
Zwicker & Associates

This may be worth researching.

Wow! This is real good information. Anyone who has faced the illegal collection methods from the above CA's will just have to call the law office. Sounds really interesting!! Actually, I see so many of these CA's discussed in this forum

Thanks TMD for doing such a great and helpful research. It's really appreciated

Their website also has a databank of creditors with their addresses, phone numbers and fax numbers...may come in handy for some of those hard to find companies.

Hey Malcolm S. Gerald and Associates are on there along with many others. thanks TMD for the info.

I just sent them an email, asking what type of info they need. I will let you know if they respond and what they say.

I also found this little piece of information on the website when I contacted them:

The firm will review collection letters and loan documents for consumers (not debt collectors or lenders) free of charge. Please fax them to us at 312/ 419-0379.

Interesting....

I just faxed him the letter and gave Ed Combs my phone number and email address for him to respond if he feels necessary. I guess there is someone out there listening to us.

They emailed me back already(I asked them about one of the CA's in particular)Here is their response:

Some of their collection letters violate the fdcpa. We were looking for examples. If you send the letter we will review without charge.

Daniel A. Edelman
EDELMAN, COMBS, LATTURNER & GOODWIN, LLC
120 S. LaSalle Street, 18th floor
Chicago, Illinois 60603-3403
(312) 739-4200
(800) 644-4673
(312) 419-0379 (FAX)
(I took the email address off)

Do you think maybe someone is finally going to do something? Look out junk debt buyers, an attorney is wise to the violations.

yeah..hopefully lots of people will read this and get in touch with these guys...maybe they can get some class action law suits going. I don't have access to a fax machine right now, but I am planning on faxing them a few letters to review..it's free, why not.

I noticed that Encore is on there....but Oxford is not. shirley

TTF- they would probably still take a look at anything you have from Oxford and make sure it is following the law. It is worth a try...I am sure they are willing to add more to their list if they are brought to their attention.

This firm seems pretty good. I sent an inquiry via their website a few weeks ago about three o'clock on a Sunday morning, not expecting to see response until sometime later in the week. I was stunned when I woke up at 8:00 Sunday morning and they had already responded.
It appears inquires sent through their website are sent to their attorney's blackberries and they respond immediately.

Well, I don't have anything in writing to prove that Oxford has done anything wrong. They just continue to call after I wrote and told them not to, and this has been going on for several months. I told them written correspondence only--since then, they haven't sent one thing in writing, just keep calling every day-after I told them not to. The calls have backed off a little now, to maybe every other day, or every two days then skip a day, sometimes they go three or four days without calling. But the fact remains, they call. I was checking to see if they do anything else wrong, if anyone else has had problems with them. Guess if they have, they haven't reported it.

I guess I could email and tell them that I had wrote this company for validation,(they are holding two accounts) and they sent back a list they came up with of last six months worth of payments on both accounts. That was all I got. Then I told them no phone calls written correspondence only. and they haven't honored that. They are breaking the law by calling after I told them not to. Shirley

What you have said in your post is enough to prove that Oxford is not honoring the laws of the fdcpa. They have violated the C&D rule by contacting you regularly. You must be having a log file of when they called you with dates and time along with the name of the caller. Send this list along with the complaint of the C&D being violated to the lawfirm. This is enough to prove the laws being violated and take necessary actions. It is when the company will get face to face with each other, the facts will be revealed about the debt validation.

Wow, I have two accounts with them. I've never had a problem with them though. There is one thing I question and it may be neither here nor there...
original creditor is fingerhut, phillips and cohen contacted me about it but its listed as their client being 'midland' as the original creditor not fingerhut. As I have asked this question before, can a collection agency collect for a collection agency? shirley

I heard something similar from a person saying that Asset Acceptance is also using a law firm for the collections. So, it does mean that a collection agency also hires another agency to do the collections.

The thing to understand here is how the accounts will be reported to the bureaus? Will three agencies appear in the file or just the CA/OC will be marked besides the accounts. I perhaps will have to do some research here and get some info for all of us.