I just got a call from one of Gerald Moore's associates. She gave me 24 hrs to come up with a large amt of money or they will contact my employee.
It is on a credit card debt. I'm afraid not to follow up on this.

I've been hearing from them for over 1 yr now on a credit card account transferred from my father to me. They have been threatening to both me and my dad and he isn't even on the acct. anymore. When I called the MBNA, they said they didn't have his name on the acct any longer so I don't see why GEM keeps harassing him too. They used to call everyday - sometimes 2-3 times both at my work and at home. They stopped for a couple of months and have now started again. They called last night just a few minutes before 9:00 p.m. I didn't recognize the caller id and answered but pretended I wasn't there. This lady told me that she had a "voice analyzer" and knew it was me; needless to say I hung up.

What is SOL?

GEM has contacted my father and my work. I live in Nevada. The fdcpa in Nevada states "may not contact your place of work and harass your employer, may not talk to third parties or send letters to other people about you or your debt, and may not constantly harass you through telephone calls".

Can I sue for not abiding by the fdcpa in the State of Nevada?

If the person doesn't have the pertinent information ie. date of charge-off,date of last payment from their records then they need to pay. It blows my mind at how individuals forget about their obligation and try to keep from paying once they have been tracked down. Your best option is to negotiate a settlement to close the claim and help yourself from having a judgment enforced against you. Everyone has different situations that keep them from paying but if you have the money PAY!! This is part of the reason why the economy is bad. People borrow on credit but have not paid on the accounts. We conveniently forget the promise we made when the account was opened/authorized for our use. If the shoe was on the other foot, would you want someone to make good on a loan to you?

I am currently going through the same thing that a lot of people are with Gerald E. Moore and Associates. I recevied a phone call at work and I told the man that my attorney sent them a cease and desist letter and not to call me anymore. The man then called my cell and said that I should act professional and GOD blesses those who act professional and he is glad that I hung up on him. He said that he is now going to pursue the case full force. I have contacted my attorney to find out about the Debt Collection Act and a few other legalities. I live in North Carolina. Also, if you go to the different search engines (google, yahoo, ask, msn) there are tons of posts about Gerald E. Moore and Associates and how to fight them.

Pay you bill

I too was contacted last week by this outfit. They never did tell me how much I was supposed to owe. The "lady" I was speaking to got very upset with me, told me their lawyer would be in touch with me and then hung up on me. Also, is the SOL the same or similar in every state and if so how long of a period is it usually?
When I asked for something in writing she said they had sent 4 letters to me already but I never received anything from them. She also said they had placed calls to me 44 times since September but the first one I got was last Friday, at least the first message they left on my machine. I've also heard that this outfit was a bunch of scam artists, is this true? Does anyone know anything about that?

I also had many problems with Gerald Moore and asoc.

Over a year ago, I began making payments after having convinced one of the associates "Darryl Jones" that I could only pay 50/month. "When I had more I would give more" I said to him. I also asked him if they would stop interest.

He said, yes it will stop.

My original debt from BofA was about 2,000.(it was later sold to this company "west asset management" Which I made payments to. even though all telefone calls were from "The Law Office")

I am from CA

I payed close to $1,500 until one day a few months ago I received another phone call from "the Law Office" .
A Mr Coolin left me a message to call him back.

when I called Mr Coolin back to check, a secretarial person said he was not there, but that he probably wanted to negotiate as I was not even paying interest.

Of course I was in shock and when I tried asking her more questions she decline to give me any more information.

Mr coolin called me back to tell me I owed more than 2500!

Of course, I complained, but all I got was his manager who insisted my contract with bank of america stated there was interest to be payed. etc etc.
He yelled at me and told me my monthly payments wich ranged from 50 to 200 /month was only to prevent them from taking legal action against me.

I am really confused about this debt, as I do not believe anything they tell me. I do not trust them!

I stopped making payments and submitted a complain to the FTC .
The FTC replied giving me some advise, one being to write to them and try to send them a letter first, before disputing the claim.

I did send them a letter (certified via USPS) asking them to
tell me exactly how much I owe, how much I have paid. Who owes this debt and from where it originated. I also asked proof that they were allowed to collect the debt from the company who owed my debt etc etc.


I also requested a free credit report from equifax to check what have they reported

I am still waiting for the response(and my credit report). My next step is to check on my credit report and if I disagree on their claims. I believe I can dispute the claim online if I disagree.

I feel totally screwed. To be honest I don't think anything will come out of this. I am so angry they will get away with what they did.

I tought I had made progress paying my debts with my mediocre income. Now I am not sure I can't do anything except save time with this dispute aproach(and maybe save some money) and hope I will have another 1500dlls to give these crooks so they can finally leave me alone.

My last payment to MBNA was Oct 2002. But last summer Moore & Associates seized my bank account with out giving me notice. Does this mean that a payment was made and does this make the SOL change. He is now stating with a letter dated March and postmarked June that he is going to garnish my paycheck for 6 months. can he do this.

having read your letters I can say this-most of you had stopped making payments long before your problems with GEMA started had you been willing to make restitution on your debts 3rd party would not have have started--future warning to you-call your credit card companies make payment arrangements and collectors wont feel the need to get aggressive with you

[KYSIDE38]

Why do collectors have to get agressive? Why cant they just act like human beings? When reasonable payment arrangements are trying to be made? They just want more and more. KYSIDE38

To whom it may concern, 10/03/2007

A CRY FOR HELP

Please help the little person fight corporate America and their lies and false statements

On, Feb. 16, 2006 someone representing Citigroup Inc at One Court Square, 14th Floor, Long Island City, NY 11120, submitted a rebuttal to Ann Luekeman, Consultant for the Department of Fair Employment and Housing at 111 N Market Street, Suite 810, San Jose Ca 95112, and the statement entered is false and full of lies . Ann Luekeman also conducted the interviews for the investigation and was also lied to by Jeff Ursino and Kathleen Munoz during their interviews. I feel that the case needs to be investigated due to the fact that the DFEH made their decision with false statements submitted by Citigroup attorney and their employees. Sheri Paulo, the Employee Relations director for Citigroup was aware of the false information submitted yet even though they/she said they would submit a new statement they did not and stood by the lies knowing they were lies. I was wrongfully termination, harassed, by Jeff Ursino, and I can’t understand how an attorney lies to the DFEH and then they aren’t held accountable. This is unethical behavior on all those whom lied and I have to pay for their lies. Citigroup violated several Ca labor codes in the process of firing me nor did Citibank follow their own firing procedures. I was not offered FMLA until months later.
I am begging that someone out there will help a mother who was simply trying to work be a mom and a wife making a honest living yet the manager and supervisor both lied as well as the Citigroup lawyers. Their lawyers requested more time to answer the DFEH yet submitted false information and this is unethical, please help us. I have been on disability since I was fired on 12/13/05 via UPS, I did not know I had lost my job until 12/15/05 because I was out on a workers comp pending case when I was fired. Violation 132A.My last pay check was direct deposited into my checking account, it was not included with my letter of termination. I would like to know who submitted these false statements for Citicorp and or Citibank and Citigroup. I don’t have a team of attorneys as they do or the funds to hire the right attorney to get to the truth. Please help us.

Sincerely,




Damari Stratford
1291 Ord Grove Ave
Seaside, Ca 93955
831-236-0112

What I find more interesting is that a couple of 'guest' comments & one from 'collector' are clearly from the overly aggressive & rude peeps we are all dealing with & complaining about.

Dear Guest & Collector (if u are still monitoring site) I understand that you make minimum wage & pull commission on the dollar amount in payments you generate. But here's a piece to the equation: consumers are becoming better educated on how you can LEGALLY interact with us.
I hear ya on the 'honor your debts'. But LIFE happens; check the stats for the bankruptcy % in the US. Whether you take it personally or not; there are needs that come before you or your original creditor. Most consumers do not enter into agreements with intentions of defaulting.
Take this into consideration next time you try your scare tactics; you reap what you sow. Call acting beligerent and rude; you'll get exactly that in return. IF we speak to at all. You'll probably receive an earful of laughter as we terminate the call.

Site visitors: arm yourself with the legal ins and outs of your situation. There are a ton of well educated peeps on this site; they are more then willing to help you. Dont give up! Dont give in!

Yeh these people are suing me too in Arizona Civil court for a arbitration award. I am fighting it as of now. Research all the internet boards for info is what I did. Fight it every step of the way if you can. I am doing it without an attorney. I plan to appeal if I lose. They are scum bottom feeders looking for people to scare into submission. Dont do it. There is legislation pending in Congress against these forced arbitration contracts. There is not fairness to the consumer. The deck is stacked in favor of big business and the banks. Good luck to everyone.