Malcolm S. Gerald & Associates

Today I received a letter from these people and they want payment sent to them at Malcolm S Gerald and Associates 332 South Michigan Ave, Suite 600 Chicago, Il 60604, but they have an address in the upper left hand corner PO Box 1058 Oaks, PA 19456. Thats when the first red flag went up. Then I checked them out on the BBB site and they have a unsatisfactory record with the bureau. I am going to hit them with a debt validation letter.

Very interesting...a search on FindLaw.com shows no results...that is a database of all lawyers in the U.S. There should have been something on them on that site.

I am going to contact the Commissioner of Banking in Illinois tomorrow and see what I can find out about them. I will post whatever I find out. I forgot to post earlier they only want payment by Visa/Masterard only. Checks and MO not accepted. Red flag #2.

LOL, this guy has a website msgerald.com...you should look at it...makes him out to be a really nice guy, hehe

TMD you were right. He makes it sound so good, them WHAMO! [/b]

They are awful. Someone from there called my phone this morning and said the call was concerning information that I contacted HER for. and that if I didn't call back she wouldn't be able to get me my information. WHAT A BOLD FACE LIE!!
I called the company and the supervisor was so unprofessional and basically claimed I was making it up... What would I have to gain by doing that? I supposedly was on the line with the owners "wife" and told her they have other complaints with the BBB and she said "oh I know exactly what that's about..." and proceeded to tell me about this man and what his complaint is.
There has got to be a whole lot of illegal stuff with them, just shown in my experience with them today alone!
Ugh! Everyone RUN!

I am still waiting for my debt validation letter from them. They have stopped calling, but no validation has been presented.

I am so glad I found your postings. I almost gave these people my credit card information, but I always google bill collectors to see if they are on the up and up because there are so many cons out there. So, should I ask these people for a debt validation letter?

Definitely tkomom2, it is your right to get your debt validated. Besides, the federal laws also put stress on it so that you are aware that you are being contacted by a collection agency with legitimate purpose. All the details about your accounts that took place with the original creditor must be mentioned to you very clearly. If you find any of the items to be incorrect in the statement, dispute it. The information must be verified with the original lender before further collections can be attempted on you.

Thank you so much for this information. They just called me and I asked for the letter and he played like he didn't know what that was, so I hung up.

tkomom2, have your base covered by sending a debt validation request in writing to the company's mailing address. In case, if the company ever pursues a legal action against you, this letter sent to them will be your strong defense to prove that you took every responsibility to pay off the debt. But the company has failed to give you any information till date. Reviewing this, the judge will make a decision that will be always favorable to you. Send your letter through certified mail / return receipt requested.

I worked for this company for 9 1/2 and they were always on top of validating debits. If it is a credit card debit those are harder to obtain from the clients as these are usually second and third placements. But as far as a medical debit those are itemized statements. Malcolm s gerald and associates were always on their p and q's when it came to these matters and if there are concerns you should really direct them to the correct people so they can be resolved. Unless they have changed sinceI left. But they had a policy for us collectors to use and that was sympathy to the debtor and empathy to the client.

Thanks Shelly for your words on this subject. If the person with this issue would like to contect me directly, I would invite the opportunity to assist you with any issues you may be having. Feel free to contact me directly at (I am the president of Malcolm S. Gerald) We have been in business for 44 years and our history is collecting money in a professional matter. I hope you opt to contact me so this issue can be resolved.

email address removed per forum rules.

I always love when creditors come here and offer honest assistance. Gives me hope in mankind.

Well then, if you validate debts, where is my validation? Oh wait, its in the mail. Thats weird, because I never receieved validation. I've been waiting for eleven months and I get my mail everyday and I open all mail.

well he is given you the chance to to call why donm't you call him directly and he will get this resolved.