954-735-4455 - Does anyone know this phone number?

I just went to court yesterday for these assholes and they didnt even bother to show up for the Pre-Trial meeting. I can tell you this - KNOW YOUR RIGHTS. The person handling my case knew nothing about it. They gave me an amount owed on the summons, yet when they get on the phone they jack it up like $600 more. Are they idiots?!?! I told them I had a binding summons with an amount and they can't just throw on dollars they cannot prove. The mediator told me that almost everytime with Zacheim they know nothing about the case, they just have a sheet in front of them. Again, know your rights and fight back. I did and saved about $2600 because of it.

However I settled, gave them my payment info over the phone and received a confirmation number. However now that money has never left my account and my bank says there has not been a request for that money. In my settlement agreement I was to pay by the 13th or they could get a judgment against me. I bet on anything they are going to try to screw me that way. Even with a mediator in the room.

Anyone and everyone who can needs to send complaints to the BBB and the FDCPA against these people. They seriously need to be stopped.

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Crooked Organization I settled with their Lawyer they sent me stipulation papers that was not my settlement went back to court Judge forced them to sign the original settlement. They are assholes and liars. But thank God I had a fair judge so I got what I wanted

I have contacted this company on four occasions to have my settlement letter mailed to me. My debt was paid in full the early part of this year however the company continues to put me off each time stating that the letter was mailed to the address on file. They are rude to deal with and know that they have the upper hand so they treat people like "CRAP"

Anyone ever actually beat these guys? No show in court? Docs not provided? Etc.?

Chances are that if you sent them the cease communication letter yourself they laughed at it and kept on on their efforts to collect or sue you I will recommend a consumer lawyer you can countersue them if they do not stop bothering you

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My wages were garnished a year and a half ago by Zakheim and paid off, or so I thought paid off July 09 $5700. Well today my paycheck shows they have begun garnishing me again! For a debt that was allegedly satisfied! Called them and they were less than helpful saying I could only speak to my acct rep and she was gone for the day. It was 3 o'clock! My payroll department at work shows I owe an additional 1300$.

I am so frustrated but I think they have my by the balls (excuse my language). Theres not much that can be done when garnishments are being done but who's to say another year from now they'll say I still owe them money! Any advise is appreciated!

Get a different job.

Had my first encounter with this firm. I could not believe what I was hearing on the other end of the line. At the end of the phone call I was transferred to the super whom I left a message for. I wish that I would have seen this website before I even called them to set an arrangement with them. Something in my gut told me not to give them any account information over the phone or make any arrangements because like I am reading they are not going to perform in an ethical manner to begin with. It just amazes me how attorneys who are supposed be on the side of the citizen can want to be so rude and obnoxious. I am tmepted to just pay them off with what little money I have and be done with it. But I don't know if that will suffice for them. I asked if they wanted a kidney and that seemed to have gotten to the guy. Aren't there any law firms who can fight back against these guys? Does anyone think that paying them off will put an end to the debt? And yes they would give me nothing in writing.

Call 866-833-6398 they can probably get you a settlement 20-30 cents on the dollar.

Rude and arrogant people. Noisy background, hung up when I told her I could not hear her because of the noise other people were making. Never had a Target card so it cannot be a collection from them. I filed bankruptcy anyway to get rid of every negative thing on my credit reports anyway. Will disregard all their calls. I don't have that phone number anyway so they are calling someone I know which also irrates me.

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Mr. Zakheim and Assoiates Collectors

These below are the things that you can and can not do. Ok now that we know that.

STEP 1: Once you get your judgment, there are two things you should do. First, obtain a judgment lien by recording a Judgment Lien Certificate with the Department of State, which establishes priority of lien on the judgment debtor/defendant???s personal property. Next, you should obtain a certified copy of your final judgment for recording with the Clerk of the Court in the county where the real property is located. We will explain below why it is a good idea and how you do it.
STEP 2: In order to have the Sheriff levy upon (seize) the judgment debtor???s property, you must first locate the property. The Sheriff will not do this for you. Remember that there are many kinds of property the Sheriff can seize in your behalf. Land and buildings are called real property. Movable things, like cars, boats, furniture, and jewelry are called personal property.
There are some kinds of property the Sheriff cannot levy upon. The main kind of property the Sheriff cannot seize is a person???s home. A person???s homestead is exempt from execution. The judgment debtor may also select personal property worth up to $1000.00 and one motor vehicle worth up to $1000.00 as exempt property. Only people have exemptions. If your judgment is against a corporation or a partnership, the Sheriff can seize all the property in the name of the corporation or partnership. Of course, the Sheriff an only levy on property the judgment debtor truly owns, not property owned by someone else, such as leased property.
STEP 3: Once you have located the property, you take a copy of your judgment to the Clerk of the Court that issued the judgment and ask for a document called a Writ of Execution. This writ directs the Sheriff to seize property of the judgment debtor/ defendant, which is subject to levy under your Writ of Execution, you then deliver the writ to the Sheriff???s Office in the county in which the property is located. You must also give the Sheriff written instructions called Instructions For Levy. These instructions specifically describe the property (real or personal) and tell the Sheriff where it is located.
The Sheriff will require from you a cost deposit to pay the statutory Sheriff???s fees and cost of levy. You will get your deposit back if the execution is successful and the Sheriff???s sale brings enough to pay all costs. You are responsible for all costs of levy and sale if the Sheriff???s sale does not bring sufficient money to cover the costs. After the costs have been paid, your deposit will be returned to you.

And this is why you shouldn't do it.

0) I own very little personal (things / properties) and all is worth about $500 if that.
1) I am a disabled person and on disability, I don't get much money a month.
2) I am very ill and have been for many years
3) I do not own a car and if I get one I'll make sure it wont cost me more then $1000
4) I don't have a home and the one the my name appears on is not mine but a friend and it is double homestead.
5) I will file a Motion in the court
6) I was making payments to you guys for along time, I didn't stop paying you, you stopped collecting it on your own.
7) I know you are a Scavenger deb collector and a lawyer, so you should know what to do now.

These are things you don't know about, because this happen before you guys bought my account from another collector, how this charges tome to me, I don't know and I was trying for years to talk to the bank to let them know and to fix the errors, but didn't go any where with them. Do you remember back in time 2007 when all the banks frauds with all the extremely high interest and charges to card holders for no reason at all, well I was one of them.

1-800-531-5490

Zacheim and Associates are lethal preditors. They will stop at nothing and do not care about you. All they want is the money. They are never to be trusted. They will screw you over and over. Get an attorney, file for bankruptcy if you can, and get them off your back. I had to go to a pretrial conference with a mediator who did nothing. It was evident from the very beginning that they weren't following the papers I rec'd that said both parties must be prepared to settle. They refused to accept $100.00 a month and said the full amount was the only thing they would accept. They are rude and mean. They violate the laws repeatedly. I reported them to the BBB and the FDCPA and I am filing a lawsuit against THEM. I decided if I have to spend money I don't really have, I will spend it taking them to the cleaners. Someone needs to.

calling cell phone for someone who no longer owns this cell - calling 6 times in 8 minutes. contact fcc and attorney general for harrassment!!!!

I will be doing the same thing to them! Just gonna wait until they rack up more court cost! HAHAHAHAHAHHA SCUM BAGS! They just don't get it...if you couldn't pay the REAL creditor...how can you pay them? Dumb azzzzzzes! I can't wait to burn them! :p

They have called me every morning, noon, and night since I have received the summons to appear in court. I have politely told them I do not have the money. They still call. Is this not harrassement? I am not making excuses or trying to get out of paying them. I do not have the money. I just emailed them and requested they stop calling me and wait for the court date.

They took my wife to court for her target credit card, at the time she was not working, we agreed to make payments of $40 per month and paid for appx 6 months. Now I have lost my job and we have not been able to make these payments.
They are now sending letters and copies of the court case doc's with a form for her to fill out of her income and assets to be notarized and sent back to them.
No matter what, we can not make payments..I do not intend on sending them back any responce..
what do you think I can expect from them? Another court case?
The card was in my wifes name only, she does not work, we are broke and ready to lose our home to foreclosure. We would gladly have paid target or them but cannot..What to Do?

25% or less is the going rate for debt settlement these days.

My husband and I had to deal with them when we had a debt collection against us and they were NO problem at all.....We paid them the amount requested by a Credit card company and it was settled. Our problem came when the CC company wouldn't actually take our PD IN FULL off the Credit scores thus lowering the score. Hope this helps;)

I am freaking out. this law firm called me this morning and left a message to call back.
they seem to do what they mean. I didn't contact them yet as I want to find out more and thank god for this forum!
My home's mortgage hasn't be paid in months, so technically I don't own it. I only own my car and don't have a job. My husband works, question if a card is in may name can they touch his wage?
My car might be worth $5.000 no more. do you think they would still go after me?
How important is for me to contact them as soon as possible?
Thanks.

I am in your same situation..
let me know if you find out something

Will be meeting an attorney on Wednesday. Will let you guys know if there is hope! Any help would be appreciated!!!

Been served with summons from Citi/Z&A. Around 6K. Can't afford to settle, don;t want a judgement, they wanted to do a $300/month payment plan. Could i get a better payment plan if i went to court or will that make it worse (higher debt?) Yeah, they wanted my bank account and refused to put anything in writing.

Tried to set up arrangements with them in 3 pymts, they wouldnt accept, either reduced lump sum payment or full amount so much down and then an amount every month. They told me they would send agreement, sign it and mail it with the check. Well, I didnt recieve the agreement till after the first payment was due, so I already defaulted on the agreement. They sent it in the mail the day the payment was due, postmark is the proof. In this agreement it stated if any payments were late it would be considered a default. I called asked them to send a new agreement, they refused. Yelling and screaming at me, that I defaulted. As to speak to a manager, I asked them to email me one, they refused, she was rude, probably just another telephone worker, I spoke with her before, she just didnt have my account. I nicely said, "thank you for your time" I guess I will now see what happens in court

Yes, Zackheim can be beat. Quite easily, actually. Was served a summons last year for small claims court. The idiots only attached a single credit card statement. Like that proves anything, one single statement. They didn't even follow the Florida Administrative Rules for the charges they claimed in the complaint.

I quickly drafted an Answer to the summons pretty much denying the charges and filed it with the court. When I showed up to the pre-trial, a generic lawyer was representing them and about 20 other law firms. I simply told the mediator I filed an Answer denying the charges and I wanted a trial.We went back to the judge and the case was set for trial 60 to 90 days down the road.

The next day I filed Discovery with the court (Request to Produce, Interrogations and Admissions). After approximately 30 days, Zakheim had only responded to the Admissions and was seeking a motion to extend time. The idiots filed the motion but never actually set it for a hearing, so obviously that did not immediately happen. Knowing the first request to extend discovery is normally granted, I waited as the trial date drew closer. I had sent Zakheim a reminder about Discovery and they ignored it.

The day of the trial arrived and Zakheim withdrew the case (voluntary dismissal) because they knew they could not locate and produce all the evidence required to prove the case.

The lesson here is that we have rights. You do not have to automatically settle. In fact, that's exactly what they want. They want you to settle or not show up so they get a default judgement to make your life even more miserable.

YOU HAVE THE RIGHT TO A TRIAL WHERE THEY MUST PRESENT THEIR "EVIDENCE" PROVING THAT IT IS INDEED YOU WHO OWES THE AMOUNT, AND THAT AMOUNT MUST BE PROVEN AS WELL!

Make them prove it. The worse thing that may happen is they miraculously get their act together and you lose. If that happens, file bankruptcy. They lose no matter what!

There is plenty of information out there just Google for how to fight credit card lawsuits. Learn about the statute of limitations (time limits on how long they have to sue) and other legal protections you have. It varies from state to state. My experience was in Florida.

Went to court to settle a credit card debt of 4,000. Made it to mediation were we agree on a repayment plan of $40. a month at a 3% interest rate per Fl Law. My account is now on 5,700 at a 43% interest rate according to the asshole that answer my call. You will never repay your debt with them!!