Law Offices of Marshall & Ziolkowski

Here is a statement to all looking to clear debt. PAY YOUR BILLS!!!!!!

I actually just received a judgment, it's on the top header of my credit report. The plaintiff was labeled as Marshall and Ziolkowski. I've never heard of this firm, so I googled them. They seem to be a debt brokerage office. They purchase indebted contracts and sue them. I never received a notice from them. I would have just paid off my account if I knew about it. Here's another thing.. the judgment is three times the amount of the line of credit.. go figure.

Think of things this way---im sure some people make mistakes with credit cards and debt but in the end it makes sense to just pay what you owe. What if the $$ was owed to you--you would wanna sue!! Right?

also.. I called them and ended up paying the whole thing off. They told me they attempted to contact me, I'm not listed so they didn't have a way of reaching me. Just goes to show.. You can't hide from debt. lol. oh well, at least it's taken care of now. Big load off my shoulders.

Those morons know of the rules the Federal Trade Commission has against people like them from calling your place of employment and bugging your relatives repeatedly. They assume the person they hunt for isn't aware of the FTC rules and gamble making calls to their place of employment and get you to start paying them when they know damn well they can't do this. They did this to me and I hope I can muster up the funds within the next couple of years to sue their **** for harrassment.

[color=Red]****Adult term removed - Jason[/color]

Don't owe them crap, if you're going to file suit against them for fdcpa violations, you have one year to do so. If (probably) they violated state laws, there is a similar timeframe in effect. You might try looking for an attorney on naca.net.

They are taking me to court for fraud. I've had an outstanding account w/ bank of america since 2002. It was at $1000 when i left it, and now they said its at $9000. They also said that I left it at $4000 with the bank. I asked for proof through mail, but all he gave me was my social security and address. Right now i'm preparing a debt validation letter. Did anyone else experience them? They are rude and I don't like dealing with them. Did anyone else get charged for fraud by them? Any advice would be great! Thank!

Wow, how exactly do they say that you committed fraud? I have never dealt with this company but that does not sound right. You are doing the right thing requesting the debt validation. Hopefully someone will be along soon that can give better legal advice than I can. Good luck :)

They said that I borrowed money and never had the intention of paying it. I wanted verification so I could start making payments but they want the full $9000 which i don't have.

I don't know that they could make a fraud charge stand up in court.....things happen and people get behind and it snowballs. Just stick to your guns and get that debt validation and go from there. Let us know what you hear from them. They inflated the balance quite a bit........

They are your typical Buffa;oe loan sharks. Stand up to them and they go away

Do not send them anything I went throught the same thing with this company these guy's are scam artis. They call my house and said I old 3925.00. Call the BBB and put a fraud alert on your credit report

I send a letter of validation to them just to be on the safe side. Thanks everyone! I'll keep you posted!

Vin, you did the right thing. If they can't validate the debt, then they have nothing to stand on. Good luck, and let us know how it goes. :)

Please remember people if you made the slightest effort to pay,the fraud charge has no legal basis to stand in a court room.

Everyone listen!!!! Ignore every phone call from these crooks... They are ruthless and do not care about anything... Just avoid them if at all possible. Tell them they have the wrong number and they will move on to the next......

budhibbs.com/debtcollectorpages/marshall_ziolkowski_cmts.htm

:evil: These Muther frs called and threaten to sue for $$$$ money I have been disputing for 12 years and never owed. I have a letter from the original creditor stating that I don't owe the money and this was 4 years ago!!! nothing for four year on credit report and then the call from some little **** threatening me!!! I can't wait. The original disputed amount was $141.00 dollars the asshole says I owe them $641.00.... any ideas

[color=Red]****Adult term removed - Jason[/color]

Minerep,send them a copy of the letter from the original creditor showing payment and your own personal love letter telling them to go pis* up a rope because your debt is paid and no longer exists.Send it certified return receipt mail. If they continue to collect after receipt of said letter,sue them for damages.

Vin, I have the exact same issue, the debt that I had from Bank of America was from 2001, and it was 1,000. Now they are claiming that I owe 8,700. This company has been calling and harassing my family, friends, even had the nerve to call the church I attend!!! They told my family member that they were at the courthouse filing a judgement at a courthouse in Florida, and I had two hours to reply. I had never even heard a word from them prior about the debt. Then I find out that they are located in New York!! They also did not respond to my request for debt validation yet. SHADY!!

I just got something on my credit report saying that I owe these guys 2475! It said that I opened a ANB college classic credit on 02/07. I didn't! The contact number on the credit report is disconnected.

I was just in contact with the Marshall Ziolkowski shysters. I asked for a verification letter, their license number, their registered agent number, proof of their legal authority to collect debts in Florida,and proof that the debt had not surpassed the statute of limitations; the agent became hostile, told me I am not entitled to any verification, that he had done me a favour by calling me, and hung up the phone as I was responding.

Shenanigans are afoot.

I just received a call on behalf of my father. They are stating that he owes them over $3100 from 1994. They offered to take $1000 off the bill if he pays them by 5pm today. When continuing with the conversation, he brought the balance down from $3100 to $1000. It didn't seem on the up and up so I decided to investigate the firm. I am glad that I did. They are waiting to hear from him with all the information. Can anyone tell me more information?

They just called and are asking for $$$$$ from my father who they said owes over $3100 from 2003. Has anyone else deal with them?

I'm glad I found other people going thru the same thing I am. This company called harrasing me with the same scenarios I'm reading about here. They threaten to sued me and even garnish my wages. The nerve! They also told me that I owe them $9,000 from a credit card debt. A credit Casrd that I have not owned since 1999. Does anyone know if they are licensed to collect in FL. or even how to get rid of them?

Thanks,

I have been dealing with them over a suppose debt from Bank of America from nearly ten years ago! I also asked for details as nothing is on my credit report of such debt and I do not recall it...they could only send me an affidavit from their office. This doesn't prove anything! Now they say they are suing me! Something just didn't seem right to me!

I talked to Patrick "Payne". He said he hoped I didn't have any children.... someone like me should not be raising children. I am a nurse... I do not even know what debt he is talking about. I could not get him to slow down enough to listen to me. When I told him to send me the information... I was not worth killing a tree to send me the paper

These guys are what you call scavenger debt collectors. They buy debt from creditors that the creditors can no longer legally can collect on. This is becoming a big time business!!! If they call you do not arrange any type of payment and do not admit that the debt is yours. (It seems like they also like to make up ficticous accounts) Instead mail a certified debt verification letter and also be sure to include a letter stating you no longer wish to be contacted via phone or internet. That should put an end to it, but if doesn't be sure to record and copy everything so you can sue the pants off of these scumbags. DO NOT DEAL WITH THESE GUYS!!! These guys know the rights we have better than we do so as soon as you stand up to them they will go away. They do not want to go to court because thye know they will lose.

These people have contacted me recently, and I know they are not legit. Similar stories, with similiar names, so don't let them get away with this "FRAUD" that they are doing. FTC, GEN ATT, BBB, whatever you can do to bring them down. The more reporting the better. God Bless.

budhibbs.com

Last December I recieved several calls from them being young and scared I payed them over the phone by cc. Stupid me wouldn't just hang up like my hubby told me to. They e-mailed me a letter stating that the account was paid in full. I asked for a letter through the mail and I have yet to recieve on. 3 days ago my phone rang it was an automated message. Regaurding none other then....... The same account number that I paid off 6 months ago. I have just stopped answering the phone.

I was thinking about paying this company because I've heard how some people have had wages garnished and they have shown up on their credit report. Should I pay any attention to this Marshall and Ziolkowski? They are frauds, but why are they able to accomplish what they have? And will it continue?

Ie: The Law Firm of Marshall and Ziolkowski

On Thursday August the ninth I received my first call from Marshall and Ziolowski, They began the conversation by stating that Providian Visa is suing me. I was surprised because Providian Visa did not sound familiar to me. Come to find out. It was a credit card I applied for when I was 18 years old. It had a 300.00 limit, and apparently I never paid it off. This may have some merit of truth although I am not sure how much as I was not good at keeping records in my younger years. She went on to name call and accuse me of fraud. She said I defrauded the company and they were going to sue me for the worst kind of fraud, insisting I would never be able to get credit in the future If I did not clear up the matter of the now 2800.00 balance. I asked her why I had heard Nothing of this in the past 7 years, she said it was my responsibility to check my credit reports. I became upset and asked her for her name, as I knew that the way she was speaking to me cwas not lawful in any way. She refused to give me her name, I asked 3 times. I also asked for the spelling of the company she worked for and she also refused to give me that information as well. She hung up on me so I called back and asked to speak with her supervisor. She then told me I was being recorded, and of course COMPLETELY changed her tone to a semi agreeable manner, while I look like a nut for being so upset. She lied numerous times during the recordining, insisting I never asked her name and she accused ME of being the one that was lying. Furious, I hung up, I thought to myself no company this unprofessional could possibly go through with their threats of taking me to court.

Later, I started to worry that maybe in some legal loop hole they may be able to accomplish their goals so I called back, and someone else answered. His name was Mike Risers he again claimed they were a law firm and that the lawyers he worked for would not compromise their bar licenses by running a bad business. He insisted that he could clear my debt with 100.00 today (over the phone checking information) and 600.00 by the first if the month. This is laughable at best. I am a single mom and college student, recovering from a serious illness, I do not have that kind of money. When I tried to explain that to him and request a payment plan, he became just as nasty as the first person I spoke with. Spouting threats and calling me names, telling me I needed to borrow the money from someone. He also reacted this way when I refused to give him my checking information over the telephone. I had no sort of proof this company was legit. I was NOT going to share my personal information under any circumstances. I asked for something in writing. He said he would send me an email in two hours, and If I did not call back before 9:00 with my checking info they would prosecute me to the fullest extent of the law. I never received an email. I did a little online research and found Nothing about the firm accept claims they were NOT a law firm at all. And, a forum with complaint after complaint of mistreatment and pending law suits.

Today, they phoned again. I asked why the email was never sent. And at this point an email is not good enough. I wanted proof in writing. I asked the man Ross was his name, to please send my a letter in writing by mail. He insisted that four previous letters had been sent. Which is a lie. I have received nothing from them at all ever. As a matter of fact during the first conversation I had with the woman I spoke with initially, she said it was my responsibility to check my credit reports, she did not claim to have notified me at all when I asked why this was the first I was hearing of this issue. Ross insisted that they could not mail me anything, and that I needed to go to a fax machine to receive a fax? I refused, and asked once again for something in writing. He again refused. I am not sending money to a business that refused to notify me by mail, lies over the telephone, and has numerous horrible reviews on the internet. I am not even sure they are an actual company? I feel like a victim of fraud, or like I am involved in some sort of scam? They are very good at making you feel inferior and like you have no rights. When I would ask for something in writing or question their legitimacy, they would become abusive and angry, saying they were doing me a favor and I had no business questioning their integrity. I have still yet to receive an email even though Ross insisted that one was sent. I feel like they are intentionally making me out to be a lair.

Bottom line. I do not feel comfortable dealing with this company. They have proven to be completely unprofessional, rude, abusive, and shown themselves to be liars. And if somehow they can take this matter to court, I plan on fighting as hard as I can, to prove their dishonestly.

does anyone know if they have a website or listing, i want their address and phone number

Here is info. from Bud Hibbs.

Agency Details

MARSHALL AND

ZIOLKOWSKI ENTERPRISE, L.L.C.

(Aka/MAZE)

8201 Main Street

Williamsville, NY 14221

Phone: 800-690-6293 - 866-236-4190

716-635-6190

716-635-6187

716-635-6180 -716-635-6181

Fax: 716-692-4662

BREAKING NEWS!



ACCORDING TO EMPLOYEES WORKING THERE

MARSHALL & ZIOLKOWSKI IS NOW A LAW FIRM.



APPARENTLY OWNERS KEITH MARSHALL AND RICHARD ZIOLKOWSKI HAVE EARNED THEIR LAW DEGREES. FUNNY THOUGH, THE NEW YORK STATE BAR DOES NOT SHOW ANY LAW OFFICE IN OR NEAR BUFFALO, NY CALLED MARSHALL & ZIOLKOWSKI, ATTORNEYS AT LAW.



COULD THIS BE YET ANOTHER SCAM TO RIP YOU OFF?

I got a call from the them.....they said I owe them from a debt in 1997-2001......I told them to send me a letter.....They also grabbed a credit report.....
So with the letter, the phone call and the credit report I can sue them for 3 counts......easy money for me.....thank you fdcpa...
you know what sucks....my lawyer gets 1/3.....
1. They can't call me.
2. Writing me a letter telling me I owe when I don't...wanting money to make it go away.....is fraud.....
3. Pulling my credit report is a big NO NO.....
A collection agency has 4 years from the Charge off date to sue you.....anything after that is on them.....So they will try everything under the sun...if you pay them....the date starts from that date....So...Say you owe 21,000....but if you look at your Credit report its been 6 years since the charge off....you want to buy a house so you pay it off....they could just keep it on your credit report for another 7 years from your payment....and you only had to wait One year and it would of fell off your credit report....There is nothing they can do..4 years from the charge off date...and.....after 7 years...its done...over....
Yes you made the debt...But remember you are not paying back the credit card company...you are paying the collection agency....they purchased the debt from the Credit Card company....So you are wasting your money....So if you might feel better paying it off.....then go right ahead...Just remember...there is heaven, hell, purgatory and the pit full of shit where people who give away their money go to stand on their head...Yes...God's Laughing too........ :lol:

Been dealing with these guys over the last couple weeks. Apparently I made them mad when I called them out on their numerous fdcpa violations and they decided to retaliate by pulling my credit. Illegally. The debt in question was my husbands from before we ever met. I contacted my attorney and here was her advice.
She suggested:
1) you file a complaint with the state
bar in the state where you reside,
2) file a complaint with the state
attorney general's office and
3) file a complaint with the Federal Trade
Commission.

Some recommendations.

- File a complaint with the BBB. They are not a memeber of the BBB, but you can file a complaint online. They are listed with multiple addresses here.


- Send a letter to them (use the 8201 Main St address in Buffalo, NY) and demand validation of the debt. They must provide a copy of the original documentation you signed - the credit card application, etc. Make sure you send it certified mail and with a certificate of mailing (they don't have to sign on this and it's proof you may need.) They have 30 days to comply. Don't worry, they won't respond.

- After the 30 days you can send copies of your letters and a letter of complaint to the FTC
FTC-CRC-240, Washington, DC 20580. They can face civil penalties for their violations.

Please know your rights. Yes, we should all just pay our bills, but there are statues for a reason. If a creditor can't get their poo together within the limits of the statute, too bad on them. These guys are bottom feeders.

They cannot threaten you with wage garnishment or leins, etc.
They cannot discuss the debt with anyone except the person in debt unless given direct permission from said person.
They can only contact you between 8am-9pm.
The list goes on.... You can find all this information in the FDCPA
Just google FDCPA and you'll find it

These people are simply trying to find the easy targets and scare you out of your money!

Unless I am mistaken, there is no clear cut time they have to respond to you. You have 30 days to dispute the debt with them when they write you about the bill

Some of them never fully validate either, just give you a computer generated paper with a bunch of nonsense they make up!!..KAren

there has to be some time frame in which they must respond appropriately.

Marshall and ziolkowski do sue debtor if you getting calls from them your the reason for notpaying your bill they helped me settle my acount and i save 10,000.00 i think people who argue the fact of oweing money are the ones who have no money grow up and pay your bill and be nice to them and they will help you its all on how you talk to them so pay your bill and stop making them look bad because you cant pay marshall and ziolkowski thank you for the help and savings

To whom it may concern:

Marshall and Ziolkowski aren't that bad. But I did some research on these guys. come to find out they have some really good atorney's. I also found out that there move of a debt settlement firm. yes they inflate the bill. But they can per contract. We all get in a bind at times and it's our own fault that were in this mess. Fraud for not paying getting a judgement,lien, garnishment, or even a wage garnishment just settle you debt out any question let me know I'am the wiz Beware Marshall and Ziolkowski do take legal action so before you start disputing and validating. Work out a settlement for around 80% of bill maybe even less. In my eyes Ithink there a good company slash firm..

sincerly yours,


[color=Blue][/color][size=6][/size]

LOL, it's so funny when the CA companies come in here and try and make it sound like they are some unknown consumer. What a joke, not to mention their grammar skills are usually at a 3rd grade level. Get your shovels out folks because it's getting real deep in here with the BS.

they told me that i would be federally charged with fraud for something that was not even under my ss# DO NOT COMMUNICATE WITH THESE "people" THEY ARE LIARS!!!!!!

I just received a call from a Mr. Tyler of Marshall& Ziolkowski and threaten me with 2 counts of Fraud based on my SS#. They gave me a case number, and told me that if they didn't hear from me with 24 hours that I would received a summons to appear in court. They are in Buffalo and I live in Arizona. My credit is already shot since 9/11/2001 when I lost my job and I couldn't pay my bills. I also had a repo that the finance company wants the remaining money on, but I can't pay anyone. I barely make enough to pay my overhead. I don't know that they know where I live in Arizona but they obviously have my phone number. What are the chances that I will be served a summons and have to appear in court? If I don't appear in court, will I be charged with a no show at court? I know that I have alot of unpaid debt, but paying it all back I would strangle financially. Will this just be another blemish on my credit report for not paying back my debt? I can't afford to claim bankruptcy either. Please advise. If I don't file these letters back to them that are mentioned to try to counter sue, what happens then.

They will not file a judgment on you! Send them a letter requesting a validation of debt. Also request a copy of the original contract showing your signature. Every state is different, but I'd be willing to bet that 1.) they wont provide you anything. 2.) if they were to somehow manage to provide this info, it would be beyond the statute of limitations for collections.

I suspect that the couple of posts from people saying that they are "not so bad" come from employees of this fraud company.

Do your research people and know your rights. You can post on here and say "pay your debts" but these guys are FRAUDS! As a pp said, if you paid these debts they are asking of you, it will show up fresh on your credit reports. Knowledge is power.

They better, 'cause they're gonna need them! M&Z is NOT a law firm. Bottom line, wait for them to claim they are a law firm, then SUE them. Then you'll see what kind of good lawyers they have. Actually, you'll see what good check writters they are. Remeber folks, they are tracable. Traceable means SUE-able. Do the right thing, dispute the debt properly. They will screw up, THEN SUE THEM. No more of this playing around. They want to play hard ball...let them play. BTW, if you're going to complain about them, send a copy of your complaining to the NY Atty General. Let him shut them down permenantly.

They called my mother about a debt of my brother's mother inlaw. don't know how they got her number. They called her a f'ing****.are filing a complaint with the police department.

[color=Red]****Adult term removed - Jason[/color]

People .....If I can say anything it is pay your bills. I was hit with judgement paperwork. I wish I would have paid my bill. Marshall and Ziolkowski will take everything that you have.

I actually just received a judgment, it's on the top header of my credit report. The plaintiff was labeled as Marshall and Ziolkowski. I've never heard of this firm, so I googled them. They seem to be a debt brokerage office. They purchase indebted contracts and sue them. I never received a notice from them. I would have just paid off my account if I knew about it. Here's another thing.. the judgment is three times the amount of the line of credit.. go figure.

You may have grounds to dismiss the judgment due to improper service if you were not served.