Law office of joe pezzuto - need advice on this collection agency?

I received a call this morning June 10, 2010 at 8:05Am on my cell from your so called company in regards to my best buy account. First of all I am not saying that I don’t owe the money but I have been having major money issues to a point where I have not been able to pay a lot of money to my bills.. I have been making payments to Best Buy when I can. I have been calling them when I have been able to make the payment.. The conversation I had today with your “office manager” was very frustrating I was flat out told that needed to come up with money somehow and that I should pay my bills. VERY UNPROFESSIONAL. I tried to tell him that I didn’t have the money and he said that I should have read the contract before I used the credit card and that I was saying that I was refusing to pay the debt I NEVER said that I said that I said that I didn’t have the money and he proceeded to tell me to find it I am willing to make payment arrangements but it has to be reasonable I know that I am not that far behind in my bill and I can do 60.00 a month until it is paid off but that is all that I can afford He didn’t even give me that option just that I needed to find the money .. and that if I didn’t pay the debt off that legal action will be taken I advised that I didn’t think that they could” best buy” couldn’t do that he told me I didn’t know what I was talking about. and proceeded to callme a dead beat. i also found this on a forum that i was reading this came from someone in that law firm 'THIS INFORMAITON IS FOR ALLOF YOU DUMBA**CRIMINAL LOW LIFE DEAD BEATS THAT RUN UP HUGE CHARGES ON YUR CREDIT CARDS, THEN DONT WANT TO BE RESPONSIBLE FOR PAYING BACK WHT YOU OWE.
"WHEN YOU DONT PAY , THEN IT'S MY WAY'
I WILL SUE YOU IN ANY COURT OF LAW REGARDSLESS OF YOUR STATE OF DOMICILE..
why would you post this nice peopel that we have to deal with right.... that just makes them look stupid
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I'm dealing with these people as of now. They are so rude and terribly unproffesional. I told this guy "Anthony" that i didnt have 15,000 to pay in one lump sum. He then asked me for take out a loan use credit cards or get a line of credit ... how rude! If i had the money in a lup sum i wouldnt be in this position, i asked him what are the options for a payment plan, he says no you need to pay it in full. i was so stresed out over it, he lied and said they dont do payment plans which i know is a lie. they saw a big debt and thought let's bully her to paying it out. mind you i just got out of college. so i thought of filing chapter 13 or debt consolidation. In the end the best thing for me to do was debt settlement of all my debts, he told me i couldnt do that and doesnt deal with "them". He's right! when i was trying to give the information for the debt settlement agency she couldnt find " the law office of Joe Pezutto. It's only when i put in the creditors address it came up. he then proceeded to say that he was tired of going back and forth with me and that he was going to tell the creditor that I RUFUSED TO PAY IT. can he even do that when i didnt even say that?! he didnt give me a chance to speak and he just hung up on me twice when i called back! i then called my debt settlement advisor and she informed me that i did my part i let him know what i was doing a, adn she told me he was unproffesional and not to worry myself because i did my part as a debtor.

I am dealing with these guys right now for a 20,000 debt that my X is supposed to take care of. I can say they are doing nothing but trying to strong arm people. I have never recieved any correspondence thru the mail from them and I asked them for their address. They asked me why I needed that and I told them because I need to send them a debt verification letter. At that point they started throwing well if you send that to us then we can't give you a deal on your debt. So I played their game and I said ok What is the deal. they said we can settle for 12. I said. How about 8? And the "real nice" fella on the phone said. Ok but I need to know tomorrow if you have the money and "I'll go to bat for you" Classic! So they told me if I sent a letter they were going to come after me for all of the 20,000. They don't want people to send them a Verification letter asking for signed contracts because they know the lending company has sold this debt to them and has washed their hands of it. And that 90 to 95 % of the time they cannot get the proper validation paperwork to continue to persue this case. If they cannot get the paperwork then they will have to dump this to another colletion agency and when that happens the chances of them getting the proper paperwork goes down even more. So don't be scared or intimidated use it to your advantage. But whatever you do If you make a deal with them get it in writing before any money is exchanged. Tell them you want the debt to show on your credit report as paid in full and as promised, You want no other collections against you EVER for this debt and that this debt is 100% dissolved.

regardless of who they are if they are attempting to collect a debt I would not give them information. The best thing you can do is. Tell them yes you are the person then tell them to mail you a copy of the debt you owe. If they ask for your address refuse saying they should have it. Do not give them any information for verification just tell them to mail it to you. You may have to pay a little for this service but it is guaranteed to work. look up repair my credit now and let them do the work for you. I had several things on my credit that were not mine and called them. Not only did they get these items removed from my credit but they stopped the harrassing calls as well. This is not a ploy from them to get you to use their service I actually used them. If you don't use them find another one but becareful because their are scams out there. I had about 18,000 dollars in medical bills that were supposed to be paid by workmans comp but it was not filed right. It cost me 1600 dollars that I had to pay out but they removed all 26 negative items from my report and stopped the calls. :D

I am currently being garnished by this company and they still call me all the time. Then when I called them back they said they had NO RECORDof my payments also whenever I call no one seems to have any idea what there talking about. I am also wandering if their legite

love it!!!!!:p:p

My question is - my original creditor was Providian - then it went to collections, I believe it's CACH, LLC now and then it went to the Law Offices of Brian K. Levy which then turned into the Law Offices of Joe Pezzuto.
I get this letter that looks like some sort of legal document that's from a lawyer or the courts or something making it look like I'm in a lawsuit.
Can this "law office" collect a debt for another collection agency who was not the creditor??
Thanks

This is on their website:
About Us
Our staff is trained to be sensitive to the needs of consumers and to comply with consumer protection laws. We listen to consumers and work with them to find a mutual resolution. We are committed to a company environment and policy where professionalism is our number one priority.

If this is a legit debt and company, they do have a right to start legal if they wish, but keep in mind that they must serve you and go to court before they can actually start taking money from you. In most cases most the questions asked are to make sure you are not biting more then you can chew on your promise. Most agencies are aggresive but not really illegal there is a fine line bwtween the two. In closing I doubt anything will be done if you give the info on where is coming from you actually pay at that time good luck!

This company say's things to strong arm you into giving them account and other information, WATCH OUT! They WILL LIE to you and tell you they ARE a lawyer, they are a collection agency that is part of a law firm. DO NOT GIVE THEM ACCOUNT INFORMATION! Have them send you proof that they have bought the debt you owe FIRST. Then make arrangements. Send them a certified check, give NO one your account information. They will tell you that they are going to take you to court if you don't pay in a few days, which they may and IF they do hold legal debt against you they CAN but it wouldn't help them if you can pay them within a few months as it takes a month to even GOTO court and then court has to make you pay! By that time they could have gotten the money directly from you in the time period you have it. DON'T LET THEM BULLY YOU. They WILL talk down to you, tell you YOU wanted to skip out on the debt etc. These are people who get paid to bully you, stand your ground and read as much on your legal rights if possible. If you have any issues with them, contact the BBB as they already have TON'S of files on this "law office."

Then YOU don't work with the "Law Office's of Joe Pezzuto" because they treat you like dirt! I hope more people read this, yes pay you bill but for goodness sake's don't let ANYONE treat you the way this company treat's people. THEY DO BREAK THE LAW WHILE TRYING TO OBTAIN MONEY FROM YOU, PLEASE READ YOUR RIGHTS AT THE ABOVE POSTED LINKS. Let's stand together AGAINST the corp bully's of this world!

I have worked in collections for 18 years and have seen many people sued. You should not give advise if you do not know what you are talking about! If you want to know what happen to people who do not pay their bills talk to an attorney.

yeah,yeah,but not by a piece of garbage bottomfeeder like this.please don't interject unless you know the topic,or if you work for this bottomfeeder.if the former is right then again save the blanket collector line.if the latter is right then back to the phones drone.

Hey i used to work for these low end losers and i agree w/you they are pathetic pieces of garbage.... it's funny because the loser who runs this office i swear to god, is this dude who is in his 50's runs around having the worst mid life crisis a man could have as he wears this run down RUN DMC shirt literally 3 days out of the 5 day week i find it Hilarius check him out on facebook his name is Matt PLEASE DO NOT POST PERSONAL INFORMATION ABOUT YOURSELF OR OTHERS ON THIS SITE.....and every day i worked here all i could think about was punching this freak in the face as he walks around drooling over the 20 year old girls he has working there that aren't even attractive... the people who work here are all on drugs as i would see people doing drug deals right in the middle of the office w/no one to say a word, this guy AGAIN, NO-NO is a known stoner as his employee's SORRY, NOT GOING TO ALLOW THIS, and a few others i can name have all informed me that they have either sold him pot and or cocaine/meth on a few occasions crazy i know... and this guy runs the law office... it's hilarious, truthfully i think he is a homo sexual that is trapped in the closet not that there is anything wrong w/that but don't hide who you are and just be yourself... anyways this guy and the people who work form him are all sad pathetic 20 year olds who think they are great because they make a person who is clearly allready in a bad situation in a worse situation and they get off on making someone feel like crap, it's really sad, but anyways if you need any information on any of the staff here i mean anyone, this includes their personal cell phone #'s, Addresses, Facebook links, mother's addresses anything go ahead and email me at [COLOR=Red]YOU NEED TO READ THE TERMS OF SERVICE HERE BEFORE POSTING AGAIN--NO PERSONAL INFO ALLOWED INCLUDING CONTACT INFO.[EMAIL="JoePezzutoIsAScumbag@gmail.com"][/EMAIL][/COLOR] and i promise you i will get you any info on any staff that you request just provide me w/the problem you had w/the employee and their name and consider it done!!!! thanks again also!! they cannot sue you unless you reside in the state of AZ so don't sweat them unless that's where you live
Ex-Pezzuto Employee

These Joe Pezzuto morons kept calling about my debt after USB sold it to them. They harassed me any way they could and made fun of me, saying I had 10 credit card debts when it was only two. Anyway they also advised crap like I should ask my friends or family to get a loan out for me to pay my debt.. what kind of illegal advice is that? I wanted to arrange monthly payments but they don't do that and they wanted me to pull 8k out of my ass in 30 days and put it on a silver platter for them. I didn't have a job and I would have been homeless if not for my family.
They use the "good cop/bad cop" tactic where one guy talks like "I'm on your side I just want to help you" then if you don't agree to give them the money they call the "manager" who is like "bitch, give me the f***ing money in 24 hours or I sue your ass" I was advised to not give them any information. They sent me letters about the debt. They threatened me that they would turn my debt to a lawyer saying they have some kind of a deadline to make arrangements and if I didn't then they would have to assume that I refuse to pay the debt and pursue legal actions (whatever that means). I own NOTHING except for my car that is barely worth 2k so I wasn't worried about them coming after me. The last letter they sent me was for a settlement... but they called me EVERY SINGLE DAY including weekends, sometimes twice a day.. then I got sick of them and didn't answer the phone when they called.. and well they SURPRISINGLY stopped calling after a while. My advice is to do the same and just DON'T ANSWER THEIR CALLS.

First of all, you can and will be sued. It is illegal to borrow money, and not pay it back.

Second of all, there are real attorneys that work in these offices, and generate legal proceedings against people who do not pay their debts. Why? Because, again, it is illegal to borrow money and not pay it back.

Third of all, when YOU open any line of credit, be that with a bank, or a credit card company, you sign an agreement that allows for the addtion of default interest if you stop making paymnets. Why is it that people who get themselves into these postions act as if they have done nothing wrong, and the people who are collecting this DEBT are the creeps? If you borrowed your neighbor money on the condition he/she would repay it in a timely manner, and they didn't, would you take them to small claims court? Yes, if the amount was significant to you.

Now, think. Lets say there are a thousand people that do that every month to creditors. Exactly what do you think would happen to the lending institutions of America if they had no recourse to recover the money they borrowed under good faith terms, and some j$#k decided they didn't have to repay that?

People do fall on hard times. People also get over them, and they need to take responsibilty for their actions. Spending money that was not theirs to spend, and not paying that back is extremely irresponsible. And you call people who try and collect this money bottomfeeders? Seems to me you have it backwards.

And yes, you will be sued by this firm. Trust me. Work with them the best you can, they aren't kidding around.

get back to the phones idiot.just another humanoid loser who works for this piece of garbage.you had your say and sorry not alot of examples of your bottomfeeder suing anybody so again back to the phones drone.before i close a couple of points that gave you away.

1)owing a debt is not a crime,but your verbage says otherwise
2)you never mentioned how you know they sue.maybe because they don't and when you call breaking the law with threats you want people to think you sue.
3)your last point was an insult as after posting that not paying a debt is a crime.you state people go through hard times.well since your bottomfeeder never send anything in the mail how can they sue?

all roght now i'm done with you humanoid.

Quote:

These scumbags are filth as are any collection firm who uses the name of a nobody lawyer to do their work. Pay nobody, ignore them. If it is a legitimate debt they will sue you, until then.. .tell them to EXCUSE ME?? off and die.

EDIT BY SKYDIVR7673:

This is the WORST advice you can give someone. If the debt is legitimate, then YOU PAY IT. What kind of moron actually tells people to wait until you get sued? What for--so you can pay MORE? Legal fees, court costs, and extra interest can REALLY play havoc with the amount you owe!

Also, we do not tolerate that kind of language here.

7/25/2012 - These folks have been calling relentlessly for a few months now in regards to a debt I owe to Wells Fargo Financial. I am not disputing the debt and I do intend to pay it. But after reading all of the horrible comments from folks on here, I'm just wondering if there is a nicer solution than dealing with this company. I definitely can't pay in one lump sum like they threaten to do.

As of last night (7/24) we actually had someone show up at our door with papers from the Law Office of Joe Pezzuto stating "Enclosed herin and served upon you please find Summons, Complaint and Acknowledgment."

The papers attached state that the plaintiff is CACH, LLC with whom I have never had contact. It also states that the plaintiff has started a lawsuit against me and I must respond even though it may not yet be filed with the Court and there may be no court fule number on this summons.


Is this for real??? Or is this a scare tactic??? I plan to write them to ask for verification of my debt as been mentioned in this forum in the past.

Has anyone had this happen and should I be looking at a lawyer???

Thanks!

Deb W

first go to your court clerk's website.first type in your name as the defendent.i almost guarantee there is no case.look at skydiver's post number 69.he cites where this scumbag collector sends phony docs to make one think they were sued when they are not.confirm either way with your court clerk.if no case i would look into suing pezzuto a good one.if by some miracle there is a case by all means respond,but i doubt there is one.

It sounds to me like they've "served" you with collection documents dressed up as a summons. If that's the case, you should sue them. This is a major violation of the FDCPA. Call your state's AG and the FTC.