Oh MY GOD!

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.