QAR and Todd Cummings

i just got off the phone with him. he told me the same thing that i was in "direct refusal" and when i tried to make arrangements to make payments on the over 3 year old debt, he told me he would just contact the courts and start having my husband's and my assets seized... even though the debt is from before i was even married.

Here's a reveiw I found on Yahoo local...sounds familiar.

"What you need to know?
1. Quadrant = debt collectors.
2. Misrepresentation.
-how do you not answer who you are?
-how do you not know the name of the company you work for?
-why won't you give your adress?
-why do you want so much money under 4 hours?
-how can you threaten me with 4x the amount supposedly owed?
-the dates don't add up with my paper statements! ! !

Now I know:
Just when you think the sleaze can????????t get any worse, along comes our Buffalo, NY WORST debt collectors to show us there are new and better ways to fleece money from unsuspecting consumers.
This is yet another offshoot of the GIOVE LAW OFFICES, MCKELVEY LAW OFFICES, EVANS LAW OFFICES, & COLLINS LAW OFFICES out of Western New York.
QUADRANT GROUP, LLC, reportedly owned, run and managed by DOUGLAS J. MACKINNON, a name and partner in all of the above including ACCOUNT MANAGEMENT SERVICES and FIRST AMERICAN INVESTMENT has added this organization to the group of bottom-feeder debt collection groups ripping off consumers.
The Love of Money is the Root of Evil
Reportedly being financed (in part) and managed by Daniel Mendez and Reverend Daniel Grant of a Sweet Home Buffalo Church, Quadrant is said to be recycling old accounts from Giove, McKelvey, Evans and Collins Law Offices in the hopes of scraping money off the bones of already dead collection paper. One report stated that the Reverend was even using church funds to help finance the purchases, a report that could not be confirmed. Whenever a church is involved in something like this, you have to wonder whether the motives include fleecing the flock or hiding money from the Feds?
This double-dipping is a favorite of the MacKinnon brothers - they collect on accounts from one law office, then shuffle the papers to another and start the process all over. They figure if they can scare people into paying once, why not do it again?
In the typical mode of these ???????BUFFALO STYLE???????? debt collectors, anyone being contacted by QUADRANT GROUP, LLC can safely surmise that:
EVERYTHING THEY TELL YOU IS A LIE.
YOU WILL NOT BE SUED.
YOU WILL NOT HAVE YOUR WAGES GARNISHED.
THEY CANNOT TAKE LEGAL ACTIONS OR
THREATEN GOVERNMENT ACTIONS OVER AN IRS 1099-C FORM.
THEY CANNOT REPAIR OR MAKE CHANGES ON YOUR CREDIT.
THEY DO NOT HAVE ANY AUTHORITY OR LEGAL MUSCLE.
They are con men, with a track record of proven criminal behavior that includes lies, threats, extortion and violation of federal law, the Fair Debt Collection Practices Act. We found NO licenses or bonds as required in many states and their association with the WORST debt collectors in America is cause for anyone to be VERY cautious and suspicious of them.
As with many other debt collectors associated with these organizations, you can assume that many may have drug and alcohol problems and that many may have criminal records for various offenses such as drug possession, use and distribution.
QUADRANT GROUP, LLC is an infection you want to avoid!
DO NOT DEAL WITH THEM!
NEVER GIVE THEM ANY BANKING OR CREDIT CARD INFORMATION!
TAPE RECORD THEIR CALLS (where legal) AS YOU MAY BE ABLE TO COLLECT ON LAWSUITS!"

I also got them and tried to get their business address but he refused ( he being Todd ,no last name) but when I called back I got this

PO Box 386 Union Ave
Suite 260

ext 231 Mr Smith

I DO have a dept which I intend to pay and at present am working with a company to resolve this issue. However this guy Todd in so many words did say that If I didn't make a payment to show intent he would let them ( Riverwalk)know that I refused to accept the dept or make payment and that they would go to the furthest extent of the law to recover their money which would end up in a lawsuit and go after my biggest asset that being my house.

I received a call from "QAR"- the guy's name was a Mr.Valquez. They stated that I will be getting a legal judgment on an outstanding credit card ballance- but I want to find out if they are in fact a REAL legal/litigation office, and not just fraud debt collectors. I'm leary because they've offered to settle my debt(I pay them) before the creditor files a judgment.

They are required by law to send a mailed statement 5 days after initial contact. If they do not they are in violation of the FDCPA. If they do it will have their address! Then send them a cease communication letter and a debt validation letter. PDLs are illegal in many states and not licensed in more. They can't sue for an illegal loan! What states are you two in?

I am receiving calls from 716-650-2836 and returned calls to 866-778-0624. The "rep" will not provide me a statement of debt owed, or that they even own the debt. I asked several times for their address and they refused. They want debit/checking #'s and pymt in full. Payments were offered, but they want in full today or they say they will take us to court. They said they would email us a statement, but their computer froze after i said i would not give them pymt acct. #'S. What do i do?

All of these calls are from the same origin. The main scum ball is Douglas J. Mackinnon, whom has MANY lawsuits against him and his associates. I have just recieved a call from one of the goons working there, asking for the people who lived in our house before we bought it as a forclosure. They just looked up the address and came across our number. This has been going on for 3 years. This is a bogus company, DO NOT SEND MONEY, or give them your financial information. I thought I would have a little fun, and called the idiots back. At first it was to inform them to remove this number from the list, and he gave me crap. Bad thing is, he messed with a woman who knows her rights. I called back a few times, after he told me to f*%k off. Tried to say he would contact my local police department and send them out because I was harassing him. Thats when I informed him, I have my Associates in Criminal Justice, and a BA in psych/counseling and NO he could not contact my local law enforcement agency. I was not breaking the law..... he was.... well thought I would pass it on...
PLEASE do not pay this company, they can not do anything to you or your assests. Sad thing is that some of the info on the web states that this is financially backed by a church- Sweet Home Buffalo Church, Rev. Daniel Grant. The lord needs to strike him down if this is true...

Michelle Cocke

Amy...I would file complaints with the AG, FTC and the BBB. They are breaking so many laws here.

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