international asset group

IAG uses scare tactics. They are not legit. There is a half a dozen Numbers for them. I reported them to the FBI and the FTC.Send them nothing !!!

This is a scam. The company my daughter dealt with stated they never heard of IAG. Her account was paid in full . DO NOT PAY THEM ANYTHING

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[COLOR=black]I have been having the same issues with this company; I received a telegram type debt collection notice referencing a file number and account number. The company at the top of the telegram notice was [/COLOR]James de Rosa attorney at Law but in body of letter stated International Asset Group and provided website to send payments but not once did it say what the heck it is for. I sent a dv but have not heard anything back from them and this was back on January 27, 2011 and I received their "telegram" January 20, 2011.[COLOR=black][FONT=Arial][/FONT][/COLOR]
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Now as of yesterday I received two calls from a Cathy Dolon; one at work and one on my cell. I could not answer the call since I was on the second line at work but to make a long story short she left a message on both answering systems. What is even more interesting when I looked at the call it came from (716) 748-6759 but in her message she stated to return that call to (855) 835-4525 x104, I figured it was IAG group because she used the a new attorney name Steven De Rosa. Not once on the message did she state who this was for or what it was for.
Her message from the voicemail is below, I played and rewound to make sure I got it word for word.
“****************** my name is Cathy Dolon from the law office Steven De Rosa regarding a pending civil suit being filed against you at this time. Be advised my client is in the process of reviewing your file failure to contact my office by 5pm today will result it being placed with in house attorney. Again I do need to hear from you or your legal representing attorney by 5pm at 855-835-4525, my direct extension is 104. This is your legal opportunity to voluntarily rectify the situation outside of court. Good luck and consider yourself notified.”

I have yet to receive my dv response therefore, I filed a complaint with our SAG but this was before the voicemails I received recently.
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Make note of the time and date of the calls..each such call is considered continued collection activity. Go ahead and call this woman....just remember to ask for the pertanent info such as accoutn number, original creditor, what the debt was originally...also point out that they have violated your rights twice thus far with phone calls which constitutes continued collection activity. Inform them they already have the debt validation letter and you will not consider this debt legitimate until they validate it properly. You can also inform her that should they foolishly file suit, not only will you demand every scrap of documentation for proof, but you will be filing a counter suit for them trampling all over your rights.

Whatever you do do not answer any questions other than current mailing address and the last four digits of your social..they don't need the whole thing. If they ask you about the debt, just parrot, "I am not discussing this alleged debt until you provide validation." repeat. repeat. repeat.

They were also calling me last week. The "process server" left a message on a spoofed local phone number at my place of business. They gave me a number of 855-844-3542 with a case number. It doesn't even identify the name of the company in the voicemail. I am assuming this is IAG. Last week when I called the number it said Law Office of Steven DeRosa. I am 100% sure this is a scam and I certainly won't speak to them or pay anything unless they validate the debt.

I am a New Orleans attorney collecting information and stories in preparation for a nation wide class action lawsuit. This group of companies (International Asset Group, Unified Asset Solutions, Western New York Capital, etc.) buys and/or collects old payday loan debt and then uses illegally cooercive tactics to collect the debt. The story is some variation of the following: caller says they have received "papers" in their office and says they are facilitating service of process. But since they do not file lawsuits themselves, there is no process to be served. This is a blatant violation of the Fair Debt Collection Practices Act.
If you are interested in preventing this abuse from continuing, please go to my website deleted...pm and fill out an evaluation with your personal story. I plan on filing the class action in Louisiana, but I am interested in similar stories from all over. I look forward to reading your stories.
- Marc.

I received a similar call from the "Steven DeRosa" law firm a week and a half ago from a blocked number on my cell phone; they left a message ending with "consider yourself served". Yeah, cause a summons is completely legal over the phone ::sarcasm::. I received one other message advising that further action would be taken since I had not called back from the first call, then I received another phone call today from a local number (although I traced it on Google and the only thing it traced to was a pay phone), saying that I needed to be available at home or work tonight to sign for paperwork, along with needing a witness for the signing. I have filed a complaint at the FTC website provided here just a little while ago, and I have saved the phone messages. I know this is all BS but it is still incredibly frustrating. I have not actually spoken to anyone and refuse to answer their calls. I work for the collections department of one of the biggest financial institutions in the US, and I know the FDCPA regulations hand over fist, so I guess if I ever do decide to answer their calls, I know how to combat their "collections practices".

~J from Texas

These people have been calling me for weeks now. First they would call my home number using a Boston area code, which was obvioulsy a spoofed number as it was disconnected when I called back. When I called 1-855-844-3538, using my cell which has an AZ area code they started calling me from an AZ number, and now they have resorted to a "restricted" number. It used to be Kathy who called and now it is "MIss Joyce". When she called my cell today I answered and said I wasn't available so she asked me to give a message saying that she would be coming to the hospital on Friday with papers to be signed. Today she even had a new case number! The guy I talked to on the 855 number was a nightmare - he called me a deadbeat, said he was looking at at least 6 different judgements that had all been served against me (I have none), and he said he couldn't help me in any case because my case had already gone out to their attorneys. I think the "server" calls are the scam to scare you into calling their main number so that they can force you to pay. I have already reported them to the State Ag in MA and to the FTC. They are not licensed in MA and I know nothing will ever come of this, but I understand why people do pay up because it does make you just anxious enough.....

I received a call from the 8558354525 on march 23,only it came up unknown they left on my vm to have me or my attorney call them back left a case # so I called the number back they told me to verify last 4 of my ssn and my birthdate I wont give them either the guy I talked to Charles Wheeler said they were coming from New York to Texas to serve me papers for a civil suit for a bad check or a unpaid loan. and I dont owe any bad checks so that is bs I asked for verification of the debt he wont send me anything by mail First of all if I was going to be sued why not have me served locally that is bogus...and today march 29th I got a call from mathew chambers stating he was in my local area and would be at my house at 2pm to bring legal documents for me to sign since when do you get a courtesy call that your being served legal papers he called from a 806 local area code but when I tried that number back it wasnt valid and he told me to call back the 855 number if I wanted to stop him from showing up..whatever!! this place is a scam and just trys to scare people for money dont give any information to them

You should call them back and tell them you anxiously await Matthew's 2pm visit that you will serve tea and cookies.

The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided.

1. Ask you to pay more than you owe
The collector cannot misrepresent the amount you owe. [15 USC 1692e] ?? 807(2)(a

2. Ask you to pay interest, fees, or expenses that are not allowed by law
The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] ?? 808(1)

3. Call repeatedly or continuously
The FDCPA considers repeat calls as harassment. [15 USC 1692d] ?? 806(5)

4. Use obscene, profane, or abusive language
Using this kind of language is considered harassment. [15 USC 1692d] ?? 806(2)

5. Call before 8:00 am or after 9:00 pm
Calls during these times are considered harassment. [15 USC 1692c] ?? 805(a)(1)

6. Call at times the collector knew or should know are inconvenient
Calls at these times are considered harassment. [15 USC 1692c] ?? 805(a)(1)

7. Use or threaten to use violence if you don't pay the debt
Collectors can't threaten violence against you. [15 USC 1692d] ?? 806(1)

8. Threaten action they cannot or will not take
Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] ?? 807(5)

9. Illegally inform a third party about your alleged debt
Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:
your attorney
the creditor
the creditor's attorney
a credit reporting agency
your spouse
your parent (if you are a minor)
[15 USC 1692c] ?? 805(b)

10. Repeatedly call a third party to get your location information
The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] ?? 804(1)

CORPORATE SLAYER :twisted:

You need to REPORT THIS TO YOUR STATE ATTORNEY GENERALS OFFICE. They have no idea this is going on if no one tell them. A simple letter would suffice with copies of communications between you and IAG.

Corporate Slayer :twisted:

I got a phone call to my mothers home (left a voicemail) stating that they were going to show up to my place of employment and or home and serve me with papers. Whoever was signing the papers HAD to show identification to them. (they stressed on the HAD). They said this was a serious matter. I don't owe any pay day loans??? The female that called left her name as Jackie White.

So call them and get the details of the debt in question. Don't sweat the serve papers threat...after all if this debt is not yours a court of law is your friend. Inform her that by telling your mother's voice mail that you were to be served, that they violated the law in communicating with a third party as you do not live there.

Then inform her that you have no outstanding loans and you need a letter, by law they MUST provide you a letter within 5 days. Inform her that on the 6th day you will be sending a debt validation letter and will include the violations thus far with an eye towards filing suit on THEM.

You can also tell her that she is more then welcome to sue you, but rest assured that not only will you be fighting it, that you will also counter sue for the violations and file an official complaint to have their lawyer sanctioned for filing a frivolous lawsuit.....so go right ahead and come serve you. :)

these people are a collection agency like all the others, they can not sue anyone.they are trying to collect the money owed to THEIR client only. just be sure the amount you owe is correct.

please.this is an illegal pdl JDB scum that needs to be reported not paid.so they buy bad pdl debt then break the law hand over fist.i guess you are right in that they are a bottomfeeder like all the others.

Some collection agencies act as debt purchasers...if they own the debt they CAN sue on it....saying no collection agency can sue is not quite accurate...they only can't sue on accounts that are not theirs, like accounts they collect on behalf of another company..but if they own it..they can sue.

I advise all of you to know your facts before posting! Not only is iag a legitimate company 80% of there accounts come from a company by the name of nca (national credit adjusters) who are based out of ks. If you think you are being scamed check your credit report the nca tradeline will be there as a collection account. If your receiving calls from iag verify with nca if in fact they legally have the right to collect on your debt. As far as threats.. Its only a threat if the owner of the account has no legal right to take you to court since accounts are owned by nca they do reserve the right to sue you under your original contract terms. I wish you all the best of luck i strongly suggest you try to locate your original paper work from which ever company you received money from not only did you give them permission to "sell" your info you also agreed to the fact you will be responsible for any legal fees the filing party is responsible for... And if you think you cant be sued if there in another state i advise you google foreign judgment!!!! Best wishes debtors!

the above is an idiotic shill,bobo,humanoid.nca is just as illegal/unlicensed as IAG.just because your blither is long winded doesn't make it true.back to the phones drone.btw as for foreign judgement.give me a break.the only way you can be sued in another state is if you actually incured the debt in that state. example fool:

i live in CA for four years.in that time i got a cc and defaulted on it.i move to GA two years after default.i can still be sued in CA as i was a CA resident at the time,but as for this bottomfeeder suing wherever they feel like please.again back to the phones.btw the above was an example.i have lived in IL my whole life.

JUDIANN, it's important to actually know what you are talking about when you are trying to give people "advice" on how to deal with a collection agency. Your information is in fact inaccurate.

While a person can be sued when they default on debt, IAG is calling people pretending to be process servers serving people with a lawsuit when no lawsuit is actually being initiated. I personally received a voicemail from these people telling me they worked at the local courthouse and they had a "pending lawsuit" against me. They were going to serve me papers at my residence or place of employment if I didn't call within a certain amount of time. I work for my county and immediately looked my information up. NO lawsuit had been filed against me. A lawsuit would need to be filed before you would be served by a process server, not after. Even if they threatened a lawsuit, they must file a lawsuit within 30 days of making that claim. I have yet to be served anything. These are violations of the FDCPA and they should be reported for violations.. they can even be sued for them.

Also, in response to being sued in another state. While you can be sued in another state, you can't be sued in a state that doesn't have jurisdiction. If you live in NY and get a credit card in NY or get a payday loan in NY, the jurisdiction is NY. You can't be sued in CA. Payday loans in particular are governed by the laws of the state a person lives in unless that person leaves the state to get one. Again, you can't be sued in CA when you take out a payday loan in NY. The creditor must come to you, not the other way around if they choose to do business with you.

Other issues I have had personally with IAG are not willing to validate a debt. I've had two accounts go to them, supposedly and NEVER received anything in the mail from them. I contacted them on the phone both times are requested something in writing validating this debt. They refused to do so and hung up on me. Legally they cannot continue to attempt to collect the debt until they have validated the debt. These are violations of FDCPA.

Onto National Credit Adjusters, they also tend to break FDCPA. They contacted me a while back and I asked for something in writing, they refused. I informed them in writing and over the phone I cannot receive personal phone calls at work. They continued to contact me, another 1. They seem to have placed something on my credit report under a different name of International Financial SE. A company I've never heard of or dealt with. I've heard through Google searches that these people are one and the same. The odd thing though is they didn't place this on my credit as a debt collector, but as a "new account." A term used to show a new credit card opened. They are falsifying information on my report, haven't validated the debt and they haven't contacted me to inform me who they are under this new name. All violations of the FDCPA.

If they want to collect on debts, that's great. But they are bound to follow the law when doing it. Neither of these companies do it. I'd suggest you look into both these companies through the BBB, state attorney generals and the FTC, as well as read other people's experiences with these companies. You'll see they are not lawfully practicing and are actually in a lot of trouble themselves.

good stuff.now a couple of things for you.

1)not only is reporting this as a new debt an 1,but a FCRA(fair credit reporting act)violation,and it carries a stiifer penalty than an FDCPA violation.
2)i hope you are planning to sue NCA for this.you can go to www.naca.net and find a contingency consumer lawyer in your area that can do that.

you see your credit report is vital today,and to put an old debt as new is most illegal.so i hope you will look into suing this bottomfeeder.

Thanks Paul! I did not know that! I'm definitely going to be looking into this now :)

yeah alot of people don't know that reporting old debt as new ie:re-aging is illegal and should be dealt with via lawsuit as your CR is very vital.do that.

I was searching the internet for information regarding this company and it seems that JUDIANN has been posting the same information with the same verbage on any pages connected to forums for this company. SAVE IT JUDIANN!! It's a scam!!

So, I am getting calls from this company now! Mike Reynolds left me a message on my voicemail today that he would be in my area in the next couple of days and I would need to give him two forms of ID. He also stated that he may serve me at my home or work and if it is at my work that a Supervisor would have to sign as a witness! I used to work in collections and although that was a long time ago, I KNOW for a fact that the message he left me was in violation of FDCPA. I am not completely sure about needing a Supervisor there to be a witness, but I would think that would also be in violation of FDCPA. Has anyone else been told this by these guys? Also, he gave me a different # for IAG. The # he gave me was 888-302-5835. He didn't tell me the name of the company but I called it and that is how I found out the name of these crooks! I would like more information as to how I can file complaints against this company. Any help will be GREATLY appreciated!

This is what I don't understand...all of you used the power of internet to find this forum, register to post and then wait for someone to respond....this is 2012 people!!! GOOGLE it!!! Not to be harsh, but honestly this battle between collection agencies and consumers has been going on forever. If it doesn't seem right then it probably isn't. There is no debtors prison. No collector can lock you up for a past due bill. There are laws for everything. Especially collections. And there are all types of collections and individual laws to go with them (1st party, 3rd party, purchased, etc). The only ones that can sue you are the ones that own the debt. If they tell you they are going to sue you then by law they have to follow through with it. No one can can take your house, car, TV, furniture, etc because you have a bad credit card debt. No collector can show up to your house or employer to serve you "papers". Think about it...do you know anyone personally that has had that actually done to them??? NO, because it can't happen. A collector can not call you before 8am or after 9pm in your time zone. If they call outside of that time frame its a 1. They can call you at work. If you tell them that you do not want to receive calls at work, not until then do they need to remove the number. If they call after you have told them that then they are violating the FDCPA. I could go on and on but I would be here for a month listing everything. Bottom line...collections is governed by FDCPA and state laws. If you feel that something isn't right then call the Attorney General and file a complaint..it's free!! And really, don't waste your time filing a complaint with the BBB as most agencies are not BBB accredited. But if they are feel free to complain to them as well...that's free too!!! Oh and let's not forget the other bottom feeders (on the other end of the spectrum)...Attorneys that specifically target collection agencies...its a quick easy buck for them and they are growing in size just as fast as the collection agencies are. I'm sure they offer free consultations.

get off the highorse voice.this forum exists and has grown since it's 2006 inception is because when people are first contacted by a bottomfeeder they are scared.that is why they call it a "scare tactic".now every tenured member helps because we were there at one time and used info gleened from the members who preceded us.that is what this forum is about.sharing info based on our experiences with these bottomfeeders.the info was good,but you can keep the attitude voice.got it?good.

This group has called several times on my mom's cell phone. Finally today she got the nerve to pick it up just to tell them to stop calling her phone. She told them she didn't owe anything but they told her that there was there was something unpaid for from best buy. My dad (her ex husband) had bought a tv there in 2008. She doesn't own the item and he has it with him since they divorced in 2009. They still wanted her to pay for half of the payment even though it says in her divorce decree that she only has to pay for her own bills. She only has one credit card and has been paying it back. They are saying she needs to pay for half of it because her name is on the card with his. Is this right or legal? They were yelling at her and said they would take her to court if she doesn't pay and they were going to send out papers in a week. Has anyone here ever been served by this company? Any advice would be nice... we'd like to be prepared.

I have received calls from International Asset Group, making the same threats. I called my DA office regarding the bad check claim. They said that if I never wrote a check, they couldnt collect. All I did was authorize repeated ach withdrawals. After I had paid what I felt was over and beyond what I should have, I closed the bank account. They are bottom feeders who are just using scare tactics. I told them to send whatever paperwork they had to the address on file and hung up on them.

Check this out re: IAG
http://www.sec.gov/litigation/admin/2012/ic-30018.pdf

Some dude created a blog on Word Press to upload a PDF document of complaints against International Asset Group recorded by the Federal Trade Commission they received in response to a Freedom of Information Act Request.

Click here to load the complaints recorded by the Federal Trade Commission against International Asset Group, LLC. Its nearly 900 pages and takes at least a few minutes to load. Worth reading though as there it illustrates a nationwide pattern of deceit and illegal activity. This document should be circulated and posted all over the Internet.