First Legacy Asset Management

nothing real comes up on them.what number comes up on caller id?

The caller ID is 716-725-6653 and the number they left for me to call is 877-527-0510.

this another collection scam.file the usual complaints,and ignore them.just another pdl collecting bottomfeeder.

Thanks for the info. Originally they called my sister and told her that I am writing bad checks and that there is a fradulent case against me, that they will be filing with my county. So, I called them back to tell them that by calling my sister, calling my mother and threatening to call my ex-husband, was illegal. I also told this man that also by telling my sister why he was calling was also illegal. Am I right on that? I was on the phone with this guy for 20 minutes, I gave him no information at all regarding my social security or banking info. He told me that being I "done my homework", he will drop any unnecessary fees associated with the so-called bad check. Since I know my rights, I think that threw him off a bit. Also, when I asked him for their address, he told me he would not give it to me until I told him who I was. He did, however, give me his fax number. I told him that I have every right to see any information related to this. He thinks he is going to get away with just telling me. He is expecting me to call him back today. Should I just send him a cease and decist to the fax number he provided?

yes fax him a c&d,but if possible don't do it from your work fax.some have done that,but if this place hasn't called your employer they can get the ph# from the fax#.anyway this jamoke deserves nothing but a c&d.nothing else.

I already faxed it!! Hopefully this will end it for now. I also filled out a NY Attorney General Complaint Form from their website and mailed that with all my paperwork. I printed out the FDCPA information and attached that to the C&D letter, referencing the items they violated. Thanks for your help. I will let you know the outcome.

do keep us posted my friend.

Can you believe he called me three times on my cell phone? The third time he left a message, which I kept and dictated on paper. This is what the message said:

[FONT=Arial][SIZE=3]Hi Mrs. XXX, how you doing, this is Joe. I received your fax and I am very happy you decided to go that way because we have two issues in our office with you not just one. I don’t know which one you are requesting validation on, but I would be happy to give you both issues that you have here. If you would like to discuss that with me, I thought we had an understanding, but I guess not, but I am glad it went this way. You can reach me at 1-877-527-0510, my extension is 100. I would request that you or legal counsel call me immediately, if not it will be interpreted that you are refusing to and unwilling to cooper and we will proceed according. I will give you one chance to call back. Thank you. [he hung up][/SIZE][/FONT].

How can he say that I am refusing and unwilling if I sent him a letter, which he states he received. Does this message sound threatening in any way? Should I be nervouse or are they trying to intimidate me?

Since I sent this letter, he has called me six times! Isn't that violating the letter I sent?

hi...sa,e thing happened to my husband, Joe Bersch left a mesage on his work voicemail that if he did not settle the account that it will be forwarded to los angeles county and an arrest warrant will be issued for him..i called trying to get information but JOE said since I am not the one involved he will not be able to give out info,....
when my husband called him he explained to my husband that since his ACH transactions were returned, it will be considered as BAD check....
is that true>?

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Do these lawyers normally charge for this type of stuff? I don't have the extra money, if I did, I would not be on this website. LOL.......Anyhow, thank you for the info. Just to let you know, he called me 8 times, but only left me one message, which I posted above. The calls were repeated every so many minutes. I did see in the FDCPA that is a violation also. Calling just to annoy me is basically like harrassment.

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I am sent an inquiry to a law firm in my area. I will keep you posted. However, the collection place has not called me since yesterday. If I can get money for them harrassing me, I would be thrilled!

Thank you so much for the information.

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Thats for the information. Im fixin to go to that site now. They got me for 100.00 dollars but im not gonna send them nothing else. I will keep yall posted.

These same people have been calling me saying that the have have be as a person of interest for case on my brother ex wife. He tried to sound like a cop and I don't know how I got my number?

They were not interested in providing me a fax number. Does anyone have their fax number?
Thanks in advance.

Omg these ppl just got a $1000.00 out of me

These folk have been calling my cell phone off and on over a year now; they keep saying I am guilty of criminal fraud and that if I do not call them back today, which was a while ago, they will prosecute. They evidently say I am guilty of taking instruments over state line. I called them back once and he wanted all my personal information and I refused to give it to him.

You people on here are the bottom feeders. I run a collection agency and all of you people on here try and do is scam the system and get out of paying your bills. You people make me sick, and I think it is you that are hopeless.

I work for first legacy asset management and we are a legitimate company that is licensed and bonded in all 50 states. We handle internet payday loans that have to be verified both through an existing email, and an existing bank account. Any payment that has been rendered to our company has closed your balances out and the people that choose to not pay us, or identify us as a scam will find out just how real this company is when the next step on all of our purchases is civil suit. So if you pay anyone, step 1 is get a letter that states the original creditor, and step 2 keep a copy of the transaction for your records. Step 3, request a paid in full letter after payment is made.

I just googled FLA management. It appears they are a financial planning company (insurance, investments, tax planning). Nothing about legal services, nor do their phone numbers correspond to the ones given.

Apparently, this company First Legacy is not a viable company. They claimed to be stationed in Seneca, NY, but that is not tangible location, and their phone number reveals business is largely vapor noting more. Which means that they constantly use different number from 716 area codes to 877 area codes. That will never respond to anything by any lawyers. But I can tell you this. What they are doing is unstable, It is all hot air, and threats and only that. The best advise I received is to actually cuss them out be as nasty to them as they are to you. Tell them you will be glad to be served and go to court that is one way of actually getting them in the same room as you, especially when you asked them not to call you at home or work and if you sent the a cease and desist letter also. They are violating so many laws against the FDCPA. It is not okay what they do to people, but you discipline them over the phone do that a couple of times. This is one of those companies that stay hidden under their shell, they can truly never truly be a threat. But always stay in contact with a consumer lawyer regarding these folks. Good Luck

Always send a cease and desist letter to annoying creditors or collection agencies. The fax number given in regards to First Legacy is 716-725-6654. Me personally, I want my day in court with them. Its been going on with them since 6/2010.

Hi guys well thanks for all the post. I just got more calls from this agency. First Legacy LLC, They also threatn to have me arrested, called me a gangbanger, a homo and so on.. lol Im so shocked and angry i wanna have them shut down and out of work and homeless..

I have all the info u guys need.. If u really want it you will find it!!
FIRST LEGACY ASSET MANAGEMENT, LLC
42 LILLIS LANE
WEST SENECA, NEW YORK, 14224

Pat Bower is a name from first legacy asse's..

They do come off like they are lawyers and tell you that you are going to jail cause you broke the law.. Please if anyone falls for this crap then to bad for u!! Pat Bowers is a bully and a dirty collector, he is raunchy man for the job, im sure he might be an xcriminal from the way that he talks to people.. best thing to do is visit http://www.naca.netsit and then call the Ny Attorney Genereals office number is 212-961-4475.. or we can all get in on a civil law suite against them, that will work also!! Keep on truckn people, fight the power!! Bully this collector man!!

This company with various individuals calling using various numbers and locations called me on my cell saying that he could save me a lot of fees from a lot of process servers out there if I would just call him and go over some legal documents with him regarding not paying a payday loan...I have never not paid a payday loan; I talked to two other individuals from this company--one called from NJ saying he wanted to go over some judgement against me which I said I didn't owe anything again and never did tell him who I was; they want you to admit that is who you are. This one from NY said that if I talked to him he could get the process servers to hold off from coming to my house; if they do, I will sue for harrassment as I have never defaulted on a payday loan. They don't even have the right bank or state.

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is it me or were the last three or four posts preceding mine a bunch of shills for this pile of collection compost?seems like it.either way nobody should pay them any mind.if they were so in the right,our site wouldn't be going stronger than ever.if the law was on thier side alot of people wouldn't be here now.just know they trying to halt a hurricane with a stop sign.ain't gonna work.

Hi, I got a call from Cindy about my two loans (payday) and I gave them info as far as payment arrangement. Another guy called my mom about a summons, so I called them again. According to the other guy, Cindy has no idea that it was two accts, but I told him that she did because she mentioned both accounts and ok'd about me setting up arrangement for both. The following day, I called and they told me that i cannot make payment arrangement and that I have to pay the full amount and threaten to sue me. I am nervous about this, but is this something that I need to worry? I looked up the Hawaii laws as far as payday loans, but concern about civil lawsuit...

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To FLA...it can't be slanderous if it's the truth and my comments regarding not paying a payday loan are true. I have paid all of mine and the info I am getting is for an address and bank that I am not associated with. So if you verified email and phone numbers, then you are harassing the wrong person. And yes you can go ahead and find out who I am if you wish but when you yourself won't fully disclose important information and resort to what appears to be scare tactics on those who don't owe you a dim, then that in itself is low.

The best thing to do when you have issues like this is to contact a consumer attorney. The National Association of Consumer Advocates (NACA) has a website where you can easily connect to attorneys who work in this field. The website is www.naca.net. Select the "find an attorney" tab, put in your state, select "debt collection", click whatever box makes the most sense (FDCPA, Not My Debt, Harassment and Abuse, etc.), and then click the search button to the left. A few attorneys will come up so the best thing to do is to (starting at the middle or bottom, because the top names probably get the most inquiries) send out a form email explaining the situation to all of the attorneys listed. If you leave your contact information, the interested lawyers should get back to you. Good luck.

On 10/27 I received a call at work from "Robert" who said he was an attorney with FLA and said that I had not responded to his calls and that it was a matter of urgency that I contact him. I had not received any previous calls so I looked up the 877 number (877-405-4615 ext 103) and found out it was from a debt collection company in Buffalo NY. I send a FAX (716) 725 6654 stating they are not to call me at work and since they were a debt collection company to send verification to my home address and provided that address. I also informed them that they have violated the FDCPA - which they obviously did by insinuating they were attorneys and I would be reporting them to the Texas State Attorney General and to the FTC. No sooner did the FAX go through but "Joe" called my office and since I was on another call it rolled over to a co-worker. Joe was less then friendly and when she transferred him to me he was not on the line. I found the number and called and was put through to 'Joe" who claims he was not the "Joe" that called but told me that he did not need to verify anything with me, it was a 'stall tactic' for people who owed money, etc. I still have yet to hear what the debt is in relation too. Eventually he told me it was a payday loan that his company had bought but that was all the information he provided. Joe was less then pleasant. He said he didn't care if I was going to contact the Texas Attorney General, he was sending papers to a 'lawyer' in Texas to sue me. I don't know what he is suing me for but my lawyer will figure that out. I don't know why he doesn't use his "ATTORNEY" Robert. I told him to send me verification and he again refuses. He said he would give me until noon tomorrow to settle the debt or he would make it his PERSONAL MISSION to see that I pay in full....pay in full for a debt that has no name or originator. I will remind JOE that section 809 Validation of Debt (FDCPA) states that I must be informed within five days after communication (which is today) as to the nature of the debt, amount, creditor and also 30 days to respond.. Apparently Buffalo is not subjected to the Federal Law. Anyone that has been harassed by this company file a complaint, remind them of the FDCPA because it seems to upset them. You have rights as a consumer and you do NOT have to tolerate being "BULLIED" by unscrupulous debt collectors. Since Joe Bish seems to think he need not follow the rules, I am posting this comment as proof of our conversation and will report back in FIVE days as to the verification documents I have received from Mr. Bish and First Legacy Asset Management.

These guys just called me today. I just had a LONG conversation with them, and they pretty much told me the same thing as others, they had my cell and work number, and even cited the number of the fax machine near me. Of course, the guy that called me was named Steve and said his title was VP. Why would the VP of a company call someone? I'm supposed to call back by 8pm est.

Well, After reading the last 2 posts, I am simply laughing. They just had a "processor" call me, at work, stating that he was going to serve me at an address I've not lived at in ages. He went on to say that I could call a Mr. Rzoska at 1-877-405-4615 ext 103 to settle the debt. Since he was supposed to be serving a lawsuit, I ran a case search for anything with my name on it, and found the 2 traffic stops that I went to court, and nothing more. When I called to talk to Mr. Rzoska, he put me on the phone with "Robert" who is an Assistant VP of the company. After hearing his usual schpeal, I pissed him off, and told him to sue me. He dropped the "F" bomb a few times in the course of the conversation. He also told me he sent an email to my work email AND a letter to my old address. When I said that state law says he can't do anything since I never received the letter, he hung up on me. I contacted the tenant of the address and told them not to sign anything without looking at it first to see if it was theirs. Time to hit up the FTC AND the States Attorney again as this is the second time they've called me.

Legacy Asset Management is a complete fraud. They are located in Buffalo ,New York. They break just about every single FTC ( Federal Trade Commission)law there is. Do not be intimidated by this company. Instead, fight back. Learn your legal rights at ftc.com and then report this company each and every time they use an illegal collection practice. You can file a complaint online at ftc.com. There is no charge to do this. Fight back!

I want you to know that this company will tell you they are honest. they do nothing but threaten people . this can be construed as criminal threats. there are ways to find them because they hide where they are and who they are . you will not get their real name. they are being traced now for making threats . so dont pay them nothing . dont let them scare you and report them to IC3 for internet crimes and other crimes . this is the united states dept of justice in case you dont know. makeing threats is not a ligitimate way to collect debts. its a way to collect years in jail for them . :sun:

Stop stealing money you scum bags... pay your bills you

a legit company doesn't hide, doesn't threaten, and answers the phone, provides legal documentation, on and on and on..... you are the scum bag posting "Anonymous" just like you run your business !!!!