Rubin & Debski - are they rude?

What state are you in? When was the last time you paid on the account? More info please.

I'm in Fl. Its been probably about 2 yrs or so since I've paid the debt. I had a really well paying job prior to these two years so paying my bills weren't a problem but then I lost my job and the rest is history.

I owe about $4K on this debt.

If anyone can help me out it would be greatly appreciated.

Well you are well w/in statute. What has been your communication with Capital 1 or their CA/Attorneys?

Are you head of your household ? Florida has laws that protects the head of the house hold from wage garnishment.

Well I contacted Rubin & Debski about 6 months ago to try to make payment arrangements but fell behind and couldn't make the payments. This is my first time dealing with any type of court situation so I'm really nervous. I know I should've dealt with them earlier but I've had a lot on my plate these past two years.

Yes, I am head of household.

Anyone?

I have the same issue and it has been 5 years or more since i have paid. I tried about 2 years ago to come up with some way or form of paying back but they wernt having it. they wanted more then what i could give them. This is my first and last credit cards are evil and no one should have them. i was young and stupid. I understand and want to pay them back but it is hard when like i said they want more then what you could give. Good luck to you

Im in same boat, i was checking my open case while recieving there letters. Its all attorney money. if there is a pretrial hearing make shur you go. in the court room there will be many people like us. the judge is going to ask if you admit or deny the debt. if you admit you seal your fate then they have the proof and will go for garnishment. easy money for rich attorneys and making us poorer.
Point is deny, they will have to send to mediation witch i did. And I have much more to say and will update as case moves forward. also read something on small claim court prcedure.

Dont admit it is your debt and ive told the attorneys they do this for a living so until ican get leagal counsel i cant say anything. I saw all those other people in court that admit and now knowing what i know now. they thought it was over but final judgement is a whole nother ballgame you also have to pay interest to the courts.. peoples live are destroyed for ever and donbt ever know. DENY and show up

I got nailed by these bastards too. I defaulted on a Capital One credit card in 2007. I lost my job then. Subsequently lost my home too. I have been struggling ever since and I am presently unemployed and very ill. Without health insurance as is the case with many Americans.

I was subpoenaed for a pretrial hearing and admitted the to the debt. Afterall I did charge purchases to the credit card. However, after interest, penalties, late fees and outrageous attorney's fees... the amount is now more than doubled!!! At court I was told by their representative that I would receive a "financial worksheet" in the mail and I could explain that I am unemployed, unable to make any payments, etc.

All communications ceased after that court date and I never received a "financial worksheet" from their office. Until about 6 months later. After 6 months from the initial pre-trial date the law firm and I both received a notice that the case was going to be thrown out due to lack of prosecution on their behalf. That got their slimy ass' attention. Only then did I receive the "financial worksheet". I filled it out, also enclosed a letter stating my current situation (unemployed, on food stamps, no healthcare or prescription drug coverage, etc.) and that I would like to pay the debt off, however I cannot at the present time. I promptly mailed it back.

These scumbags have tried to call me as I have seen their phone number on my caller ID. However, they have not left any messages or have otherwise tried to contact me (case in point, their lack of prosecution on this case led to it almost being tossed out).

Now I have received another subpoena, nearly two years later from the original pre-trial hearing. This is now to give a deposition. I am to bring tax returns and bank statements and any other financial documents. I don't know if I will be able to attend. I am looking for work, what if I am working that day or have an interview? Shall I remain unemployed so I can give a deposition to merely drop off a couple tax returns? I also have no transportation. I am also struggling with health issues. I just called their office in an attempt to mail my tax returns and tell them I am unable to attend the deposition. I was told by someone that the head douche-bag Arthur Rubin is the only one who can excuse me from the deposition.

This has been a ridiculous nightmare. I know I could probably settle for a reasonable amount... but I just can't do it right now. Everyone knows the unemployment situation in Florida. I don't know what else to do. I have exhausted my unemployment benefits. I meet Florida's poverty level guideline for Christ's sake! Why why why can't these a-holes see that?

I just talked to the head douche bag Arthur Rubin himself. He is an A-Hole!! He was rude, condescending and an all around jerk. I can't wait to see him in person to ask him how he sleeps at night.

I too had to go to court but never received a work sheet. They have been calling me too but never leaving an message. Am I suppose to receive a work sheet or what am I suppose to do next.

Received a letter to attend court as a default has been entered against me because of failure to appear for a pretrial. I did not receive that notice.INo information was given aboutcredit card or the amount of money owing .It also states "Order setting final Hearing on damages." Please help

Has any one got to settle the debt?

I have become the recipient of a settlement nightmare. I was using Debt Plus Financial to settle some debt as my income was cut in half. I held out as long as I could but to no avail. Come to find out that they took the 4K that I had accrued in my account and not settled a thing. OUT OF BUSINESS!!!
I am now working with one of the accounts and the other is being handled by RUBIN + DEBSKI. I have tried 4 times to reach them and I have been put on hold.

You can file a complain against them with the State Attorney General and the BBB. Apart from this, you can contact an attorney and ask him to deal with RUBIN & DEBSKI.

Just go to court. It's not that bad. An arbitrator will sit down with you and share what the company would like for you to pay monthly. My initial reaction was " I can't pay that, I don't have that kind of money." They were willing to negotiate and lowered the payment by $25. A judge will then see you and explain that this agreement is binding and that you must pay it as scheduled or there will be dire consequences. So just pay it on time each month and you'll be fine. :p Yes, Rubin Debski can be very rude so make your payments on time.

If you racked up the debt, you owe the money. Why is the law firm collecting on it being called slimy, etc? did you not spend the money? when you borrow money, you have to pay interest and penalties when you don't pay it back. if you loaned money to someone, wouldn't you want it back? why don't you people try to be responsible???

They are rude and heartless. They are garnishing my wages for 25% of what I bring home which leaves me not enough to survive on. Something needs to be done about how they operate. It doesn't pay to go to work now. I am going to try legal aid and I think everyone should report them to BBB.

i am only behind 1 month and got a letter saying that i have defaulted and now they want the entire amount, i have 5 kids, why dont they just slit my wrist and bleed me dry, you cant take what i dont have, and i called and told them i would make a payment when i get paid and then got that letter in the mail. they are men they dont give a shit about anything but their own selfs and money.

i also had dealing with them. they are very rude and nasty. went in front of the judge, explained my situation on how my husband after 35 years in the automotive industry lost his job. the judge was very understanding, very.... the court system hates these credit card companies they already know they are ripping off consumers. the judge told me to pay monthly what i can afford, bottom line. if you keep up those payments monthly they CANT garnish anything. the bastards still tried calling me getting me to set up payment plans and how much monthly and i told them to "cease and decist" all calls to me. i told them i am making payment according to the "judgement" they never called back. capital one is the worse out there. everyone stay away from them. they wont settle for anything less then owed.

I have a judgement against me with Rubin& Debski and these people are nothing, but rude and condscending animals. A debt collector is a horrible job and I dont know how these people sleep and eat at night. These people usually have health issues later in life. But, I decided to settle my judgement made a payment in which they received, but they refuse to provide me with a receipt. I will be taking this up with BBB, State Attorney, FTC and even Oprah! These people harass for a payment and when its given they do not comply with providing receipt of payment.

Collection companies cannot by law leave a phone message. Read up on the FDCPA regulations. It might help some.

yes they can leave a message on your phone...as long as either your first, last or both first and last names are present in the voicemail message..if none is given then they just leave a message of contacting them back..the FDCPA ensures that our privacy and confidentality is met. Ive been a debt collector..and the job sucks. But, its a job, it helps pay your bills and puts food in your mouth. i wouldnt recommend the job to anyone, its a very stressful job especially when you know that you are in the same boat as they are. Right now I am dealing with Rubin & Debski, and agreed upon $100.00 a month, and i received the financial aid worksheet..the only thing that concerns me is giving them my account numbers..i dont feel comfortable about that whatsoever..not to mention in the beginning of this mess, i had spoken to a different lawyer and then 4 months later..hes no longer employed with the company?? boy...thats reassuring where my money goes...they are a lawyers office..the only money they receive is from the court costs, attorney fees...the actual money is given to the credit card company who the debt was owed to them in the beginning. they do not buy the accounts from capital one, but capital one seeks them out to help them try and collect the debt. no body can be arrested or given jail time for a consumer debt..its not illegal in any states if i am correct...i didnt show up to the hearing because i couldnt find the time to take off for both of my jobs..i dealt with the lawyers office firsthand. my debt including the fees and all is about $3,000...wish me luck on settling out this only and last credit card i will have in my lifetime! good luck to many others who are experiencing this aggravating time.

I have been making payments for the last 3 years, i have been wanting to know what is my outstanding balance and they will not give me any info. then the a****** of the the person who answered told me that my attorney needed to contact or send them a letter. VERY RUDE!!!!!!:x:x:x:x

My friend has become acquainted with these clowns recently. About two years ago he decided to default on all of his credit cards. Even though he was current on all (had NEVER made a late payment), they all raised his interest rates enormously. Plus they also started sticking him with late fees and other charges for no apparent reason. When questioned, they gave no explanation except that other people had defaulted and they had to change their policies.

After a few months he contacted a debt consolidation organization. Deals were made, contracts were signed. The credit card companies basically settled for a percentage that was the same amount that my friend had actually charged on these accounts plus some interest. An escrow account was set up. And a set amount was automatically taken out of my friend's account each month. From this fund the Debt Consolidation people dispersed the money according to the agreements.

Three months ago my friend began getting calls and letters from Ruben & Debski. They claimed that he had failed to pay according to the agreement (I forget which credit card it was for). Now they were demanding payment of the original balance in full. The Debt Consolidation people told my friend that they were just trying to scam him, forcing him into a new contract without his knowing it. None of his payments were late. Each month the credit card companies received automatic payments from the escrow account according to their agreements. By now, the account R&D claimed to represent was close to being paid in full. They advised that he just ignore them.

About six weeks ago, R&D threatened to take this into litigation. Then yesterday my friend received what appeared to be a judgment in R&D's favor. By now, the account in question has been paid in full.

When he showed me yesterday's letter, I brought up a few points:
1) He was never served a subpoena to appear in court to answer the litigation.
2) The "judgment" letter looked official, almost. I have seen court documents. This did not look quite right. For one thing, the judge's signature looked like it was stamped.
3) The letter came to him from R&D - NOT the Seminole County Florida Clerk of Courts.

Monday is a holiday. But Tuesday my friend plans to go to the courthouse with all of the documentation so far. Surely there is fraud involved. Since the Ruben & Debski law firm is based in Jacksonville, FL, I am certain that the State Bar would be interested in this case.

This is the most rudest law firm ever. They garnished my wages and I filed to be exempt because I was head of household and provided documentation of all my bills (living expenses). They don't care. I was forced to make a payment arragement and they still took $400 of my paycheck the next payday and I contacted them to see when I will get my money returned and they don't return calls. The receptionist stated to me that "he has a business to run". Rude and disrepctful. Capital One apparently pays this firm good money to go after people for a really small debt. It's redicous!!!

The court has to rule that you're HOH (head of household) & that u cannot be garnished. If they do not then the attys can move forward with garnishment process. Ur company will be notified before the actual garnishment starts. Be ware... they can also garnish your checking account!! If you send any payment to them I suggest that you pay with money order or something that can be tracked in some way that is not your checking account. They will use the routing/account # on your check u send for payment in order to garnish ur account. & The bank will freeze ur account with whatever funds are in there the moment the garnishment hits! Even if ur entire paycheck just went it... they can get it all! & they will... I have worked with & for these attys b4 & yes they are ruthless & most times rude... they have heard every story in the book as to reasons why ppl don't pay... how do they sleep?!? very well in very nice houses! They r very good at what they do & they will get u... u can bet on it!