Bronson & Migliaccio

Wow, these guys have lawsuits against them everywhere. Google search comes up with tons of hits on them. Junk debt buyers, apparently their letters make it look like a lawyer has reviewed individual cases, when in fact, they send collection letters out in mass quantities.

Read this: cardreport.com/wwwboard68/messages/51016.html

and
cardreport.com/wwwboard68/messages/50409.html

and
cardreport.com/wwwboard68/messages/50317.html

Hope this helps. :wink:

Apparently these guys work for Collect America (a Franchise of them), and there are lots of them:

Law Office of Sam W. Streeter, Houston, TX
Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ
Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA
Law Office of Thomas K. Bamford, Dallas, TX
Harold E. Scherr, Attorney at Law, Longwood, FL
Bronson and Migliaccio Attorneys, Williamsville, NY
Bronson and Migliaccio Attorneys, Elmwood Park, NJ
Phillips and Cohen and Associates, Westampton, NJ
Law Office of Larry Roach, Copley Twp, OH
Phillip Scott Lowery P.C., Denver, CO
Law Office of Brian K. Levy, Phoenix, AZ
Law Office of J. Anthony Cambece, Boston, MA
Workman Law Office, P.A., Jacksonville, FL
Collect America, LTD, Denver, CO
Gamache and Myers, St Louis, MO
P. Scott Lowery, P.C., Tulsa, OK
Law Office of Wilfred E. Briesemeister, Montclair, CA
Harrison Ross Byck, Morrisville, PA
Daniels & Norelli, P.C., Westbury, NY
Davis Law Office, Russell A. Davis, Solana Beach, CA
Richard DeJana & Associates, Kalispell, MT
Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)
John P. Frye, P.C., Roanoke, VA
Daniel N. Gordon, P.C., Eugene, OR
Mims, Jerry M., Attorney, Islip Terrace, N
Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX

I have already recieved a letter from three of the above named on the same account. Each time I send a validation letter, it goes to another on the list. Is that even legal since they are all affiliated? Seems like they would not be allowed to send anything else, no matter which attorney they are.

What did Bronson & Migliaccio mention in the letter? Has your account been validated in it? The following information must be put in writing as per the debt validation rule.

http://www.debtconsolidationcare.com/validation.html

I haven't sent these guys a validation letter, sent one to Workman Law office, Phillip Scott Lowery, and Daniels and Norelli I believe. They are all affiliated, so that is why I think it is unfair that they can just pass it around to each other without validating.

Ok so now i'm really confused!! These are the very SAME people that served me with a citation and told me over the phone that they have sued me! I recently sent them a letter of settlement and they have just called me back, (didn't answer) then came on here and wow here's the very name! It's on the list Dendy in New Olreans, or so i thought. SO now what do i do? Continue on trying to settle this debt with them?? I'm really confused now!
Thanks for any help!

Also they keep calling my brother. How can i get them to stop calling him???
Again thanks in advance

Angie, you need to make sure if this company really has your debt. If they have, it must be with accurate details. To get the details of your accounts, send a debt validation letter to their mailing address. This forces them by law to present the legitimate information about your debt account. If they are unable to give this info, it can prove their unauthorized collections. You will have a legal stand in the court if it reaches that far. Send your letter through certified mail/return receipt requested.

Ask your brother to send a cease and desist letter and stop the CA from contacting further. Read this law about stopping the collectors from making further contacts.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#805

Ok so if i understand this right, even though i have already sent a letter of settlement to them i can still come back now and send validation? Is this to validate the amount owed? Because i recall owing at the most $4,000 and now they're saying it's $9,400 and he told me could go as high as $15,000. I offered to settle this debt with them for $5,500. They must have just gotten my letter cause they've called a million times today but i haven't answered yet. I'm a little confused as where to turn next. Thank all of you for ur help!

Angie

Collectors are required to send the debt validation letter first time when they begin their collections. They might have sent you something in writing at the beginning after which you proposed them settlement.

Now, as per their terms, the debt has already been validated. You can request the same info by disputing the item in a debt verification letter. This is to make sure if the company really has your file. If they don't have your details and get the money from you, it will go to their pocket. Later, some other company having the legitimate details will contact you for the same debt and you might be forced to pay them. So, send a debt verification letter requesting for the info you need before paying them.

Angie, if you are already corresponding by them in writing and/or by telephone, and you have sent a letter of settlement, then they are breaking the law by calling your brother. In this case it does not matter if you or your brother has or has not sent a cease letter to them. They are ONLY allowed to contact family members if they do not know where you are, have no way to contact you, or you have given them that number to reach you at. If none of those apply then they cannot call him. They are permitted by law to contact family member ONE time to get in touch with you. They have obviously gotten in touch with you. Have your brother keep a record of everytime they call, and if permittable in your state, record the calls without their knowledge. Or, just tell them the calls are being recorded, that will probably stop them. I would definitely report them to the Attorney General's office though.

They've ALWAYS known how to contact me! Just haven't always answered their calls. I asked her the first time she called him how she got that number. Was told that they have some kinda program that gives em old numbers of where you've lived in the past. I hope they accept this settlement so i can move on

[color=red]Same post in another thread - Mike[/color]

http://www.debtconsolidationcare.com/forums/about9162-1.html

West Texas, I'm glad to see that, that being an A** doesn't mean you can't make a good point. People should take responsibility, but only for what they are rightly responsible for. Being educated about our rights a citizens and wanting to take responsibility for what we rightly should and no more does not make us lazy. All of us on this forum have made sacrifices to pay our debts, in one way or another; you trivializing those sacrifices shows your character. If we weren't prepared to make sacrifices, we would never pay any of our bills. This we must do or we couldn't post on this forum or recieve harrassing phone calls and such. I have been a member of this forum for a while and read almost every post and while people do get frustrated and angry and need to vent, nowhere have I seen anybody who was not willing to work. There have been people physically unable to work but even those people were trying to find the best way to pay their bills with what little money they do have. I agree that if you borrowed it you should pay it back, but you shouldn't have to pay more than what is legally allowed by the state you live in. As far as 3rd party collectors being "mean", if they are violating the law then they should be prosecuted to the fullest extent of the law. If certain collectors would follow the law and actually be willing to work with the debtor then a majority of posts could be deleted. That however doesn't happen. I appreciate the fact that you are trying to justify your own behavior by trivializing others but again that just shows your own character.

Quote:

Tammy...he's just nuts and has nothing better to do! We've booted better crazy people outta here!

Hopefully he will "COWBOY UP" and get a life real soon.

roflmao!

Dcashwell

I have to disagree with you on one point. If you enter a contract you should be responsible for every penny that you owe, whether they are legal in your state or not. You have agreed to a contract, and you must uphold it.

The point I have been trying to make is that people should not agree to contracts if they do not like the terms of the contract.

So what you people are saying is that it is ok to enter a contract and then back out because you didn't pay attention? Right?

And if you do not have the common sense to realize that these are empty threats than maybe you need something more than this forum. Or perhaps maybe you should toughen up a bit, become a little more thick skinned instead of thick headed. Use common sense, what collection company is going to take your kids over an unsecured $300 dollar loan. Come on people use your flippin heads. Where is Darwin when you need him?

"...whether they are legal in your state or not."

I agree with you West Texas, you should be not enter into a contract if you don't like the terms, but are you saying the lending company has the right to charge outrageous "illegal" rates or use "illegal" tactics of going about getting their money?

YES.

If the consumer agrees to it than they do have that right. This is America is it not? Land of the free. No one holds a gun to the customers head and forces them to take the loan.

i'm pretty sure nowhere in any contract did it authorize said lending company to do anything illegally.

and if they can break the law, whats wrong with anyone trying to get out of their debts...it IS America and its many loop-hole, corporate laws. If its OK for the lending company to something 'illegally', why is it wrong for the borrower to try something 'legally' to get out of paying?

If a lending company follows the contract to the letter than is not illegal. If both parties agree to the contract and both parties uphold the contract than nothing illegal has been committed. I invite anyone on this forum to find me a SPECIFIC state law that directly targets INTERNET LENDERS. Every AG's office I have spoken with, and every state law I have read pertaining to payday loans specifically mentions deferred deposit lending or orginating transactions from that state.

The truth is that no state cannot regulate a transaction that is done in cyberspace.

They may not be able to regulate internet loans, YET! But getting close.
Look on cashnet500's website , they don't loan to certain states, why? Because IT'S ILLEGAL! They are all getting sued up the wazooo.
Deferred Deposit, Money transmitters, all the same! They MUST have a license to do business in the state they are transmitting money to! No if's ands or buts!
Had these poor people known this, they never would have SIGNED the contracts!
The contracts are null and void.
Pdl's are exactly what the media says they are, "Predatory Lenders"!
New York State is suing the heck out of these pdl's one by one, and by god with our help,we will get every last one of them!

West Texas, It's not that people here do not pay attention, though sometimes it's obviuos that they don't. What is the point is really simple. These people were acting in good faith that the company they were dealing with was not only legit but acting in good faith for them as well; we have seen countless cases of unlicsened preditory lending which is illegal where ever you are. Personal jurisdiction means that the jurisdictioal laws of the location that the contract was signed are the laws which have to be followed.

BTW you should read Chapter 53 Article 15 of the NC General Statutes.

Also, what exactly do you think a payday loan is. In my state it is defined as "deferred deposit lending".

dc-

First the definition of Deferred Deposit Lending is "the act in which a loan company accepts a signed and post dated check" ACH loans are not deferred deposit loans.

What jurisdiction was the contract signed in? What state?

Erzeke-

Deferred deposit and what ever a money transmitter is are not the same. Internet loan companies access the NACHA ACH program to send these loans. And you are badly mistaken about having to be licensed in the state you are ACHing money into. If that were the case every bank that transferred money across state lines would have to be licensed in the state they are sending money to.

In my case the contracts were signed in NC. [quote]?? 53 165. Definitions.
(a) "Amount of the loan" shall mean the aggregate of the cash advance and the charges authorized by G.S. 53 173 and G.S. 53 176.
(b) "Borrower" shall mean any person who borrows money from any licensee or who pays or obligates himself to pay any money or otherwise furnishes any valuable consideration to any licensee for any act of the licensee as a licensee.
(c) "Cash advance" shall mean the amount of cash or its equivalent that the borrower actually receives or is paid out at his discretion or on his behalf.
(d) "Commission" shall mean the State Banking Commission.
(e) "Commissioner" shall mean the Commissioner of Banks.
(f) "Deputy Commissioner" shall mean the deputy commissioner of banks.
(g) "License" shall mean the certificate issued by the Commissioner under the authority of this Article to conduct a consumer finance business.
(h) "Licensee" shall mean a person to whom one or more licenses have been issued.
(i) "Loanable assets" shall mean cash or bank deposits or installment loans made as a licensee pursuant to this Article or installment loans made as a licensee pursuant to the Article which this Article supersedes or such other loans payable on an installment basis as the Commissioner of Banks may approve, or any combination of two or more thereof.
(j) "Person" shall include any person, firm, partnership, association or corporation. (1957, c. 1429, s. 1; 1961, c. 1053, s. 1; 2001 519, s. 1.)
[/quote]

[quote]?? 53 166. Scope of Article; evasions; penalties; loans in violation of Article void.
(a) Scope. ??? No person shall engage in the business of lending in amounts of ten thousand dollars ($10,000) or less and contract for, exact, or receive, directly or indirectly, on or in connection with any such loan, any charges whether for interest, compensation, consideration, or expense, or any other purpose whatsoever, which in the aggregate are greater than permitted by Chapter 24, except as provided in and authorized by this Article, and without first having obtained a license from the Commissioner. The word "lending" as used in this section, shall include, but shall not be limited to, endorsing or otherwise securing loans or contracts for the repayment of loans.
[/quote]

http://www.nccob.com/NR/rdonlyres/49B50175-F02E-4FC4-A517-A7025C2B9E02/0/Notice_AdvanceAmerica.pdf

Well, that certainly is some news, Texas! As far as my states' Attorney General's office and Business and Professional Regulation Department, Payday loans are referred to as Money transmitters and Deferred presentment Providers, this email came directly from them:

The focus of our office is publishing the Florida Statutes. We cannot
give opinions as to how the statutes apply to specific facts or give
legal advice.

In Florida Statutes, payday loans are referred to as 'deferred
presentment'. Below is a list of statute sections that pertain to this
subject. See especially the sub-heading 'Deferred presentment' in this
list:

CHECK CASHERS AND CHECK CASHING BUSINESSES
Agent for service of process, 560.306
Authorized vendors, 560.306, 560.307, 560.308, 560.310
Check Cashing and Foreign Currency Exchange Act, 560.301
Deferred presentments
credit counseling, 560.404
Database information, confidentiality, 560.4041
Declaration of intent, 560.403
Deferred Presentment Act, 560.401
Definitions, 560.402
Fees, 560.403, 560.404
Grace period, 560.404
Insufficient funds at time of redemption, 560.404
Legislative intent, 560.408
Notice to drawers, 560.404
Payment of proceeds to drawer, 560.404
Recordkeeping requirements, 560.407
Redemption of check by drawer, 560.405
Registration of providers, 560.403
Restrictions, 560.403, 560.404, 560.405
Transaction agreements, 560.404
Unlawful acts; penalties, 560.111, 560.403
Worthless checks, remedies of deferred presentment
provider, 560.406
Definitions, 560.103, 560.302, 560.309
Exemptions from statutory provisions, 560.304
False or misleading financial statements or supporting
documents, filing, 560.1073
Fees, 560.303, 560.307, 560.308, 560.309
Fingerprints, 560.306
Foreign currency exchanges, See FOREIGN CURRENCY EXCHANGES
Funds transmitters, See MONEY TRANSMITTERS; PAYMENT INSTRUMENTS
AND FUNDS TRANSMISSION subtitle Payment instrument issuers or sellers
and funds transmitters
Investigations, 560.306
Locations, 560.305, 560.306, 560.307, 560.308, 560.310
Money laundering provisions, applicability, 560.309
Money transmitter-affiliated parties, 560.305, 560.306
Money transmitters, See MONEY TRANSMITTERS
Notices, 560.309, 560.310
Payment instrument issuers or sellers, See PAYMENT INSTRUMENTS
AND FUNDS TRANSMISSION
Payment instruments deposited with financial institutions,
endorsement with name of registrant, 560.309
Principal office, 560.305, 560.306
Records, 560.310
Registration, 560.303, 560.305, 560.306, 560.307, 560.308,
560.309
Unlawful acts; penalties, 560.1073, 560.306, 560.308, 560.310

They say i owe them one thing but credit report say half what i owe them

I signed an agreement, gave them almost half of the amount owed and agreed to pay in 4 installments starting April 1, 2007. I got a letter today saying that they intend to take my money starting March 1, 2007 - completely disregarding the agreement. That's scum in my book.

I've enrolled in a debt consolidation program to do my
best to take care of this debt. Evidentally that's not
good enough they don't deal with debt relief programs.
I keep doing the same thing and make my payments to the program that I'm enrolled in so they can just deal
with that. Don't let these people stress you out.

I need advice on what to do next. My Debt with BM was 2,300, I was paying then per my bank account 296.00 for 2 months when they did a double payment out of my account which caused my account to go into the negative. I was quite upset. The bank could not reverse the fees because I allowed them acces to my account. I called them to make them aware of their mistake, first they would not take responsiblitiy saying because I owed that this would be one less payment due to them. They finally accepted resposiblity, I demanded the refund of the 296 plus the charged bank fees. This request was supposedly sent to their accounting part, (by the way, I couldn't speak to anyone in this part of the office, acounting only talks to internal personal). I got no resovle until a month later (I put a stop payment on the remainder of my payments) I got a letter about the stop payment and they want payment in full. Then by golly I got a check for the fund they took. They want to set of another payment plan with I did agree to, but I don't trust them with my banking info. I still owe then 1200. What leg do I have to stand on these are nasty people and I want to make this go away how? I just got a phone call saying their going to sue me and garnish my wages if I don't pay. How do I find out how much they bought my account for and the orginal balance of the account. Do I have to pay them, will they sue me. I live in Va their in NY can they do this by law

I absolutely would not provide them with access to my bank account again - I do not believe in providing anyone access to my bank account. If you owe the money to them, then yes, you do need to pay them, but I would get money orders and mail them on the monthly due date until the account is paid in full. Send a letter with the first payment confirming the payment plan - and it wouldn't hurt to explain that because they abused their access to your bank account before, you have been forced to pay them in this method. Then also send a letter with the last payment indicating that the last payment is included and that the account is now paid in full.

Can they sue me if I live in Clarksville, TN. And has anyone heard of Michelle Youngblood?

If your going to get advoice or listen to people complain about there debt online than get a life, or go run up some more credit cards! I work for bronson and Migliaccio and no matter what there is going to be crap about collections or law offices online!! Do you know why? Because you owe debt so your pissed off at the world and go run your mouth! Why dont you pay back the freaking money you owe and shut your mouth!

THIS ANSWERS ALL OF YOUR QUESTIONS ON HERE!

Joe do do, Shut your pie hole!!! YOU SCUMBAG LOWLIFE!! YOU'RE JUST LIKE YOUR MOTHER, ALWAYS RUNNING OFF AT THE MOUTH!!!

I understand that if a person borrows one they should expect to pay it back with interest. However, my debt balloned from a balance of $12,000 to $20,000 with Collect America. I lost my job and made an honest effort to pay all of my bills. I sent the firm a letter for debt validation. The office sent a letter saying my request has been received. Furthermore, the firm has been unable to provide legal proof that the debt is valid and they are entitled to collect. If debt collectors cannot honor a request, then they should cry to Congress for a welfare check, just like the banks did.

These guys are crooks. They're collection agents that buy junk debt, and then try to collect the debt pretending to be attorneys.
They call you from a 716 or toll free area code that shows as Bronson Law on the caller id. Before you have a chance to call them back, they call every one of your family members.
They break every FTC rule there is.
I hear there is a civil action law suit pending against them for unfair collection practices.

Some how these guys are allowed to operate. They send out threatening letters, and make harrasing phone calls. They have called my family, yet, I have not idea how they got the number.

These Jokers put a levy on my Bank Account , in an attempt to Strangle Hold me Financialy and Force me to be at their Mercy and Succumb to Their Demands. I Hired a Lawyer and Fought back and in the End They Were Forced to Dismissed the Case and Have not Bothered me ever since

These companies can claim to be whoever they want to be, and do whatever they want to do. The truth is....No, they can't. If the company you owed the money to charged off your account, then what they did is just that! That means they collected money on the account by collecting taxes on it and the account cannot be collected on twice.
You need to send the company a validation or discovery letter and tell them you want in detail everything they have on the account, including where the original company hired them to collect on the account. I promise, they will eventually go away. Even if they file something in court. You can do the same and you need too. Once they figure out that you know what you are talking about, they will not bother you anymore. You also need to put in writing that they cannot contact or file anything with any credit agency either. These asswipes need to be put in their place and put outta business!

they contacted me yesterday informing me that they were trying to stop me from getting my wages garnished. They lowered my total credit card debt by 800 and gave me one month to pay it off...does this seem legit? are they lawyers or just a debt agency trying to get my money, and am I safe in paying them?

They are a debt collections agency trying to get your money. They cannot garnish your wages until they take you to court, and you loose, and they enter a judgment against you. If you haven't been served with a summons & complaint yet, you're a good year away from the possibility of them being able to garnish your wages (depending on your jurisdiction).

They are calling me of behalf of Bank of America. Stating if I don't return call litigation will begin.

Sounds very professional. Bet you get a raise for that speech.

This Law firm keeps calling me looking for Lisa and Larry Johnson. They have the wrong number and i have told them numerous times. I will be contacting the attorney general's office tomorrow. They call my home 4 times a day. They are using old phone records from a rent house we lived in at one time.