Phone Call from law firm?? 845-678-1276

Whats up with this and who is this person.. Said i am in alot of trouble. same person, same callback #

I just tried calling the number, just to see what I would get. After several rings, it goes to voice-mail advising I had reached the desk of Clara Mason, with no business name identification. I might suggest calling her back during regular business hours, recording the call of course, asking her what this is in reference to.

Be sure to check if you are a 1-party or 2-party state when it comes to recording calls.

There is no lawyer by the name of Clara Mason registered with the NY State bar.

Well the name of the Law firm is Rephen law firm in New city New york... I have been sending payments monthly to pay off a old debt that I forgot about... They are some sort of firm that does collections for there clients before they hand it over to the state so make sure you call here back! lol I make sure not to fuc up cuz I don't want any trouble over old forgotten debts... Basically they are the last stop after a collections has tried to collect before it hits your credit or you get a warrant! Good luck and I hope there's nothing fishy cuz I have been sending money there!

Peace!

So after searching around it looks as if these Lawyers are a scam????? But I did find this I don't know if its true but I was looking for some solidity for the issue being I sent over 500 to them already.....

SERIOUSLY READ THIS WHOLE ARTICLE N RESPOND BACK WHAT YOU THINK ABOUT THESE PPL

REPHEN LAW FIRM IN NEW CITY NEW YORK N THE DESK OF CLARA MASON...

WOW this site wont allow me to put the link in!!! LAME!

so here go to search in a google with the words (Chexpert and Rephen law firm) n you will find it!!!

Im so sorry for the cat n mouse but after all my research its the best info validating this company so far so check it out u may sleep better or not. I am not done reviewing these ppl!

YUPP JUST GOOGLED IT AND ITS THE FIRST ONE TO POP UP HOPE THIS WAS HELPFUL AND I HOPE ITS LEGIT! I WOULD RATHER PAY A COLLECTOR THEM BE SCAMMED


n this sites spam filter blows! wow!

I dont think there adding extra large finders fee is fair but here more that I found on the "agency" I will call it instead of law firm....

What is Secondary Collection?
In the event a check can not be collected electronically, Chexpert gives you the option to have those checks automatically forwarded to a secondary collection source rather than just having the check returned to your client. This continues the collection effort without any intervention by you or your clients.

We respectfully submit the Law Offices of Bradley J. Rephen, P.C. for your consideration. This is a powerful FREE option to offer to secure your clients' business. Please review the Company Profile below or print their profile for review offline.

Adobe Acrobat File Click to Display and Print

Our Secondary Collection Company Profile

The Law Offices of Bradley J. Rephen, P.C. (LOBJR) is a general practice law firm concentrating in the recovery of funds due from worthless checks. Our firm is comprised of attorneys and their legal assistants functioning in the capacity of hands on collectors. In addition to attorneys we have collectors, follow up callers and skip trace personnel. What conventional collection agencies cannot recover, our firm can.

The law firm currently services check guaranteeing companies, check verification companies, retailers that have done their own in house collections or used a primary agency to recover on bad checks, collection agencies, banks, commercial enterprises, wholesale businesses, financial adjustment companies, electronic re-presentment companies, and companies engaged in business on the internet. Once that company or agency has thoroughly worked the accounts and has exhausted all collection efforts, the firm????????s attorneys and support staff will work those checks utilizing a unique program that has proven to be very successful. What we provide consumer and commercial business with, as well as the collection industry in general, is a safety net. It is acknowledged that the average collection agency only recovers a small amount of the funds that are actually retrievable. Mr. Rephen????????s extensive background in the collection business, first as a collector, then as a hands on attorney/collector have allowed him to develop a recovery program that incorporates the enhanced benefits of attorneys and their legal assistants acting as hands on collectors coupled with conventional collectors and their support staff.

What distinguishes our law firm from most attorneys that have incorporated consumer debt collection into their practice is that we emphasize direct telephone contact by our staff. We generate the required mailings along with additional mailings that are all fdcpa compliant, which explain our client????????s rights and debtor????????s legal obligations. Follow up calls are then made by attorneys, legal assistants and collectors in order to maximize the successful resolution of the accounts being worked by our staff. We do not believe that letters alone or the small percentage of calls that trickle in from those mailings is the most efficient means to provide clients with maximum profits. Personal contact by a representative of the law firm, who is extremely well versed in all the appropriate laws and who has excellent communication skills usually is what makes the difference in recovering the funds owed.

Our basic recovery philosophies and strategies are:

Every state has civil and criminal statutes addressing the issuance of dishonored checks. It is our belief that issuers of bad checks need to be advised of the relevant law in order that our clients???????? claims may be properly enforced. The law firm properly advises bad check writers of the creditors???????? rights and remedies. Our philosophy combines professionalism and refined interpersonal skills with specific motivational techniques that encourage bad check writers to resolve their outstanding balances.

Our philosophy is geared to be as customer service oriented as possible, if those are our clients???????? wishes, while at the same time firmly advising bad check writers of our clients???????? rights and remedies under prevailing law. Successful recovery techniques make issuers of bad checks want to resolve their outstanding accounts. All recovery techniques are tailored to meet the specific requirements of our clients.

Our firm uses an interactive computerized state of the art check recovery system. Accounts can be retrieved instantly with a full history of collection activity and detailed personal information. We can provide you with monthly trust statements, active account statements, collection audit reports, new account acknowledgements, account inventory reports, and updates on priority accounts. Our phone system????????s capabilities are unparalleled in the collection industry and allow our attorneys and support staff to work a very high volume of accounts each day. Our staff currently works in excess of 10,000 bad checks a day. We have integrated the most advanced collection software with a state of the art computer network that allows us to customize and prioritize every client????????s accounts according to their individual needs. Our organization provides recovery services on primary and secondary accounts. In the many years we have been servicing our clients accounts our recovery process has evolved into one of the most sophisticated in any area of the collection industry.

What we offer you is the ability to turn accounts that are of no value to you into a potential gold mine. Once you have exhausted all recovery efforts, either electronically or through a hands on collection program, our attorneys and support staff will garner those accounts and recover funds that would never have been retrievable otherwise. All work is done on a contingency basis.

We will return to you 100% of the principal*
on all accounts placed with our law firm.

Please keep in mind, we are not asking you to make any changes in your recovery program. We are looking to supplement your recovery program by re-working accounts that have already been exhausted by your own collection efforts. There is only an upside to the program we provide and it will cost your company nothing.*

Brad Rephen, Esq.

By combining Chexpert????????s Free Electronic Bad Check Collection Service with our Free Secondary Collection Law Firm, your clients will enjoy a highly effective Free collection solution. Employees will be able to concentrate on more productive activities rather than wasting time and/or money trying to collect bad checks.
Plus, you will get paid indefinitely for every bad check that collects electronically!

For more information please call Toll Free: (800) 810-9950


*Due to regulations a few businesses may not qualify for 100% reimbursements.


Chexpert, Inc. & LOBJR - Your Total Solution!

CLOSE WINDOW

INTERESTING HOW THEY SAY


There is only an upside to the program we provide and it will cost your company nothing.*

FOR THERE CLIENTS HMMMM PERHAPS THAT IS HOW THEY CHARGE SO MUCH TO PPL LIKE US? THEY ARE HEADHUNTERS!?!

Ok so I just paid my debt off and they said I had another check to pay on... which is true I do so i made a payment same day... and I asked if when Im done I will get proof all has been paid and Clara said yes. I have really had no probs with this company. They just tax it a bit. Not rude though the first call scared the hell out of me since its not just some regular collections company its a lawyer! So If I did not pay I would get a warrant for my arrest and bad credit, which is true so ya'll chill and pay your debts and you will be fine. Ok so thats that. Good luck! Hope the info helped!

BS, they cannot "GET A WARRANT FOR YOUR ARREST"!!!

you had me a little troll.VERY LITTLE.guest is right that entire post was BS.nice try though....NOT!!!!!!!!!!!!!!!!!

quite the succession of bs posts there.. shall we delete?

Oh, my gosh they have so many negative activity. They harrass and threaten and yell at you on the phone, it's horrible that they would alloe them to continue business in that manner. I know several people have reported them to the Better business Bearau

Actually, "The Rephen Law Firm" is indeed a scam...Do NOT fall for it! Instead call the company you owe money to yourself, personally and ask them for their suggestions...then report the "Law Firm"

Ignore the phone calls, send them a demand for proof of the debt only thru the US Post office (certified/return receipt).
Include in the letter that you will ONLY communicate with them thru the USPS and in written form and all phone calls to you and anyone else who may know you is to cease and desist immediately or you will file your own charges.

They are a scam company, bottom feeders. Next time they call tell them RIGHT AWAY that you are advising them that you are recording the call to ensure compliance with the FDCPA, then pause (even if you don't record it) then tell them you are officially informing them that all phone calls are to stop as it is harassment. Then hang up.
If you can block their number thru your phone set up, do it.
If can't, ignore the calls, if they leave messges save them but don't return them. They will try to "bait" or "scare" you.

REMEMBER: MOST legitimate law suits and attorney firms do NOT call and threaten you first.......they simply file and let the court system work FOR them. It is only the bottom feeders who resort to these tactics. It will take about 2 weeks but they will give up calling you after they receive your letter but it will start up again in about 2 months. Follow up with another certified/return receipt letter. Give them as much grief as they are giving you. If you can call block your number, call them up to 50 times in one day (to whatever number shows up on your caller id) and see how they like the interruption to their day.
Just hang up when they answer :evil:

to those posting in FAVOR of debt collection agencies.......just goes to show how POWERFUL and SUCESSFUL this website is and they are cruising it to try to scare posters.

Go away scammers.........get REAL JOBS and comply with the law via the FDCPA.

NO ONE HERE IS GOING TO LET YOU GET AWAY WITH TRYING TO SCARE POSTERS.

Try this number 845-678-1275 I just received a call from a Chris King regarding a collection. I did not give any of my inofrmation I need something in the mail and then I am still not sure.

I just got a call from Mr. Fontana w/Raphen Law Firms and agree they mumble the name but stress "Law Firm" - I told him that I would pay the amount owed it was an error on my behalf then he told me right away that they are not a collection company and will prosecute me. ummmm for 198.34? Then he proceeded to tell me that I will have to pay fees in the amount of 150.00 and damages in the amount of 175.00 total = 523.34! This was an accident I closed a bank account that I had for 12 years and missed this check causing it to be returned. This horrible call was my first notice! Very rude and won't send me written verification of debt. I???m not going to pay 523.34 and he is telling me they will prosecute..

I HAD A FEW CHECKS TO GO TO THE LAW FIRM & I DIDNT PAY
ANY ATTENTION TO IT BECAUS I READ COMMENTS ON THIS
WEB SITE... I CALLED LAW FIRM ACCUSED THEM OF BEING SCAMMERS PER THIS SITE...1MONTH LATER I RECVD A SUMMONS TO APPEAR IN COURT & HAD TO PAY TRIPPLE THE
AMOUNT THE LAW FIRM ORIGINALLY QUATED... SO TO ALL THOSE UPSET YOU WERE CONTACTD..RECONSIDER...FDCPA IS
GOOD BUT IT DOESNT RESOLV WHAT YOU OWE...HANDL YOUR
BUSINESS ....BCAUS WHEN I WAS TOLD PER JUDGE I HAD TO PAY ...I FELT ROBBED
IN COURT..

wrong on all counts.go to another site and muddy the waters there.btw typing in all caps is akin to yelling.which i bet you do on the phone when harrasing people.

Basically they are the last stop after a collections has tried to collect before it hits your credit or you get a warrant!

Um, no, you WILL NOT "get a warrant". I am so sick of that worn out scare tactic. Did you know that if unpaid debts were punishable by arrest and imprisonment, the streets of this country would be empty. We'd all be locked up for life! I would be on death row by now!

A debt collector claiming to be ???Erica Shaw or Erica Shah,??? a ???legal processor??? from a ???law firm??? called ???Rephen Law Firm??? (which she purposely pronounced ???Restin??? to avoid identification online) has attempted to collect a debt for a $45 bounced check. Their phone number is 845-678-1296. It is obvious from the overwhelming number of online complaints made to debt/credit complaint forums and the Federal Trade Commission that they are an illegitimate operation and should not be paid a single dime.

It is also evident that the ???processing fees??? they are attempting to collect are illegal given the Fair Debt Collection Practices Act (FDCPA) and therefore should not be paid either.

When questioned, she cited the Uniform Commercial Code which can be found (wiki it) and seen as an obvious sham to be cited, as states adopt only parts of the Universal Commercial Code and in different ways, meaning there is no way for her to tell me how exactly how it applies. IT DOESN???T. It???s like saying the Bible says something is wrong, but without telling me the verse. Obviously bull.

It also clear to me that their threats to take legal action and ???take me to court??? are also illegal given the FDCPA as well. They also refuse to put anything in writing and refuse to stop contacting me after both verbal and written no-contact statements, which is also illegal.

No reputable company only takes payment through Western Union. No legitimate company refuses to put things in writing or on their ???law firm??? letterhead.

My only question is why fraudulent companies such as this are still able to operate under this Act?

This company has even set up bogus ???consumer help/protection??? websites to gather people???s information!

How is this legal? Should I report again to the Federal Trade Commission?

In short, do not give these people a dime. They prey on people who do not know their legal rights. They only buy bulk debt from companies who have already written off bounced checks. They intimidate people into thinking they are going to go to jail or be taken to court because their check bounced when this is simply not true.

I am on the phone right now trying to find out more about this company. I owe $22.30 on a check. They said my account was closed. Then said my back was closed. Very rude!!!! I would not pay anything more till you contact a Lawyer. Have them check out. I but in on the computer Rephen Law Firm. You try and see what all come's up! Good luck.

I just got called from them yesterday. Everything i have read on them says it's not legitimate. So should i just ignore?

yes just ignore.

Rephen got payments from me for 10 years on a $1,200.00 I paid over $5000 to them and now 13 years later they try again to get money. They are illegal as it gets and Erica Shaw has called me for years. I'm just sorry I bought their line of crap. I caution anyone do not pay these people a dime, they will never leave you alone whether you pay them or not. They have been sued many times, they are all over the internet as illegal debt collection practices.

I recieved a call from a Joseph Francis last week from this law firm 845-678-1277. He was very rude, he told me that I had 17 bad checks out. I was in complete shock. I tried to ask questions to him and get some information. He would only give me just a little. I tried to explain that if there was checks out there on this account, then it was on a account several years ago that my bank worked with me on to close because I had checks stolen from me. Then he tried to tell me that I had another account with another bank out there. My bank even called him and faxed him the proof that it was a fraud account. NOW he is calling me saying that it is not that account and that I have another one. When I told him that I didn't have any other accounts he told me I was not telling the truth. I am reporting him today. Someone has done this in my name if this is even true and he will not give me any information to help prove that this is not me. If this is not a scam I would help find the person that is responsible for writing these checks in my name if they would give me the information that is needed, but I won't pay a dime and if they take me to court I will just prove then that it is not me. I am not dealing with this rude, jerk of a man again. I am not putting up with his harrassment for something that I have not done.

Quote:

Jahlives-I would gladly meet you on any street corner any day of the week to debate your God and take your %^& to meet him sooner than you would like, if you have any sympathy for these bottom feeders. Trust me God does not like liars, thieves and cheats also. You are scum of the earth and trust me God will be waiting for you too.

Quote:

I have been trying to get ahold of someone there too to get a Fax # so I can send in my police report proving my "bad" check was fraudulent... it has taken me over a month and now the guy i spoke with refused to give me his name and gave me a bad fax #! I am going to have to try and get ahold of someone again! I am trying to buy a house and this is screwing it all up by being on my credit! how can i complain and report these people???

My best advice would be to settle the debt with the company that you owe the money to because this way you know who you are dealing with. This company showed up on my telecheck report and the amount owed today is far more than my two bounced checks. Research before you fall into anyone given companys scam

MOST of you are uneducated fraud check writers that have no idea what you are talking about. You are in denial this is not a bogus company. I was an employee there. They are real people with real information. Just pay your debts and you wont get calls! There are certain things that we cannot say- such as warrant for your arrest- no idiot were not police! however if you do not pay LEGAL ACTIONS WILL BE TAKEN AGAINST YOU! we are not able to inform you of what legal actions you would run into by LAW. Soooo lets talk about LAW- you know so much about it? The reason we do not need to send proof is because you have recieved letters from your bank! your monthly bank statements AND you have been contacted by the collection agent themselves- after ALLLLLL those people could not contact you- thats when we did because THEY do not want to be bothered with YOU anymore. No ones saying you will go to jail- but you certainly are not the greatest citizen when walking away with free merchandise.=) toodles.

everyone who works for this bogus piece of bullsh*t will get theirs one day.that includes you above me humanoid.crawl back under your rock and delude yourself into thinking you really made a point which you didn't.because the next time this bottomfeeder does anything but call and break the law with threats.will be the first time.

I got a call today from the Rephen Law Firm. The lady spoke so fast and I was so scared by her, I finally told her she had to slow down so I could write down what she was telling me. She said I owed on these two checks from 2005. I told her I would look for the proof she said I needed and call her tomorrow (12/15/10) I did have two unhonored checks in 2005 that she is talking about. I heard nothing about these checks until 2007 when some collection agency originally called me and I couldn't remember what happened after that while I was on the phone.

After digging thru papers for 45 minutes, I decided to look up the Rephen Law Firm on computer and read all this stuff. Then I relaxed and now remember that when I did pay these two checks off, I put it on a credit card.

So I don't know what these people are doing calling me but when the payoff information I am giving it to state and federal agencies with a complaint.

The woman was rude, talked so fast I couldn't understand anything she was saying, she didn't slow down until I told her if she didn't slow down so I could write this down, I wasn't doing anything about looking. She told me I was in a lot of trouble and she would suggest that I pay the amount double the initial debt before it got any worse for me.

I am glad I found these posts - it gives me a little peace knowing I probably did pay it already. I just have to prove it.

Any advice, please post it for me. Thx

you file the AG,and FTC complaints against this bottomfeeder.also file a police report as she broke the law with that call.then ignore them.they can't do squat to you if they could they wouldn't threaten it constantly like they do.they have to rely on scare tactics because that is all they have.nothing else.

I actually got a call today from a Wendy Moore, stating I had to pay today or they were going to turn my information into the courts. I advised her I don't get payed next until Jan. She then stated they couldnt wait that long and then proceeded to tell me they would deny that payment. Why if they actually are a collection company would they deny any payment I would be making?!?! I got in touch with the original company I had written the bad check with and they couldn't help me...so I called the "check care" company the check had apparently gone to once the company handed it over. They were also very rude, stating that is the only law firm that they deal with and I would have to call them back. So, now that my blood pressure has gone through the roof, I called back. I actually got in touch with Wendy Moore once again.I asked if they could send me actual proof of how much I pay and what evey penney I would be paying would go to. Wendy then proceeded to tell me I couldnt get that, not until I actually pay it off. She then tried to threaten me with court and me getting "locked up" for the bad check. I realize I was in the wrong for having the check bounce but GEEZ! I thought about getting a lawyer, does that seem like the right thing to do?

Quote: