Midpoint Resolution Group is threatening me. How can I stop them?

Send payment within 48 hours, well Midpoint Resolution Group
has 30 days to take you to court now, if they don't that's a fdcpa violation, also when they told you 48 hours (where they have to send you a dunning letter within 5 days of initial contact, if they don't that is a FDCPA violation, and that letter has to include the notice of your right to dispute) this overshadows your right to dispute by trying to pressure you into action before that. That is overshadowing, which is another FDCPA violation. Let's see you have Midpoint Resolution Group on what looks like 1 violation already, once the five days are up that will be 3, if the fail to take you to court within 30 days that will be 4.

They must not get along with the FDCPA very well, otherwise they would follow it.

I recieved a call from Midpoint Resolution Group 1st from a woman, regarding my 23 year old son. I gave her his number. He talked to her gave her permission to talk to me. I talked to her and it was in regards to an old bank account of my sons that we paid off over a year ago, prior to his starting college. I explained this and was given to the Dir. of Operations (what a laugh) Ryan Walsh. This was the most rude, arrogant person I've talked to in some time. I tried to explain and he was yelling at me telling me that there was no way it was paid, he knew in fact it couldn't have been paid or they couldn't have bought the debt. Keep in mind I told him I'd pay the reduced amount, but I'd like 2 days to research my records to make sure I wasn't double paying. No Way! Said he will be going after my son with every legal aspect available to him, and if I didn't settle up today his credit and such would be hit tomorrow. The minute he said "sold debt" I was no longer so patient. I told him to do what he needs and I'll do what I need to do. They supposedly bought this debt from US Bank. the numbers they gave me were 1-866-600-3011 xt. 148 (Ms. Rogers) and 716-827-7771 Ext. 104 (Ryan Walsh Dir. of Operations) Caller Id showed the above 716 number and the other time 716-558-5933. How do we get Midpoint Resolution Group
to quit calling? Watch out for these guys. (This is the same group that harrassed my father-in-law for about 6 months before he passed away!) Have they no shame?

Send Midpoint Resolution Group a written request to only contact you via USPS or to not contact you at all. Send it certified mail, return receipt requested, that way you have proof.

I suggest you buy a tape recorder and check your local laws about recording calls. They violated so many laws when they had an account of mine. They told my father everything about my account (who they are collection for, amount I ???????owe??????? which was inflated 5x the amount, a settlement amount that I rejected). I question them why they would release such information to a 3rd party and they said, ???????He seemed concerned so we told him???????. The first time they called me, they said if I didn????????t pay right now, a sheriff would come to my work the next day to serve me court papers. Then they called a few days later saying pay or we will sue it. I told Midpoint Resolution Group I waited all day for the sheriff to come the last time but they never came. When you tell them you are not paying over the phone they will say you need to speak to my supervisor. The ???????supervisor??????? must google your address because he was saying, we filed this case in Franklin County Court, good luck. I was on the phone with him checking our court and nothing was filed. They even called me a few weeks after I sent a C&D letter. Let????????s say after they got my debt validation, they never responded back and sold my account to another bottom feeder. So, I suggest, buy a taper recorder when dealing with Midpoint Resolution Group, I could of used some extra $$$$. Sigh.

Real contact Information

Midpoint Resolution Group

701 Seneca Street Suite 701

Buffalo, NY 14210

Phone: 1-877-309-9445

Fax: 716-608-1415

Does anybody know how to go about filing something against Midpoint Resolution Group company? Can I ask that on this website?

I was going to go through CCCS to pay my bills but I decided to call the collection agency instead. i pleaded my case to them and within two days the collector, Midpoint Resolution Group, got word back from the client that the low settlement request they put in was approved. I can tell by the questions Jill was asking, the request was a very lengthy application process. In the short and long run, it was worth it and my bill was cut in half. Thank you Jill and Midpoint Resolution Group for going out of your way when it could have been just as easy to beat me up on something I lost control of when I lost my job.

Midpoint Resolution Group called my sister in Florida to try and find info on my brother in Ohio! Pretty sure they violated the fdcpa in the message they left. PLEASE don't let scumbags like this threaten you. Basically the worst they can due is sue you and get a judgement. You will NOT go to jail. They CANNOT have you arrested and if you instruct them properly, they can't even call you. BTW; debt-related matters are a civil item, not criminal. The only notice a sheriff would ever deliver of a financial nature is a notice of sheriff's sale or similar items involving a foreclosure on a home. Trust me, they are not going to deliver ANY kind of notice on behalf of some den of thieves that bought your credit card debt. Midpoint Resolution Group would be pretty busy nowadays, now wouldn't they? Any court notices for this type of debt would be sent via certified/registered mail. P.S. CCCS is usually a bad idea. Do-it-yourself debt negotiation is a better choice (certainly was for me). Google "Charles Phelan." I saved 30 grand using his book. Yes, that's how I know a lot on this topic...been there!

yep... i used to work there, don't hate on me though, it was a horrible mistake on my part. the people who own the company realize that illegal activity is going on through out the company, and refuse to do anything about it. They tend to fire anyone who bring illegal actions to light, and only care about bringing in the most money that they can. I highly suggest saving ALL messages left by them, and once someone says anything about LEGAL matters, or COURT to bring it to their attention, tell them you have passed the info to your lawyer (even if you haven't) and most likely they will leave you alone. To make sure Midpoint Resolution Group DO actually leave you alone, use words like fdcpa, and talk like you are actually going to take legal action, because you can, against them. This company does not have many employees, and is not very sound, all it will take is ONE big law suit to take them down, and I don't think they are willing to risk that over an old bank of america debt!!!!

They had called me first just like the others stated all about sending the sherriffs, but the only thing I let them intimidate me .He had told me if I didn't give him a promisary note over the phone hewas sending the sherriffs that night I kept telling him that I don't have that kind of money and he swore he would not cash it that it was just a promisary note. I had called him back 1 1/2 weeks later to assure he would not cash that check. I inthe mean time before that have hired a debt solution . Anyway Midpoint Resolution Group tried to cash that check afterall of course the money is not in there. Now they have called said they were a sherriff and if I didin't solve this matter in 48 hours that I would be arrested and serve 1 to 10 years in prison. I have a lawyer but what should I think. I'm scared. :cry: :evil:

First of all, DON'T BE UPSET!, Midpoint Resolution Group can't have you arrested!These scumbags are trying to frighten you, just tell them to go to he!!. Close your account or they will continue to try to take money from it. NEVER, NEVER give your bank information to scumbags such as this! Get an address and send them a Cese and Desist letter advising them to stop calling and to contact you by US mail only!

I spoke to them because there was a mixup at my bank and i thought theytook money out of my account, anyway the guy stated dont waist anmore of histime that i had to paythem or theywere going to take this to the fullest extent of the law i said well i guess what has to be done has to be done, and he said get a good lawyer. I want to pay my debt but i don't know who to pay it to. I talked to the bank i originally had the account with Midpoint Resolution Group and they told me it was sold to someone totallly different thenameis harvest group, could this be the same people. Please help me. thanks......

I really dont want to go to court and settle with Midpoint Resolution Group.

How long have you been a shill for Midpoint Resolution Group "John Slater"?

I spole to someone form their legal department. I owe 700 dollars and gave them 300. a month ago. I was told that I would get sued soon if I don't send in $350.00. I sent in 300 and was told to have the rest in by next month. I don't have the money I can only give Midpoint Resolution Group 150.00 How likely is it that I will get sued?

Today, we received a call from a Bruce Lotempio who represents a Midpoint Law & Associates. (Note: A search on Martindale showed there is no such law firm.) Mr. Lotempio claimed my wife owes $8475.92 on a One Card Visa for 13 years (1985-1998.) (Note: My wife never had a credit card with that name and she has never kept any account that long.) He stated that there is a lawsuit against my wife at this time and this will lead to a lien on our house. He advised us to transfer the debt onto my wife's current BoA Visa and said he will "help" us save $2500 off the debt if we acted immediately. I asked what would he get out of doing this and he replied, "I get nothing out of this, I am only helping you out so you would not have to pay a huge sum later." I told him I would have our daughter who is an attorney contact him since everything about the call did not sound legit to us.

The number Mr. Lotempio called from was 877-309-9445, but the number he gave us for the "law firm" was 716-827-7771.

We have submitted a complaint with the Federal Trade Commission on this matter.

Sounds like a scam to me. If he calls back, remind him that even if your wife had such a debt, that it is now beyond the SOL.

How do you know it's out of SOL?

Ih he calls again, inform him that he had 5 days to send you details of the debt (the dunning letter). What state do you live in? Have you pulled your wife's credit reports to see if there are any tradelines or inquiries related to this account?

Got a call from these people the other day. Claimed he was from Midpoint Resolution Group. A quick check on a lawyer website. Guess what no such law firm. Said they would put a lien against our home if we did not pay on a credit card debt from 23 years ago. Have they not heard of statute of limitations? Do not give these crooks any info. File a complaint with the FTC as we did. Put these people behind bars where they belong.

There IS a company named Midpoint, in New York. They're a relatively new company -- incorporated January '07. I'm sure they used other names and/or incorporated in other states before.

You can look up their information through NY's Department of State Corporation and Business Entity Database.

To save you the trouble, I've copied and pasted the information about the company below:

Current Entity Name: MIDPOINT RESOLUTION GROUP, LLC
Initial DOS Filing Date: JANUARY 19, 2007
County: ERIE
Jurisdiction: NEW YORK
Entity Type: DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status: ACTIVE

They are also licensed with the NYC Department of Consumer Affairs. You can look this up doing a quick license check.

Again, to save you the trouble, I can tell you that they are licensed as a debt collection agency and their license number is 1270493.

Midpoint refused to give me their e-mail address. However, you can find their contact info via their website. Presently, their contact information is:

Midpoint Resolution Group
701 Seneca Street Suite 701
Buffalo, NY 14210
Phone: 1-877-309-9445
Fax: 716-608-1415

I wouldn????????t be surprised if they change addresses and telephone numbers frequently.

Please note: being incorporated and being licensed means they exist as a legal entity -- it does not mean they are a legitimate, honest, bona fide company. It just means that they have paid the fee and filled out paperwork to operate as a business in the state of NY, and to receive a license as a debt collection agency.

Being incorporated and licensed doesn't mean that Midpoint is abiding by NY or federal laws; it doesn't even mean that Midpoint is acting within its originally incorporated capacity.

As an analogy, imagine that you and a few of your friends want to create a company. You pick a name and fill out paperwork, claiming that the company will do interior decorating work. Once the state issues you licenses appropriate for that industry, you decide that you instead want to be drug dealers. You and your friends like the company name you invented, so you continue to use it as the name for your drug dealing business. Perhaps you do both! Perhaps you do interior decorating as a "front" business, but your primary source of income is drug dealing. Same idea -- being incorporated and licensed is no guarantee of legitimacy or legality.

Midpoint harassed my parents with multiple phone calls about a debt that was non-existent. They called my parents epithets, made threats about lawsuits and credit reports, and generally acted without regard to professionalism, truth, or logic.

It's critical to note that a healthy dose of common sense does wonders in these kinds of situations. If you don't become panicked, enraged, or fearful, you're much more likely to see through these kinds of scams. And once a scam artist realizes that you're not a good target, s/he is likely to move on to a new potential victim.

Anyway, after first attempting to reason with Midpoint, and then insulting Midpoint, and then attempting to block Midpoint's calls, my parents were finally fed up enough to relay the matter to me.

As it happens, I am a lawyer. (I specialize in corporate litigation.) I called Midpoint numerous times and contacted them numerous times, to acquire the facts about the alleged debt. Unsurprisingly, Midpoint employees had no evidence to substantiate their claims.

I'm sure this company does buy debt from some legitimate sources, but they also definitely buy contact information and account information to pursue non-existent debts.

In other words, Midpoint probably doesn't care how they get money or from whom, as long as someone does in fact pay. Their goal is to collect money; they don't care if there is no basis (or only very limited basis) for the debt collection.

I have not researched the matter extensively. However, as I understand it, Midpoint is allowed to call telephone numbers that are on the Do Not Call registry because Midpoint has been licensed as a debt collection agency.

Since harassing phone calls are never fun, feel free to demand that all of Midpoint's communications be in writing.

You can find samples of an Initial Dispute Letter online. Fair Debt Collection . com has one. Your dispute letter will require that Midpoint to provide you with information about the debt.

You can also include language requiring all further communication to be in writing. If they continue to call, you can politely advise them that you will be taping the call in order to use it as potential evidence in a future lawsuit.

If you want to serve them with a lawsuit, this is their agent of process:

Registered Agent
INCORP SERVICES, INC.
ONE COMMERCE PLAZA
99 WASHINGTON AVENUE STE 805-A
ALBANY, NEW YORK, 12210-2822

From my preliminary research, it appears they have already been sued ???????? as recently as October 2008, in fact.

Please don't be scared. Assert your rights -- firmly, politely, and consistently. You'll find that situations resolve themselves better this way, and that you feel empowered and liberated for doing so.

I used to work there however, the collection practices used are so freakin' illegal it would make your head spin. All 4 owners, Dennis, Alex, Mike and Mark , condone the use of spoof cards, misrepresentation of the company as a law firm and withhold pay from their employees. They also have a another company out of the office called "Lakeshore". (Purchased business). If u want to sue them, I suggest that u go after that because its not protected under their LLC. Look, they are crooks and need to be shut down. They act as attorneys and scare people into paying bills that violate every law possible in the fdcpa.

Lawyer and Former employee, thanks for the great information.

I received a call from a Renee at Mid Point tel # 1-866-635-1312 X114 demanding $1500 or she was going to sue me. I researched the account and found i had paid in full in 2004. She also cliamed I passed a bad check on Octoner 25th 2008 and I have not had a checking account for 4 years! I am filing a civil suit with the Massachusetts AG's office.

My mother got a scary call from someone from Midpoint telling her if I didn't contact them that day that I was being sued. My dad died a week earlier and my mother was VERY upset not knowing why I was being sued. I called them, not knowing who they were. They said if I didn't pay the debt today that I woud be arrested. In a panic I paid them $400, scared to death that they would have me arrested. As I have learned from websites like this, they cannot have you arrest. I contacted Legalhelpers.com to check into their violations of the fdcpa. The law firm handling my case have several cases against this company.

I called the collection agency and told them my situation so they called the client for a low settlement. It got approved. I saved $700 to use for christmas shopping now. Thank you Lynn and Midpoint Resolution Group for going out of your way for me.

Hi, I have been recieving numerous phone calls RE: my mother. The first call and all other calls addressed her on my cell phone. I politely called them back and informed them that they had the wrong person and gave them her home phone number. They called her and she told them that that person no longer lived there. Now, I have not spoken to my mother in the last 20 years with the exception of about 4 conversations re: my grandfathers death in October. Appearently my mother saw it fit to use my number for her own personal gain. I am currently up to 13 calls that I have recieved with threats. I am a past bankruptcy person by 10 years. My credit score is 700. I worked hard to gain my status. Now I get my current credit card statement that the apr was 16% and never late to a jump to 27% in one month, and since the calls started. Is she ruining my credit? What do I do now? I really would not mind if they hauled her off to jail. Maybe it would teach her a lesson. How can parents use thier adult children like that and put me in this situation. What do I do next to stop the calls to my cell phone?

Mid point tracked my ex-son-in-law thru my daughters new boyfriend 3 years later. Your Mother isn't to blame on this one. Mid Point tracks you thru many avenues without the help of family and friends. They end up harrassing them as well. I also had my interest rate raised even tho I have excellent credit. I saw on the news that some credit card companys are hurting because of the economy and would be raising even good customers interest rate. And if you don't like it you can make a written protest but they would in turn cancel your credit card and your balance would be due in full. Crazy.

Midpoint Resolution Group

701 Seneca Street Suite 701

Buffalo, NY 14210

Phone: 1-877-309-9445

Fax: 716-608-1415

That's the real midpoint. Notice how their number is completely different from the 866-600-3011 number. So how could this be? ID Theft? Hmmm.

This agency contacted me for the very first time January 11th 2009 for a Washington Mutual charged off account. I owed $4,000. but they wanted me to settle the debt for $1,450.00 by the end of the month of January and said that was all I had to pay, and if I didn't pay the full $1,450.00, I would be taken to court and have a judgement filed against me by February 15th 2009. I was told that I could either pay the amount in full by the end of January, but if I couldn't I would be given another payment option and was told to call back as soon as the very next day if there were any discrepancies on the payment arrangement. I was informed by my job (I am in the army Reserves) that I would be getting paid for that montha little later than expected. I called the agency back the following day and asked them if I could possibly submit a lesser amount of $200.00 or $300.00 for the account since I was'nt going to be able to make the full payment amount and I was told I no longer had that option and once again if I did not pay the amount in full by the end of January they would forward my account to have a judgement filed against me. Well knowing that I didn't have the money I told them that was fine, and they would just have to cancel the payment because there wouldn't be any money in my account. The representative in charge of "my file" was rude and even proceeded to yell at me for canceling the payment plan and hung up on me. This conversation took place sometime around January 16th 2009. However February 2nd of 2009 my Wells Fargo account was charged $1,450.00 from Midpoint Resolution Group. The charges they made to my account were not authorized by me, and now I am not able to work nor go to school due to the fact I've faced almost $150.00 in overdraft fees. Midpoint Resolutions Group used my account information to charge my account and it wasn't authorized. I've already filed an investigation with my bank and I plan on closing my checking account by the time this issue is resolved. I am hoping that you can contact them to expedite this process. I've contacted Midpoint Resolution Group 3 times today, out of those 3 times, I was hung up on twice, and the representative who contacted me in regards to my file has used 3 different names. He refuses to give me any answers on how my money will be refunded or when. I've already contacted the California Attorney General about this issue and hopefully it will be resolved sooner rather than later

they threaten my family too that they will send a sheriff to arrest one of my family if they cant get the money that they demand. why cant the law outlaw this activity of harrasing and threatening. once they get what they want they laugh and pat themselves at their back for their stupid act. JUST HANG UP THE PHONE WHEN THEY CALL AND TELL THEM TO GO TO HELL. they just do this to anybody that they can scare. aso if your caller ID says medpoint hang up or fart on them.

Do not be scared of this medpoint resolution. many people are learning their tactics. they are just there to scare people and to harass. they have no backbone.they rob people with their threatening attitude. they cant put anybody to jail. they are evil.

I was told that the matter for my daughter had to do with her social security number. What does that have to do with debt collection?

Sounds like a "phishing" attempt to me.

AARON WILLIAMS IS A COLD HEARTED LYING JERK WHO OBVIOUSLY DESERVES TO WORK FOR THIS MID POINT AFTER ALL THE STUFF I AM READING ABOUT THAT THEY DO TO PEOPLE.

Mid Point is a collection agency and not the original debtor. They must show validation of debt within 30 days of contact. If they cannot provide proof they cannot contact you or if anything is on your credit they have to remove it, if they don't you can actually sue them.

My advise is to send a certified letter for proof of debt. Collection agencies almost NEVER have it.

If they want to sue, so what the economy sucks right now. Can squeeze water from a rock...

I got a call today from them where they actually left a voicemail. It was a joke. They told me I need an attorney and they have contacted my family and has left messages for many months. The ending of the call he said, "I wish you the best". At first with "I have received many serious complaints about you", I knew it was not valid. I will be keeping the messages, I will not be answering calls from their area or (866).

number 1 they are a scam company. they cant put you in jail and all they are going is trying to scare you. 9 times out of 10 these scumbags will have bought old debt that the statue of limitations have passed.

They keep calling my home asking for "Gus Yeager" I don't answer, cause I know its a scam to get me on the phone. The point is I have not had credit cards in years and all my accounts were/are paid off! I am even on the no call list and do not understand why these idiots keep getting through to
call!!! I even Googled the name Gus Yeager for my area code/state...he doesn't exist! I have seen all of the news reports about companies like this!

Boy I am mad! First of all, I have been getting calls from this company for someone I don't even know! This company has been calling and leaving messages for this person on my answering machine even AFTER I have asked them several times to please remove MY phone number from this list! Today was the final blow! I returned the call and when I finally got through to someone, I tried to explain that I was not the person they were looking for. I didn't even get that out of my mouth when the lady on the phone said "Are you this Person or not?". I said no and when I tried to explain they were leaving messages for the wrong person, she said "You don't have to tell me your life story!" and hung up on ME! I was ticked beyond belief and I tried calling again. This time I got a man and he said that his company wasn't calling me all the time - and that he removed my number a month and a half ago. When I asked then why are you still calling, he told me that it must be some problem with thier skip-trace department - then he hung up on ME! I am at the point of calling my lawyer because I must have some rights here - right????? Anyone with the same problem - please let me know what you did or are doing to help! This company is pestering me - not really what I am wanting to say right now!!!! help!!!!!

Boy I am mad! First of all, I have been getting calls from this company for someone I don't even know! This company has been calling and leaving messages for this person on my answering machine even AFTER I have asked them several times to please remove MY phone number from this list! Today was the final blow! I returned the call and when I finally got through to someone, I tried to explain that I was not the person they were looking for. I didn't even get that out of my mouth when the lady on the phone said "Are you this Person or not?". I said no and when I tried to explain they were leaving messages for the wrong person, she said "You don't have to tell me your life story!" and hung up on ME! I was ticked beyond belief and I tried calling again. This time I got a man and he said that his company wasn't calling me all the time - and that he removed my number a month and a half ago. When I asked then why are you still calling, he told me that it must be some problem with thier skip-trace department - then he hung up on ME! I am at the point of calling my lawyer because I must have some rights here - right????? Anyone with the same problem - please let me know what you did or are doing to help! This company is pestering me - not really what I am wanting to say right now!!!! help!!!!!

Boy I am mad! First of all, I have been getting calls from this company for someone I don't even know! This company has been calling and leaving messages for this person on my answering machine even AFTER I have asked them several times to please remove MY phone number from this list! Today was the final blow! I returned the call and when I finally got through to someone, I tried to explain that I was not the person they were looking for. I didn't even get that out of my mouth when the lady on the phone said "Are you this Person or not?". I said no and when I tried to explain they were leaving messages for the wrong person, she said "You don't have to tell me your life story!" and hung up on ME! I was ticked beyond belief and I tried calling again. This time I got a man and he said that his company wasn't calling me all the time - and that he removed my number a month and a half ago. When I asked then why are you still calling, he told me that it must be some problem with thier skip-trace department - then he hung up on ME! I am at the point of calling my lawyer because I must have some rights here - right????? Anyone with the same problem - please let me know what you did or are doing to help! This company is pestering me - not really what I am wanting to say right now!!!! help!!!!!

If anyone has dealt with this company, or better yet: WORKED for this company, please e-mail me promptly:
Please note if you're willing to participate in an on-camera or telephone interview.
Thank you kindly,
-G

you can sue them...send them a letter and let them know that the either way, whether you owed the debt or not the statue of limitations of any debt , (besides federal, student loans,,etc) is uncollectable after 7 years.