Graham Noble and Associates

Sound like a bunch of morons to me. At least you weren't fooled by Graham Noble and Associates.They are just bottom feeding scum. Pretty much everything out of that mans mouth was a blatant lie.

Oh it is also past the SOL of Texas as well. :D

You should have recorded that call...you have him on a bunch of violations.

Inspector would imply detective? Possibly have him nailed for impersonating a officer too. I would say file a report at your local police department and see if Graham Noble and Associates would be willing to do a 3 way call, or a conference call with them and record it. Should have some interesting results.

U KNOW I JUMP FROM SITE TO SITE AND I NOW SEE THAT PROFESSIONAL DEBTORS LIVE ON LINE BUT WE CANT PAY OUR BILLS... ACTUALLY MOST OF YOU ARE RIGHT WE CANT BE ARRESTED BUT UNFORTUNALY IF A DEBT IS ON OUR CREDIT REPORT IT IS STILL IN STAT... WHICH MEANS THAT WE ARE LEGALLY LIABLE... BUT I GUESS WE KNOW THAT BECAUSE WE ARE AFTER ALL [color=DarkRed][/color]PROFESSIONAL DEBTORS[color=Black][/color]. WE WANT PEOPLE TO STOP CALLING US ABOUT THE BILLS WE USE AND DONT PAY... THEN PAY THE BILLS BEFORE THEY GET OUT OF HAND!!! SIMPLE RITE??? NAH TECHNICALLY WE ARE STEALING DID YOU KNOW THAT??? WE ARE BORROWING GOODS AND SERVICES AND MONEY FROM LARGE COMPANIES AND DONT PAY THEM BACK SO THAT MAKES US A BUNCH OF CROOKS!!! BUT HEY WE DONT PAY WE JUST CRY TO OUR ATTYS THAT THEY SAID THIS AND THEY SAID THAT AND WE CONTINUE TO STEAL AND THINK THATS COOL... HEY IF THATS WHAT MAKES U FEEL BIG THEN SO BE IT... SO WE ENJOY THE THINGS WE BUY AND THEN DONT PAY FOR... SO THINK ON THIS WHEN YOU WRITE YOU CUTE LITTLE CEASE AND DESIST LETTERS REMEMBER THAT IF WE PAID OUR BILLS ON TIME PEOPLE LIKE THIS WOULDNT EXSIST BUT HEY YOU DONT AND THEY DO...

OH AND BY THE WAY SO YOU PEOPLE ON HERE DONT GET TOO CONFORTABLE>>> JUST BCUZ AN ACCOUT IS OUT OF STAT U ARE STILL RESPONSIBLE FOR IT, THING IS THEY CANT TAKE YOU TO COURT BUT HEY YOU STILL OWE THE MONEY BACK>>>> IN FACT LOOK AT IT LIKE THIS... YOU LENT SOMEONE TO BUY SOMETHING AND YOU MAKE AN AGREEMENT THIS MUCH DUE BACK BY THIS DATE AND IF YOU ARE LATE THIS MUCH INTEREST>>>> WELL IF THEY DONT PAY YOU WHAT DO YOU DO FORGET??? FIND THAT PERSON AND COLLECT ON IT??? TAKE THEM TO COURT???? OR JUST LET IT GO IF YOU DONT GET IT BACK AND TAKE A LOSS???? THINK ON THAT WHILE YOU ARE DIPPIN AND DODGING THE DREADED COLLECTORS, I DO!! THEN THINK BACK TO WHEN YOU SIGNED YOUR NAME TO THAT CARD AND BY DOING THAT A FORMAL CONTRACT WAS SIGNED THE MINUTE U USED THE CARD OR BOUGHT THE THINGS U NEEDED. SO IF YOU DONT LIKE BEING HARRASSED ABOUT MONEY YOU SPENT I WILL REPEAT MYSELF.. PAY THE BILL... OR STOP CREATING THE MESS U CALL CREDIT

Nice grammar, wish I would have thought of typing in all caps since I am such an idiot. BTW, I pay my debts, but I always ask for validation first so I know I am paying the right people. Once I know they are the right people to pay then I am more than happy to sit down and start talking about making arrangements to pay off what I owe. Most of my debts were generated at a time after I had a car accident, I used to work as a Emergency Medical Technician-Basic. I made between 300-500 dollars a week, I lived comfortably had a few things in my name (cell phone, a credit card, etc.) however on 9/1/06 I was involved in a car accident leaving me with some spinal injuries which stuck me with a permanent 50lb lift restriction. I'm still getting my life together and since that time some of those things I have not been able to pay some of my bills as other life necessities have to come first. (the only reason I have internet is because it is where I live) sure I owe money to some collection agencies and I am taking care of it, the ones that want to play by the law I handle professionally. Simply (as I have stated before) I request validation so that I know I am paying the right entity then I talk about paying it and attempt to resolve it as quickly as possible. The ones that don't want to conduct business legally are dealt with accordingly.

Before you go onto a public forum (despite the fact that you have the shield of anonymity called a computer) you should still try to treat some people with respect as you do not know for certain whom you are dealing with.

That said, unless you have anything constructive to add to any discussions in this forum I will not respond to any further posts from you. It appears you are a flamer here to cause grief (or a collection agency employee) makes one wonder what kind of person would search out websites just to post derogative comments, perhaps someone who thrives on creating conflict? At any rate I'm finished speaking to you unless you have something intelligent to add.

Regards

JCEMT

:hug: Well said

JCEMT, Very well put.

I'll chip in for the Hooked on Phonics course for PRFSSNL DTR. I think Gary Coleman is their new spokesperson.

:lol:

You know what? You don't have to justify a darn thing. All these people who post things like this are likely just CAs themselves and have a bug up their butt about all of us getting educated about our rights and putting our foot down about all the abuse and illegal tactics. Does he even mention all the illegal things the CAs do? No. Does he mention anything at all about how CAs STEAL peoples money when those people don't even owe it? Of course not.

I say we should from now on totally ignore posts like this, don't even dignify it with a response....post something like...


Wow...who farted? :lol:

oh my gosh goldenblast...for some reason i read the last part of your message LOL...it's a shame that people don't have something better to do than slime their way into a good forum dedicated to HELPING people. at least we're smart enough to realize what they're doing :) good solace....um i PRFSL is stinking up the place ;)

I want to say that good debt collectors are good debt collectors.
Prfssnl dtr is a type of bad debt collector that bad collections hired to harassed innocent people and
Non debtors either.
Ltd 77074,portfolio recovery,arm ,nco and many others collections agencies are getting rich
Because they hired this type of collectors,like
Mr prfssnl dtr.
Thanks all fantastic members of this forum for help
Us always.
:rose: :rose: :rose: :rose: :rose: :rose: :rose: :hug: :rose:

what cracks me up is that these people waste their time on this sight thinking someone will actually care about their berating comments and opinions!---DTR--you are obviously upset that people are learning their rights and won't put up with your verbal abuse at your day job so now you surf the debt sights and try to throw in some more of your bad behavior anonymously? Also you should try anger management in your spare time to help you deal with those Caps posts' issues! :oops:

Real genius there with the all caps response. That post is one of the main reasons our site exists. We are here to educate consumers on their rights concerning credit.By the way collector,if someone at home needs to eat you will most definitely be waiting in line.

Same guy...same routine. :evil:

I had the pleasure of speaking with Inspectior Bill Stewart of Graham Noble and Associates, what an intimidating, threatening liar. I was told better pay some loan my ex took out 10 years ago because a fraud suit was already pending in my county against me. This guy was full of lies or totally illegal according to fdcpa, but I got screwed, I had unauthorized funds taken from my account. When contacting Graham Noble & Associates they hung up on me and told me to take them to court. What a sleeze operation. They have not heard the last from me. PO'd in AZ

I too received a nice freindly phone call from Detective Bill Stewart. Boy talk about unethical and illegal. After an hour of badgering and threatening my credit and good name he weezled info from me that was given under prejiduce (stupid me). It was like confessing to a crime just to make the badgering stop. Long story short they took unauthorized funds from my account. When calling Graham Noble & Assoc they told be to take them to court and hung up. What a bunch of jerks, they have not heard the last from me. Beware of collection agencies, especially when they are trying to collect on what your ex spouse did 10 years ago. Total intimidation and bullying.

PRFSSNL DTR lets just hope you don't have to call yourself sometime to collect on a debt. can i get your ssn# so i can do a credit check on you? (just kidding administrators sorry just kindof a rhetorical ??)
the thing is prf, if, in so many cases, we were actually paying our oc's the money back, i think most would try harder when they could, i know i would. but when sleazy, lowest forms of life, like some of these collection agencies, are getting the funds, well no way in my book.
i'm thinking the oc has already written off the debt by the time people like you come around, and used it as a business deduction on their tax returns. and then they get money from you too for buying the debt. not counting the high interest rates the oc's get on most cc's..but lets not go there.
i know i wouldn't want to give up a credit card lets say just 'cause. i would need that card for extra expenses, etc.
but real people do have real problems that overtake them somehow. live with it. your spouting didn't make me feel bad at all.
in most cases i've noticed with people like you, is you are 25 yrs old (or maybe even 50) still living with mom. i think mom should've spent a little more time helping with grammar/english homework though.
:wink:

:lol: The same thing happened to us with this company he gave out my personal info to three people other than me and threatend to have me arrested and even told me he was a Officer and the sherrif will be at my house all because I asked him to supply me with supporting documents taht I even had this debt. I called the better business bureau and you would die if you herd what they told me not only are thay not accerdited they have a unsatisfactory standing with them and over 22 complaints in of the same matter. So I wrote letter and complaints to the attorney generals office and BBB. And I am persuing legal recourse towards them They are not only over stepping there boundries but lying and using false pretenses to obtain money that they cant even prove is owed.

Welcome to the forum danielleprincess, way to go. If you need any help locating an attorney you can start with naca.net to search for consumer attorneys in your area.

I got an interesting phone message and emai from my mother-in-law today, saying that Graham Noble and Associates had contacted HER because they're trying to find my husband regarding a credit card debt that must be at least 8 years old (maybe older). Apparently he wants to make a deal and give my husband a one-time offer to settle for 54% of the amount owed, OTHERWISE the Sheriff will be coming to serve my husband a summons at our home. He told my mother-in-law that he is calling all of my husband's relatives and that he has found their phone numbers in a "law enforcement" database. My mother-in-law is almost 70, so I could see how she'd be concerned and believe what this joker is saying, but do you think I need to be concerned. My husband is a paralegal and has looked into this before and is positive that the SOL has past on the debt from when he was "young and stupid." What do you all think? (So glad I found this site!)

You got them on two offenses that I a can see right off the top. (1) They are not allowed to talk to anyone except your husband about the debt. (2) They cannot sue if it is SOL. So not sheriff will be knocking on your door. I would get an address and send them a DV letter. I????????ll bet you anything that they do not have the ability to validate this.

The person who called you apparently does not know much about civil process. Except to serve for violent individuals or other related issues generally a process server will be the one to issue civil service unless the municipality does not have process servers.

Found relatives' phone numbers in a 'law-enforcement database'???? My oh my, how the plot thickens. Here's some facts about law-enforcement databases.....

1 - Unless your husband or the relative in question is involved in some srime, or a victim or witness to same, there's no reason for their information to appear in any 'law enforcement databases'.

2 - The collector states that he "that he has found their phone numbers in a "law enforcement" database." Using the least sophisticated consumer test, he's claiming that he is some sort of law enforcement official. Otherwise, he wouldn't have access to that restricted database.

3 - Pretending to be something you aren't is a big no-no for collectors. Pretending to be law enforcement or an officer of the court [same thing in many places] is a really, hugely, serious no-no. Not to mention that it's an actual crime pretty much everywhere.

Your right unclewulf. The only law enforcement database I can think of is NCICS, which only law enforcement and related agencies may access. Including but not limited to: police (city, county, and state) Judges and other certain court authorities (such as prosecuting attorneys), FBI, CIA, and DHS. This could also be taken as a veiled accusation that the individual had committed a crime.

Yup.

Unclewulf, do you think the least sophisticated consumer would believe that if they had access to NCICS that they may believe that they were actually dealing with one of the above mentioned law enforcement/judicial entities?

To the point, everything that "inspector" did was illegal. He's just hoping that you you either are too lazy or uneducated to do anything. First, file a complaint with the FTC against the collection company. File a complaint with your state attorney general's office. Contact the FBI fiancial fraud section and have them investigate. As these have happened across state lines, they might help. Contact the police attorney general in their state and file a complaint. Get 'em arrested.
Good luck

This company contacted my mother, my father and my family relative in regards to me sumons to court for a $400.00 dollar credit card that I do not believe is mine. I called this guy Michael Berstien and said he was an attorney and that this was a law firm. I've research this guy, and no where in New York Bar Association does he exist to have pass the bar and to practice law in the state. (after all what law firm calls to collect a debt). After I ask for a letter, he said he would fax it. Of course you would! What happen to mail???? anyway He is a liar and don't trust these people! I called back 5 times and they kept hanging up the phone on me...what a jerk!

Do not give these guys any information as they are scam artist and are acting outside the law as debt collectors.

If anyone has any recorded messages/conversations or written documentation from these guys let me know:

xxxxxxxxx@xxxxxxxxx.xxx

personal email removed per site ToS - Uncle Wulf

My brother was called in Atlanta in 2007 & yesterday about information on me. Same speech a investigator serving a summons on me. My bro wouldn't give the info, but called me concerned of course. I call and he was the most rude and ignorant individual I have ever had the pleasure of dealing with. About yes about an old bill. As I would like to take care of the debt he said he could give me no address no info on the bill only the amount owed and the amount he will accept. He threatened me with a bench warrant. Though I could not get him to tell me I would go to jail. He also said he would send me a fax in the AM he did not. So concerned about the debt I called back. A different man answered the business phone like this and I quote " Hello". No business greeting just hello. I told the gentleman I spoke to Mr. Bernstien lastnight I was expecting a fax. He was not there and would call me back. Within 5 mins. he called I told him no fax was recieved. I was put on hold 5 mins. and a secratary came back on the line to confirm it would be sent by the days end. Again no fax. I called a few mins ago told him to contact me with an address of his firm business w/e, acct number of debt, etc. And that I had contacted the BBB and my local law enforcement and he has yet to call me back. Once a year he has tried what Gall.

sorry . I live in NC him in ATL

My brother was called in Atlanta in 2007 & yesterday about information on me. Same speech a investigator serving a summons on me. My bro wouldn't give the info, but called me concerned of course. I call and he was the most rude and ignorant individual I have ever had the pleasure of dealing with. About yes about an old bill. As I would like to take care of the debt he said he could give me no address no info on the bill only the amount owed and the amount he will accept. He threatened me with a bench warrant. Though I could not get him to tell me I would go to jail. He also said he would send me a fax in the AM he did not. So concerned about the debt I called back. A different man answered the business phone like this and I quote " Hello". No business greeting just hello. I told the gentleman I spoke to Mr. Bernstien lastnight I was expecting a fax. He was not there and would call me back. Within 5 mins. he called I told him no fax was recieved. I was put on hold 5 mins. and a secratary came back on the line to confirm it would be sent by the days end. Again no fax. I called a few mins ago told him to contact me with an address of his firm business w/e, acct number of debt, etc. And that I had contacted the BBB and my local law enforcement and he has yet to call me back. Once a year he has tried what Gall.

WOW!!! My brother in law received a call from this worthless company and they told him that they had a court summons and that I would be served! Here they releasing personal information to the wrong person and no telling what else these idiots said to him!!!!!! Who do they really think that they are? I think it is time to have them investigated!!!!!!!!!

Bill Stewart has some how called my 90yr old Grandmother and told her they would be putting me in jail with in 24hrs and unless she wanted to be a mother at 90 she might want to pay what he was asking for the thing is this money owed is from when I was 15 so I didnt even spend it some crazy girl stole my ss and it took me yrs and a lot of money to fix what she did to me at 15 I am now 27 and thank GOD it has been fixed but this guy is crazy if he thinks for one min he will get a dime out of me or any of my family

I have had dealings with them also. I am past the SOL in Florida. The same guy called my neighbors and acted like he was the FBI looking for me. A lady called yesterday and acted like I had a case file that was going to court and was told my cousin my information and was able to obtain my cell phone number from her.

I recieved calls on my unlisted cell and home #s and the private line at my work from an "Inspector". He claimed to be looking for a woman that listed me as a "secondary relative", meaning through marriage. That the woman was to be served with a summons to appear due to a debt. I contacted the number they left at my home (they come up as "restricted" on caller ID), got a "Mr. Bernsteins office" then was given to Mr. Evans. Told him I didnt know this woman and told him to remove my info. I did some searching today and found this site. Called Graham, NOble back and spoke to the most ignorant, unprofessional person ever was then passed on to Mr Evans again. I recorded the call from that point and am contacting my attorney. I advise anyone contacted by them NOT TO GIVE THEM ANY INFORMATION of your own or the person they claim to be searching for. I am also running a credit report to be sure none of this mess has shownup there.

I too was contacted by an "Inspector Smith" at Graham Noble and Associates, come to find out Inspector Smith's real name is Karol Dunning. These people are the bottom of the barrel scum. Inspector Smith, aka; Karol, told me that they were going to send a deputy to my office to have me arrested. I think everyone who has been harrassed by them should play them at their own game, call them on their toll free number which is 888.790.4656 and find out when they plan on sending the cops to their office/home whatever the case to arrest them so they can make sure their wearing their "sunday best", don't let up, call them daily if necessary!

obviously bill payer must work for this lowly company that pretends to be law enforcement when it isnt. I think everyone should file a police report against this company as that is definitely illegal.

I was not contacted by Graham Noble and Associates, but my ex-husband and ex-in-laws were. I am very upset!! Why is this company contacting my ex-husband and his family? My ex-mother-in-law informed me that I need to contact inspector Michales within 24 hours. She was very upset not to mention I am very embarrassed. The "inspector also mentioned that either I or my attorney needed to contact them. Should I get an attorney or do you think these people are full of it?

Inspector ...BS. They are scummy bottom feeders and probably pulled your in-laws info from LexisNexis (old marraige license info). Don't waste money on an attorney, eventually they will contact you. When they do, tell them to send it in writing , verify your address and end the call. Follwo the DV process when you recive their dunning letter.

Guest, A WHOLE LOT LESS THAN YOU!!!

I'm not even sure where to begin...I did a Google search for graham, noble, and associates to see what kind of company they are. I have learned more than I ever wanted to know. I work for a sheriff's office in Georgia and was called to someone's home. The gentleman had been receiving calls from someone claiming to be a court officer. The "court officer" asked to speak to a deceased brother. When the "court officer" was informed the brother was deceased, he preceeded to ask this person if he was a mother f&*@%$ or if he prefered to f%&@ his sister. The reader's digest version of this story is...while I was collecting information to complete my report, I had the pleasure of speaking with Bill Stewart. Needless to say, a pleasant conversation it was not. He wouldn't give me any information about who he was or where he was located and called me names I don't care to put on this site. After speaking with the wonderful operators at AT&T, I found out everything I needed to know. I called him back later on and before he disconnected the phone he was threatening to have me locked up ( = Unfortunately, I did not have enough to arrest him....BUT...The Better Business Bureau and the New York Bar Association were quite interested in what I had to say!!!! You can NEVER be too educated!!!!! I know most people have figured it out already, but you can't be thrown in jail for having outstanding debt (only for writing bad checks in most states) We are not in Europe and do not have a debtors prison. While I am not promoting running up debt you know you won't be able to repay, as that falls on future consumers; life doesn't happen the way we want it to and food on the table is WAY more important than an eight year old pair of shoes! If anyone is intersted...the BBB does look into claims and if enough people continue to call/email them, maybe they will be able to show Graham, Noble, and A**holes what HARRASSMENT (according to their reply) is like!

P.S. Mr. Stewart, all caps is quite childish!

Great job, Ga Gal, I live in Ga as well and have had to put up with some of these foul mouth scumbags.

I had the same problem. These people called my mother, sister and exhusband and his wife to tell them I was going to jail over a debt that I have not paid from back in 1994. I tried to make arrangements to pay this but they wanted the money right away. I explained that I have a rare bone marrow disease and this is what started all this problem. They didn't care and said the sheriff would be at my door to arrest me if I didn't pay them $515 by the end of the month and they were being nice by letting me pay only that.

Nope, it's way past the Statute of Limitations. They cannot enforce collections on old debt. Tell them "bring it on" and hang up.

i AM GOING THROUGH THAT VERY SAME THING NOW. tHEY HAVE OVERDRAWN MY BANK ACCT BY $1200 BECAUSE THEY CHARGED TWICE FOR THE SAME THING. wHILE ON THE PHONE WITH THEM MAKING ARRANGEMENTS TO PAY THEY WERE TAKING THE MONEY OUT AND THEN TOOK IT AGAIN

anyone who reads this contact all the credit reporting agencys and put a fraud and activity alert on your reports... they find you that way.. also there are tools that they use... called skip tracing sites... all your information from soc sec numbers to the last 4-10 addresses and phone numbers are on these sites along with relatives neighbors and sometimes landlords and employers... keep close eyes on your credit reports no matter what 3rd party agency calls you because your open and available credit card and account info is on them... go to any site that offers it and get an official written cease and desist order do not talk to them unless you are recording the conversation... if they threaten to sue tell them that unless they have documentation to you via certified overnight mail with in 24 hrs your attorney will be in touch... if they call you more than 1 time in a day its harrassment if you hang up by law they CAN NOT call you back that day... if you tell them not to call they can not call you for minimum of 7 days bcuz you have to send them the written cease and desist which states they can only contact you by mail... also let them know by law you want no calls to friends relatives or neighbors... if for any reason information is given to a third party you can sue that company for violating the FAIR DEBT COLLECTION PRACTICES ACT... for disclosure and in some cases defamation of character.... what ever you do if you are contacted and you ask for paperwork and they refuse inform them you are contacting the ny state attorney general and you will report them for failure to provide proof of debt... as well as the BBB and you own attorney... do not let them have an inch... and always follow the chain of purchase... find out who the original creditor is... call them... find out where it went call that person because 9 times out of 10 the little fish work for bigger fish.. the big fish dont like the heat....

I wish I had read all of this before authorizing a payment. He purported to be the summons officer for our sheriffs office and that the judge had issued a summons for my arrest. But first, they contacted my ex -wife ( divorced 35 years ago) and then my daughter to the point of tears, who then asked that I call their office within 24 hours or else - creating an uncomfortable divide within the family. I'm on SS, surviving 2 very recent cancer surgeries and radiation treatments. These people will be reported to our state office of consumer affairs - which probably will do no good. They truly are bottom feeders with the other suckers and eels of the under world. Where's a cop when you need one? I, too, will pursue further action on their procedures for collecting a questionable debt - 14 year later, but rather than have a judgement show on my spotless credit record, I stupidly agreed to a "settlement."

Dumb in Wisconsin.

Sue them. They are violating a number of FDCPA provisions which could grant you a $1000 and possible attorney fees and court costs.

Even if you do a settlement, that will mar your credit report too.

NYS Department of State
Division of Corporations
Entity Information

--------------------------------------------------------------------------------

Selected Entity Name: A & J BREAD DISTRIBUTORS, INC.
Selected Entity Status Information Current Entity Name: GRAHAM, NOBLE & ASSOCIATES L.L.C.
Initial DOS Filing Date: APRIL 07, 2005
County: ERIE
Jurisdiction: NEW YORK
Entity Type: DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status: ACTIVE

Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
GRAHAM, NOBLE & ASSOCIATES L.L.C.
60 WESTON AVE
BUFFALO, NEW YORK, 14215
Registered Agent
OMAR L SMITH
60 WESTON AVE
BUFFALO, NEW YORK, 14215

This office does not require or maintain information regarding the names and addresses of members or managers of a limited liability company.
*Stock Information# of Shares Type of Stock $ Value per Share
No Information Available
*Stock information is applicable to domestic business corporations.
Name HistoryFiling Date Name Type Entity Name
APR 07, 2005 Actual GRAHAM, NOBLE & ASSOCIATES L.L.C.

A Fictitious name must be used when the Actual name of a foreign entity is unavailable for use in New York State. The entity must use the fictitious name when conducting its activities or business in New York State.
NOTE: New York State does not issue organizational identification numbers.


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