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Pinnacle collections - is this a collection agency?

Submitted by jabseb on Mon, 04/11/2005 - 16:21

I need to check on this company. I have been hospitalized for a smashed tibia and fibula. Things have been crazy and one of my bills made it to this collection agency. I told them I could start paying them in three weeks. Then I had a woman call me and tell me I didn't take make this agreement. I then thought it was a different company and new I couldn't make another payment of the same size and told her I could pay a smaller amount. Then she told me I had already made an agreement of the original amount. I then realized she was lying to me. They also want the routing number for my checking account with my agreement so they can put it through on that date. Well I don't trust them. Should I??

I recently lost my job. That's y I had to shut the tmobile phone off. now they keep calling requesting I pay them or they'll keep calling me. The only lady actually suggested that I "service" someone to get money.. Well I moved out of my room-mates apt and back into my moms to try and get things straightened out. They keep callin my old number. I gave them my new address and everything.

Submitted by on Tue, 02/27/2007 - 08:55

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Try calling the FCC near you and complain about Pinnacle using a telephone to break the law, i.e., the fdcpa. Other things to do are to call the Minnesota AG, and the AG in your own state. There are various ways to legally ruin people like these.Keep an excellent record of when they call you, and any other information that describes the events of the call. Be sure to write down the time and date of each call. Write down a name of anyone at Pinnacle , or make a note of them refusing to give out their name. If you can, record the call, if it is legal to do so in your state. You can call an attorney that specializes in violations of FDCPA. If the attorney successfully sues, you get $1,000 from the collector, and from the the party who claims you owe them money. He/she will need good records of all the calls you received and the events of that call, especially unlawful one. Good luck to all.

Submitted by on Thu, 03/08/2007 - 19:03

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I am also being harrassed by this collection agency, infact I have told them repetedly to stop calling, as they are calling my cell phone and running up minutes being ridiculous. They have accused me of lying and being the girl they are looking for, have asked for me to put her on the phone...on so on! They assured me that they would take my number off their call list, when in fact they havent! I think there should be a law agaist this kind of harrassment! I have offered to prove that I am not the person they are looking for more then once--but they still call! What do I do?

Submitted by on Thu, 03/22/2007 - 11:09

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There is a law against it.They are violating the fdcpa with those calls. Send a cease and desist letter to them telling them they have wrong person and to cease all communication with you. Send it certified return receipt. The address I listed below is what I could pull up on It may be correct or not:

Pinnacle Financial Group, Inc
7825 Washington Ave S Ste 310
Minneapolis, MN 55439-2409
Telephone: (952) 996-0559
Fax: (952) 996-0655

Submitted by cajunbulldog on Thu, 03/22/2007 - 11:58


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1. To Pinnacle, I agree people should pay their bills and asking them to do so isnt out of the ordinary or wrong. It is they way in which it is done. More people respond to fair minded, calm representatives that know their business and can speak with intelligence.
2. To people angry with companies like this. One day I finally got sick of the calls and constant badgering and I put myself on a budget and drew a line on the paper when I ran out of money. Anyone below the line didnt get paid. Simplicity is knowing what comes first. The essentials are home, food some type of family insurance plan for emergencies and the emergency fund itself. Iam not perfect but these few things I have done and am now on my way to paying off over $70k in debt. At the current rate I will be debt free in about 2 years and I only make $38k/year. Slash and burn what you dont need keep your focus and when the phone rings....DONT ANSWER!!!

Submitted by on Mon, 04/02/2007 - 15:29

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Yes Cajun that is the right address.. they sent me a letter in the mail with it on it.. And its not the fact that I dont want to pay my bills its just the fact that there are more important things to pay.. I am currently living with my mother.. Whatever money I do get form little odd jobs I give her to help with food, rent, etc...

Submitted by on Sun, 04/15/2007 - 16:16

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Maybe this will give you a little satisfaction: I recently acquired a new phone number for a fax machine. There are calls to the number night and day. I traced the number and it belongs to pinnacle. It seems someone changed their phone number, probably to avoid pinnacle's harassment and I got it. Well.. I don't care how many times they call, all they are getting is beeping! I am not changing the number although that would be a simple solution but someone else would get the number eventually and they too would be harassed. Maybe this will make you feel a little better, when they call my fax they aren't bothering you or me!!!

Submitted by on Mon, 04/16/2007 - 11:46

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I forgot to mention in my previous message that I have answered the phone when pinnacle called and informed them that I am not the person they are looking for. They chose not to believe me and continue calling. Fortunately for me the line is used for the fax machine.
I have been blessed in my life and have always had work and have never had any credit issues Praise the Lord! I don't think it is right to try not to pay our debts but pinnacle's methods seem a little harsh. Sometimes huge debts are incurred through medical expenses people can't avoid.

Submitted by on Fri, 04/20/2007 - 04:49

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When a debt collector calls, tell them you do not do business over the phone, request them to send you something in writing. If you do not receive anything in the mail within the alloted time, they are in violation of [15 USC 1692g]Section 809(a) for failure to comply with the Federal Fair Debt Collections Practices Act(fdcpa). And/If/Or you do receive something in the mail, under section 809(b), you have 30 days to respond in writing to dispute the alleged debt. This can be done by sending (certified mail-with return request) a 'dispute letter', along with a Debt Collection Disclosure Statement. If you are harassed after they have received the dispute letter, they are then in violation and could possibly be sued. Some may want to look into what a promissory note actually is! I have read that it is 'our' signatures that create the 'credit', not the 'debt'. A good website to visit on these matters is the 'suijuris' forums, there is some great information there.

Without Prejudice, Without Recourse, No Liability Accepted, No Value Assured, All Rights Reserved.

Submitted by on Thu, 05/24/2007 - 17:35

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Boy its really easy for all you to poke and pick at flaws. Maybe you should look at your own flaws. For that person that refused to verfi information. that is your fault you look guilty to a DC....if they ask the last 4 of your wife social and give you the numbers what harm is it in saying yes or no. And if you are disputing the bill send it in WRITING... DC hear that same sobbing storry every day.. i never got a bill i dont owe this.. etc .etc.. put it in black and white and they will take you serious and NOT think you a liar. At least get a fax number and fax them the request. if you can take time to complain on a web forum then you can fax a letter or mail one.

Submitted by on Sun, 07/15/2007 - 09:38

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1. Consumers are not required to provide info to a collector and do so at their own peril.We really don't know who is the other end of the phone.
2.A dispute can be verbal,this has been established by case law & Ftc.
3.The debt collector is required to follow the fdcpa in it's entirety whether you like consumer or not.If you cannot handle this,get another job.
4.I don't see any point to your post that would discuss anything relevant to the topic.

Submitted by cajunbulldog on Sun, 07/15/2007 - 10:35


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I do not own them money but sent this letter anyway. I have not heard from them since.

[quote]Your Name
City, State, ZIP .

Jan 15th 2007

[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account #

Dear [Insert name of debt collector calling--if available--here]:

1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Tennessee Attorney General's office. I will pursue all criminal and civil claims against you and your company.

3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.
Give this matter the attention it deserves!

And have a nice day.[/quote]

Submitted by on Thu, 07/26/2007 - 08:32

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These pinnacle jokers have been calling me too asking for personal info that I'm obviously not going to give out. The funny thing is, I have never had T-Mobile and neither has anyone in my entire family. I actually went into a T-Mobile store and it got sorted out that the number they were calling me on used to belong to a T-Mobile customer as a "can be reached" number. When they changed they number and we got it, the calls kept coming! So this great guy at T-Mobile deleted the number from their customers account. We'll see if the calls stop...just a suggestion for some of you who get calls but have no business with them or T-Mobile at all.

Submitted by on Wed, 08/08/2007 - 21:32

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first of all you cant record their conversation without their permission, unless you are running a business and recording for quality assurance purposes.. by the way thats a good point about affording a computer and not being able to pay the bills...

Submitted by on Fri, 08/31/2007 - 18:03

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do you go to the grocery store and not pay for the groceries?

do you tell your landlord you dont have the money for rent?

this is rediculous

it is not harrassment if you OWE a bill and someone calls you for payment...
it is the same as STEALING

Submitted by on Fri, 08/31/2007 - 18:10

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I have had a similar problem. Except that I tried to whats right and called them myself first to pay them monthly. "Michael" told me that he would not bother with small payments and would call me every day from here on out. Today is Thursday. On Friday morning I will be contacting my attorney. I'm in Florida and have access to the 4th largest law firm here. I got my family a Family Legal events plan about a year ago. We pay 36 bucks per month as a group benefit and have unlimited access to our law firm. We have called them 8 times in the last year and they have written letters on our behalf. And we still have not payed anything extra on top of our premium. If you want to get to know your rights in any state, go to We don't know all of our rights but we sure are happy we have our attorneys that can tell us.

Submitted by on Thu, 09/20/2007 - 17:24

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i tell you what worksfor me sometimes you got to just get nasty back at these unthoughtful rude people. the next time they call get there number and a good high pitch whisle and begin right after they call you and as soon as some real person answer blow it and hang up and redial them again and repeat this until they stop answering your call because there is usually more than one of these idiots that work for this type of scum company. they will call you again and when they do repeat this procedure until they finnally block you from calling them but they will still call you. now youll be block so do alittle online research because all these type co. have multiple numbers and use one of there other lines and youll see that after alittle bit back in your face crap there employees will grow causions about calling you. for me this has worked i went from a whisle to one of those boat horns from walmart for 4.95 in sporting goods they are the best if not file a complaint this usually dosent work very well and if it dose it usually takes months. not that my method is the right one but i see no other choice other to get these buttheads to stop. so to each his own.

Submitted by on Sat, 09/22/2007 - 00:26

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If you get this number don't answer it. This number called my home and left an "automated" message telling us to call "Jack". We called and it was Pinnacle. From the word hello things went to hell in seconds. They could not produce the invoice from a doctor visit over 2 years ago. My issue is an insurance issue as well, they wanted my private information, I refused to tell them anything. I also demanded to speak to a supervisor and of course one was NOT available. They are unprofessional and ridiculous to deal with. So again this is not one of the area codes I have seen in the recent thread it is 1-877-796-2497.

Submitted by on Thu, 12/06/2007 - 16:30

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the oinnacle shedevil i got this morning was so rude we had a tmobile phone a long time ago and paid the termination fee with a credit card. now they are saying we owe them over a thousand dollars that they have sent us notices for almost a year and that its not their problem if we never got them. honey my family has lived in this house for almost 6 years and this is the first i heard of you and i havent gotten anything from tmobile since january when i had my final bill. then politely informs me that they are going to garnish my bank accounts until its paid..go for it baby ive been out of work for months cause im blind and have a grand total of 1.50 in my account.

Submitted by on Wed, 01/02/2008 - 11:03

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pinnacle financial ripped us off too!! They tricked my husband into giving them our checking account number with an agreement over-the-phone to have $100 removed once a month for three months. Now we are fighting with our bank because they are still taking it out under false check numbers that we have never had and making our lives hell. They even started taking out twice a month and now we can't pay our other bills because we are so overdrawn at the bank with these and then about $200 worth of fees to cover those withdrawals. We have 2 kids under 5 years old and we now are getting letters to diconnect our electricity and we have no phone due to all of these money problems stemming from this.

Submitted by on Thu, 01/31/2008 - 14:53

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Danaa, I've had a problem similar to this before. Turns out it is remarkably easy to get ripped off with a checking account. I had a company take out a total of $350 at one time when all I agreed to was $50 seven times. I filed a complaint with the AG, talked to the banks fraud department and was assigned a new account number and the bank even covered about half of my overdraft fees that resulted from the companies fraudulant use of my bank account. Thankfully this was handled ok a few years ago and is over now. I learned from that to NEVER EVER EVER

Submitted by on Wed, 02/06/2008 - 19:04

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I'm the poster from the previous message. sorry I hit the enter button when I didn't' mean to. I was going to say that one should never ever pay with a check by phone.

I recieved a call from Pinnacle tonight. I didn't answer the phone because I did not recognize the phone number.

1. I've worked as a bill collector before (for AT&T) I know that the job is frustrating and that people lie, and you hear the sob stories over and over again. But if you can't do the job within the bounds of the law, find a different job.

2. Everyone knows that the best deal is to just pay your bills, but get real, when the choice is between paying for groceries and paying for an old cell phone, guess which one most people will choose?

3. the economy sucks at the moment. Tons of people that entered into a credit agreement thinking they had a good job and could afford it are working behind the counter at 7-11 just trying to keep from losing the electricity. that's life, it happens. Not having the ability to pay does not immediately translate into intentionally defrauding a company.

4. even if the company will not enter into a repayment agreement with you, you have the right to send them whatever type of payment you can afford. they don't have to agree to it. Keep very good receipts if you do this and if they do take you to court it significantly reduces how favorably the judges will look at the collection company- send it return receipt. If they cash the check they have pretty much agreed to the repayment terms, if they don't accept it then pretty much any judge will look at any attempt to take you to court with consistent (that's the trick) payments being attempted, regardless of how small they are, as harassing.

5. there is a percent of income limit which is different from state to state on how much can be garnished by DC. It's usually around 25%.

6. keep a log of every phone call that reaches your house after 9pm or before 8am. These calls are all illegal.

7. Keep a record of the name of every person you talk to along with any insults, fowl language, or put downs that they may choose to use. These are illegal.

You may have had a problem paying the full balance but that does not make you a dead beat. If all you can send is 10 a month, then send that, eventually it will pay it off, and in the mean time it really does help keep you from looking bad to a judge if this company really is stupid enough to ever want ANY real contact with the court system and you.

finally, there is NO WAY that a company can garnish your wages, bank account, or any other money, without taking you to court. no company that works this hard to make sure that it's employees are ignorant of the law WANTS the courts to hear from the harassment victims.

If I can't pay my bill, that may make me poor a bad credit risk, or whatever, but a DC that makes the choice to use harassing techniques is choosing to be illegal at that moment.

It is my opinion that every company that sets itself up to collect on debts should be required by law to train their employees in the nuances of the fdcpa so that some of the idiocy that we've read in this thread can be avoided. debt collectors have the right to know what laws regulate their profession. I've seen some companies that really tried to keep their employees in the dark so that they would be more forceful.

Submitted by on Wed, 02/06/2008 - 19:35

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Hi folks,

When they charged me $big bucks for a cc payment over the phone because, they pushed the button after I said I did not want it done that way,,, They did rectify the situation. But, because of hearing that they were dishonest and did not dealing online in the way of online payment center... I went back to the original creditor/ the one I owed the funds to and paid them off. And they are still calling me. I am calling the recovery department at the original center and letting them know my disgust with the actions of this so called credit bureau. I won't pay Pinnacle another dime. I will go back and pay the original if ever I get in a situation with them.

Just something that I have to do.

Take care and be debt free someday!


Submitted by on Fri, 03/21/2008 - 17:07

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I too have had my fair share of conversations with Pinnacle. One of their representatives actually told me to get off my couch and get a job. I have a job, thank you. I simply asked for him to send documentation proving the debt owed and he kept calling me a "professional debtor" and continued to tell me to get a job. These are not nice people. I, myself, am beginning to wonder if this company is a valid company or not. They continue to call and harass me. It's almost like they don't leave notes on the files as to the information the last person obtained. Just ignorant you know what people seem to work there.

Submitted by on Wed, 03/26/2008 - 14:19

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Reading through all these emails, obviously there is someone employed by Pinnacle lurking here as well as on my telephone!

The only solution I have time for right now is to block all the telephone numbers associated with Pinnacle through my phone company.

You can give me lectures all you want on paying my debt... but you're wasting your time. I don't have debt, only a new telephone number that is still on Pinnacle's calling list. Lucky me!

Submitted by on Sat, 03/29/2008 - 17:16

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First lets start with the obvious. Everyone like to beat on the debt collector. Its also hard to admit that ..some.. of them are right. This is my thought and take it as you must. I may and I may not be any of the following; a lawyer, a employee of said agent, or just a common Joe wishing to balance the playing field. First of all do not take any of my advice as legal advice. Although, I will tell you this, I have 6 years of collections experience over the last 10 years.
Now on to my statement
First of all, no offense, you owe this bill and unfortunately it is in collections. Yes you are right, the human element is in play in the collection world. As you have to agree it is in any field. No I do not believe you were handled completely proper. Although, PFG is a 3rd party debt collection company, and they have clients to answer to also, not to mention many governing bodies of the government. In the world we live in.. maybe not you..but in the world we live in a majority of people in collections will stall with an unsecured plan. For some reason when a collection company requests it, and I underline request not demands. All of the sudden it unheard of and shady, But when you make a reservation at a hotel and they require a credit card its not. Stay with me now, hear me out, you want to scroll down it a temtation. This company of you would have done your homework, is licenced and bonded in that State of Minnesota ( mind you the AG in this state dislikes collectors therefore they are strict ). With that in mind they are bound to protect your information and to uphold the laws that protect you. Such as: National Privacy Law, fdcpa, and uncountable financial laws. Many audit are done on a bonded company in Minnesota. Now with that said, when you write a check and give it to the everyday unbonded unlicenced cashier at any store, gas station, or even your land lord; are you not giving the same information unprotect to them. Your routing number and account number are on that....
Ok now back on your side..This is what I would do...I would do this with any collection company. Step one: Is the company listed in their state commerce department feel free to go as far as to call the commerce department but you only need to go online. I know PFG is listed in Minnesota. If so you are safe, also if you have to only give you debt card, this is why. Most banks I know Bank Of America and Wells Fargo do, can create you temporary debt card number for that one day. So you never have to give accual information but that over board I think. Three: if the individual collection is to rough talk to a supervisor. Although odds are they will want a secure arrangemnt..Four: In writing is a good thing, I know I would respond to this request in minute per fax if you complied with it. Five: did everyone forget about the age old wester union and money gram. Yes you pay a fee but no info to you. Lastly, and most collector will respond well if you tell them why, Magic word lets do a good faith payment.
To answer the credit question...You creditor have a right to know about your previous delinq... But if you have to know despute the paid ones and they will go away most of the time..Just make sure you dispute them with all 3 credit reporting agencies at one time.

Submitted by on Tue, 04/08/2008 - 00:17

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One collection agency aquire you number most times from their client. In my experience its understandable that number is wrong, but let me give you an example. If debt collector A talks to the debtor yesterday, at 830 am and verfys info and then 1 week or 1 day or 1 month later debt collector B calls and see this in notes, not that it give licence to be rude but I does make it frustrating when you are saying wrong number. Many time a D has given me a number and the next day the 3rd party has rf to admit they live there. This is why, you as the third party feel invade as you should and D only remembers company by the client name. I would advice instead of battling an agency verbaly just sent cert mail cease and decist, I know they will comply then. Yet I do agree the number should come out. You said he gave them a diff num not yours, then there is no crime in making sure they have it and politely asking them to remove it then. Lastly, I have a friend who works at PFG and the Jake you talking about never works never before 3pm central. Im tring to figure out how he called you at 830am.

Submitted by on Tue, 04/08/2008 - 08:21

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Donald E Garcia is not the President of PInnacle Financial Group the collection company. You can find that on your own. Donald E garcia is the President of a morgtage company with a very simular name Pinnacle Financial. Pinnacle Financial is based out of MLPS,MN not FL lol. Must not be as inside as you seem.

Submitted by on Tue, 04/08/2008 - 08:25

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Guys it is really simple if you dont engage them on the phone EVER they CANT DO ANYTHING. We did away with debtors prisons in the 1800's. Debt collection is a numbers game. Dont take their calls and they will eventually.................Truth be told they cant take your house, garnish your wages etc. Whomever put you in collections WONT take it to court because they have to spend good money after bad. It is all a game, a crap shoot fot the collection agencies. If they try to take you to court and garnish your wages, they have to do it to everyone or it is called selective prosecution. Owe a hospital bill? Pay them $1 a month and it will never go to a collection agency, then after doing that for a year write "settlement in full" in the memo line and when the check clears, you dont owe a dime............There are all kinds of ways to get out of debt............and for those of you that dont pay your visa and master card, visa and m/c sell their bad debt for pennies on the dollar and so do other companies like cell phone carriers..........Since the agency isnt the first party, they cant sue you anyway.

Submitted by on Wed, 04/23/2008 - 17:48

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Always check for a settlement offer. Sometimes if you sign up to pay 50.00 a month or even 100.00 a month they will settle your account our for like 60%. Some companies will go as low as 40%. (My husband works for a collection agency). So always ask what they can settle this out for. It is like bargaining with a car salesman

Submitted by on Mon, 09/22/2008 - 12:42

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I know exactly what all of you are going through. I had a call from a different company several weeks ago that got me all nervous and jumpy. I was boiling because they said someone was pressing charges against me. Anyway, with these types of calls and you do happen to have caller ID, don't pick up--google it to see if there is something fishy about it. I did get a call from them today...the Pinnacle Financial idiots...I was playing my drums so I didn't hear it, I called it back ONLY one time, and heard the unprofessional sounding recording as well, and I hung up. I pay these types of jerks no mind cause they are not worth my time. If someone does call with this sort of ridiculous ridiculousness, just brush them off like water off a duck's back. With the economy the way it is, more and more scamming fools are trying to get your money. If they say you need or someone you know needs a job, tell them "No, you need a job!" and hang up. You only have to worry when you recieve a summons to court handed to you by a police officer or sheriff. Phone calls are not a preferred communication style in business. Not like this anyway. Relax...breathe in, breathe out. Ignore them. -=80)

Submitted by on Sat, 02/07/2009 - 13:25

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Submitted by on Wed, 02/18/2009 - 08:48

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I have found a charge against my credit report from Pinnacle Financial Group. I called the number listed and the woman who answered could not find my account information. She said she would "transfer me" to another group, but hung up. I was on hold for 35 minutes when I found this site. Any suggestions?

Submitted by on Wed, 03/11/2009 - 20:10

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not long after the ceo's info gets posted, they get real helpful!

Submitted by on Tue, 03/24/2009 - 15:42

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Does anyone have an email for this ugly place? They keep calling me day and night, non stop. Filing bankruptcy, so this may stop calls eventually. They are idiots.

Submitted by on Mon, 04/13/2009 - 08:34

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do you have attorney in place?is there a date you plan to file?if so give them your BK attorney's number.if they refuse it wait until you file.that will eliminate the calls if not they can be in big trouble.

Submitted by paulmergel on Mon, 04/13/2009 - 08:41


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Pinnacle called me about a debt I don't owe and they won't provide any verification even when I requested it in writing. They have the wrong person but have put this on my credit report and it's the only negative item I have. I'm complaining to the FTC and I have disputed the item on my credit report. They don't seem to feel like they have to follow the rules.

Submitted by on Thu, 04/16/2009 - 09:33

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Check w/your phone subscriber. I know if you use comcast you can just dial *60 and wait for the prompts, from there you can block anyone's phone number. Once a number is put on your block list they can no longer get through to you. Add any numbers Pinnacle Financial uses to call you to your block list.

Submitted by on Fri, 04/24/2009 - 07:04

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Pinnacle called me stating that they represent citi and that I owe 4000.00 When I told him that I did not know of this account and that I recently have checked my credit and there was no statement on their from citi or pinnacle he responded that currently they are not reporting me, but that at any given time they can. If there was a balance over ten years ago, and it has since fallen off the bureaus, could they reinstate that balance -even if they are not the original debtors?

Submitted by on Thu, 04/30/2009 - 12:30

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Recently, I have had a run in with Pinnacle Collections and when I called their 800 number, a woman answered the phone without stating a company name or her name. She knew to say the Mini Miranda which is necessary, but I tried to dispute the account in question and the representative told me I would have to take it up with the client which I said is fine. I asked to be provided with a validation of the debt in question and my account marked as a dispute. She said she couldn't do that even if I sent in a written request. This is not right at all because under the FDCPA any agency whose sole or primary purpose is to collect debt is required to do this.

I will be reporting this to the attorney general and to the FTC. She violated many portions of the FDCPA and frankly I am very annoyed that they are making this very difficult to resolve.

As for calls, they can not call a cell phone, knowing it is a cell phone without your permission first. So if you receive calls and it is your cell phone simply tell them and let them know it is not to be used if they have an automatic dialer. Also, requesting a Cease and Desist on the account will stop all mail and phone calls from that collection agency unless a new account goes into their office which they can then contact you on until another Cease and Desist is demanded. This is better in writing through certified mail to have it documented that they received the letter. That works for the validation of the debt too.

You never have to give them any bank account or credit card information and if you do they can only use it on the dates intended for the correct amounts. And let it be known that the collection agent cannot give false information... that is yet another violation.

Good luck!

Submitted by on Wed, 05/06/2009 - 15:31

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does anyone have an address for these people, if so can you e-mail me at [email][/email]. thanks

Submitted by on Sun, 05/17/2009 - 10:34

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i would like some information. i received this call from a lawyers office in New Jersey concerning a bank credit card i owe. i spoke to several people and then spoke to a woman and explained our situation. was working and paying got laid off and on social security. well she said they had to have payment by the next day of 300.00 or a judgement would be issued. then if i couldnt get the money she told me then they would consider this refusal to pay. after this the amount became 400.00 in july then 150.00 for 3 more months then the payment agreement would change. i did not know what to do so i agreed. my wife is not happy with this as it is a big chunk of our only income. i tried calling the ethics dept in new jersey cant get through and now i am stuck with this agreement. please someone help me or is it too late for us? i cant afford a lawyer and my wife has a serious heart problem and the stress is hurting her health. i am not unwilling to pay this debt but not at their terms.....

Submitted by on Tue, 06/30/2009 - 09:18

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in addition to my previous request for advice, the letter i received in the mail states the lawyers name and address and the original creditor and the current creditor as this group pinnacle financial group llc. all payments will be deducted from my account as i was told and sent to them.....

Submitted by on Tue, 06/30/2009 - 09:24

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please stop calling my number Personal information removed by Shazzers for your protection, please contact this company directly, we are not affiliated with them. marcial delrey is not at this number.I dont have a number for him.I receive phone calls everyday for this person and this is my phone number not name is linda mitchell.NO MARCIAL lives at this number.DO NOT CALL

Submitted by on Thu, 08/20/2009 - 20:52

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