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888-587-0752 - Has anyone dealt with this law office?

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I got a debt settlement offer from law office of m.n.kay on behalf of FDS Bank/Macys
before I send them my money I want to make sure this is legit, and im not gonna send a bunch of money to some people and not have my debt paid off.
has anyone dealt with law offices of mitchell n. kay in the past?
thank you! :D




We have received a letter from this "Law Office" regarding a debt from 1995 that was disputed to another collection service 2 months ago. That collection service did NOT provide evidence as to the validity of the debt within the required 30 days as noted in their original collection letter. Can they even try to get a 12 year old debt? I thought that was illegal if the last activity is over 7-10 years ago. It isn't even on my credit report that's how old it is...believe me I looked. I am afraid that this company is so unscrupulous that they will actually try to post it to my credit report even though the debt is too old and has been purchased from the original creditor by 3 companies now. Can they do that?

Sub: #61 posted on Tue, 04/24/2007 - 06:50

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What does some have been prescribed mean? This is definitely not a valid debt. It is not mine - I never had a card with the company they claim and no-one seems to be able to get a hold of evidence for it. Should I hire my own lawyer to write to them on my behalf or send them a notice of intent to sue if they persist?

Sub: #62 posted on Tue, 04/24/2007 - 06:53

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Be Aware. This Law Firm is truly bogus!

Sub: #63 posted on Tue, 04/24/2007 - 13:50

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when something has prescribed - under the law, it means that the other person cannot enforce a right (which might had been violated) or can no longer assert claim over something. like some (or most of the debts) being collected by MNK, some of these has already past those periods when they can be validly collected.

Sub: #64 posted on Sun, 04/29/2007 - 02:03

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Tips:

1. Stay calm when you receive a calm from Collectors (MNK) even if you really want to crush them on the phone (if that's possible)
2. When they ask for the last four digits of your social, verify it. They just need the last four, not your entire social number.
3. Get the collectors complete name.
4. Let them state the Mini miranda and call recording disclosure, it's for your protection really, that's required by fdcpa. Dont cut them off.
5. Ask when was the debt incurred.
6. Ask who was the original creditor.
7. If they give you attitude, stay calm.
8. IF you want to have your own lawyer to call them up, tell them. Most likely they will tell you you wont need a lawyer anymore for a 100$ debt or something. But tell them that you want to protect your rights.
9. Ask them for the reference number - for their callback number and for their supervisors name.
10. Their office is located at 7 Penn Plaza in NY, NY.


Note: Does Mitchell N. Kay really exists? OR is it just their company name?
Are the agents really Americans? Some of them has a different accent. Are they outsourced?

If you feel that you are violated, tell the collector.

Sub: #65 posted on Sun, 04/29/2007 - 02:28

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Guest good info except for the personal info statement.If they think they have a debt of yours,it is up to them to prove ownership of it.It is not the resonsibility of a consumer to prove it for them.

Sub: #66 posted on Sun, 04/29/2007 - 05:38

cajunbulldog cajunbulldog
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^^to cajunbulldog: yes, i understand that, but you see, these collections agency, they get the debtors number through skiptracing, wherein they had to get/call all the numbers of the Same paerson (say, John Smith who used to live in NY when the debt/account was incurred/opened) so they would call all JOhn Smiths found in the vicinity of NY - and sometimes, they get the wrong person - though same Name, but different socials.

If a certain John SMith (with the same name as the debtor, but diff SSN) gets a call, and would hung up because he doesnt want to verify the last 4 digits of his social, then the collector would assume that he is the debtor whom theyu are looking for.

thats why verifying the social is important, because they (MNK) might have just gotten a different John Smith :)

Sub: #67 posted on Sun, 04/29/2007 - 23:17

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That is just their bad luck then. If they cannot identify who I am,I don't owe them squat. My social is not given to anyone to minimize the risks of Id theft.

Sub: #68 posted on Mon, 04/30/2007 - 05:36

cajunbulldog cajunbulldog
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6 months ago I was sent a letter regarding the payment of a debt would be reevaluated if the payments weren't late. Payments have been made on time and I was wondering when or if the account is to be reevaluated. Also, the invitation code on my letter comes up "invalid". The code you have given me is mnk99M***

Personal info removed for your safety - Mike

Sub: #69 posted on Mon, 04/30/2007 - 17:00

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I received a debt collection letter from Mitchell N. Kay for a debt that is over 10 years old. Isn't the statute of limitations up on a debt that is this old? It hasn't been on my credit report for 3 years. Does he have justification to come after me?

Sub: #70 posted on Mon, 05/07/2007 - 16:11

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