need help with Forster and Garbus

Help Please. I had an account with Cap 1. In August received letter from Forster and Garbus with amount I owed ($1115) and I began making the payments. Have now paid them $1120 and they sent me letter stating that I now owe another $520. I called and asked for explanation they say it is for costs of filing with court. She claims that i was served with a summon on Oct. 15th (I never got anything). I asked her so when is the court date because I want to show up. She said when I respond to the summons I will get a court date. I said that's not true I have 20 days to respond etc. and I obviously couldn't have responded to a summons that I did not get. She claims that she mailed a copy of the summons and I said I didn't get it so I could not have responded. I asked for an accounting of exactly what the $520 is for and she said she could get that for me. She claims that she called my house and spoke to my friend (very interesting as the only number they have is for my cell phone and even if they had my house phone I don't ever have anyone else over and it is just me and my kids -- unless my dog answered the phone). She claims that she calls all the time and leaves messages which the number they have is for my cell and all calls are itemized and so I know she's lying. She claims all these things have been mailed and reads back my address but I never received any of them. Only the original letter and the one for $520. If they really did serve a summons wouldn't it have gone to court already?

My intention has always been to pay off all these bills that were left from divorce but I don't want to be taken in either. I live in New York.


Sub: #1 I had been more than happy to seek out this web-site.
Thu, 12/06/2012 - 11:22


Sub: #2 I had been happy to find this web-site.
Thu, 12/06/2012 - 11:21


Sub: #3 I was more than happy to find this web-site.
Thu, 12/06/2012 - 11:21


Sub: #4 No notification of Judgement!!
Tue, 06/26/2012 - 08:33

These people are something else! I made payment arrangements to pay off a debt that was originally for Credit One and purchased by Main Street Acquisition. I made the "good faith payment' and set the rest up right with my bank. Unfortunately, the bank closed my bill-pay the day after I set up the payment and never told me. The payment was due May 15th, but I wasn't aware that my bank didn't send it. So June 22nd rolls around and I get a letter dated June 13th, stating that a judgement was sent to court and that I needed to contact the office immediately if I want to make arrangements to avoid the execution of the judgement. Obviously no one answered when I called, so I left a message that Monday, and I got a call back on Tuesday the 26th. When I asked the lady if I could pay the payment that was not sent, she said it didn't matter because the judgement was sent back on the 7th and there was nothing she could do except enter into a verbal agreement for payment. She said that I was sent out a letter on the 23rd of May when the payment was defaulted, but I never received it (surprise, surprise). She said she tried to call me on 3 different times, but didn't get an answer. I don't remember getting any voicemail messages. When I asked her why I was never notified about the court date for the judgement, she said I was given 10 days to respond to the letter sent in May (that I never got!!) Now I have a judgement on my credit report and there is nothing I can do about it. Even if I pay it all today, it's only going to show as being satisfied. This is rediculous!:mad:


Sub: #5 Kleinman
Wed, 03/30/2011 - 19:46

Abraham Kleinman Esq has sued Forster and Garbus many times on behalf of people ripped off such as yourself. His number is 516-522-2621. Good luck!


Sub: #6 If a judgement was entered against me in 2006, and Forster and G
Fri, 03/25/2011 - 06:42

If a judgement was entered against me in 2006, and Forster and Garbus was the collection agency for citibank, AND if I never got a summons, just the judgement, am I eligible to join this class action suit? Someone please advise.......


Sub: #7 I'm not sure what to do now. In 2006 a judgement was entered aga
Fri, 03/25/2011 - 06:27

I'm not sure what to do now. In 2006 a judgement was entered against me (never received a summons) by Citibank for a $35,000 outstanding balance. My salary was garnished and weekly payments were made for years. I got the balance down to $25,300. only to find that Citibank charged off the debt and wrote it off. At that point, I stopped paying. In 2009 it was re-reported as a charge-off AND outstanding balance of $25, 300. I started to look up the number for Forster and Garbus so that I could resume payments OR come to some kind of settlement. THEN this came up on the search engine results. Now what can I do to get this debt paid without putting myself in a position to be scammed by these people again???


Sub: #8 whatever their claim, never ever make a payment to those so call
Sun, 03/13/2011 - 12:11

whatever their claim, never ever make a payment to those so called collection agencies,most of them are criminals anyway, call a lawyer and have him send a letter disputing the debt and let them prove in writing with supporting documentation that this is your debt, chances are they can't, especially if the debt is an old one, and if they did not get a judgement within a few years, they have a snowballs chance in hell to recover enything


Sub: #9 Answer
Thu, 02/17/2011 - 13:24

You're the Moderator.

Read No. 79 as a response to Forster and Garbus--or any fleabag collection lawyer.


Sub: #10 Strong Suit
Thu, 02/17/2011 - 13:15

With all these fleabag collection lawyers do the following:

Send them a letter by Certified Mail/Return Receipt. Tell them:

Pursuant to 15 USC 1692 et seq (Fair Debt Collection Practices Act) you are hereby notified to cease all further contacts with me concerning any and all claimed debts owed to any parties. This includes your claim of a debt owed to (PUT IN THE NAME AND ACCOUNT NUMBER THEY ARE BEATING YOU UP ON). You are specifically barred from calling me at any of my telephone numbers, including (put in all your telephone numbers). And you are prohibited from contacting me at my residence, at work, or at any other location.

If you fail to observe this notice, I will file a federal lawsuit against you pursuant to the Fair Debt Collection Practices Act, and file a formal complaint against you with the Federal Trade Commission.

This is your final notice. This is your final notice.




These fleabag collection lawyers know that if they get that kind of notice under the Fair Debt Collection Practices Act, 15 USC 1692 et seq, THEY MUST STOP CONTACTING YOU UNDER FEDERAL LAW!!!

They can still try to get money through a lawsuit, or asset seizure (if they can find any assets), but they can't contact you anymore.

That letter wil always take care of the fleabag collection companies and collection lawyers. The bastards know the law and know they have to stop contacting you after getting that notice.

Anonymous Strategic Defender

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