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Malcolm S. Gerald & Associates

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Posts: 3044
Credits: 53459
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Today I received a letter from these people and they want payment sent to them at Malcolm S Gerald and Associates 332 South Michigan Ave, Suite 600 Chicago, Il 60604, but they have an address in the upper left hand corner PO Box 1058 Oaks, PA 19456. Thats when the first red flag went up. Then I checked them out on the BBB site and they have a unsatisfactory record with the bureau. I am going to hit them with a debt validation letter.




TMD
Posts: 280
Credits: 9912.7

Sub: #1 Very interesting...a search on FindLaw.com shows no results...th
Mon, 01/30/2006 - 13:44

Very interesting...a search on FindLaw.com shows no results...that is a database of all lawyers in the U.S. There should have been something on them on that site.




Not so Lucky
Posts: 3044
Credits: 53459

Sub: #2 I am going to contact the Commissioner of Banking in Illinois to
Mon, 01/30/2006 - 14:03

I am going to contact the Commissioner of Banking in Illinois tomorrow and see what I can find out about them. I will post whatever I find out. I forgot to post earlier they only want payment by Visa/Masterard only. Checks and MO not accepted. Red flag #2.




TMD
Posts: 280
Credits: 9912.7

Sub: #3 LOL, this guy has a website msgerald.com...you should look at it
Mon, 01/30/2006 - 14:10

LOL, this guy has a website msgerald.com...you should look at it...makes him out to be a really nice guy, hehe




Not so Lucky
Posts: 3044
Credits: 53459

Sub: #4 TMD you were right. He makes it sound so good, them WHAMO!
Mon, 01/30/2006 - 14:20

TMD you were right. He makes it sound so good, them WHAMO!




Unregistered

Sub: #5 msg
Thu, 02/09/2006 - 07:31

They are awful. Someone from there called my phone this morning and said the call was concerning information that I contacted HER for. and that if I didn't call back she wouldn't be able to get me my information. WHAT A BOLD FACE LIE!!
I called the company and the supervisor was so unprofessional and basically claimed I was making it up... What would I have to gain by doing that? I supposedly was on the line with the owners "wife" and told her they have other complaints with the BBB and she said "oh I know exactly what that's about..." and proceeded to tell me about this man and what his complaint is.
There has got to be a whole lot of illegal stuff with them, just shown in my experience with them today alone!
Ugh! Everyone RUN!




Not so Lucky
Posts: 3044
Credits: 53459

Sub: #6 I am still waiting for my debt validation letter from them. The
Thu, 02/09/2006 - 07:50

I am still waiting for my debt validation letter from them. They have stopped calling, but no validation has been presented.




Unregistered

Sub: #7 I am so glad I found your postings. I almost gave these people
Thu, 02/09/2006 - 16:20

I am so glad I found your postings. I almost gave these people my credit card information, but I always google bill collectors to see if they are on the up and up because there are so many cons out there. So, should I ask these people for a debt validation letter?




curlycarl
Posts: 617
Credits: 18827.1

Sub: #8 Definitely tkomom2, it is your right to get your debt validated.
Thu, 02/09/2006 - 16:50

Definitely tkomom2, it is your right to get your debt validated. Besides, the federal laws also put stress on it so that you are aware that you are being contacted by a collection agency with legitimate purpose. All the details about your accounts that took place with the original creditor must be mentioned to you very clearly. If you find any of the items to be incorrect in the statement, dispute it. The information must be verified with the original lender before further collections can be attempted on you.




Unregistered

Sub: #9 Thank you so much for this information. They just called me and
Fri, 02/10/2006 - 09:55

Thank you so much for this information. They just called me and I asked for the letter and he played like he didn't know what that was, so I hung up.




curlycarl
Posts: 617
Credits: 18827.1

Sub: #10 tkomom2, have your base covered by sending a debt validation req
Fri, 02/10/2006 - 10:43

tkomom2, have your base covered by sending a debt validation request in writing to the company's mailing address. In case, if the company ever pursues a legal action against you, this letter sent to them will be your strong defense to prove that you took every responsibility to pay off the debt. But the company has failed to give you any information till date. Reviewing this, the judge will make a decision that will be always favorable to you. Send your letter through certified mail / return receipt requested.




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