Make threats (Steve Larking) with documents that he state that he has. Also, he yarns when he talk to leave you a message. I know this is a collection company now. What I do know that he pretends to be the law in NY and not in TX. I'll just wait for my day in court in TX. They will call your job and I will keep the recordings.
He just called my work. I don't know anyone that I have ever did business with in NY. If no one contacts me from TX, I will not give them any information on me nor my family. If it's that serious they will have all that. I prefer to send me documents that he states that he has.
I'm in TX, so what do I do? I hate the scams and threats and constantly phones calls. Plus want you to verify yourself, but want give you their information. Well, I will not be doing that, especially not knowing who I'm talking to.
This will help. Send them a certified, return receipt letter, either a debt validation letter or a cease and desist letter. This company is located in Western New York, a haven for criminal debt collection companies. Now read the rest of the post carefully and fully as it contains information on the company whereabouts, and where to file reports on their criminal activities.
Selected Entity Name: ORACLE FINANCIAL GROUP LLC
Selected Entity Status Information Current Entity Name: ORACLE FINANCIAL GROUP LLC
DOS ID #: 4014771
Initial DOS Filing Date: NOVEMBER 02, 2010
County: ERIE
Jurisdiction: DELAWARE
Entity Type: FOREIGN 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)
ORACLE FINANCIAL GROUP LLC
1885 HARLEM RD
SUITE 200
BUFFALO, NEW YORK, 14212
Registered Agent
NONE
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
File a complaint at the NY State AG's Office here: http://www.ag.ny.gov/