Betty Bee, GOOD FOR YOU! I would suggest not answering the calls at all; it seems to make these jerks believe they'll somehow get you. Perhaps they hope a rock will hit you in the head and you'll forget you already paid your bills? As for the "Feds" being on the other line, NUMBER ONE, debt is NOT a criminal matter, it is a civil matter, and NUMBER TWO, even if debt were a criminal matter, I'm quite sure it is safe to assume that the "Feds" (I'm assuming they mean the CIA, FBI etc, which are my customers, so I know how they work somewhat) they don't care about little things like a $200 payday loan. They'd care much more about crackheads and heroin addicts collecting their drug money from folks like you and me, ie EXTORTION. What state do you live in, Betty Bee? Another bit of ammo you can use if they bug you again (which they probably will) is find out if your state requires licensing to collect debts. I live in MASS and we do. These jerks are not licensed to collect anything, even if I did owe it. And, don't let them tell you they aren't debt collectors because the FDCPA definition of "debt collecter" is as follows:
(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include --
A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;
(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;
(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;
(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;
(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and
(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
Of which, none of the above apply to these a-holes....tear them a new one...just like "ISIS"; they'll be found. Hopefully, they'll have a nice dull butter knife to relieve them of their empty heads being on their shoulders....
Thank you! I agree with you completely. I live in the state of Wisconsin. Today is the first day that I have not received any phone calls from "Anthony Davis" from Rubin and Yates. I'm not going to pick it up if he does anyway. I regret ever having taken out any pay day loans for many, many, reasons. But... it was a desperate time and I did pay them back. If there is any advise I can give to anyone, it is... never take out a payday loan because aside from the atrocious fees and interest you pay, they are not quality lenders or people and they sell your information to thugs. My loans were paid back years and years ago and it still follows me in this way. I wish there was more that could be done to stop these people from harassing the people they call and stealing their money. I can completely understand how it can happen. They throw in all kinds of "legal" terms and they have just enough information about you to make their scam believable. I'm so grateful I found this forum and the resources that it has provided for me to make some sort of attempt at reaching out to others who become victims. We need to keep up the fight and report these criminals and hope that they can be stopped.
Web site with alleged contact info: http://www.rubinandyates.com/
BBB page gives them an F rating with 57 complaints and 1 negative review: http://www.bbb.org/upstate-new-york/business- ... w-ny-142027360/
Looks like they lost an FDCPA case, but they are somehow listed as being in PA: http://www.law360.com/articles/574367/out-of- ... ion-denied-fees
Facebook page: https://www.facebook.com/pages/Rubin-Yates/133776943340000
Bizapedia page that lists an address in Williamsville, NY: http://www.bizapedia.com/ny/RUBIN-AND-YATES-LLC.html
New York Dept. of State info:
Selected Entity Status Information
Current Entity Name: RUBIN AND YATES, LLC
DOS ID #: 3522325
Initial DOS Filing Date: MAY 24, 2007
County: ERIE
Jurisdiction: NEW YORK
Entity Type: DOMESTIC 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)
RUBIN AND YATES, LLC
5334 TRANSIT RD
STE 7
DEPEW, NEW YORK, 14043
Registered Agent
RALPH C. LORIGO, ESQ.
101 SLADE AVENUE
WEST SENECA, NEW YORK, 14224
The business was founded in 2007 but claims to have 30 years’ experience. There must be some sort of time warp in NY. They also indicate that they will call pretty much anybody and everybody to find you, which depending on what they say to those individuals might be a FDCPA violation, especially since they say they will do that in order to get a "message" to you.
The firm is not a member of the NY BAR Association which would be required to practice law, but they do have an attorney listed as a registered agent and he may be their in house council.
Some other information on them: https://www.businessvibes.com/companyprofile/Rubin-and-Yates-LLC
http://www.zoominfo.com/c/Rubin-and-Yates-LLC/347653481
History of violating the FDCPA:
http://www.creditinfocenter.com/community/topic/299513-rubin-and-yates/
http://forums.debtcc.com/collection-agencies/rubenandyates.html
http://forums.debtcc.com/collection-agencies/rubinandyates.html
http://www.ripoffreport.com/r/Ruben-and-Yates/Williamsville-New-York-14221/Ruben-and-Yates-Bill-McFe-This-person-disguised-to-be-a-lawyer-and-stole-60000-Will-1129119
http://whocallsme.com/Phone-Number.aspx/7166502640
http://whocallsme.com/Phone-Number.aspx/8662376191
http://whocallsme.com/Phone-Number.aspx/8775732104/2
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 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/
A person by the name of Susan Laymen claimed to be a licensed mediator and had been asked to intervene by the party filing a petition against me and my social security number to see about having the case dismissed in my county court. Their outgoing voicemail msg is difficult to decipher but they claim to be called "Oracle Financial Group" and are based in New York.