Harbor Front Acquisitions LLC, is a debt collector for payday loans. They brought the loan. They left a message saying that they were going to serve papers and if I called them back they would stop the process. I spoke to them as per my rights I asked them to provide in writing the name of the original creditor and the debt validation letter. I provided them with a email so we'll see if they follow through. But you also need the following things that they are not allowed to do:
What a debt collector CANNOT do:
• Use deceptive practices. For example, threaten you with arrest or trick you into paying for collection calls.
• Use obscene language.
• Call you at work after you tell them that your boss does not approve these calls.
• Deny you the right to receive a written notice (within five days after your first phone conversation) that would tell you how much you owe and the name of the creditor that says you owe the money. If you do not receive the notice within five days, call the collection agency and ask for its address and fax number. Then, send a letter to the collector noting its failure to send you the required notice. As a minimum, make a note in your file.
• Refuse to give its name and the name of the collection company when asked.
• Put a debt on your credit report if you file a dispute. It must validate the debt by obtaining a verification of the debt or a copy of a judgment from the creditor before continuing their collection efforts. The results of the investigation must be mailed to you
HARBOR FRONT ACQUISITIONS, LLC
Posted in: http://800notes.com/Phone.aspx/1-972-457-3300
http://800notes.com/Phone.aspx/1-844-705-3311
Web site lists an address but Google street view shows a cleaning business at that location: http://www.harborfrontacq.com/contact-us.php
It could be a mail drop.
No BBB page but that is not unusual for a company that has only been stealing from people for 4 months.
New York Dept. of State info:
Selected Entity Name: HARBOR FRONT ACQUISITIONS, LLC
Selected Entity Status Information
Current Entity Name: HARBOR FRONT ACQUISITIONS, LLC
DOS ID #: 4732324
Initial DOS Filing Date: MARCH 26, 2015
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)
WESLEY NEWMAN
71 GARLAND DRIVE
AMHERST, NEW YORK, 14226
Registered Agent
WESLEY NEWMAN
71 GARLAND DRIVE
AMHERST, NEW YORK, 14226
Since this is Western New York known haven for criminal debt collectors sanctioned by Senator Chuck Shumer, there is a very good possibility that the address listed on the stat info is the business address, a residence:
https://www.google.com/maps/@42.967666,-78.80 ... !7i13312!8i6656
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/