BEWARE!!! If you receive a call from Brewer Micheals and Cain (888-774-1338) refuse to speak to them. They will start out with the usual speech; "Case number blah blah blah.." They will attempt to fool you in believing that they are a law firm with lawyers on the payroll. Do not allow their illegal tactics to scare you. They are simply debt collectors. Under no circumstances should you agree that you owe the debt that they are saying that you owe. Also, do not send them a dime. They will tell you that they will be filing motions in a court of law in regards to the debt in which they are calling in reference to. These are empty threats simply to scare you in sending them money. They have an address that is actually a UPS store in North Tonawanda, New York, between Niagara Falls and Buffalo. P.O. Box 217 North Tonawanda, New York 14120. They are constantly changing the name of their collection company in an attempt to avoid the authorities. They employ ex-cons and other unsavory types to make the collection calls. If you receive a call from them, send them a 'Letter of Validation' via certified mail. You can get a sample letter on the side of my blog here.
If after they receive the letter and they persist their calls to you, file an online complaint with the New York Attorney General's office immediately. If you have any questions or wish to share your experience in dealing with these debt terrorists, please do not hesitate in contacting me. You may also leave a comment under this story.Here is a hidden video of these crooks:
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Under Provisions of Federal Law, The Fair Debt Collection Practices Act
It is Illegal for Debt Collectors to:
Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
Call consumers at work when they knew the consumers' employers prohibited such calls;
Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
Call consumers at times or places that they knew or should have known were inconvenient;
Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
Use obscene or profane language
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ATTENTION CONSUMERS!
If you are CONTACTED by a Debt Collector:
NEVER give them your banking or credit card information. They will take much more than you authorize.
NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.
NEVER send them money via Western Union.
REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.
BEWARE: Paying a debt collector will NOT get an account removed from your credit. They do NOT have that ability.
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Have them send you the settlement offer IN WRITING. Open a new checking account at your bank. Put only the amount of money in the account that you need to make the payment each month and pay out of that account
Collection agencies
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