11-14-2006

UPDATED JULY 10, 2006, 12:00 AM PST

READ ABOUT UNIFUND'S LATEST VICTIM: PAULA ISAACSON OF MESA, ARIZONA SUED BY ATTORNEYS BURSEY AND ASSOCIATES IN PHOENIX

LISTEN TO THE LIVE CALL HERE FROM JULY 10, 2006 You may want to Right click and then click "save as" This is a large file.

Subject: Collections law

Volunteer Expert: Robert Paisola

Question:
I have been reading up on Mr. Kim's case involving Unifund since now we have become the Victims' as well with Unifund. On 6/16, we were served a summons with both my husbands and my name on it from Unifund. We have never been contacted by this group, Bursey & Assoc., in Tucson who filed the lawsuit against us stating that they were representing Unifund and that we owe Unifund $2481. They never sent a letter to collect on the debt or that we had 30 days to reply if we wanted to dispute any part of the debt. Since my credit is in good standing, I asked my husband if he knew what this was for which he didn't. After pulling my husbands credit report, we discovered that it was Bank One which he opened before we met however he stopped paying on it after we got married because he lost his job. It only had a $1000 credit limit! I was angry because I never signed anything and never used the card. Since we live in Arizona (community property), apparently they are allowed to come after me to collect the debt. I do not understand how I am able to dispute the account if I am not able to talk to anyone about it?? Also, I know that they have to send the 30 day letter to give us the opportunity to dispute it according to the law. So how can they get away with just suing someone without sending the letter first and not verifying whether or not the debt is actually owed? Since the debt has been owned by 3 different companies, what are the chances that Unifund has any verifiable proof of the debt or if they are even allowed to collect on the debt? I am still trying to find the original agreement my husband signed with Bank One back in Feb 1995. I know the bottom line is that they file the lawsuit & hope that you don't respond which would result in a default judgment. Apparently, Unifund also likes to reage accounts which happens to be the case here. The last payment made to Bank One was in Sept 2003 however status date listed with Unifund is showing Dec 2005. I know this is against the law as well. Anyway, I submitted my si!
 tuition to a forum which I got a quick response stating that Unifund was breaking the law. I was referred to an attorney in my area immediately and within a couple of hours I was at his office reviewing my case. I told him that I needed to respond to the lawsuit by 5pm. He said that I shouldn't have waited so long to contact an attorney. My original intentions with the help of my friend who works for an attorney was to respond myself since I couldn't afford an attorney. I was hopeful that he would represent us since he was so eagar to meet with me within a couple of hours of talking with him. After he reviewed all the information, he told me that he was under the impression that the credit card was not used by my husband after we got married which he defaulted on but since he did then it was legal for Unifund to file a lawsuit against me as well. I asked him that regardless of that, we should still have a case since we never received any contact from this attorney or Unifund on this debt until we got served therefore we had no way to dispute the debt or have it verified that it was a valid debt and not to mention that it was reported incorrectly on my husbands credit report. Basically, he said that since my husbands credit had several charge off and collection accounts, that it really doesn't matter whether Unifund reports it incorrectly since it isn't the only account that is preventing him from getting approved for anything. Then, he asked me when the last payment was made since SOL could be used to have it dismissed however it hasn't been quite 3 years yet. He told me that he wasn't familiar with FCRA and couldn't answer some of the questions I had. He said that since he had a similar answer he already written for someone else that he would use that to give to me however he wouldn't be representing us. I was happy that I could file my answer with the court however now I ge t to look forward to going to court (pre-trial) with no representation. I don't understand how a lawyer could specialize in collection law b!
 ut don't
 know anything about the FCRA or realize that specific laws had been broken regardless of the outcome. After everything that I have read about Unifund, I was surprised that he didn't want to look into it further. Anyway, my question is does Unifund need to have verification that the debt is valid when we do go to court? I disputed both Unifund and First USA on my husbands credit report with the CA's.  I am hoping that the CA's won't be able to verify the debt which I am assuming that will be enough to dismiss the law suit. Am I correct? Any assistance in this matter would be greatly appreciated! I absolutely do NOT want these people to get away with breaking the law and not pay for it!
Thanks,
Paula

Robert Paisola's Reply to Paula:
Paula,

This is a very big issue. I want to talk to you personally and I am going to interview you on Monday.

Unifund is doing the same thing to thousands of people and we are going to stop this abuse.

I want you to visit the Western Capital Website at www.collectionindustrylivecom and watch the videos and read the articles. Send me your email address and phone number to robert@mycollector.com ASAP.

You will see the results.

Have an incredible day!

Regards,

Robert Paisola
Chief Executive Officer
Western Capital
www.mycollector.com

ABOUT YOUR AUTHOR:

Robert Paisola is driven by a passion for people--motivating them to reach for the highest standards of success. As founder and president of many International Corporations, Robert trains sales and marketing professionals who want to strive to get to the top...and stay there.

His innovative, no-nonsense approach is based on applying what he has observed in his fifteen-plus years in sales, motivational speaking and debt collection training, thus revealing the common business habits of the top 20% of
sales performers in all organizations.

Robert's approach works...that's why New York-based Success Magazine has rated Robert Paisola as one of the top-five most effective sales-training professional in the market today.

Routinely Distinguished by The National Speakers Forum, Robert is also a regular contributor to Business Week
Magazine, CNN, CNNFN, XM Satellite Radio, The Wall Street Journal, Telemundo International, National Public Radio and many other organizations.

If you are looking for personalized service, Robert now has a reduced fee schedule for AllExperts.com members at:

http://www.mycollector.com/news_vipservices.html

For more information on Robert Paisola's unique training programs, contact Robert at Western Capital at robert@mycollector.com or at 1-877-517-9555 or visit
http://www.allexperts.com/displayExpert.asp?Expert=38419 or visit www.RobertPaisola.com
 

UPDATED JUNE 21, 12:00 AM PST- NEW DELHI, INDIA

DURING A SEMINAR BREAK!

UPDATED JUNE 14, 6:29 AM PST- LOS ANGELES CALIFORNIA

UNIFUND- Dangs Office's OBJECTION To Motion to Dismiss (Updated 06-14-2006)

Yesterday, June 13, 2006, Kevin Kim went to court. As most of you know UNIFUND is doing all that it can to bury this case.  Here is Kevin's Report from Honolulu. Hawaii, after being chased for 3 years by Unifund.

June 13, 2006

Dear Robert:

It didn't go well today. Was a new judge I never faced before and the
other judge would of sided with me if he was there. Well dipshit got his
dismissal without prejudice because it is still within the statue of
limitation. The Judge didn't care if the plaintiff filed the Notice To
Dismiss in violation of Court rule #41(1a). She said this case was
unusual in the fact that I wanted to go to trial. She said after my
Lawyer's arguments that the court was leaning still toward the dismissal
without prejudice, just because of the statue of limitations hasn't run
out. The plaintiff would agree to dismissal with prejudice provided we didn't seek damages against them.

I have to figure my next step..

Here are the copies of the pleadings that were filed:

UNIFUND- Dangs Office's OBJECTION To Motion to Dismiss (Updated 12-14-2006)

6-12-2006

Robert,

Get this. My co-worker is being sued my M. Dang's law firm for capital
one. I happen to see him reading a court form I recognize. It was  the
"Notice to set aside" "Dismissal". BUT these banana's sent him a unfilled
copy, then filed in court the next day their notice, but never sent him
the file, embossed copy yet!! AND MORE SO these are suppose to be
professionals!! There ISN'T any Dismissal at all that was filed in my
co-workers court records! WHAT A BUNCH OF JOKERS!! they can't even file
the correct forms!! I wonder if there is something I can do to help him
from this? Can this be considered a form of harassment? To try to
confuse my co-worker?

UPDATED JUNE 10, 2:11 PM EST- NEW YORK CITY, NY

ATTORNEY MARVIN DANG'S OFFICE CONTINUES TO SCREW YOU! THE AMERICAN PUBLIC ON BEHALF OF UNIFUND AND ROSENBERG!  READ THE LETTER WE JUST RECEIVED FROM KEVIN KIM...

June 10, 2006

Telephone
(808) 586-2694

Address:
DCCA-PVL
Att: COLA
P.O. Box 3469
Honolulu, HI 96801
 

File a complaint with RICO
http://www.hawaii.gov/dcca/areas/rico/main/contact/
 

Regulated Industries Complaints Office

June 10, 2006 2:00 PM EST

Mr. Paisola

Just as you predicted, those asses at Marvin Dang's office (The Corrupt Attorney's In Honolulu, Hawaii- WE HAVE PROOF) filed a motion against my dismissal with prejudice. The half truths they state in their filing documents are amazing.

They are again LYING TO THE COURT by claim even though we called them, no attorney was available, but when they tried to call back and left messages, I didn't return their call.    Thank God We have the recordings!

I think that it is really convenient how they always forgot to mention how we left our cell numbers with them and they simply choose to not even listen AGAIN!  Well, Thanks to you that is documented for the Court Also!

Another issue that we will raise in court is that they filed their documents at  3:11pm Friday, on the eve of the hearing, giving no time to review it with my attorney.

Because of your site, I have been getting calls from all over the country from Attorneys and even 2 judges!  Its is clear that the Rules of court say they have to file 72-hours before.

But as my friend Curtis said, its legally know to be 72-working hours.

Just because Monday is a state Holiday, they figure that Sat, Sun, and Mon (holiday) is their 72 hours.

What horse shit these lawyers play. They can not even understand their own law!

They are also attempting to claim that my letter to withdrawal is my mutual agreement to dismiss the case without prejudice, and that they didn't have time to file the motion to dismiss with stipulation (they had 10 days), to get my signature and filed before the deadline.  That is complete bullshit, and I am sure that the court will see that.

One judge called and told me that he is watching this case carefully and that there are many people also wanting to assist me.

I like how they claim that they made several offers to settle for some unspecified dollar amounts prior to April 10, what BS.

Oh, another thing, on my memo to opposition summary judgment that I am claim in my affidavit, that I stopped payments on the credit shield before 2000. Credit Shield is my next project. I am getting a lot of requests from their victims also.

They referred to par 11 in the document that we posted on your site,  But if you read it, I clearly stated that I STOPPED PAYMENTS on 12/2001. Nice how they didn't add that in as exhibit.  Now you know why there are so many people coming to my aid.

These guys are just pissing me off more and more.... We have to get more people to complain to the DCCA so they can revoke their exempt-out-of-state license.

I will not stop until we receive justice, not for me, but for all of the UNIFUND VICTIMS AROUND THE UNITED STATES.

Thank You Robert Paisola, for without YOU, there would be NO WAY to STOP THIS INSANITY!

God Bless

Kevin Kim

Honolulu Hawaii

 UPDATED JUNE 07, 9:00 AM PST- LOS ANGELES CALIFORNIA

Talk about something that makes no sense!  We just had a call with Toby Schisler, who is the attorney who "Represents" Unifund. We asked him if he was representing Unifund for all of the VICTIMS and he said NO!... Just the ones on the letter.  We asked him to record the call for you, our loyal readers and he kept saying that he "had to get approval from his client".  OK Toby, we did the work for you.  Here is what the State of Ohio has to say on the recording of phone calls...

UPDATE 6-7-06 10:39 PM MST

Here is a Copy of Our Call to Rosenberg's Office For You! Would It Surprise you to know that he did not call back!

Now. lets look at this in detail:

Is the above code site correct and valid for the State of Ohio?   YES

Is the code CLEAR that is is LEGAL to RECORD a CALL "As long as ONE PARTY is giving Concent?"  Yes!  (That would be our offices, we concent to being able to record)

So, do you need the other parties PERMISSION to record a call.... NO!

Is their CRIMINAL INTENT? No Way baby, this is freedom of the press at work for you!

We will update this later today and you will be astounded at what the attorney said on behalf of his own client, Unifund.

They sure love to call and make demands to you, but when they are told they are speaking to 100 thousand people, they run and hide, just like the CEO of Unifund, David Rosenberg who has yet to even pick up the phone to call our office! 

We talked to Ed at the Ripoffreport.com and Bud at BudHibbs.com and he has not called them either.... AMAZING!

Stay tuned our loyal readers and listeners.

We knew it would finally happen! Unifund's CEO, David Rosenburg Runs and Hides behind his Attorneys to KEEP YOU from knowing the TRUTH!

Well, today was the magical day that we at Western Capital Have been waiting for. We received a 2 page letter from An Attorney in Cincinnati, Ohio, named TOBY SCHISLER with the lawfirm of Dinsmore and Sholl LLP.

Words can not even begin to describe what this guy is saying, so naturally, we are posting the letter for YOU to read!

Listen, I have absolutely no issue with people attacking our company and us personally for that matter, but when you start to attack the credibility of my (our) clients, that is when the crap hits the fan.

So, we ask you, our readers and listeners throughout the world, Did the CEO of UNIFUND even TRY TO CALL US TO MAKE A STATEMENT?  HELL NO!

Did he do ANYTHING but run to the nearest lawyer and threaten YOU?   NOPE!

So, as usual, we checked in with our buddy Bud Hibbs to see what he has to say about UNIFUND CORPORATION:

Bud Says... 

*** ATTENTION TEXAS RESIDENTS! ***
 IF YOU ARE CONTACTED BY UNIFUND OR THEIR TEXAS COLLECTOR, ATTORNEY JAMES HULL & ASSOCIATES, OF HOUSTON, TX GET IN CONTACT WITH ME FOR ASSISTANCE.

CLICK HERE FOR AFFIDAVIT OF INDEBTEDNESS
 

ONE OF AMERICA'S WORST COLLECTION AGENCY'S!

The "Face of Greed"

Unifund, with David Rosenberg as its majority owner, has clients as big as Citibank and American Express.  Courtesy The Cincinnati Enquirer.  Click here for the story

Read a Disturbing Unifund Horror Story from a Consumer Hero Niki B and her experience with Unifund Arbitration

***** A TOXIC WASTE DEBT COLLECTOR! *****

David Rosenberg, 48, of Cincinnati, OH and the Unifund Group are arguably one of the worst debt collectors that has EVER come on the scene.

According to court papers, Rosenberg's outfit bought up old debts, some from 1990-1991, changed the dates of last activity and account numbers, then placed them into credit bureau files as current accounts. The ONLY thing I can equate this type of activity to is someone who would steal medicine from a senior, or a pharmacist who dilutes prescriptions so they can make more money.

He happily admits to paying 3-4 cents on the dollar to purchase old (usually worthless) debts from creditors, gambling that he can turn them into big profits. This is a scam usually perpetrated by debt collectors, to rip off consumers on money they do NOT legally owe.

Rosenberg's operation is enough to cause consumers to be leery of  Unifund collection activities.   Challenge every contact from Unifund.  Make them validate their claims!  If you discover they have changed your date of last activity, contact me. 

Rosenberg and M&T Bank, Buffalo, NY developed the 'RushCard' a debit card costing users an annual fee and possible future nightmares of dealing with Unifund. (Which begs the question: Why would M&T Bank want to associate their name and reputation with Rosenberg & Unifund??)

Rosenberg takes advantage of those who can least afford it so he can continue his extravagant life style and pay for his toys, that include a Challenger 604 intercontinental jet. His lifestyle reminds me of the testimony heard during corporate criminal trials for former executives of Enron, Tyco, and Martha Stewart.

Unifund & Rosenberg won't be around much longer under those conditions, as changes to the laws and aggressive consumer attorneys can put him out of business and perhaps in jail, for extorting monies that are not legally owed.

I don't like Unifund or David Rosenberg.  I would NEVER trust him and think consumers should trust my information. Rosenberg and his "RushCard" are not helping anyone, but Rosenberg and his friends.  His collection activities have only opened old wounds and in some cases have had consumers pay debts that may  no longer be legally owed.  His past dealings send a clear signal that when Unifund operates, a LOT of people will be hurt.

The red flag is flying for Unifund for ALL consumers to stay FAR away!

Don't be surprised if you notice the date of last activity on your credit report, as stated by Unifund is WRONG! If you never resumed making payments, the law states it MUST be the same as the original creditor.

(If this is your experience, you might wish to visit the professionals at www.myfaircredit.com )

Contact me if you need assistance in dealing with a 'date of last activity' that may have been changed on Unifund accounts appearing on your credit reports.

budhibbs.com

SO NOW THAT YOU KNOW THE STORY, HERE IS THE LETTER WE RECEIVED!

PAGE ONE:

PAGE TWO:

We will not even dignify this letter with a reply.  This is further evidence that UNIFUND DOES NOT GIVE A DAMN ABOUT YOU.

UNIFUND.... SEE YOU IN HAWAII ON JUNE 13, 2006

Oh, For those of you who want to know if our CEO Robert Paisola is an Attorney? Read this Article that he published on this topic! This is DIRECTLY FROM www.ALLEXPERTS.com: MAY 05, 2006

Oh, And here are a few more complaints on UNIFUND!

Consumer's Said...

Posted comments are from consumer emails. Personal information is redacted and some messages edited for brevity. DIRECTLY FROM www.BudHibbs.com
 

Date:  May 22, 2006

Consumer sues regarding Unifund Filing Fake Documents in Court.  Click on the link and read the story.

Location: Not stated  Date:  May 17, 2006

Marvin Dang is the law firm that UNIFUND CCR PARTNERS uses to sue clueless debtors. they have used poor judgment on their evidence. In my case, they do not have all the media to show (they possess 11 copies of statements out of 78 needed), they use a generic credit card agreement (wrong year printed). keep rescheduling court then hit you with a higher bill of debt even after they made promises to hold off all fees and penalties. They claim that is all the evidence they need to validate debt. After their request for summary judgment was denied, and the Judge cited Discovery Bank vs Owens (822 N.E. 2nd 869){MUST READ}. Sent us back to pre-trial to talk, I asked for trial.. now the plaintiff is calling me and wants to settle and have me pay $1000 (they were asking for $4500+legal fees). The only reason the Judge didn't dismiss the case, because he said there are still questions of fact and more room for discovery (media). That there still room to talk between parties. But Marvin Dang's lawyers will fail to do so after court OR play the used car salesman and switch lawyers on you. play the nice guy / bad guy routine. Here is a law firm to beware of!

Location: Hickory, NC  Date:  May 5, 2006

Pure idiots...I countersued and WON!!!!Challenge all demands and make them prove you owe money...they can't!!!!

Location: Ohio  Date:  April 26, 2006

Bud, all I have to say is that Unifund Corp is some piece of you know what. I was sued by them thru local attorney. Not knowing any of my rights, I agreed to set up payments arrangements. My attorney & local attorney suing me (on Unifund behalf) signed deal for payments arrangements. I have been paying as agreed. Now another scumbag ca has tried to contact me re: same account...on behalf on Unifund again!!! They have placed new entry on one of my reports...of course dates & amounts are all wrong.

Agency Name: Unifund /CCR Partners
Location: Atlanta, GA     Date:  January 19, 2005         

I am trying to gather information and too look for people to participate in a class action law suit against Unifund and possibly have them investigated for fraud and other crimes. If you think you are a victim please e-mail me at unifundfraud@hotmail.com. Please include the following: your name
phone number & or email address  information about your case including the disposition

Agency Name: Unifund /CCR Partners   Location:  Cincinnati, OH   Date: December 27, 2005

Automatic Withdrawals of an account for which social security is the only deposit started as a nice Christmas present. 1/3 of the SSA payment is gone and 3 checks were returned as a result.

What have our legislators done to us? Any advice?

Bud Hibbs Staff Response:  We have said over and over and over NEVER give your bank account information to a debt collector.  They cannot be trusted.  Unless you close the account, they'll take whatever they think you owe them.  As for our legislators - they're only drunk with power.  They'll sober up when we kick them out of office.- Maybe.

Agency Name: Unifund /Card Services  Location:  Spring City, PA  Date: December 26, 2005

I am writing in this post here to find out about these scum suckers Unifund... I am a victim of ID theft and there is a company called Card Services that was on my credit but when I called them they informed me that the account was sold to these people. They have never reported on my credit yet but I expect them to at some point. I am already dealing with LVNV, Credigy, Asset Acceptance and NCO for some of these debts listed on my credit report. These bottom feeders are not reporting it nor did they ever contact me. I just wonder why thats all

Bud Hibbs Staff Response:  Identity Theft is your problem, not ours, according to most collectors.  All they see is a piece of paper that says you owe money and if they can get it from you, it becomes theirs.  In their world, everyone could claim to be a victim of ID theft, so they assume everyone is lying.

Agency Name: Unifund /now using National Check Bureau   Location:  Illinois  Date: 11-13-2005

I and others in Illinois are being sued by National Check Bureau. We are looking for others to join in a class action suit against them. Please email ncbfighter@auction-net.net.

Location:  Arkansas  Date: 10-10-2005

It started with the phone calls all day every day 7 days a week 6am to 12pm. So I sent them certified letter telling them to stop calling. Then the mail at lest twice a week so I sent them another letter to stop contacting me in any way. Then nothing it was nice for a while now I got served. and I am supposed to report back to make a court date. This debt is over 7 years old and is not on my credit report. I also have Unifund they keep opening up new credit report accounts and changing the account number and date it was open. Each time I send a certified letter and dispute it through my credit company as a false account and they close it but next month its the same thing new account new account numbers different name sometimes as a company card sometimes as a calling card with over $3000 dollars within 2 months yea right.
 

City: Cincinnati, OH Date: 9-28-2005

Unifund has a new partner in crime to help extort money out of consumers in Georgia.

Danny R. Page of Pollack & Rosen P.C
3091 Governors Lake Drive, N.W.
Building 100, Suite 410
Norcross, GA 30071
Phone: 770-263-9869
Fax: 770-417-1884
Email: dannyp@pollackrosen.com

They are just as bad as Unifund and their old pals at Frederick J. Hanna & Associates. Treat them like the scum they are and challenge everything you get from Danny Page or any other attorney associated with Unifund and don't let them take money from you that you don't owe.

Agency Name: Unifund / Hayt Hayt & Landau  City: Eatontown, NJ  Date:  May 23, 2005

Bud, Unifund, through Hayt Hayt & Landau, filed suit against in Monmouth County (NJ) Superior court. So far, I've answered their complaint by leaving the plaintiff with the burden of proof. Unifund has responded with Interrogatories and A Request For Admissions. I have requested my Credit Reports from three major credit agencies to see what activities were generated by Unifund. I've also requested a copy of Unifund's Collection Agency Bond from the State of New Jersey and found out that they are not bonded to as a collection agency in New Jersey. I've found out through web research that Hayt Hayt and Landau has class actions suits against them in Pennsylvania and New York for actions similar to my case. I'm looking for an attorney to file actions against both Unifund and Hayt Hayt & Landau. Respectfully, <name withheld> Long Branch, NJ

Agency Name: UNIFUND CCR PARTNERS C/O JACOBSON/SORO
City: PLANTATION, FL   Date:  May 16, 2005

THESE SLIMY SOBS-TRIED TO CLEAR THIS ACCT IN MAY 04/THEY SAID NO AND PROCEDDED TO TAKE ME TO COURT-I DUG EVERYTHING I COULD ON THIS SLIMY SOB ROSENBRG AND ALL OTHER DEALINGS HE HAD, THEN I GOT MY FRIEND MICHAEL A LAWYER TO GO TO COURT WITH ME-GUESS WHAT NOBODY SHOWS UP FROM THIS LAW FIRM, APRIL 29/05 I GET A LETTER FROM THIS LAW FIRM WANTING TO RECALL THE DISMISSAL AS EXCUSABLE-LAWYER FORGOT TO GO TO COURT-I BELIEVE RULE 20 OF SUPREME COURT SAYS NO WAY-HOWEVER THESE SLIMY BASTARD S ARNT GOING TO COURT IN TAMPA THE ARE DOING THIS BY PHONE-IN THE MAENTIME I HAVE NOT HEARD ONE WORD OR LETTER EITHER FROM UNIFUND OR THIS LAW OFFICE UNTIL THE YEAR DATE, BUT THEY STILL ADDED INTEREST TO MY CREDIT REPORT, HOPEFULLY I HAVE A GOOD JUDGE BECAUSE YOU WAIT FOR THE LAWSUIT, AND I WONT PAY IF THEY WIN-ILL TAKE IT TO COURT WITH A JURY TRIAL, IF THIS HAPPENS I MAY CALL ON YOU FOR MATERIAL THANK YOU

Agency Name: Frederick J. Hanna & Associates  State: GA Date: April 17, 2005

Here is a link to the clerk of courts in the county where Hanna's law office is domiciled where there is a lawsuit against Hanna and his law firm. I am very confident that this is public domain and you can call and receive information regarding this case. http://www.cobbgasupctclk.com/scripts/courtscv.dll/CivilDetail?caseno=02107281 http://www.cobbgasupctclk.com/scripts/courtscv.dll/CivilDetail?caseno=02107281

Agency Name: Frederick J. Hanna & Associates
Date: Sunday, April 17, 2005
 

Fred Hanna and his goons are one of the worst in the collection attorneys. He represents Unifund another agency profiled on this site as one to avoid and is number 5 on Bud's List of America's Worst Collection Agencies. They use the courts to intimidate people into signing consent agreements and paying old debts that they may not owe on behalf of Unifund. Unifund is notorious for tinkering with people's credit reports. There have been a lot of class action lawsuits against Unifund regarding their collection practices. Hanna & Unifund love to use the court system to intimidate you into signing a consent agreement agreeing to pay a debt that you may not owe or an old debt where they are charging you unfair interest. Unifund does not send demand letters so that you can respond via certified mail and dispute their claim as they are suppose to do under the FDCPA a federal law. The letters they file with the courts a bogus and the consumer never received them. They print the letters up before they have their attorneys go and file a lawsuit. Most of the time the credit report is the basis of their lawsuit. They are in collaboration with the original creditor so they will tinker with your credit report and any thing else to extort money out of consumer whether it is legal or not. Challenge everything you receive from Fred Hanna and Unifund. Don't give in to them and let them use the courts to intimidate you. If they file a lawsuit against you file an answer and make them go to trial and prove their case before a judge. They love to take advantage of people who can not afford to fight their lawsuit. They also love to go after consumers for trivial amounts so that attorneys will not help you fight their lawsuit. File an answer and make them prove their case. Don't let them call you or send any correspondence to get you to back down stand your ground because they will tell you anything to get you to pay. Sometimes when you challenge them you are able to get them to back down. If you have unfair dealings with Hanna and/or Unifund please write to the Federal Trade Commission, Your local consumer protection agencies, your local bar association, your attorney general's office, and your state supreme court. The more people that complain they will do something about them and hopefully put Hanna and his buddies at Unifund out of business and/or in jail. It is better to file complaints in writing because you can also send them copies of documents that can be used against them so please send your complaints to those agencies in writhing along with any supporting documents. The actions of Fred Hanna & Associates and Unifund amount to unfair and deceptive business practices, violations of the FCRA and the FDCPA, and racketeering (extortion).

Agency Name: Unifund CCR Partners
City: Cincinnati State: Ohio

I received a summons from my town court tonight which was delivered by a some guy in a t-shirt. It is regarding a credit account in which I fell behind on payments but the creditor would not work with me on a payment plan. The plaintiff is listed as 'Unifund CCR Partners' who I have never received a letter or phone call from before. I'm seriously concerned and confused because I remembered Unifund from your website as a credit buyer for pennies on the dollar but I also thought there were steps they needed to take before going forward with a suit. According to this paperwork I have 10 days to respond so I'm struggling for answers as to what I should do. Any information you can provide on this issue? Sincerely, <name withheld>

Bud's Response: Unifund likes to do this. What they are doing is trying to get a default judgment on you. They are hoping you do not answer the suit and the judge gives them a default decision. Don't let them get a default judgment on you. Visit www.naca.net and find a consumer attorney in your area to help you answer the suit. Once the suit is answered Unifund historically backs off it. Please understand that I am not an attorney and I am not giving you legal advise nor should you take my word for it. Find a competent attorney to help you make a decision about what to do.

Western Capital's CEO Robert Paisola visits Honolulu, Hawaii, To Hold UNIFUND Accountable & Holds National Press Conference

UPDATE June 01, 2006 03:21 PM listen to the LIVE CALL WITH ANOTHER UNIFUND- MARVIN DANG VICTIM, ELIZABETH GABRIEL

Listen To The Call - No Christmas for these  Kids That Year...

UPDATE MAY 20, 2006 11:20 AM

We knew it was not over- AND IT WILL NEVER BE OVER UNTIL YOU STAND UP FOR YOUR RIGHTS! Kevin Kim has a court Date on his case on June 13, 2006 and we will be there providing play by play details on this case.  If you have not been following the UNIFUND- ATTORNEY MARVIN DANG CASE, READ EVERYTHING!

We also received this NEW E-MAIL from ANOTHER UNIFUND/ ATTORNEY MARVIN DANG VICTIM IN HAWAII!

Dear Mr. Paisola:

Well Bessie, You are now among the hundreds of people who have replied on the UNIFUND CLASS ACTION ISSUE. We are sending your information to Mr. Kim (The Class Plaintiff) and to the Honolulu Advertiser. We are also issuing ANOTHER PRESS RELEASE TODAY!

UPDATE JUNE 6, 2006 6:23 PM

OUR OWN WESTERN CAPITAL CLIENT KEVIN KIM INVESTIGATES THE GABRIEL and BOURBEAU CASE'S!  Thanks Kevin!... Talk About Stepping Up to Assist Other Victims!

UPDATE MAY 25, 2006 8:27 AM

WHEN PUSH COMES TO SHOVE..... KEVIN KIM v UNIFUND

We received a letter from Kevin Kim Last Night on the UNIFUND case.

As many of you are aware, Kevin was in the middle of a three year court battle with UNIFUND and their Attorneys in Honolulu, Hawaii, lead by Hawaii Attorney  Marvin SC Dang.

Marvin S.C. Dang, Esq.
Law Offices of Marvin S.C. Dang
P. O. Box 4109
Honolulu, HI 96812-4109
Telephone: 808-521-8521
Fax: 808-521-8522
E-mail:  dangm@aloha.net  

Once we got involved and started posting the FACTS to this matter, they ran to the court to ask the judge to file a dismissal.

Hell No!

Kevin Kim deserves his day in court. He deserves to depose every single person at Unifund and he deserves to be compensated for his damages. Kevin Kim is stepping up to represent every single citizen of the state of Hawaii who has been abused by this firm. Remember, this is the firm that filed fraudulent documents in court!

We spoke to a reporter yesterday from the Associated Press Wire Service on Kevin's case, and you would not believe the reaction "Really, this goes on?"

So We will keep you posted, and we are still scheduled for a hearing on the case on June 02, 2006 in Hawaii.  Tickets are purchased and the game is on.

Every single attorney who reads this site needs to think about the movie THE RAINMAKER by JOHN GRISHAM

"Grisham's sixth spellbinding novel of legal intrigue and corporate greed displays all of the intricate plotting, fast-paced action, humor, and suspense that have made him the most popular author of our time. In his first courtroom thriller since A Time To Kill, John Grisham tells the story of a young man barely out of law school who finds himself taking on one of the most powerful, corrupt, and ruthless companies in America -- and exposing a complex, multibillion-dollar insurance scam. In hs final semester of law school Rudy Baylor is required to provide free legal advice to a group of senior citizens, and it is there that he meets his first "clients," Dot and Buddy Black. Their son, Donny Ray, is dying of leukemia, and their insurance company has flatly refused to pay for his medical treatments. While Rudy is at first skeptical, he soon realizes that the Blacks really have been shockingly mistreated by the huge company, and that he just may have stumbled upon one of the largest insurance frauds anyone's ever seen -- and one of the most lucrative and important cases in the history of civil litigation. The problem is, Rudy's flat broke, has no job, hasn't even passed the bar, and is about to go head-to-head with one of the best defense attorneys -- and powerful industries -- in America. "

 

FOR NATIONAL RELEASE MAY 21, 2006- UPDATED MAY 23, 2006... WOW!