Alyon Technologies (AKA) First Credit Of America ripoff fraudulent business activities illegal collection activities Secaucus New Jersey

It seems thousands of us have been harassed and victimized by these companies. Their mode of operation is to deceive then charge for services never purchased or agreed to by the victims.

Fraud is deception in practice, and this is definately fraud. To be actionalble, fraud must be deliberate, and we must prove that harm was done.

Also it helps to know the contents of the Fair Debt Collection Practices Act (On the FTC web-site. Document exactly how you were deceived, how the deception was deliberate, and what harm was done to you. Also keep records and document how First Credit of American and Merchants Credit Guide have violated the Fair Debt Collection Practices Act.

Then submit as I have done your documentation to the Illinois Consumer Fraud Bureau, and the New Jersey Division of Consumer Affairs as well as the FBI and the FTC web sites.

I also suggest that we all consider a class action lawsuit against these fraudulent companies. I would be willing to coordinate such an effort if we can all agree to pursue it.

Bill P.
Nashville, Tennessee
U.S.A.