• Report: #435708

Complaint Review: Arrow Financial Services And Hayt Hayt & Landau

  • Submitted: Thu, March 19, 2009
  • Updated: Fri, March 20, 2009

  • Reported By:Mount Dora Florida
Arrow Financial Services And Hayt Hayt & Landau
7765 Sw 87 Ave Suite 101 Miami, Florida U.S.A.
  • Phone: 305-661-6660
  • Web:
  • Category: Lawyers

Arrow Financial Services And Hayt Hayt & Landau Deceptive collection & Legal Practice Miami & New York Florida & New York


*Author of original report: Arrow Financial Services, LLC and Hayt Hayt & Landau

*Consumer Comment: I don't think so.

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My husband received a summons to appear for mediation in Oct 08. The attached complaint was from Hayt Hayt & Landau. The complaint stated that Arrow Financial Services, LLC as assignee of (I do not want to provide the name here) Bank was suing him for damages. The complaint included an account # and an amount due plus interest, attorney fees and court costs.

My husband went to the mediation and requested proof of any kind that this was his debt as he had never had an account with this bank. No Proof was provided. Mediation ended unresolved.

Next, he went to a hearing before a judge. The same thing happened as did in mediation.

Next he received notice that there would be a trial.

Next, my husband received notice for a summary disposition. Attached to the disposition was simply an affadivit signed by an employee of Arrow Financial services, and stated that she was familiar with his records and the original creditor.(The name that appeared in the complaint) She did not state the true original lender or attach any proof to the affadavit. My husband responded to the summary disposition. The attorney claimed he did not have it in his file. My husband showed him proof of delivery by FedEx the previous day. The judge told the attorney he could reset the hearing after he had time to review my husband's response.

The hearing was never re-set. He has to go to trial which, had been previusly set. The trial is in a couple of weeks.

After trying to figure out what was going on, and reviewing reports from 2 credit bureaus, we have figured it out. He did have a debt with a credit card company.(We were unable to pay as I had become disabled a couple of years prior. I also was the one who made the most money) That company who he did owe money to was bought out by another bank. We were completely unaware of this. We had no communication from Arrow Financial Services. The account # on the complaint appears to be a new # assigned by the bank who bought the original debt. The bank who bought the debt, and the account # listed in the complaint does not appear on the report from one of the major credit bureaus. We ordered a credit report today from another credit bureau and discovered what I have just described. If we had known this was probably a legitimate debt my husband could have worked out some kind of settlement with them, and avoided missing work, additional attorney fees, and court costs.

I am permanently disabled, and receive very little from Social Security. We can hardly pay our medical bills and prescriptions.

Does anyone have a suggestion as to what we should do next? I believe that when it comes to trial they will produce evidence that it is my husband's debt. Do we have any grounds regarding the fact that the original creditor and account number were not stated in the complaint or at any time afterward?

Thank You for any assistance provided.

Mount Dora, Florida

This report was posted on Ripoff Report on 03/19/2009 02:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/Arrow-Financial-Services-And-Hayt-Hayt-Landau/Miami-Florida-33173/Arrow-Financial-Services-And-Hayt-Hayt-Landau-Deceptive-collection-Legal-Practice-Miam-435708. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment


AUTHOR: Laurie - (U.S.A.)

Arrow Financial is a KNOWN FDCPA violator and they file FALSE COURT DOCUMENTS. They buy old legally uncollectible debt and hope you do not show up and they can get a default judgement against you.


NEVER AGREE TO MEDIATION AGAIN - you were lucky this time. But the mediators are paid to agree with the collection agencies.
the Judge should have discharged the case in court as well

You did not state HOW OLD THE DEBT IS - it could be past statute of limations for your state - therefore they cannot legally sue. THAT'S WHY YOU NEED TO GO TO WWW.BUDHIBBS.COM ASAP

What Budd Hibbs has posted about Arrow Financial
Arrow is hard to gauge these days. They slip in and out of our list of America's Worst Agencies and from one day to the next, you don't know what type of agency you'll be encountering.

Consumers and attorneys tell us Arrow routinely and illegally changes date of last activity on credit reports, file lawsuits on time barred debts, and manufacture bogus documents for court filings.

If you are a victim of the Arrow Financial Services scam and want to take action, here are the people who are involved:

Jack Lavin, President and CEO Lavin has served as President and CEO of Arrow since 1995.

Michael Valentino, Exec Vice President & CFO

Ronald Lavin, Exec Vice President & COO Ron Lavin is responsible for overseeing Arrow's recovery operations across its four nationwide call centers.
Brian Cutler, Exec Vice President & CTO

Jeff Chen, Senior VP, Risk Management

Don Lupo, VP, Finance & Capital Markets

Steven C. Wilansky, House Counsel, VP

Barry Feierstein, VP, Bus Devp & Marketing

Joe Freda - Vice President and Controller

Freda is responsible for Arrow's accounting, financial reporting and cash management functions.

Mark Cavin - VP, Portfolio Management responsible for Arrow's portfolio inventory across all of its operations.

Paul Kottmer, VP, Human Resources is responsible for the management and development of Arrow's corporate and call center human resources departments.

Why does Arrow have such a TERRIBLE reputation?

Arrow buys old debts for almost nothing, then goes after unsuspecting consumers with the usual threats of litigation, seizure, garnishment, etc. They have been know to illegally change information on credit reports (dates of last activity) make false statements on court cases and the other entire debt collector B.S. you hear and deal with on a daily basis.

Why would an organization like Arrow consistently involve themselves in illegal activity? Because it is a BIG money maker. Bottom feeders such as Arrow have the mentality that no matter what the circumstances were in acquiring debts, that they are entitled to a return on their investment. Nothing could be further from the truth.

The laws governing debt collection and credit bureau reporting are explicit in what entities like Arrow can do. Changing the dates of last activity on a credit bureau report, (something that Arrow regularly engages in) is illegal and consumers can take actions against Arrow and the credit bureaus that allow it.

REAL lawyers can assist you in going after Arrow Financial to protect your rights. Furthermore, Arrow's bogus court filings can be challenged by professionals.

Consumers MUST understand that any pleadings by a bottom feeder AFTER they have purchased a defaulted account are hearsay and not admissible in court proceedings. Arrow employees will lie on affidavits and pleadings with statements they could never have any knowledge of. These lies and bogus filings should be challenged at every chance, they will never hold up. Consumers are encouraged to have their attorneys go after Arrow employees, make them testify to the truthfulness of their statements, watch them run, watch the cases be dismissed. See how many Arrow employees will NOT commit perjury for their employer. This is an excellent way to stop these phony pleadings and filings.

On your credit reports, challenge any and every entry placed on a credit bureau report by Arrow. In order to go after them and the credit bureaus, you MUST first challenge their reporting. That will take away their defense when you file legal actions for violating the Fair Credit Reporting Act. Arrow makes a LOT of money, you are entitled to some of it under federal law when they violate the law and your rights. The more lawsuits filed against Arrow, the better.

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#2 Author of original report

Arrow Financial Services, LLC and Hayt Hayt & Landau

AUTHOR: Red - (U.S.A.)

In my original report I stated that my husband had an account with a credit card company. It was apparently sold to at least two more companies. It may be beyond the statute of limitations. We do not know. I still believe that this information about the original debtor, and correct account number should have been provided in the original complaint. I also believe they still need to provide proof that it is my husbands debt along with the date of the last payment made. They did not provide full discovery. I believe they need to provide the discovery before trial.

If you are correct and the judge rules in their favor, do you know how much the company would be entitled to collect? Companies that purchase old debts buy them for pennies on the dollar. Is there a way to reduce the amount of judgement (if one) according to the amount paid by this company as a third purchaser of the debt? Is there a way to return to arbitration since this could have been taken care of if they had provided full discovery in the first place?
Thank you,
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#3 Consumer Comment

I don't think so.

AUTHOR: Flynrider - (U.S.A.)

If they can prove the debt (as you now suspect they can), then the judgement will probably go against you. This doesn't seem to be a case of a fly by night scam collections outfit trying to resurrect an invalid debt. You appear to actually owe this money. Don't hold out too much hope that you will escape this on a technicality about account numbers. When the opposition provides the proof of the debt, then they, the judge and you will all know that the debt is a valid one. The judge will likely rule in their favor.
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