Report: #227112

Complaint Review: Cavalry Investments, Law Office Of Joseph E. Titlebaum And Eric Rosenstein

  • Submitted: Mon, December 25, 2006
  • Updated: Tue, December 26, 2006
  • Reported By: Boston Massachusetts
  • Cavalry Investments, Law Office Of Joseph E. Titlebaum And Eric Rosenstein
    345 Neponset Street
    Canton, Massachusetts

Cavalry Investments, Law Office Of Joseph E. Titlebaum And Eric Rosenstein Largest purchaser of " Non Performing Debt " in the U.S.A. Canton Massachusetts

*Consumer Suggestion: Richard, it's all up to YOU to determine how these things work out.

Show customers why they should trust your business over your competitors...

I have firsthand experience with these mother *&*&s !
First and foremost, when you deal with these *&&* be sure to tell your boss that you will be in court over the next few months and that you will be needing a lot of time off of work.

These predators are relentless ! THEY WILL STOP AT NOTHING !
TRUST ME ! Get a GREAT lawyer - you'll need one !

Cavalry purchases " non - performing debts " for pennies on the dollar - and I do mean pennies ! Then, their lawyers file in court against you, usually a month or so AFTER they have attached and/or levied your home or whatever else the bastards can get their hands on. Kind of like the IRS.

Then, they will meet with you at the courthouse and try to work out a " payment plan " with you. If this does not work the judge will set a " pre - trial " date for the two of you to have a trial by jury.

BUT, pay close attention here, while you are leaving the courthouse thinking that you have them by the *&*& they are in the judges chambers filing a " motion for summary judgment ".

Basically, you're *&*& ! Soon after you will be served again BUT this time it is informing you that the judge found in their favor and you will have to pay the debt PLUS court costs AND
"... reasonable attorney's fees ".

Now you have two options. One is to pay the mother *&*& OR file for bankruptcy. Personally, I chose door No. 2.

I would rather ruin my credit which, by the way, was already ruined, so who the *&*& cares ! The day that I would pay Cavalry a dime would be the day that I sat down and had a full course meal on my feces ! I wanted this guy DEAD but it wouldn't be worth going to prison for.

Here's some advice to the prey that Cavalry is now hunting for :

First, get a GREAT LAWYER - not a " good " lawyer but a GREAT one ! I " couldn't afford one " so I went at it alone.

Don't even think about showing up in court without representation. The *&*& judges HATE THIS ! I swear that I would have beaten these guys if I only had brought a GREAT lawyer with me ! YOU CAN"T AFFORD NOT TO HAVE ONE !!

Second, GET RID OF JOINT ACCOUNTS ! It will destroy you ! After their done with you they will move on to your other half.

Third, NEVER, NEVER, NEVER co-sign a loan or a credit card ! This is FINANCIAL SUICIDE !

Fourth, put your ASSets into areas that cannot be touched ! Realty trusts, etc. Talk to your GREAT lawyer about it. Cavalry will take the equity out of your home !

If all else fails, file bankruptcy. Believe me, it's not as bad as you may think. Check your state bankruptcy laws versus the federal laws to see which one to file. My GREAT attorney only charged me $500.00 ( five hundred dollars ) for this service and it was easier than going to register my car ! I'm as serious as a heart attack here ! It's True !

In doing so I was able to help bring down another bunch of crooks. Go to the Federal Trade Commissions website and key in
" better budget financial services " to read all about it.

And remember, pay back is a b***h !! What goes around eventually
will come around !! DON'T GIVE UP !

Boston, Massachusetts

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This report was posted on Ripoff Report on 12/25/2006 04:44 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Richard, it's all up to YOU to determine how these things work out.

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)


I have dealt with hundreds of debt collectors and dozens of lawyers and have been sued numerous times. Guess what? I have never paid anything to anyone, and have no judgements against me. I walked away from approx $170,000 in unsecured debt approx 5 years ago.

Debt collectors are nothing like the IRS. They have no power to do anything to you, but you have to fight them and know your rights.

No need for bankruptcy unless you have assets to protect.

They cannot get anything at all unless they sue you and win. This is why you never even speak to a debt collector on the phone. This is the first nail in your coffin, as they gather info to use against you.

There is no reason to ever speak to any third party collector as it will never do anything positive for you and will only make things worse, as you found out.

Ignore everything but the summons. very few will ever sue you. Very few. And if they do, DENY everything. The only answer out of your mouth is DENY. DENY. DENY.

Make them prove EVERYTHING as the legal burden of proof is on them.

Then, even if they do win, that still does not guarantee they will ever get anything. They can only garnish a percentage of your income, and then you can dispute that for reasons of hardship. They cannot take your home, they can only file a lien on it. Some property is exempt, like your primary car, etc. Each state varies.

All bankruptcies are under federal law. They are filed in the federal court in your state of residence.

I have never used a lawyer in a debt collection case, and I have never lost.
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