Brewer, Michaels, And Kane Aka Tri-Financial, LLC Aka CNE Financial Unscrupulously Fraudulent Debt Collection Practices for Debt that doesn't exist North Tonawanda New York

J. W. obviously does not understand how you were ripped off illegaly. Yes always make sure the debt you are being accussed of is legit. Make the collector verify the debt they are claiming you owe before any payment is made. Never pay a collector over the phone. Never give out any personal info no matter who they say they are and how nasty they maybe. I hope J.W. was dealing directly with Citi Bank and not with Tri-Financial when they cut a deal. If it was Tri-Financial I guaranty they will be calling you back in a few months or years for the rest. I sure hope you have the agreement in writing. Tri-Financial will not verify a debt because they can not provide proper proof to the debtor. You are lucky to receive any paperwork in the mail from them. They make their money off from threatening people over the phone. They like to use the scare method for their collections, which is totally illegal. They can not threaten you like they did with a Civil Suit and they can not talk to anyone else about collection a debt from you. They can only contact family, friends and neighbors when they do not know how to contact you, but they can not discuss anything else with them. That is ONLY if they do not have your contact info. Make sure you save all messages they leave and record your conversations where legal. In Wisc. you no problem in recording your calls. I had been dealing with Tri-Financial and they tried the same threatening phone calls. Saying I have a pending Civil Suit that will be filed at the Court House. Tri-Financial has never taken anyone to court. They also can not collect in the state of Wisconsin. I believe the only state they collect in is N.Y., but you would need to verify that. The A.G. in N.Y. has been investigating them and has recorded all my messages they left. If you have not filed with the A.G. in Wisconsin, do it, even though you are working with someone in N.Y. They will also investigate the matter and follow up with you. They need to be shut down. I would also contact an attorney if you have not done so already to make sure they pay for everyone of their illegal collection acts and get your mother's money back if payment could not be stopped. You can contact NACA for free or low cost attorney in your area(www.naca.net).

I had a call regarding a debt. I did confirm with the original creditor that they are legit. I had a citi credit card i had go delinquent a few years back due to financial hardship. They were really helpful, all i did was explained everything and they cut me a great deal.