Knightsbridge Receivables Management, Credigy Services Corp. Credit Colection Scam Cincinnati Ohio

Knightsbridge is a legitimate company. They are a professional collections agency located in the Cincinnati, Ohio area. Credigy Services Corp is probably who knows the collection account. They specialize in late stage collection account, so sometimes people do not even remember they had the account.
They do not use multiple P.O Boxes, they only have 2 which are located in the Cincinnati area.

File complaints all you would like, they are 100% legitimate SO PAY YOUR BILLS!!

These lowlifes sing and dance like the crooks they are. File a complaint with the WWW.FTC.gov and Ohio Attorney General. Demand debt validation. If they threaten. Then tape them and hire a NACA atttorney. Knightbridge does the dirty work for Credigy. They are all dirtbags.

As for the puppet on the string claiming they are their to resolve a customer debt.
Nothing more then a lie. This person is a lowlife extortionist like the rest.

Don't fall for their sweet talk. File complaints. Its the best way to bring attention to them.

Good Luck

Since you have a mailing address for these folks, do not discuss this matter with them any further. All communications with them needs to be in writing to ensure your protections under the Fair Debt Collections Practices Act. You need to DISPUTE that the debt is not yours and demand they VALIDATE this alleged debt per the FDCPA.

It's no coincidence that the rebuttals from alleged employees don't bother to mention your rights and protections. They don't want you to know. What's amusing is that these debt collectors are required by law to tell you that you have the right to DISPUTE and request VALIDATION of the alleged debt. If they don't tell you how to dispute and demand validation (you have to do this in WRITING - so they have to tell you WHERE to send a letter) when they are talking to you, they are then required by the FDCPA to send you a written notice of this alleged debt that includes a statement that you have the right to DISPUTE IT and demand VALIDATION.

Have they done this? Did they tell you where to send a written letter to dispute and demand validation of this alleged debt? Probably not. If they didn't tell you this while talking to you, they are then required by law to send you a written notice of your right to dispute and demand validation of this alleged debt within 5 days from their initial contact! (The date that they first called you.) If this hasn't been done, that's a violation of the FDCPA right there, so that should give you an idea of how they conduct their "legitimate" business.

Now, let's get to my advice to you.

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

If you're interested in obtaining free credit reports, read the Fair Credit Reporting Act at ftc.gov/os/statutes/fcradoc.pdf

It is important to understand the definitions used in the FDCPA, so I have included that section of the law. Many collectors do not fall under the FDCPA, so please read paragraph 6 and its subparagraphs very carefully:

803. Definitions [15 USC 1692a]
As used in this title --

(1) The term "Commission" means the Federal Trade Commission.

(2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium.

(3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt.

(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

(5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. THE TERM DOES NOT INCLUDE --

(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;

(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;

(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;

(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;

(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and

(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to DISPUTE the alleged debt and request written VALIDATION of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. You should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

Once they receive the letter, they must cease all collection efforts until they provide the written information requested. This is in accordance with the Fair Debt Collection Practices Act.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter. Many times, the creditor will come after you again using a different debt collector so you will want to notify (in writing) the CREDITOR that you DISPUTE this alleged debt.

That's why you demand validation, as well as dispute it with the debt collector. As part of validation process, the debt collector is required to inform you (in writing) who the CREDITOR is with contact information for the creditor. If they fail to do this, that's another violation of the FDCPA.

Please note that simply sending the letter telling them to leave you alone does not absolve a valid debt. What the letter does do is force them to provide you with written validation of the debt and to stop all collection actions until you receive the information. Once you have the information, you should act on it accordingly by contacting the CREDITOR via certified mail.

Some other notes: Any statute of limitations does not absolve a valid debt; it merely prohibits the creditor from going to court and winning a money judgment against you. IF there is already a money judgment, the statute of limitations most likely is longer - in New York State it's 20 years.

You can check the statute of limitations for debt in your state at http://www.fair-debt-collection.com/statue-limitations.html.

In addition, a credit report listing does not in any way determine if a debt is valid or not, or collectible or not that is what courts are for. There are 3 ways a valid debt can be absolved; you pay it off, the creditor forgives it, or bankruptcy court orders it absolved.

Section 809 of the FDCPA covers debt validation nicely:

809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Hope this helps.

They have to prove TO YOU that you owe any debt. If you fall for the BS post about "confirming with personal information" they want that so they can put your info on the debt to which they have no information and probably isn't yours.

Knightsbridge has been with registered as a consumer collection agency with the Secretary of State's Office, State of Ohio, since January, 2004.

We are extremely proud of our reputation for compliance and customer service. Because we value the privacy of our customers, we will verify the identity of anyone with whom we have telephone contact before discussing any account, by asking for proof of identity (i.e. privately-held identity information). This information is treated confidentially, and is utilized only for identification of our customers.

We strongly encourage consumers to contact us directly at 513-896-1117, if any information regarding their account is required. Our business goal is to assist the consumer in resolving outstanding debt owed to our clients, in a fair and expeditious manner.

This IS NOT a legitimate collections process. Contact the Ohio Attorney General if you have this type of contact with this "company".

Knightsbridge Receivables Management, LLC is a legitimate collection agency located in Cincinnati, Ohio.