Florida First Financial Group Harrassing, Abusive, Con Men Tampa Florida

Mr. Williams (Or Mr. White?),
After careful thought and research, your actions today were provoking and potentially illegal. First off you did not identify yourself and hung up on me when I asked your company name. In addition, you are using an alias as stated in the Florida Bar complaint attached. This in it self is deceptive and could potentially bring up new issues. Be advised that I have submitted the Bar Complaint to every consumer advocates group on the internet. Your curtain of anonymity has been lifted.

In addition, I am not sure where you illegally obtained my social security number and my wife's social security number, but I hereby demand you destroy this information immediately and send confirmation of such actions. I feel very threatened and in fear of my families safety and security.

At no time have you proven that the debt you are attempting to collect is valid. Please send at this time a contractual obligation by myself or my wife for the alleged charges, specifically any signed document agreeing to pay. Until I receive said documents I will assume this debt as invalid and your attempt at collecting it simply harassing and illegal. In addition I am requesting your license or bar number so that I can verify that you are operating legally as an attorney in the state of Florida.

Under the Fair Debt Collection Practices Act 806. Harassment or abuse [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

In our conversation today you threatened me with action pertaining to my credit report. Any attempts to add anything to my report will be dealt with swiftly, and unlike your company's practices, legally. YOU CAN NOT THREATEN LEAGAL OR OTHER ACTION TO COLLECT A DEBT. THIS IS KNOWN AS BLACKMAIL, A FELONY IN THE STATE of FLORIDA.

I researched your company Florida First Financial Group and found numerous complaints and irregularities. Practicing law without a license is a third degree felony. I will include this information in my FTC complaint and in my letter to all three credit bureaus as well as the agencies listed below.
http://www.ripoffreport.com/results.asp?q1=ALL&q4=&q6=&q3=&q2=&q7=&searchtype=0&submit2=Search!&q5=Florida+First+Financial+Group

Mr. Williams (or White?), after completing my research I will be inquiring about the Fair Debt Collection Practices Act 813. Civil liability [15 USC 1692k]

(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of --

(1) any actual damage sustained by such person as a result of such failure;

(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or

(B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and

(3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs.

(b) In determining the amount of liability in any action under subsection (a), the court shall consider, among other relevant factors --

(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or
(
2) in any class action under subsection (a)(2)(B), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector's noncompliance was intentional.

(c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.

(d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.

(e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

As of now you have wasted my time and cost me well over a thousand dollars in damages along with life altering emotional distress.

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.

I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant.

Once again, You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.

Ken
Coconut Creek, Florida
U.S.A.