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Report: #480710

Complaint Review: metro portfolios inc. - Woodbury New York

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  • Reported By: Jaime — Tustin California USA
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  • metro portfolios inc. 199 Crossways, Park Dr. Woodbury, New York United States of America

metro portfolios inc. Cohen & Slamowitz LLP. is one of the names or owners of Metro Portfolios Inc. This company sued me for $1,582 and put me on to garnishment. I believe iam paying more than the original amount. I am paying more than the original amount in contrast than with my original creditor. Tustin, California

*Consumer Comment: do you work for the original creditor or what?

*General Comment: Im being realistic

*Consumer Comment: I think you may be wrong

*General Comment: umm.. i wouldnt take that advice

*Consumer Comment: File a Complaint

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  When I was working at Brookville Country Club in New York, I was covered with health insurance.  Before the end of the season and about to go to Mexico for the Winter, I went to see my doctor for a check-up.  He sent me to local hospital in order to have an "echocardiogram" and to another  private clinic to have another study.  Unfortunately, someone in the place where I was working knew that I was about to leave, and cancelled my insurance before my last of working day.  Therefore, the last two visits to the hospital and to the private clinic were not covered by my insurance, charging me for that reason.  I did not know this happened until I return to work six month after. After some time  not anything for this matter, I was sued by Metro Portfolios Inc. However, I believe I am being charged too much for something I was not prepared to pay.  For this reason, I would like to know if I can receive some help from you.

This report was posted on Ripoff Report on 08/16/2009 01:21 PM and is a permanent record located here: https://www.ripoffreport.com/reports/metro-portfolios-inc/woodbury-new-york-11797/metro-portfolios-inc-cohen-slamowitz-llp-is-one-of-the-names-or-owners-of-metro-portfo-480710. 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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REBUTTALS & REPLIES:
0Author
5Consumer
0Employee/Owner

#5 Consumer Comment

do you work for the original creditor or what?

AUTHOR: missdiva1966 - (USA)

POSTED: Friday, December 11, 2009

I was not telling this person to lie about not getting validation. However if you read my post I am giving advise to anyone who needs help with collection agencies. I used to work for a collection agency.


You have to agree that not many people know that they can ask for validation of a debt and that the creditor has to respond with in 30 days. Especially when the charges are much more than the original bill. I understand that there are collections fees however in my daughter in laws case a bill of $2000.00 was inflated to $8000.00. Seems to me if you got that bill you WOULD ask for validation, wouldn't you?


I was not trying to give anyone false hope of getting it off of their credit report. However there are many reports of these people Cohen & Slamowitz serving papers to people's previous addresses so they won't have any way of knowing that they even have a court date making it easier for them to get a judgement. Also like the original author states " I am being charged too much for something I was not prepared to pay" So therefore yes he can report to the FTC & The BBB. They will investigate it and this Metro Portfolios Inc, the original creditor and Cohen & Slamowitz if all reported will have to validate this debt even though there was a judgement filed against the author. All he has to do is explain the situation to The FTC & The BBB that he was not in town and how this all came about. Your trying to make it seem impossible for this debt to be removed when it is not. Do you work for the original creditor, Metro Portfolios or Cohen & Slamowitz??? Seems kind of fishy to me! Why would you even waste your time if you are just going to tell them it is impossible? It just doesn't seem like your being much help to the author. All your doing is telling me that I am wrong about what I am giving him advise on what to try.

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#4 General Comment

Im being realistic

AUTHOR: debtexpert - (United States of America)

POSTED: Thursday, December 10, 2009

This person already is going though wage garnishment, which means it has already been in front of a judge. Before this even happened, not only was he notified by the hospital, according to her 3 collection agencies.  On every collection letter it says you have 30 days to dispute a debt or it is considered valid.  Did they request validation then. Even if they did not, they have a piece of paper with there name one it saying it was going into garnishment.  Was the request made then for validation??
I was not scolding the person who did the original report---I was being realistic and giving advice.
It is totally unrealistic to make this person believe that all they have to do is say never got validation of debt and it will come off their credit--it wont happen.

To the original author:  If you dont believe me, make a quick trip to a legal aid or lawyer, they will tell you the same thing.
Forget the validation of debt angle, it will just waste time as you continue to be garnished.

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#3 Consumer Comment

I think you may be wrong

AUTHOR: missdiva1966 - (USA)

POSTED: Wednesday, December 09, 2009

I am sorry but what I said is true. It will be taken off quicker that their heads will spin.

I checked my credit report on Dec 1, 2009. There was an account that was reported that I was disputing and making good faith payments on until the dispute was settled. Just so happens that I made all of my payments up until Dec 1st. This company could not wait to get it on my credit report.

I was hopping mad when I saw that they had reported to the bureaus. I contacted the FTC, BBB and Attorney General. Sorry about the original post I should have mentioned not to contact the Attorney General unless it is a last resort.

BY DEC 2ND I HAD AN ANSWER THAT THEY WOULD BE REMOVING IT FROM MY REPORT. I CALLED THEM THEY EMAILED ME A LETTER. I CONTACTED EXPERIAN, EQUIFAX, & TRANS UNION ON DEC 2, I FAXED OVER ALL SUPPORTING DOCUMENTS. THE LETTER, A LETTER OF EXPLANATION, COPIES OF MY RECEIPTS, THE FTC & BBB REPORTS.

BY DEC 3RD IT WAS OFF OF ALL 3 BUREAUS. SO IF THAT IS NOT QUICK ENOUGH THEIR HEADS WILL SPIN. I DON'T KNOW WHAT IS? CAN YOU TELL ME?

SO YES MY METHOD DOES WORK!

IT JUST SO HAPPENS I DO PAY ALL OF MY BILLS ON TIME AND IN FULL. HOWEVER WHEN I MOVED AND DISCO'D MY SERVICE WITH TIME WARNER, & TURNED IN ALL EQUIPTMENT, BOXES, MODEN ETC. I OWED A FINAL BILL OF $130.00 THIS WAS IN APRIL. MAY I RECEIVED A BILL FOR $544.88 FROM TIME WARNER. IT WAS NOT FOR EQUIPTMENT. SO I CALLED THEY COULD NOT TELL ME WHY MY BILL WAS SO HIGH. I DISPUTED IT. THEY SAID THEY WOULD GET BACK TO ME. WELL THEY DID IN JULY...I GOT MY FIRST LETTER FROM CPA. I CALLED THEM. I STATED MY CASE ADVISED I ONLY OWED $130.00 AND THAT I WOULD MAKE GOOD FAITH PAYMENTS UNTIL RESOLVED BUT ONLY IF THEY WOULD KEEP IT OFF OF MY CREDIT REPORTS. WHICH THEY DID. i PAID EVERY MONTH UP TO DEC 1ST WHEN IT WAS PUT ON MY REPORT. SO I LEGITIMATELY DID NOT OWE THE REST OF THE MONEY. I PAID WHAT I OWED. THEY (CPA) EVEN CHARGED ME $4.95 EVERY TIME I MADE A PAYMENT AND ONE TIME $7.50. SO I HAD TO PAY THEM TO PAY THEM! IS THAT FAIR? TAKING IT OFF THE BUREAUS IS THE LEAST THEY COULD HAVE DONE!

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#2 General Comment

umm.. i wouldnt take that advice

AUTHOR: debtexpert - (United States of America)

POSTED: Monday, December 07, 2009

I hate to say this, but i have worked with companies and citizens who had gripes and sometimes legitimate complaints about collection agencies and I can tell you the "wait for them to send you validation of debt" is a bad idea.


Yes, you can request it, but every side knows by now that is one of the biggest stall techniques in the world.  You knew about it long before it went to the third agency, and the comment that it will be off your credit before quicker than your head will spin is simply not true. The longer you wait, the worse it gets.


Now, collection agencies will settle with you first of all.  If your insurance (if what you state is true) was canceled completely with no notification to you, I would start with that angle.


The attorney general has got much more important things to deal with than someone who is mad about a medical bill.


Dont waste time with validation of debt because I guarantee you wont win that argument and it certainly wont come off your credit because of it.


My advice to you honestly, and I have spent over 15 fighting against collection agencies and helping people in debt: see what happened with your insurance, see if you cant settle your debt, and let me know what happens.

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#1 Consumer Comment

File a Complaint

AUTHOR: missdiva1966 - (USA)

POSTED: Sunday, December 06, 2009

 

You can always also file a complaint with the FTC (Federal Trade Commision)

www.ftc.org there is a tab to file the complaint online

You can also for good measure file a complaint with the BBB (Better Business Bureau)

www.bbb.org

and you can throw in a dash of reporting them to the Attorney General

www.oag.state.ny.us

If they have not validtiated your debt by the time you have reported them to the 3 above agencies. I promise you that they will close out that account so quick their heads will spin. Not to mention issue you a letter stating that this account was reported to the bureaus in error and have it off of your credit report with in 30 days. If you call Experian, Equifax, & Trans Union you can do some smoozing like I did on mine and have it off in 3 to 5 days after you fax them the letter.

Experian Fax: 972-390-4962

Phone: 866-853-0303

Address: National Consumer Assistance Center
PO Box 2002 Allen, TX 75013

Equifax Fax: 404-885-8988

Phone: 877-784-2528

Address: Equifax Consumer Fraud Division
P.O. Box 740256
Atlanta, GA 30374

Trans Union Fax: 714-525-0668

Phone: 800-916-8800

Address: P.O. Box 2000
Chester, PA 19022

Don't play around with these people ask them to validate the debt. They have gotten this 3rd hand debt from someone who has gotten it from someone else. They served my daughter in law with a subpeona that wasn't even signed by a judge. She was ready to try and settle the debt until she showed it to me. Alot of times these are things that alot of people do not notice. They sent her a supposed subpeona for information even asking for her landlord's name, address and phone number. THESE ARE ALL SCARE TACTICS. They even had a remark such as if she did not answer that she would be held in contempt of court!!!! I didn't know you could go to jail for owing a debt in this country. If that were the case we would all be in jail. So file your complaint with the FTC, BBB, & The Attorney General.

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