CIR Law Office.....Has Anyone Ever Heard Of Them

I have not heard about this company. I will suggest you to check the latest copy of your credit report and see if it has been updated. Since Providian has sold the account to Unifund, they are now the original creditor who in turn has hired CIR for collection purpose. Try to work out arrangements with Unifund if they have your legitimate records.

Hi,

Thanks so much for the information, CIR does not show up on my credit reports only Unifund and Providian does. I have sent two letters to Unifund asking for them to send me paperwork and they have not sent me anything, so I would say that they in turn sold it to CIR. I googled them and they look very legitimate but there are so many Law Office's out there that are nothing but JDB and I don't want to start stirring up more trouble by sending these people a letter demanding some proof that I owe this I would say since Unifund could not send me anything how can this company.

You need to pay only that company that has the correct information about your accounts. Asking for the details won't hurt because you are trying to

**** the company's contact with you. You won't be opening a can of worms for doing this. Besides, it is your legal rights not to pay someone who does not have your file.

[color=Red]****Adult term removed - Jason[/color]b

CIR lawfirm has put a jugement on my home from a debt that was owed to montgomerywards over 15years ago.the amount they are asking for is way more than i owed montgomerywards.can they do this?

They have to give you a summons to appear in court, if you don't show up they automatically win the judgement and they can place a lean on your home, garnish your wages or take your bank account, find out if there is statue of limitation's in your state. California's is 4 years. If they can't collect within 4 years it's uncollectable. Consult a lawyer, some are willing to consult for free, they can at least give you advice on how to go from here, or if the judgement is reversable.

then again for a 15yr old debt,and knowing the bottomfeeder.go to NACA.NET,and find a consumer attorney.they will not only get the judgement vacated for improper service,but that can also seek damages from CIR for their tactics in collecting on a debt that is well beyond the SOL.

Quote:

I received a summons from CIR Law Office. Court date is set for Dec 14, 2009. I do not live in the county where I am suppose to appear? What happens now. I do not want any judgement nor for them to have the availability to attach wages etc..Is there any way to stop this.

I received a letter from CIR stating as an end of the year settlement special they had goign on-the money that was already taken out of my account by them was being held but if I paid them more, they would release the original amount back to me. Is this for real? How does this work? Is this a scam?

Please help

to the other poster, if they sued you in the wrong county, have it dismissed for improper venue, it is usually without prejudice, meaning they can refile again in the correct county.


To MARKA:

Sounds like a scam to me, ask for details in writing.

Be unsure to send a dispute letter. If you live in CA then the statute of limitations passed a year ago.

I was in debt with Capital One Credit Card Company 3 years ago. After some time Capital One sent my account over to CIR Law Offices. After 2 yeas I looked at my credit report to find out some very disturbing information. CIR never paid capital One, they simply kept my money without reporting to Capital One. On top of that, it hit my credit as a charge off. When I called CIR the first time, "Jenny" admitted they had made a mistake and would correct the problem A.S.A.P. At first I thought nothing of it, at least they are fixing the mistake they made 2 years ago. I was thinking about this for a few days when I realized this company has destroyed my credit for the last 2 years. Even though they made a mistake, this will most likely stay with me for some time. So I called back a couple days later and spoke to the manager "Natalia." She claims Jenny is new with the company, and that she had made a mistake by admitting a mistake. She went on and on about who knows what and how she is in no way liable for the mistake then hung up on me. Right away I called Capital One and explained my situation. This account is now being sent to the legal department at the main office. I feel CIR has broken at least one law, maybe more? My next step come Monday morning is calling a attorney. If you would like to find out the outcome of this situation, or you have the same problem PLEASE e-mail me. Personal info removed - Jason

It's really sad that some no-name company has complete control over my credit line, in some ways my life. This just shows how screwed up our credit system is!

****** These outfit are pond scum. They played Good Cop/Bad Cop with me for 18 months over 2 Capital One Cards that IF they had just leveled the interest on would have been payable within 3 years. They invited me down to the Gibbs Office for a Face to Face - but I was denied access by some "Bouncer type" . It is not a Law Office but a big room of cubicles where 2/3 of the dialogue is in Spanish.

***** After a less than 23,000 Bankruptcy they filled an attachment against me in a Central California County that was ex post facto illegal just to Shake me up. I and Family Members were on the receiving end of calls the last of which were abusive.In short they as a last resort want you to go bankrupt just so their Clients can recoop something.

***** One of the Main Attorney's in this Bottom Feeding Minority Owned Business has branched out on her own to handle mostly Collections.

****** BTW - these people know all along that most of those who fall behind can IF the Penalties & Interest is curtailed when they acquire fully the Account or hopefully before that - if this occurs there Might be some out of Court workable resolution but they Know by then that the debtors can never pay so they go after mostly decent people.

******** If contacted by this crew get your own lawyer ASAP - Pay him/her before paying this bunch no matter how far behind you are.

CIR phones and website is down, does anyone know why....or another way of contacting them

yes, find rosemary @ ext.2333 or 3333. they're down in san diego, ca

About 9 months ago we closed out (settled and paid) an account of about $2500 with GE Money and we just received a letter from CIR, Law Offices dated 2/8/11 that says they are willing to settle the debt with us for a little under $1000.

We already closed it out. The debt is gone. They're trying to collect on an account that no longer exists.

I also found this when I did an online search for their name:

CIR Law Offices, LLP (attorney Michael Kahn), sued my client in Fresno County Superior Court, demanding $9,891.69. My client engaged me to defend the lawsuit, and I filed an Answer and appeared at the Case Management Conference.

I also served written discovery on Unifund CCR Partners, demanding that they respond to questions under oath about the alleged debt and produce documentation that would properly evidence the debt. Shortly after serving the discovery, I received a telephone message from Aimee Morris at CIR Law Offices stating that they are dismissing the case.

The website I pulled this from can be found at: http://fairdebtcollection.typepad.com/fair_debt_collection/2007/04/unifund_ccr_par.html

Good luck with your situation.

[COLOR=black]I just received 3 letters from this CIR law firm re: 3 Chase accounts. Months ago the Frederick J Hanna firm sent me a letter on 1 account at an old address. They never responded to my request for a Validation of Debt. Now I get letters from this outfit with no reference to Hanna. At least I have not received the totally obnoxious calls as I received from F J Hanna who would not even give me their address and a representative who said she would sue me but was not an attorney. [/COLOR]
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[COLOR=black]Always[/COLOR][COLOR=black] ask is the person licensed to practice law and what state. The while on the phone check your state BAR website and their name. [/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]So I would ask more recent info on CIR ([/COLOR][COLOR=black]Creditor Iustus Et Remedium LLP). [/COLOR][COLOR=black][FONT=Arial][/FONT][/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]My signatore, Mandie Bullock, is out of law school 1 year and so is the other name at the bottom, Tara Muren. [/COLOR][COLOR=black][FONT=Arial][/FONT][/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]My request for "validation of debt" will go out tomorrow. [/COLOR]

Just FYI for those that are attempting to settle & close out valid credit card debts... My Chase account was sold off to "Equable Ascent" recently and CIR LAW OFFICES in San Diego was assigned to collect on their behalf. Like many out there, I ignored the first few phone calls & felt threatened due to the fact that they were a law firm. I later realized, after researching their website (site link removed - Jason) that they have "collectors" working for them...not just legal assistants & attorneys. So I thought it wouldn't hurt to attempt to settle with a "collector"... besides, she sounded friendly on her voicemail.
I called today and was able to settle with CIR Law Offices for 60% one-time lump sum of my balance. I initially was given a 6-month payment plan option for the full balance...but my husband absolutely refused to pay in full due to the damage already done with my credit. He was right. I simply told the CIR collector my stay-at-home, unemployed situation, and the limited amount of cash available to attempt the offer. After putting me on hold to "get the attorney's approval" she agreed to accept. Success!!! I honestly think that the collectors are empowered to accept lower amounts than they initially claim they are "allowed to accept." Just keep trying and insisting on your lower proposed amount. I am satisfied for now to get this "monkey" off my shoulders and paying much less than the stated balance. Hope this gives hope to someone out there who is also trying to settle debts :)

I hope you got it in writing before you pay, otherwise good luck on that!

Yes, PLEASE get your agreement in writing. If they refuse to give it to you in writing or tell you they will give you the letter AFTER you pay, then tell them you will not pay one cent until they do.

Think about it...if they balk at putting the agreement in writing then they are likely planning to not honor the deal or tell you after you pay that there was never any deal and demand the rest. It happens time and again so please protect yourself.

Also, since the debt has passed so many hands you should require validation before you agree to anything.....it may be your debt, but you have the absolutely right to make sure it is the correct amount and that the CA is the correct party to be collecting.

Thank you. YES, I received the settlement letter in writing, by email attachment the same day & by mail within 3 days, as I demanded.

They are JDC. Answer the summons and look for a contract.

Look on your credit report at the list of agencies and companies that run your credit. If a company has your account tranferred to it they will run an inquiery and it will show up. Anytime an account is turned over to a law office my advice is to confirm with the original creditor and make contact and be proctive. The next steps will envolve bank levies, wage garnishments and property liens.

People, it's simple - answer the complaint, request simple discovery (contention rogs and requests for production), and see if they can show/prove their work (most of the time they are unable to do so and ultimately dismiss the complaint).

Also, the poster who sang CIR's praises as a reaspnable company that will settle with you is a plant, ie it's a CIR employee posting a bull turd story in hopes of getting you to do their work for them

Most of you in here are mis-informed, first off CIR is a direct placement Law Firm not a debt buyer. This is why interest rates and settlement % are pre-determined. There are guidelines given by the original creditor, anything below this requires "attorney approval" i am a disgruntled ex employee but of all the places ive worked CIr is the most "by the book" in terms of state and federal laws. They will negotiate with you. Seems that most of you are just looking for ways out of your obligations instead of paying the money you borrowed. I have been in similar situations, the best thing you can do is talk to them. If you contact the original creditor they will direct you back to CIR as it is illegal to have 2 seperate parties negotiating the same debt

I had a $300 limit card with Cap. One, and CIR took over the debt, they put a debt of $2,200 on me !!!!! sent me letter of offer for $700, 800 then 900. I finally response to the offer. Called them and bargained if they can reduce the price to 600, Diana (legal assistant - acts like a lawyer to me) said I have to pay $900 or it will be there forever. I ended the call, and called back in few days later. I thought I could resolve it in a polite manner with them. Diana said I have to pay $2,200 for the debt lol....
I guess she thinks that i call back because i want to pay so she was trying to play cat and mouse with me, trying to earn extra money for the firm. and they said if i dont pay, then it will be in my credit forever. I think they have been so ridiculous after all. Can any one show me what i should do? i want to make a claim for this firm !!

Credit card companies, especially the big ones, typically keep ownership of their accounts. This CIR may be acting on their behalf...you should send a debt validation letter and make them prove that the fees and interest tacked on are stated in the signed contract.

The fact this company is claiming that it will stay on your credit report forever is fishy as all heck..because that is a blatant lie. It will only be on your credit report for 7 years basically, unless it goes to judgement, but even then they have to renew it every 10-20 years (depending on your state). Also if a company is offering to drastically reduce the amount, that is a good indication that either the debt is very old, or they are acting illegally.

We need more info to give you options of what you can do...when did you last make a payment on this card, is it on your credit reports and if so, how is it being listed, and what state do you live in?

If you happen to live in Texas, you have some extra things you can do that have some real teeth, but in general you want to stop talking with them on the phone and get out a debt validation letter asap. If they call you simply tell them you will not discuss the account while you are still waiting for the validating documentation and that you will fight this all the way to court if need be, where they will have to prove that amount they claim you owe plus prove they even have the right to any monies owed at all.

Good Evening,
Thank for your quick response. I am in Ca, and the account is opened in 04/2005.
Last payment would be in 2005 or 2006 max, it appears to be: Account status: closed. Payment status: charge-off. Comments: credit line closed by grantor request- reported by subscriber.
Please let me know how could I solve this. I think CIR has played trick on me because when i called them, i think they know that i wanted to pay/solve the problem. Therefore they put more money on that.

Can you list exactly what is listed on the credit reports? What type of account it is listed as, etc. Also let us know if two versions show up on your credit reports. (one is the original creditor, the other would be the collection agency/debt buyer).

Cali has a SOL of 4 years so if the last payment on it was in 2006 then you are safely out of the SOL and should they sue you, you have an iron clad defense.

You definitely want to send out a DV (Debt Validation) letter. The contents of the letter largely depend on what your credit reports say (who is listing the account and how it is listed) because not only will you challenge the amount and their right to collect, but you will also challenge any errors in reporting (which they do blatantly as well).

You have the upper hand in this. There is nothing they can do to you, but you can potentially do a lot to them, as in get paid in court for any violations they start to wrack up in the DV process.

Now, if you don't care that they are listed on your credit reports and you just want them to go away, then you send them a CD (Cease & Desist) basically telling them that you never want to be contacted by them again.

I got a letter from them too, but unfortunately for me I have to pay. Depending on where you live, in what state, you don't have to pay because the Status of Limitation has been reached. They cannot collect on a barred debts. California is 4 years, google status of limitation on credit card debts and you will be able to find your state SOL. Good Luck.

Actually a debt can be 'collected' forever, they just can't win a lawsuit (unless they win by default for a no-show.) Being time barred does not wipe the debt out (I think there are a couple states that actually DO make them uncollectable, but I am not 100% on this.)

I just recieved the same letter. I called them and they were very rude!! Not only that they are trying to collect on a debt that was dismissed when I filed for bankruptcy back in 2004. Something is very fishy about this company, which I believe isn't even a law firm. What can be done?