Valentine & Kebartis

You don't have to give your personal information to any collector because they should have it from the original creditor and if their collections are legitimate.

Do you still have the PIF letter from Chase? It will come handy when someone calls and wants you to pay the debt. With this proof, you can put the burden on them strongly and force them to follow the laws.

From 1999 to 2005 Bill Collectors and clerical staff at V&K have been stealing money and leased equipment from people all over the country. The scam was pretty simple. A collector would call the debtor explain that X amount of money was owed. This amount represented the actual bill (principle) and collection charges usually %20. The collector would tell the debtor to pay the principle to V&K and send the collection charges to the phoney agency, Muffucci Collections. V&K would report to the client that the principle was paid in full and the account was "settled in full". The collection charges went right into Ellen Muffucci bank account. The issue is that the account was "paid in full" and the debtor didnt get credit for paying the balance. The debtors credit report would list the account as "Settlement accepted on account" when actually the balanced was paid. If collateral was involved the principle was still paid, client was told account was settled in full and also that the equipment was bought. The debtor was told the account was settled but the equipment had to be sent to Muffucci collection. LOTS OF DELL COMPUTERS WERE STOLEN THIS WAY.

They were caught by a client. Ellen Muffucci, the ring leader, was dismissed. No charges were ever filed. NO WAY ELLEN was the only one involved. Fact is someone from the clerical department had to answer a phone call or two. It went on for 7 YEARS !!!