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i worked for this company they collect on zombie debt, all their accounts are past the statue of limitations but when you call we are supposed to lie about the last payment date to make you think the account is still in stats. i worked with them for 5 years and saw about 200 people get fired. not only do they collect illegally they also practice illegal things with their employees. Sue them , you can sue them for speaking to a familly member or for even leaving a "pre legal" matter message on your voicemail. they have paid out thousdands to people instead of going to court, they even put the company under their puppets name to stay in business since barry calvagna has so many violations. the "owner" is patrick resti make sure you sue him and the company will go down. they hire all convicts there is even a sex offender there, they hire the scums of the earth to do their dirty job because they know they are the only people to do this for them

My husband received a call from Allen Grant of Credit Smart's pre-legal department offering a settlement of 33% on an old account. I ended up calling back and dealing with this. He said that they were filing court documents the next day if we didn't pay them and that it was his job to keep us out of court. The original debt amount was $255.98 (verified August of 2011). They claimed that because of interest and late fees the total amount owed was $927.16 and that they could settle for $309.05. I'm an educated person and I'm sure he wasn't expecting that. He said that they reported this on my husband's credit on January 19, 2012. Lie - I pulled reports on January 25, 2012 and it was not there. I explained that i had a real problem paying his company without ever receiving anything in writing. I demanded a letter be emailed to me before we had any further discussions regarding payment. I did receive an email shortly from Jaye@creditsmart.org containing a letter from Jenny Lopez in the payment department. Their letter was obviously a "form" and did not even have letterhead! This was not sitting right with me, so I called the creditor that we had correspondence from August of 2011 and verified that they still held the account. I explained to them what was going on and they were floored. I paid them and decided to call Mr. Grant back. He was not happy to hear from me. I explained to him that I just spoke to the creditor that actually holds the account and that it was already paid and that they could stop calling us. He screamed at me "NO! WE'RE NOT GOING TO STOP! IT'S ON YOUR CREDIT!" and then he hung up on me. At this point, knowing that it was scam, I gave it a few minutes and called back and asked to speak to his supervisor. Let me tell you, this guy has anger management issues. He screamed "WHY?! WHY!?" I simply said that he wasn't being professional and that it was no longer his concern. He said "Well, I can tell you right now that my supervisor isn't going to like talking to YOU!" I said "That's fine, please transfer me." He put me on hold and eventually hung up on me.

Their website is unitedabstractgroup.com which redirects to CreditSmart.org

UAG DID report on my husband's credit come to find out and we are in the dispute process as we speak. These people never actually owned the account that I can find out! No one will send me proof!

It went like this -
My husband had a US Bank account overdraft.
US Bank sold his account to Searay Portfolio Management who farmed it out to First National Collections who we settled with for $79 on $259. I can't find ANY contact information for Searay AT ALL, except that the company is still active with the State of New York. I did a bit of research on the Agent listed - David Dwyer, and apparently he is crooked and had a CBS news story done on him.

I sent CreditSmart and United Abstract Group a letter, threatening to file another complaint with the Federal Trade Commission, a complaint with the New York Attorney General’s Office and a complaint with the New York Department of State’s Division of Consumer Protection.

If they don't delete if from husband's report, I don't know what we're going to do! We're trying to get a mortgage!!! Any tips???

My husband received a call from Allen Grant of Credit Smart's pre-legal department offering a settlement of 33% on an old account. I ended up calling back and dealing with this. He said that they were filing court documents the next day if we didn't pay them and that it was his job to keep us out of court. The original debt amount was $255.98 (verified August of 2011). They claimed that because of interest and late fees the total amount owed was $927.16 and that they could settle for $309.05. I'm an educated person and I'm sure he wasn't expecting that. He said that they reported this on my husband's credit on January 19, 2012. Lie - I pulled reports on January 25, 2012 and it was not there. I explained that i had a real problem paying his company without ever receiving anything in writing. I demanded a letter be emailed to me before we had any further discussions regarding payment. I did receive an email shortly from Jaye@creditsmart.org containing a letter from Jenny Lopez in the payment department. Their letter was obviously a "form" and did not even have letterhead! This was not sitting right with me, so I called the creditor that we had correspondence from August of 2011 and verified that they still held the account. I explained to them what was going on and they were floored. I paid them and decided to call Mr. Grant back. He was not happy to hear from me. I explained to him that I just spoke to the creditor that actually holds the account and that it was already paid and that they could stop calling us. He screamed at me "NO! WE'RE NOT GOING TO STOP! IT'S ON YOUR CREDIT!" and then he hung up on me. At this point, knowing that it was scam, I gave it a few minutes and called back and asked to speak to his supervisor. Let me tell you, this guy has anger management issues. He screamed "WHY?! WHY!?" I simply said that he wasn't being professional and that it was no longer his concern. He said "Well, I can tell you right now that my supervisor isn't going to like talking to YOU!" I said "That's fine, please transfer me." He put me on hold and eventually hung up on me.

Their website is unitedabstractgroup.com which redirects to CreditSmart.org

UAG DID report on my husband's credit come to find out and we are in the dispute process as we speak. These people never actually owned the account that I can find out! No one will send me proof!

It went like this -
My husband had a US Bank account overdraft.
US Bank sold his account to Searay Portfolio Management who farmed it out to First National Collections who we settled with for $79 on $259. I can't find ANY contact information for Searay AT ALL, except that the company is still active with the State of New York. I did a bit of research on the Agent listed - David Dwyer, and apparently he is crooked and had a CBS news story done on him.

I sent CreditSmart and United Abstract Group a letter, threatening to file another complaint with the Federal Trade Commission, a complaint with the New York Attorney General’s Office and a complaint with the New York Department of State’s Division of Consumer Protection.

If they don't delete if from husband's report, I don't know what we're going to do! We're trying to get a mortgage!!! Any tips???