Giove Law Office
Rodney Anthony Giove Lenahan ripoff bad old invalid debt collector illegal collection methods fraud dishonest

Giove Law Office is a SCAM! DO NOT pay them a cent or give them any of your banking information. These people buy OLD debts and attempt to collect the amounts due. The problem with these OLD debts is that they are OLD! And the statute of limitations has run on them. Each state has different time periods for different types of debts, Google "debt statute of limitations (YOUR STATE)" and you should get several results that will have the information for your state. DO NOT pay them because the money will not go to the principal, it will go to the collectors and they will do nothing to remove the "bad mark" on your credit report.

Ok, So Now What? If these turd eating scumbags calling you everyday trying to take your money? No Problem! Getting the calls to stop is EASY! Keep notes of all conversations, record them if your state allows it.

1) Take notes and keep records of every phone conversation you have with them. Don't forget to get their names!

2) According to the FDCPA all collectors MUST send you a statement of your account and their intent to collect the debt. The CHEEP scumbags will ask you if you have a fax machine, Tell them You do not have a fax machine. Next they will ask you if your work has a fax machine, again, tell them you have NO fax machine you can receive personal transmissions. Tell them to mail you the statement and you WILL NOT discuss this matter further until you receive it, this is the last thing they want to do because it SLOWS the collection process. Time is on YOUR side NOT Giove's! The longer things take the less likely you will pay. Here is where you can lead them on a bit, tell them you will pay but you want to see the statement of the account FIRST!

3) When the letter arrives, file it with the envelope with your other notes. When someone from Giove calls tell them that you have not received the letter and you will not discuss this matter until you receive it and hang up. This will frustrate them, they might call right back or wait a day or two, when they do call back your story is the same, no letter has arrived and since there is no letter you will not discuss the debt or payment. Also you should tell them to resend it.

Keep this going as long as possible and make them send as many letters as you possibly can. After the 4th or 5th letter they will give up because THEY ARE TOO CHEEP TO BUY STAMPS!!! Faxing letters is very inexpensive and easy for them, sending letters is expensive and slow. With a Fax they get instant confirmation You received the Statement with a letter they CAN NOT PROVE it was delivered because THEY ARE TOO CHEEP TO PAY FOR A RETURN RECEIPT or DELIVERY CONFIRMATION!!! Seriously, what can they do? Call you a liar?

Their primary tactic is to catch you off guard and keep you on the defensive. YOUR BEST Defense is to be educated, learn the laws and use them to your advantage.

They might use threats of LAW SUITS or other forms of intimidation and coercion. If they do threaten you with legal action they have a set time frame to file it, if they do not then they have violated a law the prohibits the use of this type of threat and it is this is grounds for a law suit which you can easily win if your state allows recording of phone calls. The likely hood that these guys have a license to collect debts in your state is slim to none, this is grounds for a law suit which you can easily win. First you have to check with the division of government that deals with bill / debt collectors.in the state I live in I can look this information up online, use Google and search for debt collectors license (YOUR STATE) to find the agency then check to see what the look up procedure is. Once you confirm that they do not have the correct permit to collect debts in your state, you file a suit against them in civil court for violating your states requirement to have a permit and your rights according to the FDCPA, the maximum penalty is $1000.00 in Federal Court. Some states allow punitive awards for violations of state FDCPA.

The collectors at Giove will claim to be a legal assistants and they will deny being debt collectors.in my case the collector said they were a legal assistance, this statement told me that the collector was ignorant of the proper usage of pronouns and adverbs. It's doubtful this person finished high school. The funny thing is, on Gioves website they clearly state they are debt collectors.

If they do file a law suit against you it's your lucky day because (1) you can easily win by stating in your response that the statute of limitations has run on this debt (2) now you can counter sue them for violations of the FDCPA.

Company: Giove Law Office
Country: USA
State: New York
City: Niagara Falls
Address: 3695 Pine Street
Phone: 7162840481

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