This lawfirm represents Capital One. They do not properly validate debts and proceed with collection activity and lawsuits against you after they are unable to prove anything. They will not verify or confirm they have been assigned the account. They demand money far in excess of what they ultimately sue you for. The worst of it, they knowingly sent notice of my court date to an old address so that they could obtain default judgment against me. They were well aware of a current address. They also filed a false affidavit with the courts to obtain the judgment. The affidavit was provided by a third party company that pretended to be Capital One. The company was TSYS/NAN National Attorney Network. Capital One utilizes TSYS/NAN to find people and then NAN assigns the collection to local attorneys. Howard Lee Schiff is know and will violate many aspects of the Fair Debt Collection Practices Act (FDCPA) and then attempt to hide under the guise that they are hired by Capital One and that the (FDCPA) does not apply because Cap One is an "original creditor." All of Schiff's correspondence says they are a debt collector, yet when they go to court they are Capital One's lawfirm. Beware if you are dealing with these folks. They only operate in New England. Capital One is based in Virginia. If you have paperwork from them with Affidavits and Bills of Particulars that were signed anywhere other than New England States and/or Virginia it is most likely a fraud and you do have recourse even if judgment was previously filed. Doing what they do not only violates the FDCPA, it also constitutes Fraud and Perjury. They need to be stopped, they need to be challenged and they need to be dis-barred and put out of business. Sue them and let your Attorney General know what they do if this has happened to you. All this over an account that isn't even on my credit bureau
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