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Submitted: 4/14/2007 4:16:36 PM Modified: 4/15/2007 3:12:29 PM

Eltman Eltman & Cooper,Pc Mr. Miranda 90 William St. Manhattan, N.Y. 10038 212-660-3100 phone number 212-660-3101 fax number On Sat.Apr.7th,2007 I was notified by my daughter that my bank account had been frozen. My daughter found because she could not use her debit/mastercard. The bank told her that I had reported it stolen. On Mon. Apr.9th,2007 I went to the bank and sure enough my savings account and checking account had been frozen. The bank teller gave me this number to call 212 660 3100. I got through and spoke to Mr. Miranda. He told me that Discover Card had asked them Eltman Eltman & Cooper, PC to find me because I owed Discover Card money. This debt is from 1997 or 1998. I believed him, at that time I did have a Discover Card. Mr.Miranda told me to get an updated bank statement showing what funds I had in the bank. Mr.Miranda told me to fax the information to 212-660-3101 I did just that on Wed. Apr.11th,2007. While I was talking to Mr. Miranda that previous Mon., he also stated that they had my job address he read it off to me. He was accurate. Since last Wed. Apr.11th I have tried to contact Mr.Miranda and he has not gotten back to me as yet. I left my home number and my cell phone number. Today I went on line to find some information and location of where they are located and the page screamed out Rip-OffReport.Com, with stories of other people being ripped off by this agency. When you call an automated voice tells you that they are a collection agency. To this date Mr. Miranda has not gotten back to me. I have left messages on his answering machine and still nothing. They do not have a legitimate email address. Sharon Manhattan, New York U.S.A.

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Rebuttal Consumer Suggestion Submitted: 4/15/2007 9:47:15 AM Modified: 4/15/2007 3:12:29 PM

This is a scam! There is no "Mr. Miranda"

Sharon, CLOSE that bank account IMMEDIATELY and open a new one at a DIFFERENT BANK!! First of all, there is no "Mr. Miranda". This is a scam and a fraud. They even laugh about these aliases they use. It is a big game to them. NEVER call or speak to any debt collector on the phone! And NEVER send any personal or financial information to any debt collector/ debt lawyer/debt buyer. NEVER!! You are under no legal obligation to do so. You need to immediately get every peice of paper filed in this matter. Go to your bank and get whatever they recieved to justify the freezing of your account. Also contact the courthouse and get everything they have. NO ONE except the IRS can freeze your bank account without a court order. This means that they would have had to sue you and win, then go for a garnishment order. The common scam these lowlife engage in, is to do "sewer service" where they knowingly serve an old address of yours so you will not get it and therefore will not respond which allows them to quickly move for the default judgement and garnishment order. However, this is both unethical and illegal. Immediately file a bar association complaint and also notify the court and your local prosecutor of the fraudulent documents. It is a felony in all states I know of to file falsified documents with the court. Get these freaks disbarred! And, file a lawsuit for damages. Don't get mad, GET PAID!! Good luck. ps. get an attorney right away to file a motion to vacate the judgement. Steve [Not A Lawyer] - Bradenton, Florida U.S.A.