Report Liberty Acquisitions LLC online:
Colorado Attorney General:
http://www.coloradoattorneygeneral.gov/departments/consumer_protection/file_consumer_complaint
FTC:
https://www.ftccomplaintassistant.gov/ftc_wizard.aspx
Better Business Bureau:
https://odr.bbb.org/odrweb/public/complaintlink.aspx
Colorado Attorney General form to mail Liberty Acquisitions LLC complaint:
http://www.coloradoattorneygeneral.gov/sites/default/files/uploads/cab/cabcmplform.pdf
Mail to:
Colorado Attorney General
John W. Suthers
1525 Sherman St. 7th floor
Denver, CO 80203
Report Liberty Acquisitions LLC and Liberty's in-house legal counsel, Busch Professional Corporation, with bulk email:
(Copy entire string of emails below and paste into new email)
attorney.general@state.co.us; cab@state.co.us; info@denverda.org; stop.fraud@state.co.us; info@denver.bbb.org; info@bbbsc.org; info@wynco.bbb.org; bbbfcws@digii.net; RedFlags@ftc.gov; ethics@acainternational.org;
"So I recived a letter in the mail today telling me that I had a warrent issused for my arrest for not complying with court orders. Called Liberty Acquistions to discuss with them, for some reason when I went to court and met with their lawyer they did not scan my interogitories into their system!!! So, even though I did what I was told to do, someone there did not and because of that I now have a warrent out for my arrest! I was told by Liberty Acquistions that there was nothing they could do about it till monday so now I get to spend the weekend at home to make sure I dont go to jail!!."
"My bank account has been garnished by a bill collector. My professional liability insurance company paid the bill. The bank says the court has demanded that the money be taken from my account. Now [Liberty Acquisitions] has the money from the insurance company plus the money from my bank account. I sent a fax of the verification of payment by the insurance company to the attorney and to the bank. What can I do? This feels like highway robbery. I need to pay my rent tomorrow or I will be evicted."
"A person came to serve me what I considered to be a very illegal complaint. She very loudly knocked on my door, screaming out my name and shouting out very private, personal information on me. I live in an apartment complex with other apartments very close to mine and this woman kept repeating my name, saying she was here to collect on a debt and that she was going to embarrass me and give out personal information if I didn't answer the door. I had no idea who she was, she was in plain clothes, not in any uniform so I didn't open my door to her.
She then began shouting out my name and my complete social security number several times which I am sure my neighbors were able to hear. She then went away and later came back doing the same thing, shouting out my complete name and social security number. She shouted out that she was not going away until she embarrassed me enough to get me to open the door because she knew I was in there. The complaint she served did not have the appearance of an official complaint - no court record number on it and no official seal to indicate that an official complaint had been filed against me. I was scared and embarrassed and tried to contact the company.
They sounded very unprofessional - answering the phone by saying "Hello" and not giving any official name of the company. I was very suspicious but in my fear and not wanting a judgment to be signed against me, I sent a letter advising that I wanted to work out a payment plan which I did last August 2009 and have been paying $150 a month on this debt, that was written off by Citibank several years ago. I am still very suspiciou of this company and its collection practices. I would like you to please look into the very unprofessional and unconscienable collection practices of this company. I would be happy to testify in any action you bring against this company, Liberty Acquistion."
"Help me out here, I just got served a summons. It was dropped off, I don't know if they have to personally hand deliver it to you or not. I have the papers here stating that I have to appear next month. I'm baffeled and don't know what to do next. The phone number for the lawyer and the CA are the same as well as the addresses. The CA & attorney are located in Colorado. I am in Ohio. The collection comes from Household Bank originally and now Liberty Acquisitions, LLC. has it. I am not up to snuff when my accounts get switched around like that. Please help."
"Court server just left. Plaintiff is Liberty Acquisitions regarding an account originated by HSBC/Orchard Bank that was charged off in 2006. I am not clear on what the SOL is in Colorado. The amount of the charge off is $297.00. They claim in the summons that the amount owed on 7/31/2006 was $605.33 and today is $960.40 plus they also want court costs and attorney fees."
"I have just been served a Summons by a collection agency in Denver CO. i have a few issues that i can't seem to get a straight answer on. 1) i sent them a debt validation letter, all they sent me was their chain of title refusing to send the paper work showing i signed up for the account. 2) in the 6 days from the original letter to the "validation response" the amount went from 666$ 818$ when i called to ask why they said must be attorneys fees. no real explanation. the plaintiff is Liberty Acquisitions LLC, the attorney is Busch Professional Corparation, this company buys junk debt that came maxed out with fees and uses the court to bully people. i can not afford an attorney. I dont feel its fair to have a novice fight a trained professional"
"Question: I got a letter from court called, "Pattern Interrogatories Under C.R.C.P369 in person. I have to fill personal information and and get it notorized from the court. The problem is Nothing is under my name. I don't even have a bank account under my name. I have to respond the letter within 10 days. I don't know what to do."
"Have you been served with an actual lawsuit yet?"
"Not yet. Just a letter wanting me to fill in with personal information including bank statement, pay check stubs, tax returns, deeds, and etc.The letter is from County court, Arpahoe County, Colorado. The letter was sumitted by Busch Professional Corporation."
"Here is what is perplexing me: In order to be served Interrogatories, you need to have been served with a lawsuit. Something is amiss here. Tomorrow, you will need to call the county clerk's office and find out what is going on. If you have not been properly served with a lawsuit, you have no obligation to answer these interrogatories. Please find out the status of whether a case has been filed against you or not and if so, whom was served..."
"I suppose doing my credit repair and adding a few accounts (credit) has peaked their interest and I recieved a Pattern Interrogatories today (served). It states I have 10 days to reply and must answer all questions. (from Busch Professional Corporation on behalf of Liberty Acquistions) Do I truly have to do this? They ask about my bank account. It is used for my child support deposits and I know they really can't touch it but I know it would be a pain to correct it after the fact. They ask do I own firearms! I was served this paperwork and it says i have 10 days to respond or I can be cited for contempt."
"Do they cite a court where they've filed a lawsuit, because it does not sound as though they have filed a lawsuit."
"I never received any response to the defenses. The exhibits include an installment agreement with no dates or signatures and a statement of account with Liberty Acquisitions listed at the top. There is nothing with a date or signature. I was never notified about the debt and had no chance to get [it] validated. The only call I received was when they were trying to get me to set up payments before the trial."
"Today I was served what looks like court papers from a plantiff Liberty Acquisitions, however they are their own attorneys as well (Busch Professional Corp). The papers are Pattern Interrogatories and they state that I have ten days to reply. I called them today and asked one simple question, "what company/debt are they representing? They stated it was a debt I was owing Sprint in the amount of $1600.00. I could see how people would get scared because the papers look like legal documents. At this point I am not sure whom to believe. I looked at my 2007 credit report and can not find Sprint on it anywhere. I went down to the courthouse and it says that I was served on March 06, 2010, however, I seriously do not remember getting served any papers (I think I would remember)."
"I have not heard anything from anyone about this debt (no letters, no phone calls, etc.) until I got served with a summons 2 days ago. The OC sold my account to this collection agency in Longmont, CO called Liberty Acquisitions. Now I am supposed to appear in court on November 2. They are trying to make me pay over $1300 plus court fees and process server fees (I was served from a private process server. Not a sheriff). I looked at the summons I noticed that there is nothing on it. Its blank. Just a court date and time. No case #, division #, or even a room #. So I called the courthouse and there is nothing filed against me there. Is this a scare tactic or will they file something later with the courts before Nov 2? If they haven't filed anything with the courts why are they trying to hit me for court fees? What do I do?"
"The SOL in CO is 3 years. The SOL starts on either the date of default or date of last payment. This may or may not be a bogus legal threat. Keep in contact with the courthouse for more info. Start by sending this debt collector and the court (this info will be requested at any court hearing) a letter via Certified Mail with Return Receipt (NOT regular mail) stating:
Per the Fair Credit Reporting Act, I am officially requesting validation of your claim, to include:A copy of the original application with my signature for this alleged debt Provide the full name of your attorney and his/her license # in the state bar association How much was this debt purchased for? Provide a fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt was calculated, including the interest rate being charged. Confirm that this rate falls within Colorado usury limits Provide validation that this alleged debt is within the statute of limitation
This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped.
Don't sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name. Pull your credit report to see what the Date of Last Activity is showing on this account: https://www.annualcreditreport.com/"
"On Experian everything says OK until April 07 and it says 30 DAYS. I dont think that was reported correctly. I dont remember even using this card in 2007. I was planning on going to court and telling the judge that since I haven't heard anything about this until the summons I would like to get the debt validated. I want to ask the judge to do it to try to buy me some time. If they are trying to scare me they shouldn't have this info. I dont want to give them a heads up so they can get this info and use it in court to win the judgement against me."
"You can't go to the court and directly talk to the judge. Start with the certified mail request. Stay off the phone and don't talk to the collection agency! Keep all communications in writing. DO NOT admit to owing the debt in writing."
"My dad [got] served papers last week for a JCP account wrote off in 2003. The man said he was a detective and mentioned my youngest sisters name. My dad opened the door thinking something had happened to my sister. When he did the man even had a gun on his hip. He had another man with him and they both carried some sort of badge. The papers from them list my sister as my dads wife. My dad filed his answer and needs to wait for court date to be set. Is this the way it is supposed to work? The dates on the paperwork didnt seem to jive-it basically gave him less than a week to file an answer, but the papers had a june 24th date on it. This doesnt sound right. I need your help."
"I received (inadequately generic) validation from a collection agency. The envelope the information was sent in was the name of a law firm. The letter was on the collection agency letterhead and there was no mention of the law firm/lawyer in the letter. The letter was a very brief "here is the validation you requested, please contact us so we can arrange for payments." At the top of the letter it stated: "re: liberty acquisitions v. powers64". Does having an envelope from a lawfirm, then using the 'company v. company' imply legal action?"
"I have a question regarding a suppose summon but not sure if this is real. I got a summon to appear in court but the letter did not stated the case number, courtroom to report to. There is no signature from the city clerk and there is no seal. I did a research on the attorney, Busch Professional Corp and found out that it is a collection trials (attorney). However, BUSCH is also DBA Liberty Acquisitions LLC, which is the collection agency. Now I am confuse, do I go to court because the only thing the letter has is the address of the courthouse."
"For service of a summons to be valid, it must be a copy of the filed summons. Based on what you said, it sounds very much like you received a draft copy. I would suggest that you contact the courthouse by phone and ask if there is a case pending against you, and if so, what the case number is, if there is a court date scheduled, if a summons has been filed, and if a proof of service for the summons has been filed----just in case something fishy is going on."
"I never received anything about this debt in the mail from plaintiff until I was given the summons and complaint. I brought that up in court as well as a copy of a post summons DV letter that I sent to the plaintiff that states that I never received anything -- fact is, plaintiff just has to testify that it is a regular practice in the course of the way they do business. Plaintiff filed the complaint with the court just before recieving (signing for cert) my DV request letter. In response to my DV request all they sent me was a copy of a card holder agreement. I had to request a pretrial conference in order to request discovery. My discovery request as well as my DV requests were never produced. The plaintiff just told the judge that they were unable to.I still find it hard to believe that the judge overruled everyone of my objections to the plaintiffs exhibits and admitted all of them, said to be "properly". I am wondering where to file appeal for this case. One concern I have for filing an appeal would be if I do lose my appeal, I have no idea what the plaintiff and the court constitute as "reasonable costs and attorney fees". I really am the lamb in the lions den trying to defend myself in a court room."
- Exhibit A - Series of sales of the subject account from BOA to FIA Card Services, then from FIA Card Services to Worldwide Asset purchasing II.....West Asset Management to Liberty...and finally, Liberty Acquisitions sold the account to the Plantiff. (There is no account number that connects me to the account shown in this so called complete chain of title, just testimony from plaintiff saying that the account number was mine)
- Exhibit B - Generic statement Statement of Account said to be from BOA. (there [was] no one from BOA to testify to its validity and it also contained inaccurate personal identifiable information as to my date of birth)
- Exhibit C - BOA card holder agreement. (This agreement did not apply to me because the plaintiff had stated that the account was opened with BOA in 2001 and yet the card holder agreement had a copyrite date of 2003)
- Exhibit D - A copy of my TU credit Report showing the account in my name. (there isn't anyone from the Credit reporting agency to testify as to the accuracy of the report and the information in that report was inaccurate.)
They sue you and make accusations of you. You go to the pretrial conference, request discovery and say, "Prove the allegations with evidence." They reply with, "We cannot produce the evidence of these claims." The court rules for them.
Something sounds WAY off to me. Plaintiff, as a debt collector, is subject to certain federal laws, one of which is the Fair Debt Collection Practices Act (FDCPA). This law requires a debt collector to provide proof of their claims concerning a debt when such proof is asked for. Defendant did request this proof on more than one occasion, yet the plaintiff never provided it. A verdict in favor of the plaintiff, without them even proving that this debt legtiimately existed, goes completely against both the wording and the intent of the FDCPA. Defendant further contends that plaintiff brought forth no evidence to adaquately prove that the amount they claim to be owed is actually correct.
"An employee group at my former job apparently overdrafted $350. The debt was purchased by Liberty Acquisitions (US Bank account) and I received a summons for $750 (interest for over 3 years). I would like copies of the statements and checks written on the account to see who wrote them. The date of the debt was 7/16/06. I left in April 2006."
"The problem you have is trying to prove that you don't owe the debt against their allegations that you do. If don't do it properly then you will get a judgment against you. If you don't pay the judgment voluntarily then they will have to go to court and get a garnishment in order to seize your bank accounts or your vehicles or any other type of property or garnish your wages if you have a regular job. The only way you can hope to win is to learn how to defend properly."
Cause: 42:1983 Civil Rights Act
"Recovery in a section 1983 action is based upon the deprivation of a federal statutory or constitutional right. A claim based upon an action which violated both federal and state law may be pursued."Filed: September 16, 2009
Court: Colorado District Court
Case Number: 1:2009cv02221
Plaintiff: Carol Adams, A pro se party (self represnted)
Defendant: Liberty Acquisitions LLC, A collection agency with in-house legal counsel (Busch Professional Corporation)
Dismissed: "Complaint not revised on current Court-approved form in accordance with D.C.COLO.L.CivR 8.2A."
"Do they have to have a signed contract from me or will they get away with using this electronic application that has no names of any company on it. It just looks like a screen shot of something. The junk debt buyer is suing me, not the original creditor. This debt has been sold 5 times. I told their attorney that I am electing arbitration. When court started she tried to talk me out of it by saying it will cost $1200 to initiate it. Then the judge said the same thing. The attorney said they will be requesting all their costs back."
"You avoided judgment. Did they bring a witness? If they did, boy, this must have really frosted them! They have to do a number of things to comply with court order to arbitrate."
Billing or Collection Issues - "Claims alleging billing errors, unauthorized charges, or questionable collection practices."Failure to provide itemized billing as requested Improper collection practices Credit, Billing or Collection Complaint Credit, Billing or Collection Complaint
Service Issues - "Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery services."Improper or inferior service
"This company employs illegal and immoral collection practices. They are currently the defendant in a federal class action lawsuit. (2009cv02221) filed in Sept. of 2009. They use harassment, threats, and intimidation to get information from you. They have even hand delivered supposed "legal" documents to people that appear to be phony. Their people on the phone are rude and obnoxious and will hang up on you if you mention the numerous complaints about them found online or the lawsuit. They are at best a collection agency in violation of the Fair Debt Collection Practices Act, but could be a complete scam. Watch out for this company, and DO NOT provide them ANY information. From what Ive found, the best thing to do is report this company IMMEDIATELY to the appropriate authorities (i.e. the Attorney General and the BBB)"
"Liberty Acquisitions and Busch Professional Corporation use unconsciounable business practices and do not follow due process in suing individuals for unpaid, unverified debt."
"These people [Liberty Acquisitions LLC] are only in the business of debt buying, such as buying closed accounts from banks and other credit companies for pennies on the dollar. Then they turn around and harass the debtor for the original amount of the debt plus interest plus collection fees plus court costs. The next thing you know you're being served to go to court. It's attorneys like [Busch Professional Corporation] who give the rest of the attorneys out there a bad name."
"Caller ID shows 303-984-5124 as Busch Professional Corp. AKA Liberty Acquisitions. A bottom feeding debt collector"
"Busch Professional Corporation also works under the guise of Liberty Acquisitions as the "internal law firm" for the collection agency. They search outstanding debts in their jurisdiction and file a summons to the debtors. I have never engaged with a more opportunistic, heartless group of lawyers. Regardless of the financial or physical condition of the defendant they will make that person's life miserable. There is neither negotiation nor attention paid to the realities of the debtor's circumstances. The only word I can use to describe them is offensive and they will use the letter of the law to their own advantage."
"I questioned the legitamcy of this company. I've not been able to find any paper work online or within the county courts regarding the subject matter. I am not able to find any record of such transactions even occurred. The only documentation I've recieved is what they've hired someone to deliver. If I were a Judge, Magistrate, Clerk of Courts, etc. I would look into this company and their business practices."
"Busch Professional Corp (Colorado) These guys will try to serve papers at addresses that you do not live at or no longer live at. they will not send any documentation regarding said debts or even give you the chance to have it validated. If it wasn't for the fact that my friend lived at the address where they were trying to serve the papers, who knows what would have happened? So watch out."
"I am interested in any citizen who has a bad experience with Liberty Acquisiotions, LLC lead by Geoffrey and Robert Busch of Golden, Co. They are thugs and need to be stopped by a lesson-teaching lawsuit. Anyone interested? Reply to this comment. The laws of the state of colorado must also change to stop this predatory practise of capitalizing on peoples misery. Libery Acquisitions needs to shut down and look for another business..."
"Liberty Acquisitions LLC employ illegal and immoral debt collection techniques, including intimidation and misrepresentation of the facts. Companies like this need to be closed down permanently!"