This # calls everyday with a recording they are Esser, James & Assc & are doing an Asset Liability Investigation on my son & to call back @ 1-855-624-9665. After much research on this, I have found out it's a scam & they call all kinds of people under all kinds of #'s - calling all their family members & such as well, asking for info & pics - wth kind of crap is that?!! If they were real investigators, wouldn't they have all that already - duh!!!
So I just wanted to let you all know who is in my area that might be getting calls from the local # because it had not yet been reported. But do look up that 855#...you'll see exactly what I'm talking about - go to 800notes.com

ESSER, JAMES & ASSOCIATES, LLC POSSIBLY NCG OR MCG CONSULTANTS.
Posted in:  http://800notes.com/Phone.aspx/1-855-624-9665
http://800notes.com/Phone.aspx/1-580-215-6827
http://800notes.com/Phone.aspx/1-903-488-7897
Web site gives and alleged address in Western New York, haven for criminal debt collectors: http://esserjames.com/file-a-complaint.html
BBB page gives them an A- with 2 complaints, but they have only been in business a year:  http://www.bbb.org/upstate-new-york/business- ... t-ny-235976533/
Bizapedia has them, as a Delaware corporation:  http://www.bizapedia.com/de/ESSER-JAMES-ASSOCIATES-LLC.html
They also have 3 businesses listed at that address:  http://www.bizapedia.com/addresses/55-PINEVIEW-DR-AMHERST-NY-14228.html
Now here is something strange, I found 5 obituaries stating that donations to “The Arthritis Foundation” should be made to that address.
New York Dept. of State info:
Selected Entity Name: ESSER, JAMES & ASSOCIATES, LLC
Selected Entity Status Information
Current Entity Name:    ESSER, JAMES & ASSOCIATES, LLC
DOS ID #:    4783450
Initial DOS Filing Date:    JULY 01, 2015
County:    ERIE
Jurisdiction:    DELAWARE
Entity Type:    FOREIGN LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
ESSER, JAMES & ASSOCIATES, LLC
55 PINEVIEW DR.
SUITE 200
AMHERST, NEW YORK, 14228
Registered Agent
NONE

Other complaints:
http://www.debtorboards.com/index.php?topic=28221.0
http://www.whocalledme.com/PhoneNumber/855-624-9665
http://www.ripoffreport.com/r/Esser-James-Associates-LLC/Amherst-New-York-14228/Esser-James-Associates-LLC-James-Associates-LLCJames-AssociatesESSERJAMESRobert-1192506
http://www.ripoffreport.com/r/esser-james-associates/amherst-new-york-14228/esser-james-associates-collections-amherst-new-york-1224327

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/