Someone called my neighbor asking for my adult son (who doesn't live here) and left a message that if he didn't call her within the hour charges would be filed. The caller said she was with "Workforce"-something. There was a word after "workforce" but it wasn't clear.  I contacted my son who said he had a credit card that went to collection - the only thing he knew of that it might be about.

Called stating that his name is William Dean of William Dean and Assoc. a law firm. Stating that i need to have money in there by the close of business on friday. This is the same man that called me stating that his name was soomething else. These people are crazy and the need to brought to justice.

For helpful advice on protecting yourself from crooked debt collectors and shyster lawyers, check out www.budhibbs.com

This is a criminal organization run by Lisa G. Waters of 1679 Dockside Drive, Orange Park, FL 32003, born 12/1965. She has hundreds of thousands of dollars in judgments against her, was recently fined by the IL Attorney General for telling people the state would take their kids for not paying a bill. Lisa has a long history as a con artists and extortionist, no one should ever send money to either name, above. They cannot do anything to anyone. Lisa is a LIAR!

Smith Dean & Associates Responds to anonymous internet rants
The internet is a very influential and effective part of any business in today's fast paced, global economy. A major problem that comes from this is that anyone can post anything they want to about a company without any truth or consequence on the many internet outlets. Many times, after a professional and ethical company is smeared through anonymous ratings, it is the company's good reputation that is in the end, unfairly tarnished.

We would like to set the record straight and state the facts for all to understand once and for all.

Before any one of our clients place an account with us, or any other collection agency, they attempt to collect the debt themselves for 30-90 days before placing the DELINQUENT debtor to us. After our client (the lender) realizes the debtor (the borrower) is not going to pay them, they then forward the now very past due balance to us (the collector).

The ridiculous nature of the statements made by the complainants (the debtor) is that not a single one of these people ranting about us and other collection agencies will take one ounce of responsibility for the fact that they borrowed $ MONEY $ from some business and DID NOT PAY IT BACK!! In many instances, these individuals broke laws by writing worthless checks.

They also fail to mention that every one of them could have worked out an affordable payment plan with our client (the lender) during the 30-90 days before we received the account. After breaking every payment arrangement or flat out just not paying the debt, they decide to go to the internet and post anonymous comments making them out to be the VICTIM!

We maintain that we follow the letter and the spirit of the law in every instance in attempting to collect a debt. Furthermore we are always in complete compliance with the Fair Debt Collection Practices Act (FDCPA).

All we can say is that in a perfect world, if the borrower (now debtor), would have paid back the monies they borrowed in the first place, there would be no reason for us to be contacting them at all.

So potential clients, please keep in mind, the people who are on the internet complaining about collection agencies are the very people who have taken your money and refuse to pay you back. YOU ARE THE VICTIM. Not them...........