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Reported on Tuesday, February 9, 2010 8:45 PM

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This business has not been accredited by BBB.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Based on BBB files, this business has a BBB Rating of F

Click here for an explanation of BBB Ratings.

Reasons for this rating include:
• BBB does not have sufficient information to determine how long this business has been operating
• Number of complaints filed against business
• Failure to respond to complaints filed against business
• Number of complaints filed against business that were unresolved
• Length of time business has taken to resolve complaint(s)
• BBB does not have sufficient background information on this business

(201) 567-5648, x1298
(800) 873-5648

The company's size, volume of business and number of transactions may have a bearing on the number of complaints received by the BBB. The complaints filed against a company may not be as important as the type of complaints, and how the company has handled them. The BBB generally does not pass judgment on the validity of complaints filed.

Number of complaints processed by the BBB
    in the last 36 months: 119
    in the last 12 months: 29

The BBB has no information regarding Government Actions at this time.

The BBB has no information regarding Ad Reviews at this time.

Collection Agencies
Are you behind or late on your debt obligations? Medical emergencies, loss of employment, unexpected changes in income or expenses, or living beyond our means can cause financial distress. Inevitably, when bills go unpaid, debt collectors come calling. When they do, you should know what is considered acceptable collection conduct.

The Fair Debt Collection Practices Act requires that debt collectors treat those who have failed to repay their creditors in a fair manner. It prohibits abusive debt collection practices. The following debt collection practices are among those that are prohibited.

Debt Collectors may NOT:
*harass, oppress, abuse, or use threats of harm toward you or any third parties they contact;
*publish a list of consumers who refuse to pay their debts;
*Use obscene language or repeatedly use the telephone to annoy someone;
*Take or threaten to take your property unless this can be done legally.

They are also restricted in the statements they can make to debtors. They may NOT tell you that:
*you will be arrested if you do not pay your debt;
*they will seize, garnish, attach or sell your property or wages, unless the collection agency or creditor intends to do so and it is legal to do so;
*they will take actions, such as a lawsuit against you, when such action legally may not be taken, or when they do not intend to do so.

Finally, debt collectors may NOT:
*give false credit information about you to anyone;
*send you anything that looks like an official document from a court or government agency when it is not;
*use a false name.

A debt collector IS permitted to contact you in person, by mail, phone, telegram or fax. However, he or she may not contact you at inconvenient times or places (such as before 8 am or after 9 pm) unless you agree. They may not contact your place of work if the collector knows that your employer disapproves of such contacts. You should inform the collector accordingly, in writing, to cease such actions. Keep in mind that this does not resolve the debt.

As a matter of policy, the BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with this business, please let the business know that you contacted the BBB for a BBB Reliability Report.

ID: 150912432
Report as of: 2/9/2010 8:45 PM

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