716-650-2640

I received a phone call from a 1-716-650-2640.  The caller left a voicemail, stating her name as "Kristen" only and that she was calling from "The Law Firm of Ruben & Yates," which is illegal for a collections company to say.  The nature of the voicemail message was very threatening, and at one point stated that I had "48 hours to comply" by calling back or legal action would be taken.  I did some online research first, reading this and other message boards related to the highly suspect "Ruben and Yates" and so knew the questions to ask.  First, I asked repeatedly whether I had reached the Law Firm of Ruben and Yates.  I was literally transferred to 3 different people, eventually (and supposedly) speaking with "The Director."  I told him that I had a voicemail message saved in which someone using their first name only and identified themselves as calling from the law firm of Ruben and Yates, and then told him that I not only went to law school, but studied consumer law, and am aware that representing oneself as an attorney or law firm when one is not is illegal.  He got very huffy and stated that they have an attorney, to which I replied "EVERY company or business has an attorney.  That DOES NOT make you a law firm.  ARE YOU a law firm?"  He became much more calm, if being calm involves accusing me of stealing since I stopped paying on a credit card debt MANY years ago.  I explained to him the unfair and predatory practices of the credit card industry, usually taking advantage of people with nearly usurious interest rates and that people caught in such situations have almost always paid back much more than the actual dollar value of any services or products bought with the credit cards, due to the high interest rates and late charges.  When I explained to him that I was unemployed and wanted something sent to me in the mail, he literally said "what good would that do?" and hung up on me.  Wow.  Don't let these jerks bully you.  They are a BAD collections agency only, and they are of the type to engage in all the practices that they are simply NOT ALLOWED to engage in.  Search for a Consumer Law Center near you if you have given them any money, because most likely, you now have a lawsuit of your own, AGAINST THEM, simply for the things they may have done and/or said which are violations of various consumer protection acts.  There are, in some locations, substantial fines that can be imposed against these companies if more people would just come forward and point their finger in the right direction.  Unfortunately, like me, most of us are just too busy struggling to stay afloat.  Also, some law schools have consumer law clinics with sliding scales or provide altogether free services for people who have dealt with (or are dealing with) creditors or collection agencies that violate consumer legislation.  Contact your state's Attorney General, seriously.  I am livid right now.

I was called by Ruben and Yates also. I had an outstanding debt left by my ex. I was unaware of the debt and of course interest and charges for collection made the debt much larger , which I would expect after 2 years. The collector worked with me and took off some of the charges and I was happy to have this removed from my record. If I performed a service I expect payment , just like anyone here. If you did not get your paycheck , you would be upset as well. Once I knew about my debt I paid it and feel much better for it!!! So many people run up bills and get the things they want , and then skip out and refuse to pay. I do not care how much consumer law you study , how about studying basic economics, what bills you do not pay end up affecting us all, all he money the company loses from deadbeats that skip out on there responsabilities, has to be made somehow. Deadbeats affect the economy. Amazing how somebody so smart, researches and studies any law that may have been violated by a collector, to basically help her and other deadbeats as well. I feel bad I had 1 outstanding debt and I made sure that it was paid as soon as I was aware. I feel for any collector, who spends an entire work day tracking down and finding debtors all day long , trying to get them to pay a debt they have evaded for literally years!! You should be ashamed, just pay your bill ad leave the poor guy or girl alone that has the job of telling you for the 100th time, that you owe it. Step up to the plate and pay your bills, and respect the fact, that somebody has the awful job of calling you and 30 others each day reminding you that even though you got the products or services you wanted and it is time for you to pay up. When you skip out, we all end up paying in the long run and personally I think that you are the problem, not the collector!!!!!!!!!!!!!:)

I received a voicemail for my hubby's ex wife (divorced almost 19 yrs ago). This company says that they are from the law firm of Ruben and Yates. I called them and told them that if they were legit they would know how to find her and would not be calling her ex and even if I did know how to get in touch with her, I wouldn't give them the info. They aren't legit. This is ridiculous. I'm goin' to contact someone to report this. Don't be fooled by them.

I just received a voicemail for my ex-wife from the "firm of Reuben and Yates".  A man asked for her or her attorney to call 1(866)237-6191 as soon as possible.  She lives over 500 miles away from me in a different state!  I haven't seen her since 1997!  I don't know if they are legit, but I agree with THIS IS RIDICULOUS.  I won't give them her info either.

They saw I was military and tried to scare with me with a court martial and Command activity against me. (That told me he didn't what he was talking about.) The guy on the phone also tried to say he was a former JAG Officer (Judge Advocate General - millitary lawyer)in the navy to try to make me believe he knew what he was talking about. I then threw back consumer law and haven't heard back from him since. However, I do NOT get a shortage of their electronic dialers.

I got a call from Ruben & Yates about a bill my daughter owes. Apparently, they got my phone from the white pages.I do not feel that they should call and harrasse me for something I know nothing about. The government should fail charges against this company for FCC violation.Buffalo , NY

Rueben & Yates are using a 2nd number and it is 1-877-573-2104 and I talked to Mr.Mitchell and then to a Rueben Yates it sounded like because he muffeled it.Dont give them anything!

Rubin & Yates is a criminal organization with no legitimate  address or corporate identity.  They have been sued 4 times for similar behavior but nobody has been able to successfully serve them, let alone obtain any money from them.  They are hiding out under the radar for now.   Call your local Attorney General, the FTC and the NY Attorney General and tell them to put a stop to these criminals.

Rubin & Yates called my 80 year old mother who suffers from Dementia and told her they were going to put her son, my brother in jail if she didn't pay them $2,500 by 5pm today.  Needless to say she was panicked and called me to send the money.  What a bunch of sickos.

Nancy Zappa from the offices of ruben and yates called me regarding a petition to be prepared as a court order in denton, she said i had 24 hours to get back in touch with her. she called from 7166502640 on my caller id then left a voicemail telling me to call 877 573 2104. I didnt call them back. I wanted to research this first. Im glad i did.

These people are CROOKS!!!! threatening to put me in jail beacause of a unpaid two hundred dollar credit card bill. They were SO RUDE!! and I have no idea how they got my number. The man said his name was Dan Marino. Did he play for the dolphins too.The bill was from ten years ago and they are crazy if they think they are getting a red cent from me. Ruben and Yates is what they called themselves and said i had 48 hrs to pay. after reading the post here and knowing im not the only one they are trying to pull this crap on, they can kiss my ass!

My opinion is ... (not legal advice)
Sorry gotta cover my own but...........

At the beging of any call from Ruben and Yates tell them you are recording the call and do so .... I am fairly confident if you say this every time they call
I they will give up shortly

I would never give routing # for any bank account to any debt/bill I owed unless you are fully confident in the other party......... I may pay my cable bill or electric bill but never a creditor

. before paying any debt make them produce all the proper proof they own the debt and it is still a valid debt, if the owner of debt is acting lawfully he/she should provide you with all the proof you need to feel safe to make payments ... get your proof in writing and IMPORTANT!!! if you are ever the slightest bit unsure notify them you need proof IMPORTANT!!!!!! make them prove to you they are acting with honor and they are who they say they are. If ever unsure don't make payment until you have all the proper verification also call an attorney if they make a threat to you with anything even court
not legal advice

Received a call today from the 1-877-573-2104 number but they did not identify the organization in the voicemail.  Similar tactics as mentioned above.  I have not and will not contact them back.

i got a call from them as well saying they where a law firm and i had court and they had been doing backgroud checks on me and left a case number and said i was being summins for court all a load of crap!! im so ticked off

Just wait....Oh how I cant wait for all of you scums to be sued. Its just a matter of time you will see. All you deadbeats will get what is coming to you.

They actually sued me. I dont even believe this.

Received a call from a Gary King at this number on 8/10/2010, looking for someone who had this phone number at least 3 1/2 years ago. He provided her name and social security number, and said a complaint had been filed against her in county court and provided what he claims is the case number and said if she didn't respond promptly that they would indicate to the court she is refusing to cooperate and implied jail time could be forthcoming. I've repeatedly told other callers from this same number and others from various other numbers that this woman no longer has the phone number they are calling, that I have had the number for 3 1/2 years, that I should not be privvy to such information about her, and have asked them to stop calling. Apparently they don't listen too well. I do NOT know her and do NOT know how to contact her. I don't know how much clearer I can be with these people.

Just a follow up to my above post. I had some time to kill so I stopped by the county courthouse on 8/10/2010 The "complaint number" provided by Gary King from 877-573-2104 (his direct line came thru as 716-650-2640) is NOT a valid complaint/case file number with the county, despite Mr. King's allegation. The county clerk's office has no cases filed against the individual Mr. King was looking for. This would indeed appear to be a scam caller, trying to intimidate the person who had my phone number before me into paying up or giving out a cc number or something.

And another follow up.... Mr. King contacted me again today at 10:57 am, again looking for the same individual. I let the answering machine pick up. He again indicated that legal action had been taken against the individual he was looking for, provided a case number, and stated that if she did not return his call promptly she would be reported as uncooperative to the courts and would face jail time. He did not leave her ssn this time. I promptly returned his call, indicated that we had talked on 8/10/2010 and had told him that this woman did not have my phone number any longer, that I did not know her or know how to reach her, and that he had been instructed not to call again. I also told him that I had been to the county courthouse while at the DMV and checked up on his case number, that the courts had nothing filed against this woman or her ssn, and that the "case number" he provided and claimed was the court case number was not valid. Mr. King proceeded to curse me, call me a liar, tell me I didn't know what I was talking about, told me to get a job, claimed a recording which would prove he had not left a ssn the first time he called (I informed him that nowhere in his current conversation had he informed me that the call was to collect a debt and was being recorded, thereby a violation of the FTC debt collection practices) and then hung up on me. I called back and Mr. King answered immediately. He told me I was harassing him and that he was going to file legal action against me. I asked to speak with his supervisor and he again repeated his threat, but did transfer me to his supervisor, a Brian Evan. I provided Mr. Evan a very brief synopsis and instructed him again that NO ONE from Rubin & Yates is to phone this number again, or I would file a complaint with the Pendleton County sheriff as instructed by the clerk at the court office.

yeah, I just got a call from this guy.  He left an extension of 116 but propmptly answered the phone (same guy with a deep and creepy voice).  Before calling him back, I did a search of this 716 number and pulled up this website.  Thank you so much!! Now I know that they are b/s.