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I have received 2 seperate letters from this law office regarding 2 seperate bills that they say i owe.1 is from 11 yrs ago about an old phone bill and another from 9 yrs ago on a so called default at a bank.For the one at the bank why is this the first time i am hearing about this in 9 yrs.if i owe this why is it not on my credit report and are they even allowed legally to persue you after so many yrs.I want to know why it takes so long to recieve a letter like this,yeah i moved a few times but have not made it difficult for the bank to get a hold of me.and to the REDS FAN with your comment i think you are out of touch with reality i mean with all the extra interest that they are charging us over something that wasnt alot to begin with is ridiculous and why is it when you call to resolve this letter they wont send you information on your account they tell you what is owed and thats it and if you cant pay that settlement amount and need to make payments they charge you the whole amount.If they say i owe this then send me proof if you cannot then your not getting money from me.

This Company Regent Asset bought my old information from US Bank.  It was on a closed account.  They contacted us via generic collection letter.  I fell for it hook line and sinker.  I called wanting to get more information.  They scared me by saying if you dont pay the $1,894 now Court fees of $1,120 will be added.  I didn't want to pay MORE so I set up a payment plan.  Later I went on the internet and learned they were a scam.  I changed my bank account number.  They are still harassing me.  I learned to ask for the DV (Debit Validation)Letter.  They say they never heard of that.  DO NOT GIVE THEM ANY INFORMATION.  IS THERE A LAWSUIT ON THEM?  I WOULD LIKE TO SUE THEM.  Shame on you for scaring and swindling people.  Oh well I know God will punish them.

My wife received the same letter. We went to our local US Bank where she did have an account in 2003. They were very helpful but they said we would have to settle with this Scott Carruthers bunch. Well, long story short, my wife called fully prepared to pay the small amount owed them but, when questioned about the interest, mailing address for their "business", etc. they became rude. She's talking to a REAL lawyer today in our town.

By the way... Did anyone else notice on the previous page the post from the Law Offices of Scott Caruthers... I would think if I were going to go on here and defend myself, I would spell my last name the same as it is on the phony letters being sent out.

I recieved a letter from D. Scott Carruthers, it is a US bank account I defaulted on.  The original overdraft was $2.70, and this company is claiming I owe $555.02. I first asked to speak to James Nelson, the Litigation Coordinator.  They said I could not speak to him personally.  What kind of coordinator is James Nelson if I can't even speak to him? I contacted them to make payment arrangements.  They would not except what I could afford which is $25 per month.  They wanted $93 + change via a card.  I explained I do all billing payments with money orders so I can keep record easily.  They refused.

I then called US bank, got the runaround about 4 times when I finally asked for an adress or a fax number to send a request of discovery under the FOIA - Freedom of Information Act to.  The lady was very helpful after that and I should have my bank statements faxed to me within 48 hours from US Bank, who by the way DOES sell defaulted accounts to debt collectors.

I am so glad that I found this information on line. Although I do have an outstanding amount at US Bank, I was very leary of this letter.  I will be calling USBank myself and submitting this letter to the Minnesota attorney general.

These people are scumbags.  Total scumbags.  I too had a US Bank account, which I defaulted on in 2007 (young, stupid teenage mistake).  The overdraft was for 113 (I defaulted with interest at around 700, goddamn $7 a day.  They are trying to gouge me for over 1100 dollars.  

At first, I was cooperative and they seemed very helpful, but then, after realizing they were frauds, I took a different approach with them.  I told them I was willing to pay for what my overdraft originally had been.  Because that was the only "real" money I owed.  

After this, the tone changed of [***] St. James, the guy in charge of my "account".  I have been threatened, cussed out, received phantom voicemails, even after telling them to never contact me again, and that I new they recorded calls, and would subpoena this in a lawsuit.  They have violated several FDCPA laws.  I would sue them if I could afford to.  I'm just trying to protect my family and baby from being totally wrecked by these [***].

This company is awful.  D. Scott Carrthuers is a slum lawyer.

His personal email is dsclawoff@aol.com

I just got one of these letters and my husband is freaking out.  I am suppossed to call them today to pay them, but I am worried that it is not real.  I did have an old bank account 4 or 5 years ago, but have not used it since.  What should I do and what is a DV letter?

Anyone who receives this letter should identify it for the scam it really is.  This agency keeps threatening my wife and I- and each time I tell them to go ahead and file suit.  We live in Iowa- and according to our laws- a money judgment cannot go to hearing until the defendant is served with proper notice.  Only after proper notice and hearing can a legal judgment be warranted against you.  This doesnt even include the fact that the so called "debt" is beyond the 5 year statute of limitations.

They will continue to call you.  Do not call them back- they will just bank your phone number and continue to harass you every few weeks.  All they are doing is buying up old records of people's credit reports and attempting to "re-collect" a once existing debt that is no longer valid.

Brush up on your state's legal code.  You are fully protected- they cannot just take your money unless you provide them with a way to do it.

D. SCOTT CARRUTHERS and the fake posters here supporting him are FRAUDS!  There is nothing legit when you ask to see what default paperwork they have on you and they show you NOTHING.  It is not legit to give you 14 days to pay. Or to say they will garnish wages.  THEY CAN NOT!!!  If you do make an agreement, they refuse to send you the confirmation of it.  They say "the phone call is being recorded."  

F**** U all of you dumb [***] that work for his clown and all the fake posters here!  GET A LIFE.

To whoever said that they're putting together an investigation:

Please contact me because I'm beginning to wonder if I was ripped off as well.  They called and harrassed me constantly and I was so intimidated that I paid what they said I owed.  I can be reached at loywilliams (at) theotakuologist.com

how much where you paid off to say that? I bet you actually work for the fraudulent law firm

This is Beautiful. I have an FDCPA and TCPA claim against Regent. About 20 days later Carruthers steps into the mix and decides they want to send a letter. (Wise not to call since I've revoked TCPA consent). No 15 U.S.C. 1692g(a) notice of 30 days ask for validation: FDCPA claim 1.
Postmarked from Las Vegas, not California, Rent a Letterhead scam (see Clomon v. Jackson).
Interest per the contract, interest not verified, collecting an illegal amount 1692f violation.

Why in the hell did you clowns get involved, when Regent is already getting their [***] sued? Do you just like being co-defendants?

So is DScott Carruthers actually a real attorney who is collecting the debt?  Because if he isn't and Regent is using his name on letterhead, it is a violation of the FDCPA.  Contact the American Collectors Association. They know how to handle bogus companies and those who violate the law.  Also contact the Attorney General in the state where you live and nationally.

Hello,

I received a letter from this company as well. The letter says that if i do not contact Regent to discuss my settlement they will begin preparing my case for lawsuit to be filed in Los Angeles County by investigating my employment, assets,a nd banking information. I do live in Los Angeles County and that is why I am worried. I dont owe much on the account that defaulted, I owe about $350 I would have rather them contacted me to set up a payment plan than to threaten me with a lawsuit. Can they really take my case to court for such a small amount? I am worried since I do resied in California. Anybody?

Thanks

As far as I've been able to tell, he is a licensed attorney, Dennis Scott Carruthers based  in California, bar number 68745, out of Stanton per the CA Bar website. It doesn't look like he's licensed in any other state. The common tactic is to have his letterhead come out, with a call back number to Regent. Even though he's based in CA and Regent is based in CO and KS (two separate entities, one is an INC, the other an LLC), the mail all comes from a mailing center out of NV. It is the rent a lawyer letterhead trick for sure. Regent didn't bother to show for court and got a default judgment entered against them in my recent case.

I have also received a letter from the offices of D Scott Carruthers requesting that I pay w/ in the 14 days or at least contact them or face suit charges.  I had dealt w/ their operators and have several extensions (none of which work) and my bank called today looking for payment.  When I explained that I was paying via Regent Asset she sounded suprised and looked into my account.  I confirmed a bit of my info and hers and together we decided that I had been scammed.  I've done a little investigating, calling the offices at 714 761 3976 directly, only to get directed to 303 895 2475...I was sent to an automated clerk and then hung up on.  The actual number that appears on my letter says that their offices are closed for the day and to leave a msg.  Just Peachy!  Seriously, if anyone gets this letter, contact your bank IMMEDIATELY and when you find out what is going on, make arrangements thru your bank to pay your debt because it costs way less and they are more apt to work with you than against you.  And if it will make you feel better call DSC and tell em where they can stick their suit.  I would love to be able to afford to sue them, but out of state lawsuits costs quite a bit, and for the ammount I lost its unfortunate, but lesson learned. :(

D. Scott Carruthers, regardless of his BAR status, is a fraud and should be disbarred for these unethical practices. Same goes for the collection agencies he "represents." Multiple violations throughout a 2 year period, not only of me being harassed but also harassing my family members multiple times after being told I no longer live in that STATE, and over a debt even the bank claims I do not owe and is beyond statute of limitations anyways. They did not show up to court on court date, (why would they?) they're frauds and know they have no foot to stand on. They have a little surprise coming soon, they certainly messed with the wrong person.

I am withholding any information they can use to single me out since I know they're monitoring this site and because I plan to go after the banks and after their accounts as well.

Did you ever do this?  they harrassed me and were taking $ out of my checking account for well over a year.  this actually took several months b/c they were so rude.  Most especially a man named Jason Bexton who I finally refused to talk to any more.  finally one of the calls came from someone who talked to me like a human being, said he would stop and take away all the interest and he did.  then last year I was told this company was fraudulent and to have the bank put a stop payment.  which i did and when D. Scott caruthers' office called I repeated what I was told and that was that.  This was over one year ago.  this past friday I received a call from them and now they are starting all over again.

How did this end up for you?  Hopefully, well b/c yes, they are nasty people.  who else would do this kind of work?