This guy is at best an ambulance chaser - he is a lacky for a "credit collection agency" where the lead attorney who has been disbarred owns the joint. His best game is address boo-boos. If you live at 123 Main Street he sends all the correspondence to 132 Main Street and claims that he never heard from you. Ask him or the firm to provide proof of the original contract and he becomes indigent and has all sorts of reasons why not. He has an office on the VFW Parkway in West Roxbury, MA that he shares with another fraud that has daily USPS service - but makes the choice to operate from a post office box in the same zip code (02132) but lists his city as Boston, MA. The real name of the corporation that has been shut down before all the new reiterations is Norfolk Financial Corp.