This so call law firm are crooked thieves. You make a payment never get credit or see a balance sheet. Never answer the phone or respond to emails. If you're late paying they increase your debt with a ridiculous amount , definitely needs to be investigated for there practices. Hopefully one day they will be held accountable for ripping hard working people off read more

They buy bad debt and then come after you. Tried to work with them directly and they couldn't be bothered. Then they took me to court, and when I followed the judge's orders to work with them, they couldn't be bothered to pick up the phone or return my emails. Then they took me to court again. I guess we'll repeat this cycle? read more

Lemme tell ya something. I normally don't, but today? I got the time today. I called to simply say that I received a letter from them that was meant for the prior tenant. I very politely explained that the woman they are trying to reach no longer lives here. I then explained that I could probably give them the old tenant's new address bc I know someone who lives right by her. I thought I was just being kind & helpful, but to my shock, the employee on the other end of the line responded so rudely & began to berate me. She rudely asked me why I didn't give the mail back to the mailman. Huh?! Ma'am, it's not my responsibility to fix your company's mistakes, yet here I am STILL trying to help you while being treated rudely & criticized...Wow! I am typically never home when the mailman arrives, so I went out of my way to call Kream & Kream during my free time to simply help them out; Something that I did NOT have to do. Kream & Kream should seriously consider hiring someone FRIENDLY to answer their phone calls. An employee that answers phone calls is an employee that often provides the first impression of the company they are representing...This woman gave Kream & Kream a horrible first impression. Kream & Kream may very well be an excellent company, but that woman is absolutely losing them customers. You may be reading this & thinking, "Oh, whatever. Who cares? You're not even a customer!" Fantastic observation skills! I am indeed NOT a customer, now hold still as I adhere this gold star to your forehead; You earned it! Now wear it proudly. If someone seriously can't show the slightest bit of kindness to a stranger, especially a very polite stranger, then they should NEVER be hired to interact with customers, period. I know damn well that I wasn't the first to be treated like this by her & I know damn well that I damn sure won't be the last. (Check out Kream & Kream's other reviews regarding similar rude experiences.) Usually, when we have the misfortune of dealing with an unpleasant employee, we simply brush it off & forget about it. We either don't have the time to write a review or we just don't feel like it. Well not today, ma'am, not today. I have time to write about my unpleasant experience with you today & I feel that people dealing with Kream & Kream should know how nasty you are to people who are very polite & kind to you. Anyway, I hope you have the day you deserve. read more

I would like to know how to investigate kream and kream . I personally had down every payment. I made them never missing a payment I had finished and paid in full. They took us to court, and because their lawyers they take advantage ....to this day now 20 some years later, we're still paying monthly. They are crooks and no one should ever be involved with this company. Shame on them for taking advantage of hard-working people.!!!!!! read more

if you go in person you will find a disgustingly ugly group of individuals. no windows in their office its horribly depressing. i feel bad for them honestly. I was shocked by how rude they were on the phone but it all made sense when I saw their faces. read more

These people need to be investigated by the Ag office.They are a bunch of crooks. They buy old debts from creditors and harrass you for years. They call themselves " lawyers" hard to believe.Im pretty sure they don't have much clients. They make a living by buying old accounts and getting rich by them. Scumbags no stars for them read more

Negative stars. "Attourneys" for the infamous Arrow Financial Services...aka Debt collectors. Extremely rude, would not talk to me about getting the situation resolved, used sarcasm in an extremely nasty way, and then flat out called me a liar. Perfect for you if you are a debt collector trying to get $1200 for the $200 credit line you gave some one in 1995. Other than that, I suggest not even wasting your time trying to speak with these....."lawyers"......They must be so proud to tell people what they do..... read more

I found them to be crass, rude, no stars, sarcastic, and a total turn off. Oddly, I am working with other creditors to try to repay bills, but their approach makes me put them last on the list. Even their tone in writing speaks to what they are -- and if I could give no stars I would. read more

Absolutely NO STARS. These 'men' are the most ruthless, nasty, rude, vicious, condescending, sarcastic humans I've ever dealt with. Tough if you're not working. Tough if your payment isn't received on time every time. Can't make a payment? "Borrow the money". Yeah,,right. I really don't think part of their job is to crush you into the ground, belittle you with no mercy and make you feel insignificant. Having to deal with the 'ever gleeful' John Kream was the worst experience. Rude, preachy, snide and horrible. I can hardly wait to make my last payment with this Hell on earth! read more

If you have to deal with Kream and Kream (as I have been for several months, in Weymouth MA), let me warn you... There is ZERO compassion there. They are quick to kick you wear it hurts while you're down. They never heard of the word mercy and have no idea what it means. Most debt collectors are kind, willing to listen and come to a reasonable agreement that you can ALMOST afford. Not these gougers. After they take most of what is owed from you (while threatening and demanding along the way), they add on another ?% just to make them feel better.They are very rough and rude in their speaking to you. You will get NO respect and be treated suspiciously. John is the WORST! To Kream and Kream I would like to you to consider that someday YOU WILL answer to God for the way you treated people. You won't be such a bulldog then! The good Lord have mercy on you and lead you to repentance. May you find peace and deal with human beings firmly yet compassionately. read more

Horrible. As someone above said, condescending and rude. I got "why haven't you bettered yourself?" as a response to my financial situation. Yeah, well, if Daddy gave me a law firm, I wouldn't have had to. These people are the reason why everyone hates lawyers. read more

Extremely unprofessional, condescending, ignorant people! Talks down to people, doesn't listen and I wouldn't be surprised if they have been reported to the BBB for theft! They sound as crooked as they come. You clearly wouldn't go to them voluntarily for services they are assigned to you on behalf of creditors. Proceed with caution when dealing with this company! I only gave 1 star because I wasn't able to give "no stars" or negative stars!!! ABSOLUTELY HORRIBLE read more

These guys are the lowest of the low. They make a living by collecting old bad debts by taking you to court. They are unprofessional, discourteous, and difficult at every turn. Rather than actually trying to work with people so they can save they're credit report, there is no choice but court with these folks. Tread carefully -- and if at all possible -- make their life as difficult as possible. read more

These people are truly the scum of the earth. I don't know how they go to sleep at night. I have been trying very hard to pay off all my debt. I asked them to send statments so I could keep track and they laughed at me stating "We don't send statements". They brag about the amazing database they have on their website but can't send statements. So now, when I thought the account was paid off, there is still a balance because they did not give me all the information about interest. They told me I should have known from paperwork sent to me back in 2004 (when they didn't have the account). I can't wait to be done with them and I wish someone would stand up to their practices and take them down. RUDE!!! read more

I couldn't agree more with the previous reviews. Negative star for sure! I had my first interaction with this firm today. For starters they were sending notifications to an address that I haven't lived at for about 2yrs! I eventually received a warrant for my arrest due to not showing up for small claims court due to yet again them not sending the letters to my correct address. Finally I speak to a rep today who implied I was lying yet my previous landlord gave my all the letters showing my old address but I guess I made that up. Then to make matters worse I then tried to make a payment arrangement & they told me they couldn't accept anything less than $100 per month which is not happening. They told me that they would not clear the warrant unless I accepted their terms. The rep on the other end of the phone was completely rude, unprofessional & uneducated. He implied that I don't know how the small claims process works. Being $26,000 in debt I'm pretty sure I'm aware how the process works. I guess when you have everything handed to you that means you have no idea what it's like to struggle financially. Well guess what Kream and Kream, I'm starting the process on filing for bankruptcy this Monday & you won't see a dime from me so chew on that! read more

Negative stars indeed! Shady debt collectors, use deceptive and unfair debt collection practices. Consumer/debtor beware! For a MasterCard debt: 1) Tried to negotiate payment equiv. to original credit card terms. They declined. 2) Constable served summons and complaint at old address, so never received, couldn't file answer on time. Default judgment for Kream & Kream. 3) Unemployed at the payment review hearing. Lawyer wanted to know how much weekly unemployment was being collected. (Illegal to request payment on exempt income. And State was behind, so $0 anyway.) Hearing postponed for 3 months. 4) Started a new job, so couldn't take [unpaid] time off for payment review hearing. Day before hearing, made payment agreement and a 15% good-faith payment by credit card. Was told repeatedly by K & K attorney that they'd inform the court of our payment agreement--didn't need to appear in court (Small Claims Court Rule 7). They didn't inform the court of the agreement or the payment, and court issued a capias warrant. 5) They had (erroneously ?) processed the credit card payment twice; so card became over-limit and was charged extra fees. 6) Called K & K to remedy the "oversight" on capias warrant issue. Court Clerk had requested K&K to return the request for capias warrant. When K & K partner was informed this, replied that he could, but he wasn't going to--would hold it over debtor's head until debt was paid. read more

No Stars / Negative stars if i could. I agree with the others here, NO GOOD. I never even received a letter from these guys saying, "We have your account pay us" all i got was court documents saying that they ruled me in Default. I started paying them, Now I get a court Summons saying "Fail Not of appearance at your peril" what are they gonna kill me if i don't show up? the best part of all this is that I moved 6 months ago, sent them my new address info, and they are still using my old address, which is in another county. I think under MGL that means this summons is invalid because i no longer reside at the address and am not under the jurisdiction of the courts of that county. read more

CRIMINALS! These guys are EVIL. I contacted them for a lump sum payout on a 2,000 debt my (now) ex-wife rang up on my credit card and they WOULDNT EVEN DISCUSS IT. Furthermore, to secure the debt they threatened me with a Capias!!!! I took them to court to lower the sum, WIfe was sick (cancer) I was making regular payments, that I could afford and they parlayed it into over $9,000! KID YOU NOT! (added interest anyway) Had my attorney contact them thinking that she might speak to them on a Peer Level- and get matter resolved, and she called me back SHOCKED at what arrogant a-holes they are. WOULDNT give her any respect and indeed completely offended her. I WOULD LOVE TO REPORT THEM TO THE MASS BAR. read more

Yeah, what you all said! First time in my life I had to go to court. I haven't even served jury duty!!! All for a debt that was settled as lower than owed to the original creditor and then charged off. Because I moved and did not have the paper trail to prove that I had settled this, these snakes sued me in small claims for 1900.00. Again, my bad for not keeping the paper trail--I lost, but do not have to pay whole amount. When I was first served, I told the @$$hole that I was having a total knee replacement 10 days prior to the court date and asked to have it changed. He said, "Oh, don't worry. You don't have to show up. We'll just get a default and then we'll make a payment arrangement." Duh. Totally playing on my ignorance of the law. I showed up 5 days out of the hospital, in September, with shorts on showing off my lovely and gruesome 32 staples down my leg. Even the guy they hire to sit in court on the North Shore post-poned the hearing for May! In May, the same lawyer (hired by them) tried to convince the Magistrate to dismiss my case!!! Unfortunately, proof is everything, and I couldn't prove my innocence. The law is the law. These arsewipes are indeed sarcastic, bloodthirsty, evil-doers who give lawyers their stereotypical image. Look up MA consumer law. There is a lawfirm that starts with a "Q" who is representing someone suing them for their methods of collection. It may end up as a class-action suit. I've emailed the firm re my case. Jump on the bandwagon. Grab a wooden steak, your best Crucifix and let's go get the bastards!!! read more

I had to write a review regarding my experience with paying off one of my debts. I have to say I am flabergasted by the unprofessionalism that Richard- Jon kream the so called manager of this firm. I have never met anyone like him. He is beyond ignorant to clients, his manorism is very unprofessional for the title that he holds. I am very surprised no one has complained to the BBB about him as of yet. I cannot wait til my debt is paid off so I never had to deal with him again. He has called me a dead beat, loser , I am a liar, I dont pay my bills.. I have never experienced anything such as this until with aka Jon Kream. read more

I agree with all above. These sharks are vultures preying on an 88 year old widow and trying to take her house. They managed to turn a minor credit card debt, from her husband, into a major lein against her house. Now they are trying to pursue her in court, until she relinquishes her home. All the while, she is living only on social security. read more

I agree with all the other posts on the page. When I spoke to the office of Kream & Kream in regards to there collection efforts they refused to make any sort of settlement arrangement on the balance due. The card they were collecting on had a $750 limit and they wanted $1800. I have dealt with other collection services that were willing to work with you to make it a agreeable settlement. They were rude and pompous on the phone and I was glad we conversed on the phone and not in person because they would've had another case against me. read more

Negative stars - These peope are dept collectors - they are pure evil. Arrogant, rude and nasty. I was passed thru to a "Jon Kream". I never borrowed anything from these people. My uncle was going thru tough times since his wife died. He may have borrowed $700 from a mastercard. Two years ago my uncle was run over by a car. I was then made his guardian by the state. Two years latter Kream & Kream contact me & tell me they are putting a lien on my uncle's property. To stop this they want $1200. $500 was added in fees while he was in a coma! They will not negotiate. Period. Despite the fact that my uncle has no assets at all except for his property (small condo). He even has a mortgage on that property that is worth close to the value of it. Kream & Kream just wants to screw up the future transfer of this property to the nursing home where my uncle resides. Nasty people - I pitty you if you must deal with them. read more

Negative stars....BEWARE of this company! I agree with the above statements regarding their lack of professionalism when it comes to collecting a debt. Now, we all know it's rare to find a debt collector with a heart of gold, but Kream and Kream take their advances to the next level. I am not even the debt holder, it's my husband's debt from years prior to our marriage. Kream and Kreme called me and threatened to take my home, car and any assets that I had to my name while using profanities and sarcasm. They tried to make me feel stupid when I asked questions. Who do these people think they are and do they really think the intimidation factor is going to work on everyone?? We also received a notice from our local courthouse stating that we failed to appear for our court date, that we were NEVER notified of!! This is because they use this tricky little tactic in hopes that you will not show, lose by default and never fight them on it. We are currently working on a law suit for the mere reason that they discuss private matters with people outside of the debt pursuance and harass their clientele. If you ask me, these guys need to grow up and go back to school so they can learn how to do law properly....... read more