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Just today a person who is calling himself Sam Johnson offered me a loan but wanted $ 185 dollars first. He keeps on blowing my phone up. Here’s the number for this person and they do not know that i know they are up to. The number is 1-347-408-0091. Get these people arrested before they rob more people who are gullible.
Hello I just recently about a week ago I started receiving a call from a collection agency TRADEMARK MANAGEMENT SOLUTIONS in relation to a payday loan that I have to pay on and YES I know that i have a bill but there are tats are freakin nuts … is what was on my answer service … This message is for XX. My name is Theresa Coleman. I’m calling about fax order that I received in my office today in relation to some bad checks you’ve written. You have a chance to contact the complainant and resolve this matter before further action is taken. The complainant may be reached at their corporate office number 877-285-3841and you can refer to your case number ###. XX you have officially been notified. ”
“People this stuff is a SCAM they CAN NOT arrest you for having a faulty payday loan. They first have to take you to court and they CAN NOT contact you by phone to inform you of it. You have to be served from the court house stating when and where the court is and who is being taken to court by and for what reasons. ”
You do your best to ask as many questions as you can of the research and of the researchers themselves. You ask where the data comes from, whether it means really what they say it means, and you ask them to explain why they might be wrong, or compromised. You make the best judgment you can, and then you move forward and try to figure out how the research really matters. Because the whole idea of ​​the research, is likely to help solve some big problem.
This is a standard procedure when dealing with any debt collector and by law, the collector must comply with this request. If they refuse, they are breaking the law under the Fair Debt Collection Practices Act and have no right to continue to try to collect. In fact, under the Fair Debt Collection Practices Act, if a collector contacts you by phone they have 5 days in which to send you formal written notice that you owe the debt. The notice must include the amount of the debt, the name of the creditor, and your right to dispute the debt, in writing, within 30 days of receipt of the notice.
He does not want direct bank transfer and does not want money orders as both will leave paper trails right to him. He just wants us to get a pre-paid debit card from the store and put the money on it.
Since the very beginning of our interactions with Mrs. Shank’s practice, the whole staff has made it intimidating and uncomfortable experience, as smoothly as possible for us. From our initial consultation with Dallas Anderson, to our many correspondence, via both phone and email, … Read More
This has all the hallmarks of the payday loan collection scam that’s happening all over the country. I am quite confident you will not be served with any kind of papers. Even if they could sue you, they could not suspend your license! (As you say, what is the license?)
Same thing happened to me the same name and number on my phone. The number to get in touch with Ms. Ingram is 1-877- 258- 1188. When asked the name of this company they refused to give information and hung up. Names used are Ms. Barry, Ms. Ingram, and today Ms. Rios. They are threatening me with wage garnishment etc. They refused to give the name of and original debtor. I have no recollection of oweing. Need to know who to call to stop this.
(715)629-1149 just got a call from this number.telling me charges had.been had to be able to verify my address so I could receive these sealed documents. I did not give out any of my info he already did not have. I almost gave out my info but thnxs to.this informative website I knew
The one who called me was American legal services .. I have never been to jail in my life Thank God I called a lawyer first .. Should I know when they were avoiding my request for detailed info.
I just had my first run with one of these “companies.” I immediately knew that it was gibberish but decided to play along. They were immediately taken by the fact I have a British accent but continue their charade. I initially spoke with a woman and the number was 0000. Typically I do not pick up these strange numbers as I assume it’s some sort of scam but I had a itch. She picked up said something and immediately handed the phone over to another counterpart. He of course made claims to a loan I took out in 2008, I believe. Along with fraud check and two other false claims. I immediately said that I was only 16 than though he continued the pressure. Statements of we sent you multiple EMAILS, you’ll receive a summon, etc. After he continued to talk about me I said in a very naive way “He said in his absurdly thick accent” of course. “I than yelled” you such a person I I was a student of law and the likeliness of convincing me of any truth was impossible. “He continued to press me and I slyly said a remark in Spanish than hung up. The fact that I was 16 in said year and British alone should have made him end the call, very foolish tactic. They called me BACK RIGHT AFTER AS WELL. I can also complain of the heavy background noise, completely spineless people praying on Americans suffering through enough of a crisis as is. If I receive another call I will take some of these actions to try and help in ceasing this callous behavior.
MANN: The data really suggests that there is a relatively small group of borrowers, in the range of 10 to 15 percent, who have been extremely heavy users, whose predictions are really bad. And I think that group of people seems to fundamentally not understand their financial situation.
We also have received several calls. We had applied months back for a payday loan. When we called us back to confirm they were only willing to give us half of what we needed so we told them we were not taking it. Now months later we are getting phones, with the number coming up unknown or as 00000. The guy claims his name is John Frederick. He claims he is from the George Washington Associates and that unless my boyfriend calls him back they will have to take him to court. Repeatdly asks for our attorney’s information. We’ve told him we do not have one and he tells us we get better or pay the debt. My boyfriend works out of town during the week, so the first time I got this call I said this and asked for the name of the company that they are persuading the debt for. He will tell me that he can not give me that information. But when my boyfriend calls them back they will not answer his calls. Today I told him that he had all our other information, so if the debt is real send it to us in paper work, and to stop calling because we have already notified the authorities. I then told him to have a nice day and to F *** off. When he leaves the message on our machine they are always ending “If we do not hear from you all I can do is wish you the best of luck like this badly unfolds on you.” How do we stop these when there is no number ? Its really annoying.
couple months ago stating that I had taken out a loan in Aug of 2012. They said they had papers for me and that I had to pay right away to avoid legal action. They gave me the bank account number and checking account number that the money was deposited in, had my social security number and knew where
The payday industry, and some political allies, argue that the CFPB is trying to deny credit to people who really need it. Now, it’s not surprising you that the payday industry does not want this kind of government regulation. Nor should it surprise you that a government agency called the Consumer Financial Protection Bureau is trying to regulate an industry like the payday industry.
I was called yesterday and the call said that my payday loan was in default. If I did not pay the amount they would send me to court. Can i go to jail !? They kept using the term “financial fraud” which freaked me out! I did not pay the amount yesterday so they said I would get served today. What’s going to happen? Can I get I jail for this !?
he was not allowed to do that since I was at a negative I told him it would go thru, so I told him I would give him my daughters debit card number she had the money and she said it was to be under my name so he told me to get a cash pak (green dot) and call him back with the number on the back. I did that and have to pay another 200 on the 16th and then the other 200.00 next month because he took 300.00 off the original price I owed. I paid the $ 100 because I was scared and did not want my husband to go to jail but I told him I wanted paperwork sent to me and he said he would send it when it was paid off but he would send me a redirect to my email and I have not got it yet. I wish I knew he was really with the Federal Crime Dept like he said he is or if he is a fraud. Cause I do not want to give him anymore but I do not want my husband to go to jail. I know we got a loan thru them but it was supposed to come out of our acct everydayday but he said they tried and it was not taken out due to insufficient funds but I can not remember wheather it was paid off or not. Does anyone know a site I can look under to see if this is fraud? Please HELP
People this stuff is a SCAM they CAN NOT arrest you for having a faulty payday loan. They first have to take you to court and they CAN NOT contact you by phone to inform you of it. You have to be served from the court of the court and where the court is and who is being taken to court for and for what reasons.
ERVIN BANKS: I do not see anything wrong with them. I had some back bills I had to pay off. So it did not take me too long to pay it back – about three months, something like that. They are beautiful people.
Except to the extent of the federal Truth-In-Lending Act considers your ACH authorization “security” for the deferred deposit transaction, we take no collateral to secure the transaction. For example, we do not take a security interest in any real estate or personal property item.
MANN: If your first is that none of the people using this product would do it if they really understood what was going on – well, that just does not seem to

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I recently been scammed by a company called Brinkmen Alliance Group threatening that I do not pay them I’m going to get papers at my employer and home and that will have to appear in court and that my 2 cases against me are pending litigation. They are also a third party who is trying to collect a debt for a creditor that is not my original creditor (they state both the original and current creditors on the statement they emailed me) that is a bogus company. They are trying to collect a debt from me for a payday loan that I did not pay from 2005. Statute of limitations for debt collections in PA is 4 years for promissory notes. Brinkmen’s contact info is:
Yes .. I’m getting the same calls as you and from the same guy .. Timothy and yes, he said he’s calling from ADR .. and today I got a call from Tom Hayden who did not identify the company he was he .. he said he received a fax in his office and I had one chance to clear it up by calling 877 548-4064 .. he said I have charges pending against me and would be served. He did not leave a number he could be reached at only ADR’s number. When I called the lady said that I had a loan PD and that I had to pay it right then over the phone by credit card or debit card or give them a member of the credit card etc .. otherwise I was going to be served and would have to go to court and possibly be jailed for check fraud. She then put her “boss” on the phone who named her Gregory Scott and said she would do me a favor and reduce the amount owed by 200.00 which is what she was going to pay the server to come and serve me papers but Only if I can secure him with a debit card or credit card. I asked him where he thought I could get one and he said ACE cash express .. I told him I did not have a credit card nor did I have a pre-paid debit card .. I asked him for the information in writing so I could verify that they were legit and he hung up on me. Seriously, maybe we should do something about this ADR company .. they called my cousin and I never used my cousin as ANYTHING reference and they threatened him (this time when he just lost his sister to cancer) and they told him he needed to secure my debt.
This morning I received a call, and my father did as well, from 716-244-6551. I was given a number ID. I do not answer unknown numbers. I call back after hearing a voice mail. My dad told me that they issued a warrant for my arrest in Bexar County. I called them back because the voicemail they left was basically stating the same thing.
he wanted me to give him a credit card number so they could with a draw 500.00 dollar payments until it was paid off. now can they realy take action to be able to appear in court along with a warranty
I got a call today from a GA number, 404-996-1953, I was told that an arrest warrant was going to be out at at 5 pm today If I did not make a payment of 300.00 for a loan I did not receive , but bc I applied and cancelled and changed my bank acct information I was going to be held for check fraud, I explained that I never received the loan and she explained that I did not read the fine print that said that by applying for this loan I agreed to pay
Just to be clear, these are not collectors trying to collect legitimate debts. Most of the complaints on our forums, and to the AG AG include consumers who have never taken a payday loan, or who may have initiated one but never actually secured the loan. In some cases, the “collector” has detailed information about the victim – such as name, address and social security number – which makes the debt appear to be real.
This guys have called me twice so far, at work. His name was “David Jones” and he was from my local sherriff department, the last time. I did not fall for it, so should I still report it? The first time they said I have been charged against me, they know the last 4 of my social. He asked for my attorneys information. He asked if I had ever been convicted of fraud before. He yelled at me and told me not to interrupt him or he would not be able to help me. He asked if he should send law enforcement to pick me up and I told him to do what he needed to do.
I have to warn you that even some of the attorneys I know who regularly sue debt collectors who break the law will not touch the cases that involve payday loans. Even if they are successful defending the client, they tell me, they can not collect. This may not be the case with all collectors, but I have to warn you that you can be dealing with very aggressive collection agencies here.
Paul – I know it’s not easy, but stop stressing. These guys are sitting in some of the country’s most popular people as they can. They can not hurt you. So understand that and do not let them scare you.
I was contacted a month ago from a company stating I had 2 pending charges through the state. I called them. It was for a payday loan through CashNet in 2009. They had a check number and my bank account info so I figured it was legit as at the time I took out those types of loans. They also told me they sent me a letter to the address I previously lived at and threatened to issue a warrant for my arrest. Of course it scared the crap out of me, so my husband paid this. I got a confirmation number, but as of yet, no paper work. YEsterday I received another call and voicemail. I checked it today and it was the same thing form a different company. Thankfully I wrote down all the information from the one company I did pay. I called this number and the lady started giving me the exact same thing the other company did. But with a different date the loan was taken out. I said it was for cashnet in the amount of $$$. she agreed. I said I paid this, I have a confirmation number, phone number and name of whom I dealt with. I looked in my husbands check register so now I have the date and company that pulled the money. Her reply was “I will speak to my attorney and if he has any questions he will call you.”
CA residents: CNU OF CALIFORNIA, LLC d
You are doing all the right things, and it sounds like the calls you are receiving are not legitimate. Please do not give these companies any account numbers (credit card, debit or any other financial account). We’ve written about these scams before. This post may be useful (or reassuring) to you:
Let me introduce myself. I am Senior Affidavit Processor Officer Alicia Fields from State Investigation Department. We have been trying to reach you since a couple of days about a serious matter about a lawsuit filed on your name that you are doing some fraud and criminal activities.
, unless you have to show up and prove it.
The debt collector must send you a written verification of the debt, and is not allowed under federal law to discuss your debt with others. This leads me to believe it is not legitimate. You might want to think about telling her that you will be recording her calls to turn them over to law enforcement, and report these calls to Fraud.org.

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my fiancé has been getting phone calls from someone saying he is an official mike Johnson from 810-223-0563 said he got a loan for $ 300 over the internet but he did not. he applied for some loans but because his credit is bad and no bank account he could not get one. this guy says he got one but he told us where he was from and like most of you he had his name ss # where he works and is threating to have him arrested. We talked to a cop who said that if we had applied for a loan even over the internet they would have mailed out paperwork anyway with PAYMENT OPTIONS and how long you had to pay it back we got nothing and the pretend cop will not give us the It’s a good idea that we have a lot of money, but we have no money for it. what do you do when they keep threatening you and you have no idea what they are talking about.
You are not guilty of the lawsuit related to return return items if you default on this transaction. Consequently, we may not use or threaten to use criminal proceedings (e.g., criminal return item laws) to collect a defaulted transaction.
The decline of marriage is on us. But, at least, that’s what the zeitgeist would have
DUBNER: Well, here’s what it looks like, at least, the puzzle, which is that repeat rollovers – which represents a relatively small number of the borrowers and are a problem for those borrowers – but it sounds like though those repeat rollovers are the source of a lot of the lender’s profits. So, if you were to eliminate the big problem from the consumer’s side, would not that remove the profit from the lender’s side, maybe kill the industry?
I’ve been receiving phone calls from a person who claims to be an investigator and tells me there are charges pending against me for a payday loan from 2009. He gave me the name of a collection agency (Global) that I called and they told me the same thing I really took out a payday loan in 2009 from this “money and more” online company. The loan was repaid and I even faxed copies of the bank statements showing this back in 2009. They say the copies of these statements are not in my file. And this “INVESTIGATOR” well his phone does not accept incoming calls, and he wants me to give him my address to send me sealed documents! I did not give any of my information as I see it, if he found out my cell phone number, then he can find out my address. This man was very rude, very aggressive and very threatening. He continues to call my phone 4 & 5 times a day. I do not know how to get rid of these people. This man, I do not know his name or who he wors for, he gave me no information, only that there were charges against me and my state “bad check writing laws” would be against me as well, pending criminal charges … ..I which often have internet access … but i get my e-mail on my phone, so if anyone would like to e-mail me with helpful information it would be much appreciated. Thank You
We understand how crucial it is to get the money you need, fast. You can receive an immediate decision on your application and get money to your bank account as soon as the next business day.
Jessica – It sure sounds like a scam to me. Unfortunately you’re not going to get the money you paid back but hopefully you can stop further withdrawals. To be safe, talk with your bank, explain what happened and find out if you need to take other steps to protect yourself. Now that you’ve paid something they will probably be relentless in their efforts to get more money from you. I recommend you also read my article, 7 Ways to Stop Overseas Debt Collection Scam Calls.
Edit: I’ve seen that the original debt is “real debt,” and while the original debt may be real, even if you’ve paid in full and can prove it, it gets resold over and over. Check out John Oliver’s story. His show is investigated and these are small-time debt collectors depending on fooling people in paying to avoid legal action that rarely, if ever, happens. He bought $ 14 million in medical debt for $ 60k and erased it for thousands of people being harassed for debts that had been paid.
You should not be frightened by email threats with online payday loans. They are almost certainly scams. Legitimate debt collectors know that under federal law they must send written notification of the debt. Do not engage with these folks and feel free to report them to the Internet Crime Complaint Center. Please read: 9 Signs You Are Talking to Debt Collection Scammer
I thought it was his first name that he was a process server and that ii was being prosecuted for fraud on a payday loan this person also called my family members and told them the same thing she said she was calling from ACS litigation i called and gave the I did not know what to do, but I did not have to say that they would like to have me. They also said when they tried to get paid the bank account was close and they said this was back in 2007 the number they used is 866-574-8858 they also said they would prosecute does anyone anything or can help me
they got my work phone # through my company cell phone. He (the law enforcement official) as he represented himself would not give his company info or address. When I asked for written verification, he refused and said the police were on the way to get me. He had a similar conversation with my boss the night before. He did have my bank information, at least the name of my bank. I had already called the FTC and started a case, when I gave the reference number and the investigators name, he said the cops should be there any minute and hung up on me. He then tried to call my work again and hung up while being on hold. I am a criminal justice major and I have to say that it shook me up. I called my financial institution and really I am in good standing, transferred my debit money to savings, cancelled my debit card, and called the trans-union to flag my social for fraud. The charge as I got him to admit was writing bad checks on my debit account, really ???! I do not know if I will receive any further calls since I throw down the trumpet of the FTC, start a case, get a reference #. Can I ask for help from local law enforcement? Their call back # gets to them.
Has anyone got a call from statewide adr they keep calling my work and my dad house say they want to give me papers. Is this company for real or not i do not find anything on them. And i dont want to lose my job. Please help
DURBAN, South Africa – Ronald Louw was a human-lawyer lawyer and professor at the University of KwaZulu-Natal, the South African province, which is one of the most affected areas of the world, so he must have known about the dangers of the virus. In April 2005, he was taking care of his mother, who had been diagnosed with cancer, when he realized he had a cough that would not go away. He went to a doctor who treated him with antibiotics.
Tricia – You can ask the “firm” for proof of the debt. By law, the company must provide this to you. The firm can not serve you. Understanding Your Debt Collection Rights. Scammers sometimes get their money by frightening people; try to stay calm, and do not be intimidated in paying money you do not have to.
you took out these loans now you people dont want to pay them back and eveyone wonders why the economy is the way it’s a cause of people like you get off ur a ** and get a job and start paying back your debt
I got a call today from some lady named ms jones nichole
DIANE STANDAERT: From the data we’ve seen, payday loans are disproportionately concentrated in African-American and Latino communities, and that African-American and Latino borrowers are disproportionately represented among the borrowing population.
Some other academic research we’ve mentioned today does not recognize the role of CCRF in providing industry data – like Jonathan Zinman’s paper which showed that people suffered from the disappearance of payday-loan shops in Oregon. Here’s what Zinman writes in an author’s note: “Thanks to the Consumer Credit Research Foundation (CCRF) for providing home survey data. CCRF is a non-profit organization, funded by payday lenders, with the mission of funding objective research. CCRF did not exercise any editorial control over this paper. ”
I’m really scared. We got this phone call from this legal processing center accusing us the 2 charges with the state and both of them are felonies according to anyone who said on the phone. That we will be thrown to jail for 85 months if we do not take care of the money … It was for a check 570 and now all the fees added up to 970 and how our case was turned to the state that is why they they call us … that they can issue a warrant for arrest if we do not care of the money …
I made the stupid mistake, and because I was unemployed, but go back to work. I took out loans but started a new job, so I was not worried about paying them back. Well I lost my job and was unable. I’m looking for work, but I’m now getting calls from people other than I borrowed from. (capitol solutions) They are a scam from what I read. They threaten to have my paperwork sent to the court house, come to my house
I just had this happen and
The Consumer Financial Protection Bureau does not have the power to ban payday lending outright, or to set a nationwide interest-rate cap, but it can act to prevent deemed “unfair, abusive, or deceptive” practices. In March 2015, it announced that it was considered a set of rules for most small-dollar loans (up to $ 500) that consumers are required to repay within 45 days. The goal is to put an end to payday-lending debt traps.
First, Mann wanted to gauge borrowers’ expectations – how long they thought it would take them to pay back a payday loan. So he created a survey that was given out to borrowers in a few dozen payday loan shops across five states.
consumers, is going too far. Under the plan it is now considering, lenders would have to make sure that borrowers can repay their loans and cover other living expenses without extensive defaults or reborrowing. These actions would really seem to curtail the possibility of people falling into debt traps with payday lenders. But the industry argues that the rules would be put out of business. And while a self-serving howl of pain is precisely what you would expect from any industry under government fire, this appears, based on the business model, to be true-not only would the regulations eliminate the very loans from which the industry makes its money, but they would also introduce significant new underwriting costs on every loan.
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And yet it is surprisingly difficult to condemn the business wholesale. Emergency credit can be a lifeline, after all. And while stories about the payday-lending industry’s individual victims are horrible, the research on its effect at a more macro level is limited and very ambiguous. One study shows that payday lending makes local communities more resilient; another says it increases personal bankruptcies; and so on.
wow. That’s disgusting, especially towards your daughter. I’d have told them “odd, I’ve already talked to my county sheriff about this, so PLEASE some over here because he really wants to meet you too! Oh, all of this is recorded and will be given to my Sheriff this afternoon while we’re sitting around waiting
I received a call yesterday from a law office stating that they were going to have me arrested for fraud and theft for not paying a payday loan. They said that it had been over 21 days since I made a payment and that if I wanted to go out of court that all I needed to do was put $ 385 on a green dot moneypak card by today. I have taken out two payday loans just recently and just had my first payment due on Friday which I paid. The number that they are calling from is 401-648-7325 by Lisa Green. She also said that the money had been deposited in my account and when they tried to pay out they were not able to. They also did not give me information on when the deposit took place and what company the payday loan was through. This sounds like a lot of the other posts that I have read but I do not want to take the chance of being arrested … what do I do ??
Cash Advance® has no control or knowledge of the loan details between you and your lender. If you are offered with a loan, you will have the option to review the terms of the loan, which you may approve or decline.
DeYOUNG: Well, in a short sentence that’s very scientific I would start by saying, “Let’s not throw the baby out with the bathwater.” The question comes down to how we identify the water here and how do we identify the baby here. One way is to collect a lot of information, as the CFPB suggests, about the creditworthiness of the borrower. But that brings up production cost of payday loans and will probably put the industry out of business. But I think we can all agree that once someone pays a fee in an aggregate amount equal to the amount that was originally borrowed, that’s pretty clear that there’s a problem there.
You are correct that you are required to give you the proof of the debt. Do you have a physical address for them? If so, you can write a letter and send it registered mail asking for written proof of the debt. If you are being taken to court, you will receive a “summary and complaint” by postal mail or delivered in person. It is a formal court document, not an email.
“My French identity is reinforced by the very large number of people who openly declare, often with violence, their hostility to French values ​​and culture,” he said. “I live in a strange place. There are so much guilt and so much worry. “We were sitting at a table in his apartment near the Luxembourg Gardens. I had come to discuss with him the precarious future of French Jewry, but as the hunt for the Charlie Hebdo killers seemed to be reaching its conclusion, we had been fixed on the television.
Advance America follows all applicable federal and state laws, and the ability to have multiple loans depends on the state regulations. Please keep in mind that having more than one loan out at the same time could make it more difficult to repay your loans.
of course, I got VERY upset! The thought of being locked up from my husband and our kids scared the hot piss outta me! So I went ahead and gave them my pre-paid debit card info and told them that we would try to pay when our money came in and then we wanted to know when we filed. then he put me on to call their client and when he returned to the phone he said we need $ 25 on 2

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Ok this is the second call I got the first one my sister in law answered and she was given a woman’s name and a phone number and case number …. Well just a couple of days ago they left a message that guy calledly named Peter Hersh said to call this number 1-866-583-6379 and left the name of ADR Firm and that it was my last chance to contact them before I got served but he said that the state of California was suing me … .Hmmm this did scare me because I did not know why would the state be suing me? Well I’m glad I googled and this came up. It sucks this happening to us. I just like to know what we can do? Is there somewhere we can report this to?
In a perfect world, you will be able to get a quick cash advance on your paycheck to pay the bill. Then when your next payday rolls around you would pay the cash advance back. Fortunately, you can do that with an online cash advance from Check ‘n Go. †
• Do not let one of these companies scare you into making payments if you’re not sure you owe the debt. In most cases, collectors must first take you to court and get a judgment before they can go after your pay or property. (If you live in Minnesota, however, read this warning.)
Cost of a payday loan. Many state laws set a maximum amount for payday loan fees ranging from $ 10 to $ 30 for every $ 100 borrowed. A typical two-week payday loan with $ 15 per $ 100 fee equates to an annual percentage rate (APR) of about 400 percent. By comparison, APRs on credit cards can range from about 12 percent to about 30 percent. In many states that allow payday lending, the cost of the loan, fees, and the maximum loan amount are capped.
I would recommend you report this to the CFPB and the FTC. Give them as much information as you have about the caller. Next time they call, tell them at the outset you will be recording the call to turn over to law enforcement. Hopefully then they will realize they’re not going to get anything from you and move on.
people had the same story about these people. So I called them back and I asked them to give me the address of their business location and he gave me 1001 State stree, more than 1400, Erie Pa. I googled this address and found out that this address belongs to Moody Law Offices 814-464-9464. I called Moody Law Office and asked them they were affiliated with Law firm Anthony H Rodriguez and they said they did not hear of them and they were not affiliated with them. I called Anthony H Rodriguez back and confronted them about this, and he started cursing and they hung up on me. I’m so happy I did not give them any money.
My husband and I filed bankruptcy due to unforeseen circumstances and we had an outstanding payday loan. My attorney explained to us that a payday loan is treated as an unsecured debt and would file the papers and there was no need to worry about this because it would be included in the bankruptcy as unsecured. Needless to say I got a very dangerous call from a company called US Capital Management (855) 596-0411. They said they represented MYMONEYCHEST.com and they would see us in court for a balance. I asked the woman to contact my attorney and they said they could not because they are just the middle man in this. I told her if there is a balance and we are currently in a bankruptcy, there should be no reason they could not reach out to our attorney. I called my attorney and he said to have them call him. They will not! They told me that they were going to serve me papers at my job. Is this possible? Can they do that? I can not get them to give me any paperwork about this balance owed.
I called back and a man answered and said that the debt was a payday loan that is more than two years old. I sent a stop and desist letter to the payday loan company back then, and even then they would not leave me alone. I had to contact the California State Department of Corporations and the state attorney general’s
ERVIN BANKS: I do not see anything wrong with them. I had some back bills I had to pay off. So it did not take me too long to pay it back – about three months, something like that. They are beautiful people.

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We had never heard of this happening until we got a call today from 410-843-2822. They had left a message with my fiance and when I returned the calll they first said “hello”, which struck me as strange, since this was supposedly a law office. When I asked for the name of the company he kept trying to verify info. When Chad (my fiance) got on the phone they started telling him that he should answer q’s carefully as they could be used against him in court. They said that the case would be ‘downloaded’ with the courts – what kind of lawyer says that? We had applied for several loans, and had only accepted one – what we were paying back. The amount they said we owed we had never been quoted. The other strange thing is that although they both had very strong indian accents, they used very unlikely names – the supervisor said his name was Jack O’Connor. ?? ?? DO NOT FALL FOR THIS !!!! We told them to send us something in the mail and not to call again.
You may want to contact the IRS about the status of your tax return. I’m unaware as to why an outside company would be holding it or having access to it. (unless you have a judgment
poor reviews. This Marsha has told me that I’m being sued for nonpayment and that they need to be contacted by my lawyer and today wanted to know if I was going to defend myself or what. she says my account number is 14918-1219 also that my conscience would be suspended for 120 days WHAT LIC. and when I asked was given a list of possible lic that could be suspended including my drivers lic.
I also received a call from this fraud investigator but he named her morgan and she worked for the commonwealth of pa. Yeah right. He also said my debt was from 2008 from money and more and threatened me with 5 or 6 bogus charges. But what did you think I was looking for? My name was bc he knew unfortunately I have a misdemeanor record and tried to use that against me from when I was 18. These people really scare you into thinking you owe. The first time he called I got a payment about a year ago. Different person had called. It was a prepaid card thank God not my bank that I do not have the bank acct they reference anymore. I also live in pa and when I told him I knew it was a scam He said he could not wait to see me prosecuted. Nolegit company would talk like this. And the statute of limitation on debt is 4 years in fraud 2years my supposed loan was in 2008. As well as you tell them you know it’s a scam they flip. He told me I was gonna need a good attorney etc. If such charges were to be brought against someone I’m sure they would not wait 5 years. Still scared you when they call because you see what they are threatening to do to people. Do not understand how this happens to so many.
MANN: And if you went to the counter and asked for a loan, they would hand you this sheet of paper and say, “If you’ll fill out this survey for us, we’ll give you $ 15 to $ 25, “I forget what one was. And then I get the surveys sent to me and I can look at them.
FULMER: We have to wait for the final proposal rules to come out. But where they appear to go is down a path that would simply eliminate a product instead of reforming the industry or better regulating the industry.
I would recommend you report this to the CFPB and the FTC. Give them as much information as you have about the caller. Next time they call, tell them at the outset you will be recording the call to turn over to law enforcement. Hopefully then they will realize they’re not going to get anything from you and move on.
Paulette – Do not let them scare you. Remember if this is the debt collection scam (and it sounds like it is) then just
I did, however, take out a payday loan from a company named Cash Web, who promptly sold my info to a company called Hydra Loans. Perfect name as they had dozens of other such businesses. They put money in my account, though I never saw a contract or signed a thing; not even a phone call I paid them back the principle immediately but they still tried to get money out of my account (not even on paydays though they claim I applied for the loan and spoke to someone on the phone to set it up). I had to close my account and open a new one to stop them. Now, years later I’ll get these calls or letters, but nothing will ever happen. I ignore them, but if I had the time and money, I would love to get them I to court.
Cost of a payday loan. Many state laws set a maximum amount for payday loan fees ranging from $ 10 to $ 30 for every $ 100 borrowed. A typical two-week payday loan with $ 15 per $ 100 fee equates to an annual percentage rate (APR) of about 400 percent. By comparison, APRs on credit cards can range from about 12 percent to about 30 percent. In many states that allow payday lending, the cost of the loan, fees, and the maximum loan amount are capped.
My mom is going through this right now. These people are called Empire State Arbitration. They gave him the name of a bank-First Federal Bank of Delaware. They would not give her the phone number of the address. We asked for a file number or dovket number and she would not give me any information on the company I supposedly owe to. I called her and asked her to fax me all the papers she had on the file. She said she could not do that I said I have a right to see all the paperwork for a debt I owed. She was very rude and even hung up on me … I’ve talked to a few legitimate collector’s and even when I was rude they were still very polite..As it turns out my mom already gave them her info to take the payments out … I need help asap! There number is 18444828780
A debt collector is required by law to send you notification of the debt within 5 business days of that initial phone call. Once they do that you are entitled to request verification of the debt. Have you received anything in writing? Did you ask them to send you something in writing? If it turns out you think they are legit then you also want to check out the rules of limitations: Statute of Limitations On Debt Collection by State. Please be careful not to pay a debt you do not have.
I received a call from [redacted] indicating that she had an order to complete about the charges for distribution of fraudulant text related to the social security number and provided she would be serving these documents to me at my home address. address] today and if service could not be made they would contact my employer and inform them that service would take place at their premises. She said if I had any questions or wanted to set an alternative service to contact the complainant’s attorney at [redacted]. I work at an attorney’s office so I brought this to the attention of an attorney in our office. He called the number, and identified himself as my attorney. The gentleman was very rude and said he could not discuss it with him without a letter of recommendation and that when I received the papers I could bring them to the attorney to review. When he said I was present and would like to ask what was about he still refused to give any information and again said to wait for the papers to be served. My attorney asked him if he was familiar with the fair debt practice act and the gentleman said it was not about a debt. I later called him back if he could please let me know what was all about and he again refused because he says I have a counsel, though he previously refused to tell my attorney any information because there was no letter of representation. The man was very rude and hung up on me. I called back and again asked to please be given any information about the issue, he said he could give me information but was choosing not to and again hung up on me. I called back and said it was a policy to not discuss the matter if I am represented by the counsel. I asked if their company [redacted] was the one suing me or someone else and he said it was them. I asked if he could please at least tell me what court was being filed in. After a very exasperated sigh and some computer typing, he said it was being filed in [county I lived in 8 years ago] through the office of [provided the name of prosecuting attorney for that office]. I then called that prosecuting attorney’s office and let them know about the call and asked if they had any cases with my name, which they did not have and suggested that maybe it was a civil case. I then called the circuit clerk’s office and again told them the situation and asked if anything had been filed with my name and they had nothing. After bringing this information back to my attorney he said it was very likely to scam and to inform the Attorney General’s office. I called and gave the Attorney General’s office all the information and was again told that it was very likely a scam. I suppose we will see if I have anything to do in the next few days …
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It’s been gettng calls from a guy who calls hisself jack but is clear from overseas because I can barely understand anything he says. he has gone so far as to call my job ann tell my boss that the company i work for is goin to be held liable for this debt oh yea this guy is supposedly with a law firm. my boss told them last week if they called back i would be terminaed they would not get any money from me .this did not phase him so tuesday he called back they told him the samething so he called my cell phone wantedin me to verify my I did not have a lot of cursed him out with a few racial friends hang up.so then I got a call from another guy clearly not american tellin he was the sheriff of my county they were coming to my work I have been told to serve on my request I gave him one 4 states away so he says do not u speak to? lmbo i said who said the sherriff of my county i just had to ask what county that would be and i was givin some word ive never heard. so after a day of theatrical injury to the loss of my job and 3 felony charges for supposedly getting money from payday usa i am waiting for my sheriff to return my call so i can tell him of this thing impersonate an officer. i work hard for my money and noone is going to harass me like this i’m not stupid so my advice to the scammers scam you own country come here tryin to steal from us hard workin honest folks. and did i mention this trash called my moms and told my 12yr old girl to suck her d ** k !!!! these ppl need to be stopped b4 they meet the end of my shotgun !!
That makes plenty of sense in theory. Payday lending in its most unfettered form seems to be ideal for neither consumers nor lenders. As Luigi Zingales, professor at the University of Chicago, told a group of finance professionals in a speech speech last year, “The effective outcome can not be achieved without mandatory regulation.” One controversy is whether the office, in its zeal to protect
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So, the payday business model is not like pawn shop, where you surrender your valuable possessions to raise cash. To get a payday loan, you need to have a job and a bank account. According to Pew survey data, some 12 million Americans – roughly 1 in 20 adults – take out a payday loan in a given year. They tend to be relatively young and earn less than $ 40,000; they tend to not have a four-year college degree; and while the most common borrower is a white female, the rate of borrowing is the highest among the minorities.
It’s a good idea to call first and confirm what you will need. Our friendly associates will be happy to help!
DEYOUNG: This is why price caps are a bad idea. Because if the solution was implemented as I suggest and, in fact, payday lenders lost some of their most profitable customers – because now we’re not getting that fee the 6th and 7th time from them – then the price would have to go up. And we would not let the market determine whether or not at that high price we still have the need to use the product.
In a high-education system that is often divided between two and four-year colleges and further segregated between elite and nonelite institutions, it’s not often that a college college is mentioned in the same breath as the Ivy League campus. Nor is a two-year college as a training ground for jobs in the so-called creative economy, which includes industries such as design, fashion, and computer gaming that typically require bachelor degrees.
I was contacted by these people
Hello I hope someone can help me please. I received A call from a guy saying he’s from Empire Mediation & Arbitration Service LLC. That they are taking me to court for defaulting on a payday loan with check n go. That I’m going to face a judge and there’s asking 2815 but if I pay today they’re willing to settle for 412.50. Originally my loan was 255.00. witch I got in 2008. I told them to send me a validation debut letter he said I can email you a settlement letter that they supposedly sent me a while ago. They had my old address But I never got anything because my mom lives there. So there is a saying that I’m going to get served with court papers and I have to face a judge also they want 2,815.00 for fees. Does this sound right please help. I called check n go they said they sold my case in 2009 and they have nothing to do with my case no more and that they are not suing me But they do not know who else has my case since the company they sell it too went out of business. Please help I must pay the 412.50. I do not work or have the money sine I take acre of my daughter who had cancer. Thank you
I do not know what to do with my phone. I’m sorry, I do not know what to do. How did this person get my phone number I called the 877 number and this, guy said I had a case for fraud with cash net and that I had to make arrangements or there would be a sheriff at my house within 45 minutes to summon me for the debt obviously i freaked out i did not want to go to jail they had my social address all of my information so i made arrangements with them i would like to know i was scammed? Please help I’m about to go in the Navy I do not need any problems with the law!
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Thank you, I’m not sure the investigator called the house number and when I called the agency that is statewide mediation they said I should not see why a sheriff would come to my house over a debt owed
We had a call from Marshall & Fields law office in California, they said, demanding attorney info on an old loan back to 2009 from paydayone, well that has been paid for, then they wanted info, then they called my brother as he was listed I’m sorry, they gave me a number to call back to 740-364-0537 ,, they guy couldnt speak any english but ask the info he asked well i hang up and wait for the next call ,, I hope he understands english as he is going to get an earfull
Jessica – It sure sounds like a scam to me. Unfortunately you’re not going to get the money you paid back but hopefully you can stop further withdrawals. To be safe, talk with your bank, explain what happened and find out if you need to take other steps to protect yourself. Now that you’ve paid something they will probably be relentless in their efforts to get more money from you. I recommend you also read my article, 7 Ways to Stop Overseas Debt Collection Scam Calls.

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I was contacted by the same company and paid. Did not receive a receipt either. Then I contacted the company they said I supposedly owed the money to. The payday loan company looked up my info and said I had never had a loan with them and advised me to call my bank. My Bank is now going after PDLR group for fraud.
I was contacted by someone at my work number saying they are from Quick Cash who bought a debt from Cash Call saying they are coming to my work in an hour. I asked for their phone number and they would not give it to me. Just that if I did not pay over $ 1,000 today, they were coming to my work. They would not give me any information. Sounded like a call center. They said they had a case against me in the county where I live. Well, I work for a firm firm and look up online to see, there are no cases against me. How do I get them to stop when I have no phone number or information? Thank you!
I got a call from advanced capitol solutions for a defaulted loan i had in 2008 from another company. i googled their number 877-845-5988 and got allot of fraud comments and i cant verify they bought the debt from e corp. I send them an email to send me evidence that my attorney can try to verify. they said they can come after me for check fraud, which fake collectors always do to scare you out of some money. have not given them any acct info and now do you know what they know, anybody know of this company history?
Counselors and Lawyers with Nationwide business operations. They called me multiple times alleging that my mother owed a $ 2,000 debt for writing bad checks. They said that the party wanted to prosecute and provided a fake address and social security number that was supposedly my mother’s. They did not provide any website, no bar number and
in 1916 under the supervision of Arthur Ham, the first director of the Russell Sage Foundation’s Department of Remedial Loans. Ham recognized a key truth about small, short-term loans: They are expensive for lenders to make. His model law tried to promote short-term legal lending by capping rates at a high level of level-states determined their own ceilings, typically ranging from 36 to 42 percent per year-to enable lenders to turn a profit. This was very controversial, but many Americans still could not secure loans at that rate; their risk of default was deemed too great. Some of them eventually turned to the mob, which grew strong during the Prohibition.
And this does not make sense: “They had a warrant for my arrest and ready to be sent to the sheriffs department in my county.” If they did not have a warrant for your arrest, why would they tell you that other than to try to shake you down for money? It would be smart for you to call your local sheriff’s department, explain what happened and ask them if you can file a police report.
As I opened the CT scan last week to read the next case, I was baffled. The history just read “gun wound.” I have been a radiologist in one of the busiest trauma centers in the United States for 13 years, and have diagnosed thousands of handgun injuries to the brain, lung, liver, spleen, bowel, and other vital organs. I thought that I knew all that I needed to know about gunballs, but the specific pattern of injury on my computer screen was one that I had seen only once before.
After having to close some of my business location, and not knowing what to do with the debt. Erin and her staff came very recommended to me. Erin answered all of my question and went through this very stressful process of bankruptcy. I can not imagine Erin and her staff enough for all the … Read More
When Britain threw out 23 Russian diplomats in response to an assassination attempt on Russian agent Sergei Skripal, Vladimir Putin, the president of Russia and the current bad boy of modern geopolitics, shrugged it off. With the relations between London and Moscow so strained, the embassy did not have all that much to do, anyway. The cost, Putin no doubt felt, was predictable and bearable. Then on Monday, 20 other countries, from Albania to Ukraine, joined in a coordinated expulsion campaign, with the United States accounting for 60 of the Russians sent packing. On Tuesday, NATO announced it would expel seven Russian diplomats in response to the poisoning. Suddenly, the Kremlin is not looking really so comfortable. With the Skripal hit, it looks like Putin may have finally overreached.
There are several things wrong here, but the fact that your mother in law is having long conversations about your debts with the collector that’s calling. This is a violation of the Fair Debt Collection Practices Act. Collectors are not allowed to discuss their reason for calling or sharing details about your debt with anyone other than you (or your spouse). Divorce tends to bring out the worst in some and it sounds like your going to be one of them.
WERTH: It’s hard to say. Actually, we just do not know. But whatever their incentive might be, their FOIA applications have produced what looks like some pretty damning e-mails between CCRF – which, again, receives funding from payday lenders – and academic researchers who have written about payday lending.
I gotten calls from PDLR- IT’S A SCAM! Beware for Miss Berry, Miss Santiago, or Miss Stiles, who all claim to be supervisors! The said my salary is going to be garnished in 2 days, we had a very heated exchange in which Miss Berry started talking about my mother, lol. Then when I insisted on the proof of the debt, how much, and who they are, they told me that I would get an email after the 1st payment is made. Initially I thought it was a legitimate debt & gave my credit card info, but after googling this agency I’ve found it a scam. Called my bank & reported it immediately.
wish I had an answer for you as far as stopping the calls. You may want to find out if your company offers service that screens calls for you. (It requires callers to announce themselves and then choose whether to take the call.) Google voice does this for free. It will allow you to select which calls you can use without announcements and which you have to screen. I use Google voice and like it alot. It can do the trick for you.
This morning I received a call, and my father did as well, from 716-244-6551. I was given a number ID. I do not answer unknown numbers. I call back after hearing a voice mail. My dad told me that they issued a warrant for my arrest in Bexar County. I called them back because the voicemail they left was basically stating the same thing.
then the guy wanted to know why i took the advance out in the first place and why i have not paid on it. he said I was going to get charged with check fraud from across state lines since the company is out of state and when they tried to retrieve the money from my account the money was not there.

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Mr.
DeYOUNG: We need to do more research and try to find out the best ways to regulate rather than the rules that are being pursued now that would eventually shut down the industry. I do not want to come as a advocate of payday lenders. That’s not my position. My position is I want to make sure the users of payday loans who are using them responsibly and who are made better by them do not lose access to this product.
People this stuff is a SCAM they CAN NOT arrest you for having a faulty payday loan. They first have to take you to court and they CAN NOT contact you by phone to inform you of it. You have to be served from the court of the court and where the court is and who is being taken to court for and for what reasons.
Establish the correct entity that should rightfully receive payments on this debt. If you are going to settle on a letter stating the settlement terms. It has to state that on payment of $ x the debt will be deemed as “settled in full.” Then keep that payment proof for life. These C.A. resell your debt later to another C.A. and then it’s the same story collections all over again.
I just wondering have anyone heard of KDE Recovery Services … They called me today about a payday loan and I hung up. The lady called me back and left a very rude message on my voicemail calling me ignorant and if I did not pay she was going to sign this affidavit and have a warrant issued to my job to be arrested. It sounds like a scam but I’m not sure they say it’s a loan I had back in 2007. They have my name, address, phone numbers and social security number. it starts to really freak me out
and would gladly accept any papers that they had for me. They immediately got very defensive and rude, I said that I checked my credit regularly and the only loan that I had been for a car and my school loan, They told me that payday loans do not show up on your credit report. I got it out and hung up, only for them to get a hold of my sister and tell her that they were looking for me. They called back a few more time and I ignored the call.
for you to show up “. If they go to blatantly, they can use their own tactics against them.
Ok I’ve been reading everyday experience with these people who started with me last year saying that i have a payday company that my ssn had something attached to it from the general saying that I was going to be put in jail if i didnt pay … they would call me on my cell back to back..one day i answered the call and told them to send this to me in writing … they said they would but did not like i guessed .. that i would be arrested and jailed if i did not pay … this would happen every month i would get someone talking in broken english saying that i need to call them -some of the numbers and names ..
Ask the collector for the name and address of the agency for which he or she works. Then ask him to send you written information about the debt. Any legitimate debt collection agency will do this because it is required under the federal Fair Debt Collection Practices Act.
Turn the tables on them. You can report them to the FTC.gov. Give the FTC as many details as you can. If you have applied for a payday loan online in the past, you may need to include the name of that site in your complaint because your information was either sold or compromised and the FTC needs to know where these guys are getting personal information. That information will go into a database that is shared by law enforcement and other governmental agencies.
1. I am a regular or resident member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, which does not specify a period of 30 days or less of a member of the Armed Forces on active duty. The member of the Armed Forces on active duty as described above is the member’s spouse, the member of the child under the age of eighteen years old, or a person for whom the member provided more than one half of his
of a group called the Consumer Credit Research Foundation, or the CCRF, which is funded by payday lenders. Now, to be clear, Ronald Mann says that CCRF did not pay him to do the study, and did not try to influence his findings; but neither does his paper disclose that the data collection was handled by an industry-funded group. So we went back to Bob DeYoung and asked whether, maybe, it should have.
Just received a call from PDLR Recovery systems about a payday loan that was supposedly taken out 2 or 3 years ago and they were willing to settle for $ 500.00. I had originally made an arrangement with them. I then called them to cancel the arrangement at which time they said they were going to call my office and start the garnishment proceedings. After reading your cover page and asking for the actual credit information as well as information to the collection they worked for, they suddenly hang up. Thank you for the advice.
In either case, take notes of the conversation. In the event they sue you (which would be very rare if either of the scenarios I described are correct) you could show up and explain to the judge how they did not comply with the FDCPA. You could rent an attorney to sue them. If you win you would be entitled to damages and they would have to pay your attorney fees.
I’ve been contacted by 3 different companies. First one was Goodman and Stern, who was Kauffman and Associates, and as of today was contacted by Lohchner Gates and Associates. All of them threaten jail time. After reading this article, I was able to receive the money from goodman and stern through my bank. I just wish I had found this before
I received a recorded call at work that said I had written a bad check and would be sent court papers at home or at work that day. The message then left 1888-786-0630 or 1888-390-5129 to call to try to settle or plan a payment plan. I got really scared and called the number. The lady said she was from Johnson York LLC and that they are middle man to recover past due payday loans. I do not think I owe this debt, but I was so shaken that I paid them $ 50, and set up a payment plan of $ 200 a month to pay a total of $ 960.00. She sent me an email receipt but it does not look legitimate to me. Their logo is weird, there is no address, and no website. She said it’s a loan with quick cash. I tried to google quick cash and nothing comes up. I do not want to keep them if this is a scam, and I guess the worst that could happen is to be served or have my check garnished? I just do not like the fact that they are calling my work place. Should I call them back and ask them for their address, business license and for the original paperwork for the debt? I’m not sure if this is a real collection agency. Please help!

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called from 513-426-9470. claims that it is a private agency investigating me on fraud charge. Claims that 2 financial institutions are charging me fraud. I do not know what to do, just shuffle papers and talk a lot of crap about old debts that are unrelated. I thought I ticked him off when I kept asking for the names of the banks and who he was and where he is calling from. never would tell me. Hung up after telling me “good luck with my fraud charge”. This is such an obvious scam. If the county wanted me, they would have gotten me a long time ago. Thank goodness for Google!
my fiancé has been getting phone calls from someone saying he is an official mike Johnson from 810-223-0563 said he got a loan for $ 300 over the internet but he did not. he applied for some loans but because his credit is bad and no bank account he could not get one. this guy says he got one but he told us where he was from and like most of you he had his name ss # where he works and is threating to have him arrested. We talked to a cop who said that if we had applied for a loan even over the internet they would have mailed out paperwork anyway with PAYMENT OPTIONS and how long you had to pay it back we got nothing and the pretend cop will not give us the It’s a good idea that we have a lot of money, but we have no money for it. what do you do when they keep threatening you and you have no idea what they are talking about.

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Im glad you posted this, i just lost $ 150 to this [redacted]. So today I had a similar call about another payday loan i supposedly had taken out, but didnt. I will be blocking my debit card now, thank you for posting.
I got a call last week for my husband from 215-987-5464 said his name was Officer John William gave me some Badge #. Said my husband had a complaint against him for Payday Advance Loan from 2011 and the charges were 849.25 with the original loan amt and intest charges and court charges and said he was fixing to issue a warrant for him if we did not pay that amount. I told him I did not have that kinda of money that I would have to set up something on a pmt. I told him I was already in the wrong at the bank but I had overdraft so I could pay the 100.00 today but he said
Cash Advance® does not make credit decisions nor does Cash Advance® conduct a credit inquiry on consumers. Some lenders on the Cash Advance® network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which may have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.
This has all the hallmarks of the payday loan collection scam that’s happening all over the country. I am quite confident you will not be served with any kind of papers. Even if they could sue you, they could not suspend your license! (As you say, what is the license?)
I get them all the time too. Everything goes to voice mail If I do not know what I’m saying, I do not know what I’m saying.
• Ask the collector for the name and address of the collection agency for which he or she works. Then ask him to send you written information about the debt. Any legitimate debt collection agency will do this because it is required under the federal Fair Debt Collection Practices Act.
The California Department of Business Oversight supervises us under the Deferred Deposit Transaction Law, §§ 23000 – 23106 of the California Financial Code. You may register a consumer complaint or inquiries about us by calling the Department’s toll-free phone number:
There are several things wrong here, but the fact that your mother in law is having long conversations about your debts with the collector that’s calling. This is a violation of the Fair Debt Collection Practices Act. Collectors are not allowed to discuss their reason for calling or sharing details about your debt with anyone other than you (or your spouse). Divorce tends to bring out the worst in some and it sounds like your going to be one of them.
CashNetUSA offers a number of different products that can be used for cash advance purposes. Check out our Rates & Terms page to learn what products are available in your state or read on how our products can provide you with the quick cash you need.
Check ‘n Go (“we,” “our,” or “us”) provides a deferred deposit transaction. Deferred deposit transactions are subject to a finance charge based on the amount you borrow, the “amount financed.” The larger your amount financed is, the larger the finance charge will be. We offer reperred transactions in $ 5 amount-financing increments ranging from $ 50 to $ 255. The amount you have equals the sum of the amount financed and the finance charge. For example, if you get a $ 255 deferred deposit transaction, then the finance charge is $ 45 and the amount you owe would be $ 300 (ie, $ 255 $ 45).
DURBAN, South Africa – Ronald Louw was a human-lawyer lawyer and professor at the University of KwaZulu-Natal, the South African province, which is one of the most affected areas of the world, so he must have known about the dangers of the virus. In April 2005, he was taking care of his mother, who had been diagnosed with cancer, when he realized he had a cough that would not go away. He went to a doctor who treated him with antibiotics.
Oh and they said it was for a payday loan, the lender was American Credit Services. When I said I never got a payday loan, he said he did not care where the money went but stealing it if I do not pay it back.
Fulmer says that payday-loan interest rates are not almost as predatory as they seem, for two reasons. First: When you hear “400 percent on an annualized basis,” you might think that people are borrowing the money for a year. But these loans are designed to be held for just a few weeks, unless, of course, they get rolled over a bunch of times. And, reason number two: because payday loans are so small – the average loan is about $ 375 – the fees need to be relatively high to make it worthwhile for the lender. For every $ 100 borrowed, Fulmer says, the lender gets about $ 15 in fees. So, capping the rate at an annualized 36 percent just would not work.
Hi, I’ve been a victim of these payday loans the calls and threathens me that i will be brought up on charges these guys need to get caught they are usually foreingers that call i just rec eived two miore calls from # 818 659-5712 and661 752-5174 i want to report these people how do i go about this so we can catch these thugs i have stressed out over this i need help … sincerely paul giordano ny
I just wondering have anyone heard of KDE Recovery Services … They called me today about a payday loan and I hung up. The lady called me back and left a very rude message on my voicemail calling me ignorant and if I did not pay she was going to sign this affidavit and have a warrant issued to my job to be arrested. It sounds like a scam but I’m not sure they say it’s a loan I had back in 2007. They have my name, address, phone numbers and social security number. it starts to really freak me out
Perhaps a solution of sorts-something that is better, but not perfect-could come from more modest reforms to the payday-lending industry, rather than trying to transform it. There are some evidence that smart regulation can improve the business for both lenders and consumers. In 2010, Colorado revised its payday-lending industry by reducing the permissible fees, extending the minimum term of a loan to six months, and requiring that a loan be repayable over time, instead of coming due all at once. Pew reports that half of the payday stores in Colorado are closed, but now everyday payday borrowers are paying 42% less in fees and defaulting less frequently, with no reduction in access to credit. “There’s been a debate for 20 years about whether to allow payday lending or not,” says Pew’s Alex Horowitz. “Colorado shows it can be much, better.”
We also have received several calls. We had applied months back for a payday loan. When we called us back to confirm they were only willing to give us half of what we needed so we told them we were not taking it. Now months later we are getting phones, with the number coming up unknown or as 00000. The guy claims his name is John Frederick. He claims he is from the George Washington Associates and that unless my boyfriend calls him back they will have to take him to court. Repeatdly asks for our attorney’s information. We’ve told him we do not have one and he tells us we get better or pay the debt. My boyfriend works out of town during the week, so the first time I got this call I said this and asked for the name of the company that they are persuading the debt for. He will tell me that he can not give me that information. But when my boyfriend calls them back they will not answer his calls. Today I told him that he had all our other information, so if the debt is real send it to us in paper work, and to stop calling because we have already notified the authorities. I then told him to have a nice day and to F *** off. When he leaves the message on our machine they are always ending “If we do not hear from you all I can do is wish you the best of luck like this badly unfolds on you.” How do we stop these when there is no number ? Its really annoying.
I received a call back in July 2012. He said he was with the cook county district attorney office. That charge was pending from 2008 on cash advance. I told him this was paid for but did not have access to that bank information. He gave me the number of the attorney processing the charge. It was ACS. They would not give me any information about the old claim. Only that they have the right to process check fraud charges. I got pressured in setting up a payment arrangement. I paid the first installment and then cancel my credit card for the second. When I started reading all these claims. Now they continue to call and harass about filing charges. This time the guy when he called did not say he was with cook county and admitted he an investigator. He will not give you a number to call him back. What can I do? How do I get them to stop?
Ok this is the second call I got the first one my sister in law answered and she was given a woman’s name and a phone number and case number …. Well just a couple of days ago they left a message that guy calledly named Peter Hersh said to call this number 1-866-583-6379 and left the name of ADR Firm and that it was my last chance to contact them before I got served but he said that the state of California was suing me … .Hmmm this did scare me because I did not know why would the state be suing me? Well I’m glad I googled and this came up. It sucks this happening to us. I just like to know what we can do? Is there somewhere we can report this to?
Installment loans offer larger loan amounts and longer refund terms than payday loans typically provide. An installment loan offers you the ability to repay over time, according to your pay schedule.
You should not be frightened by email threats with online payday loans. They are almost certainly scams. Legitimate debt collectors know that under federal law they must send written notification of the debt. Do not engage with these folks and feel free to report them to the Internet Crime Complaint Center. Please read: 9 Signs You Are Talking to Debt Collection Scammer
Turn the tables on them. You can report them to the FTC.gov. Give the FTC as many details as you can. If you have applied for a payday loan online in the past, you may need to include the name of that site in your complaint because your information was either sold or compromised and the FTC needs to know where these guys are getting personal information. That information will go into a database that is shared by law enforcement and other governmental agencies.
6pm rcvd calls repeatedly from Michael Moore of “Fraud Office” trying to collect a debt from November 2008, which I’m sure I do not have to Money and More. Alledges, to Jasmine Wright and Maria Sanches that I have commited fraud and a warrant would be issued for my arrest if I do not send $ 1107.15 thru Money Gram and am harrased to send it immediately or expect to be arrested by 8am the next day . After several calls from my attorney to the # 5133994987, left messages, etc., no calls for a few hours now.
If approved for a loan, your lender will present you with the exact fees and interest rate of your loan before your acceptance of the loan. Cash Advance® has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan if you find a particular lender’s loan terms unsuitable.
We believe lending products should be tailored to the consumer. To provide a better experience, we have the detailed features of each product. You can easily determine which option is best for you using our informative resource.
Funny thing is, they have a website but anyone can get a website these days. They are also listed in the BBB website with a C- rating. C- because of complaints. Their website domain is via GoDaddy. Now thats classy.
We had never heard of this happening until we got a call today from 410-843-2822. They had left a message with my fiance and when I returned the calll they first said “hello”, which struck me as strange, since this was supposedly a law office. When I asked for the name of the company he kept trying to verify info. When Chad (my fiance) got on the phone they started telling him that he should answer q’s carefully as they could be used against him in court. They said that the case would be ‘downloaded’ with the courts – what kind of lawyer says that? We had applied for several loans, and had only accepted one – what we were paying back. The amount they said we owed we had never been quoted. The other strange thing is that although they both had very strong indian accents, they used very unlikely names – the supervisor said his name was Jack O’Connor. ?? ?? DO NOT FALL FOR THIS !!!! We told them to send us something in the mail and not to call again.
I thought it was his first name that he was a process server and that ii was being prosecuted for fraud on a payday loan this person also called my family members and told them the same thing she said she was calling from ACS litigation i called and gave the I did not know what to do, but I did not have to say that they would like to have me. They also said when they tried to get paid the bank account was close and they said this was back in 2007 the number they used is 866-574-8858 they also said they would prosecute does anyone anything or can help me

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An excellent experience through a harsh time in my life. The paralegals and Ms. Shank himself explained all details expertly and accommodated me the whole way. Friendly staff, fair fees. Definitely The attorney to head to for bankruptcy help in central Texas.
I’m sorry to hear you pay this debt! It sounds like they are the ones acting illegally. Debts included in bankruptcy are protected by the automatic stay, and once the debt is discharged to a creditor can not try to collect it.
I received a call back in July 2012. He said he was with the cook county district attorney office. That charge was pending from 2008 on cash advance. I told him this was paid for but did not have access to that bank information. He gave me the number of the attorney processing the charge. It was ACS. They would not give me any information about the old claim. Only that they have the right to process check fraud charges. I got pressured in setting up a payment arrangement. I paid the first installment and then cancel my credit card for the second. When I started reading all these claims. Now they continue to call and harass about filing charges. This time the guy when he called did not say he was with cook county and admitted he an investigator. He will not give you a number to call him back. What can I do? How do I get them to stop?
If your bank (banking) returns a debit entry to your bank account, then you must pay an additional return item fee of $ 15. We charge you only one return item per poster transaction no matter how many times the bank repays an item.
We have been scammed by these same people as aboved for the pasts 6, yrs now! They say all that stuff. I have paid them over and over. Thinking it was a different company. They just called my husband again at his work last week and cussed him out again. We only had three in the first place and now they are just making things up. They have been paid so many times We would like to be left alone.
I also received a call from this fraud investigator but he named her morgan and she worked for the commonwealth of pa. Yeah right. He also said my debt was from 2008 from money and more and threatened me with 5 or 6 bogus charges. But what did you think I was looking for? My name was bc he knew unfortunately I have a misdemeanor record and tried to use that against me from when I was 18. These people really scare you into thinking you owe. The first time he called I got a payment about a year ago. Different person had called. It was a prepaid card thank God not my bank that I do not have the bank acct they reference anymore. I also live in pa and when I told him I knew it was a scam He said he could not wait to see me prosecuted. Nolegit company would talk like this. And the statute of limitation on debt is 4 years in fraud 2years my supposed loan was in 2008. As well as you tell them you know it’s a scam they flip. He told me I was gonna need a good attorney etc. If such charges were to be brought against someone I’m sure they would not wait 5 years. Still scared you when they call because you see what they are threatening to do to people. Do not understand how this happens to so many.
You can request a written verification of the debt if they call again to help determine whether you are dealing with a debt collector or a scammer. You can also contact your state attorney general and monitor your credit reports for signs of identity theft.
DEYOUNG: I had written that paper, and had I know 100 percent of the facts about where the data came from and who paid for it – yes, I would have disclosed that. I do not think it’s one way or the other in terms of what the research found and what the paper says.
MCKAMEY: Everybody that comes in here always comes out with a smile on their face. I do not see anyone come out hollering. They take care of everyone who comes to the T. You have been satisfied, I’m satisfied, and I see other people be satisfied. I never seen a person walk out with a bad attitude or anything.
Reg – This is a common tactic that is used to scare you into pay without questioning the validity of the debt. There are laws in place that protect you from debt collectors and they have to abide by those laws (if they are legitimate and not scams). For more on what to do and say when a debt collector calls, this resource will help: What to Do if Debt Collector Calls
Cream – do not respond or engage any further. A legitimate collector would not send all of this through email. We will also encourage you to file a formal complaint – of which you have several options – and you may even wish to forward the email in question to help investigate the fraud
I received a recorded call at work that said I had written a bad check and would be sent court papers at home or at work that day. The message then left 1888-786-0630 or 1888-390-5129 to call to try to settle or plan a payment plan. I got really scared and called the number. The lady said she was from Johnson York LLC and that they are middle man to recover past due payday loans. I do not think I owe this debt, but I was so shaken that I paid them $ 50, and set up a payment plan of $ 200 a month to pay a total of $ 960.00. She sent me an email receipt but it does not look legitimate to me. Their logo is weird, there is no address, and no website. She said it’s a loan with quick cash. I tried to google quick cash and nothing comes up. I do not want to keep them if this is a scam, and I guess the worst that could happen is to be served or have my check garnished? I just do not like the fact that they are calling my work place. Should I call them back and ask them for their address, business license and for the original paperwork for the debt? I’m not sure if this is a real collection agency. Please help!
I got a voicemail yesterday from Jacklyn Shriver or Traver (could not understand her). She addressed me with my full name and then said “also known as” and said my maiden name. She sounded very stern and threatening. She said she had to check out some info, kind of rambled about different things, basically saying if I do not contact the firm she will show up in person at my home or place of employment. Instructed me to call the firm at 1-877-698-2249 and said something like “you have been notified.
WERTH: The best example concerns a economist named Marc Fusaro at Arkansas Tech University. So, in 2011, he released a paper called “Do Payday Loans Trap Consumers in a Cycle of Debt?” And his answer was, basically, no, they do not.
I have suppose to be a Payday Loan Recovery Group with the phone number 1 877 258 1188 saying that Net Loan USA has sent my name to them for a payment I know nothing about and they are going to garnish my check, I just do not know what to do They have too much information on me and I do not know what they are able to do, I wonder how they got my information. I have someone calling me they are from Allegal Dept. ACS. Asking for money. I looked them up and they are a ripoff.The number they call from is 813 262 0349.
Hello. Just a new warning. I received a call today from a company called Legal Research Group in Houston, TX. They also called me my sister and said that if I did not pay them $ 1600 right away that I would be arrested and that there were 2 warrants out for my arrest. Their number is 832-706-3791 and the guy goes by Ryan Adams and Adam Ryan depending on which time he picks up the call. They answer “Compliance Department” and switch back to “departments”. When I asked them to email me the paperwork and detail, they said they were not allowed to. They said they would email me all the info once I gave them the payment information. When I started to challenge them on it they hung up. To catch them, I called back and said that I would go ahead and pay (just to see how they reacted). They were REALLY excited. Then I started to act nice and ask them for details that they could not give. Then I asked them for their company name and address and they just hung up. SCAM !! I called a filed complaint with the FTC.
If you want time extension until Feb 3rd 2012, then you have to pay $ 150 as time extension charge, so in total you have to pay $ 907.62. Please provide card details for stopping your case file for time extension
Why not send all your correspondence thru the mail since you have all this info on me. He said he would and wishes me luck. The scammers use several names like Daniel Richards, Dominic Jones, Angelina Parker and gives you a bogus address in Irvine (the idiot can not even pronounce Irvine, he goes to Irwine) when his phone does not registry East of San Francisco Ca. Please do not be intimidated by these people. Since a lot of our companies are in the US outsourced most of our call center
California requires that all California customers have their most recent pay at the file with Check ‘n Go when receiving an installment loan. For online customers, please fax or email Check ‘n Go your latest pay stub when applying for timely processing of your loan.
Hey I’ve been getting calls from a bryan agent claiming to be from The Fraudulent Investigation Department. Number is 3474180337. He had a thick accent. He has threatened to come arrest me at my work place. Has anyone else heard of this company. Are they scanners? Also second company I missed the name but number number is 6303320770. This guy name was adam woods. He has been threatening me all day I have to go to western union and transfer money to them. I believe this is a scam. He says I will be arrested if I do not. Any suggestions
Race Matters: The Concentration of Payday Lenders in North Carolina, by Uriah King, Wei Li, Delvin Davis and Keith Ernst, The Center for Responsible Lending (March, 2005).
DeYoung, along with three co-authors, recently published an article about payday loans on Liberty Street Economics. That’s a blog run by the Federal Reserve Bank of New York. Another co-author, Donald Morgan, is Assistant Vice President at the New York Fed. The article is entitled “Reframing the Debate About Payday Lending.”
I’ve received calls like this before, where they call me and my work. But, today I got a call from a private investigator named John McCaffrey from 855-656-5010. The message stated that there were charges of fraud being placed against me and my attorney would have to speak about case number # 14831-TX69. He said I was to appear at my local county courthouse to take care of the mater. What was disturbing is that he also called my mother’s phone number and my sister-in-law phone number, leaving the same message from me. The message at their numbers stated that I was to appear in court at their local courthouse. How are I supposed to appear at three different courts for the same case ???? This is how to fishy !!
STP management group is i was harassed by, I had to change my cell #, but they were still harassing me at work. I filed a report with the consumer financial protection office and they said they would stop & desist contacting me. They claim they have a good standing with the BBB, but of course when I look them up with such company exists. These scammers are bold and taking advantage of people with scare tactics.
When the giant Indian technology-service firm Infosys announced last November that it would open a design and innovation hub in Providence, the company’s president said one of the key reasons he chose Rhode Island was its strong network of higher-education institutions: Brown University, the Rhode Island School of Design, and the Community College of Rhode Island.
Cash Advance® does not make credit decisions nor does Cash Advance® conduct a credit inquiry on consumers. Some lenders on the Cash Advance® network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which may have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.
FULMER: If you associate the cost of paying our rent to our local owners, paying our light bill and electrical fees, paying our other fees to local merchants who provide services to us, we operate on a relatively thin margin.
I do not know what to do with my phone. I’m sorry, I do not know what to do. How did this person get my phone number I called the 877 number and this, guy said I had a case for fraud with cash net and that I had to make arrangements or there would be a sheriff at my house within 45 minutes to summon me for the debt obviously i freaked out i did not want to go to jail they had my social address all of my information so i made arrangements with them i would like to know i was scammed? Please help I’m about to go in the Navy I do not need any problems with the law!
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not support the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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I received an email saying there is a judgment against me for a payday loan from cash it had my social sec number and all these charges. I never took out a payday loan with these people I was suspended to call them yesterday but I did not check my e-mail until the next day. I know this is a scam because i google cash usa and find that some people have recieved the same e-mail. What can I do to prevent them from sending the same e-mail. I’m going to file a report
I’ve been getting this guy “Mike Laursen from statewide mediation” saying I’m on payday loan back in 2013 I have not got a payday loan I’ve looked but did not do this guy was calling me from 2 different numbers (855 -201-4847 and 877-343-4510) then when I told him it was fraud he was calling with an unknown number he got $ 45 from me but i talked with my local police about this he said it waS
I was receiving threatening calls from someone claiming to be from the Attourney General’s office. Stating that because of a past due credit that they were going to have the authorities pick me up at my place of work and have me arrested. They asked to pay them $ 120 of the $ 500 that I owed them in order for them to hold off on calling the authorites. I have got past due loans and they verified my email address and home address and the company i worked for. I thought it might have been for real, they wanted me to go to the walgreens and pick up a prepaid card in order to make the payment to them. I was going to send them the money but after talking to one of the lawyers within the company I worked for they advised me that this was a scam call trying to get money out of me. Especially since no prio documentation was provided and they refused to provide any documents until I made a payment. The numbers they were calling from were 951-878-0689, and 951-708-1208. I looked up the
DeYOUNG: Borrowing money is like renting money. You have to use it for a few weeks. You could rent a car for two weeks, right? You get to use that car. Well, if you calculate the annual percentage rate on that car rental – that means that you divide the amount you pay on that car by the value of that automobile – you get similarly high rates. So this is not about interest. This is about short-term use of a product that’s been lent to you. This is just arithmetic.

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If they call back, follow the instructions outlined in this article or the resource provided above. If the collector will not comply with your requests, then it may be a scam. It’s hard to say until you talk to them to see if the debt is legitimate. Whatever you do, do not let them intimidate you in paying without validating the debt. As a result of the comment on this thread, they use scare tactics and prey on consumers not knowing their rights and the laws when it comes to debt collections.
Thanks so much for doing this. You have proven you are an honorable person and no one will blame you. Everyone needs a job but you were brave enough to quit when you found out they were immoral. You have been very helpful!
I received an email saying there is a judgment against me for a payday loan from cash it had my social sec number and all these charges. I never took out a payday loan with these people I was suspended to call them yesterday but I did not check my e-mail until the next day. I know this is a scam because i google cash usa and find that some people have recieved the same e-mail. What can I do to prevent them from sending the same e-mail. I’m going to file a report
Let me introduce myself. I am Senior Affidavit Processor Officer Alicia Fields from State Investigation Department. We have been trying to reach you since a couple of days about a serious matter about a lawsuit filed on your name that you are doing some fraud and criminal activities.
A few months back, my best friend got a call from someone re: I said I was going to jail if I did not pay something by the end of the day. I had used her as a reference to a payday advance through Check N Go so that’s probably how they got her name and number. She called me hysterical, I freaked out and of course, called them. The guy was very rude and told me I would go to jail if it was not paid that day by 4 and told me I’d be arrested for check fraud. I explained what happened, did not give any info or offer payment, but was so upset. I completely freaked out and thought “oh my gosh, who will take care of my kids if I go to jail?” I called my attorney and he told me to ignore it, and that no, I could not get arrested. I was relieved !!! I do not have to pay for that payday above, I believe it was from a year or two ago. I lost my job after, fell on hard times and I still pick up the pieces of money and have not been able to pay it. Now that I’ve read this, I’m pretty sure these callers are scammers. Beware people! Oh yes, and of course, when I listen to the envelope info of the voicemails, they are blocked and it says “an outside caller”. I wish there was something I could do to get these clowns in trouble, because if I had made any payment and found out it was not paying my debt, I would be devastated.
I received the same call yesterday and today from Eric Brown threathening to come to my place of employment and have me served. When asked for his company name, phone number he said I havd been warded. He starts off having a lot of personal information address, phone number really scary. How do they get all this? He has been calling my cell phone everyday today with threats. I have his messa saved on voice mail. He also informs me to contact 877-418-8244 Pay Day Solutions. His number is always unavailable. Will contact Attornet General and FTC today. How can we stop this?
My husband and I filed bankruptcy due to unforeseen circumstances and we had an outstanding payday loan. My attorney explained to us that a payday loan is treated as an unsecured debt and would file the papers and there was no need to worry about this because it would be included in the bankruptcy as unsecured. Needless to say I got a very dangerous call from a company called US Capital Management (855) 596-0411. They said they represented MYMONEYCHEST.com and they would see us in court for a balance. I asked the woman to contact my attorney and they said they could not because they are just the middle man in this. I told her if there is a balance and we are currently in a bankruptcy, there should be no reason they could not reach out to our attorney. I called my attorney and he said to have them call him. They will not! They told me that they were going to serve me papers at my job. Is this possible? Can they do that? I can not get them to give me any paperwork about this balance owed.
A debt collector is required by law to send you notification of the debt within 5 business days of that initial phone call. Once they do that you are entitled to request verification of the debt. Have you received anything in writing? Did you ask them to send you something in writing? If it turns out you think they are legit then you also want to check out the rules of limitations: Statute of Limitations On Debt Collection by State. Please be careful not to pay a debt you do not have.
her company would then move forward in garnishing my salary. If I accepted the settlement offer they would contact American Cash Advance and I would receive a paid in full letter from them. I have not received any such documentation. When I called Ms. Gilbert today to let her know I did not receive the pay in full letter from the original creditor she told me that there was nothing she could do – she did her job and that’s all she had to do and was not interested in helping me. I contacted her supervisor, Ms. Martinez (ext.260) and she told me she would look in the matter for me and return my call. I paid the amount that I was offered in the settlement because I did not want my employer to be contacted – even though I suspected this was a scam.

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‘S Eliana Johnson.
Hi, I’ve been a victim of these payday loans the calls and threathens me that i will be brought up on charges these guys need to get caught they are usually foreingers that call i just rec eived two miore calls from # 818 659-5712 and661 752-5174 i want to report these people how do i go about this so we can catch these thugs i have stressed out over this i need help … sincerely paul giordano ny
The fact that they have your information means absolutely nothing. That information is often bought and sold. Sounds like it is very likely a scam. Again, insist on written confirmation (by mail) as required by law. If they do not send it then you have confirmed what you’re dealing with.
I’ve been getting this guy “Mike Laursen from statewide mediation” saying I’m on payday loan back in 2013 I have not got a payday loan I’ve looked but did not do this guy was calling me from 2 different numbers (855 -201-4847 and 877-343-4510) then when I told him it was fraud he was calling with an unknown number he got $ 45 from me but i talked with my local police about this he said it waS
There’s one more thing I want to add to today’s discussion. The payday-loan industry is, in a lot of ways, a simple target. But the more I think about it, the more it looks like a symptom of a bigger problem, which is this: remember, to get a payday loan, you need to have a job and a bank account. So what does it say about an economy in which millions of working people make so little money that they can not pay their bills, that they can not absorb one hit like a ticket for smoking in public?
I was contacted by a guy who claims to be with a lawyer firm. He said that charges were filed against me for taking out a payday loan online. It’s against the law in the state of “North Carolina” at the time I did not know this. When I asked who filed charges against me he mentioned the Social Security Commissioner, the Federal Credit Commission and the Attorney General Office. I called all these offices and they all said it sounds like a scam so I gave all the info I have. He told me if I settled out of court I would pay $ 600.00 and if I went to court I could pay $ 1000.00 … he also said I could be arrested. The loans I took out I paid them every month, the Attorney General told me not to worry but this man keeps calling me.
We also have received several calls. We had applied months back for a payday loan. When we called us back to confirm they were only willing to give us half of what we needed so we told them we were not taking it. Now months later we are getting phones, with the number coming up unknown or as 00000. The guy claims his name is John Frederick. He claims he is from the George Washington Associates and that unless my boyfriend calls him back they will have to take him to court. Repeatdly asks for our attorney’s information. We’ve told him we do not have one and he tells us we get better or pay the debt. My boyfriend works out of town during the week, so the first time I got this call I said this and asked for the name of the company that they are persuading the debt for. He will tell me that he can not give me that information. But when my boyfriend calls them back they will not answer his calls. Today I told him that he had all our other information, so if the debt is real send it to us in paper work, and to stop calling because we have already notified the authorities. I then told him to have a nice day and to F *** off. When he leaves the message on our machine they are always ending “If we do not hear from you all I can do is wish you the best of luck like this badly unfolds on you.” How do we stop these when there is no number ? Its really annoying.
I was getting a call in florida saying that if I did not pay or call them back they would send a cop to pick me up and that I had 15 mins to call back..won’t send me any information about anything .. also calling my work saying if I did not call back my bosses would not see me for a long time they said it was state wide adr 1-888-825-3116 they were too aggressive too
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Christy – Do not panic. It sounds like you’re talking with a scammer. Please read this article. Do not send them a prepaid card. If it was a legitimate collection agency they would allow you to send a check. They want a prepaid card because it can not be traced. And once you pay them something, they will never leave you alone. Read this: 9 Signs You Are Talking to Debt Collection Scammer
Hello I just recently about a week ago I started receiving a call from a collection agency TRADEMARK MANAGEMENT SOLUTIONS in relation to a payday loan that I have to pay on and YES I know that i have a bill but there are tats are freakin nuts … is what was on my answer service … This message is for XX. My name is Theresa Coleman. I’m calling about fax order that I received in my office today in relation to some bad checks you’ve written. You have a chance to contact the complainant and resolve this matter before further action is taken. The complainant may be reached at their corporate office number 877-285-3841and you can refer to your case number ###. XX you have officially been notified. ”
actually be profitable, deliver the product. Now that’s, that’s not the only plank in the CFPB’s platform. They advocate limiting rollovers and cooling-off periods and the research does not indicate that in states where rollovers are limited, payday lenders have got around them by paying the loan off by refinancing. Just start a separate loan with a separate loan number, evading the regulation. Of course that’s a rule that was poorly written, if the payday lenders can evade it that easily.
DEYOUNG: Studies that have looked at this have found that once you control for the demographics and income levels in these areas and these communities, the racial characteristics no longer drive the location decisions. As you can expect, business people do not care what color their customers are, as long as their money’s green.
consumers, is going too far. Under the plan it is now considering, lenders would have to make sure that borrowers can repay their loans and cover other living expenses without extensive defaults or reborrowing. These actions would really seem to curtail the possibility of people falling into debt traps with payday lenders. But the industry argues that the rules would be put out of business. And while a self-serving howl of pain is precisely what you would expect from any industry under government fire, this appears, based on the business model, to be true-not only would the regulations eliminate the very loans from which the industry makes its money, but they would also introduce significant new underwriting costs on every loan.
Im glad I read your post. I have been getting calls from people for payday loans that i have had outstanding. they are threatening to take me to court and everything, and i know according to the payday loan laws in illinois they cant do that. My question is this: I had already had two loans out (via front store), and was approved for 5 more online (after which I did not have any of the companies were licensed in illinois. the money to repay at the moment thats when they get rude and nasty with me they keep saying they will put a judgment on my report, etc. 855-216-1354 is one of the numbers i keep getting calls from. my caller id they come up 000 and i wait for them to leave a message I do not pay them anything but i wonder if they really do anything to me the companies according to illinois law should have contacted me to set up I did not want to go back, but now I’m getting these calls, something doesnt seem right
No need to panic. Debt collectors do not pick people up at home or work because they can not pay their bills. Ask them to send you a written notice of the debt that is required under federal law. (By mail, not email.) If they say they can not, then you’re dealing with a scammer. If so, then read my article 7 Ways to Stop Overseas Debt Collection Scam Calls and turn the tables on them!
They are so far breaking the law. I have not received a written statement regarding the debt of these payday loans. and they have threatened dire consequences multiple times (number 5 in your article), they definitely call earlier
I’ve received calls like this before, where they call me and my work. But, today I got a call from a private investigator named John McCaffrey from 855-656-5010. The message stated that there were charges of fraud being placed against me and my attorney would have to speak about case number # 14831-TX69. He said I was to appear at my local county courthouse to take care of the mater. What was disturbing is that he also called my mother’s phone number and my sister-in-law phone number, leaving the same message from me. The message at their numbers stated that I was to appear in court at their local courthouse. How are I supposed to appear at three different courts for the same case ???? This is how to fishy !!
MANN: The data really suggests that there is a relatively small group of borrowers, in the range of 10 to 15 percent, who have been extremely heavy users, whose predictions are really bad. And I think that group of people seems to fundamentally not understand their financial situation.
I received a call yesterday from a law office stating that they were going to have me arrested for fraud and theft for not paying a payday loan. They said that it had been over 21 days since I made a payment and that if I wanted to go out of court that all I needed to do was put $ 385 on a green dot moneypak card by today. I have taken out two payday loans just recently and just had my first payment due on Friday which I paid. The number that they are calling from is 401-648-7325 by Lisa Green. She also said that the money had been deposited in my account and when they tried to pay out they were not able to. They also did not give me information on when the deposit took place and what company the payday loan was through. This sounds like a lot of the other posts that I have read but I do not want to take the chance of being arrested … what do I do ??
The debt collector must send you a written verification of the debt, and is not allowed under federal law to discuss your debt with others. This leads me to believe it is not legitimate. You might want to think about telling her that you will be recording her calls to turn them over to law enforcement, and report these calls to Fraud.org.

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There is no westwood mediation. If they are talking with a high accent they are Indian scammers. It’s the latest foreign scam being hoisted on Americans, gullible ones that it. If you have applied or attempted to apply for a payday loan, they will call you at some point. Be ready when they call. They are looking for some one gullible to easily victimize. You can not reason with them and anyway they are conducting a scam so deal with it properly – blowing a loud air air horn into the phone. They get the message with that loud and clear that you are not to be messed with and they usually move on.
may be the best solution. Not only will filing for bankruptcy cause all collection efforts by creditors to stop immediately, but it can eliminate most of your debt and provide you with a fresh start.
One problem with the payday-lending industry-for regulators, for lenders, for the public interest is that it defies simple economic intuition. For instance, in most industries, more competition means lower prices for consumers. That maxim certainly helped guide the deregulation of the fringe lending business in the 1990s and some advocates still believe that further deregulation is the key to making payday loans affordable. Yet there is little evidence that a proliferation of payday lenders produces this consumer-friendly competitive effect. What’s the difference: There are more than double-paid loans in those states (Idaho, South Dakota, Texas, and Wisconsin). by residents of some other states, according to Pew. In the state where the interest rate is capped, the rate that payday lenders charge gravitates right to the cap. “In the race to the lowest rates, it’s a race to the highest rates,” says Tom Feltner, director of financial services at the Consumer Federation of America.
better thanks for educating me on this scam.
The decline of marriage is on us. But, at least, that’s what the zeitgeist would have
Defaulting on a loan is not a “felony violation” and what they are saying and doing is illegal under the Fair Debt Collection Practices Act. The next time you talk with them, ask them to send you a confirmation of the debt-which they are required to do by law. If they refuse, you can tell them that they are breaking the law and you will pursue legal action if they continue to call and harass you.
The ladies in the Killeen office are amazing! Hands down the most helpful and kind hearted. No questions asked I would recommend Mrs. Shank and his team ANY day. All my questions and concerns were handled with tact and consideration.
After studying the millions of payday loans, the Consumer Financial Protection Bureau found that 67 percent went to borrowers with seven or more transactions per year, and the majority of borrowers paid more in fees than the amount of their initial loan. This is why Diane Standaert, the director of state policy at the Center for Responsible Lending, says 36 percent interest-rate cap, says, “The typical borrower experience involves long-term indebtedness-that’s core to the business model.”
Do you believe them Maria ,. they will say anything and even break the law to do so. If it was actually a fraud investigator your local police or sheriffs department would be the person who called you to not have a random person telling you to get an attorney.
When you accept the terms and conditions for a loan, you are agreeing to pay back the principal loan and finance charges in the amount of time shown in the documents provided by your lender. Additional fees or charges by your lender may apply in the event that you can not repay your loan in full or if you make a late payment. We can not predict the amount of fees that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a good effort to work only with reputable lenders who live by Fair Debt Collection Practices. If you have a complaint about a specific lender, please contact us.
When the giant Indian technology-service firm Infosys announced last November that it would open a design and innovation hub in Providence, the company’s president said one of the key reasons he chose Rhode Island was its strong network of higher-education institutions: Brown University, the Rhode Island School of Design, and the Community College of Rhode Island.
MoneyMe makes repaying your loan simple and easy. During the loan approval process we will set up your direct debts. Payments will be scheduled according to your pay cycle. Concerned you will miss your repayment date? The MoneyMe customer service team is available via phone, email, live chat, Facebook or Twitter to help resolve any issues you may have.

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I did, however, take out a payday loan from a company named Cash Web, who promptly sold my info to a company called Hydra Loans. Perfect name as they had dozens of other such businesses. They put money in my account, though I never saw a contract or signed a thing; not even a phone call I paid them back the principle immediately but they still tried to get money out of my account (not even on paydays though they claim I applied for the loan and spoke to someone on the phone to set it up). I had to close my account and open a new one to stop them. Now, years later I’ll get these calls or letters, but nothing will ever happen. I ignore them, but if I had the time and money, I would love to get them I to court.
In a typical handgun injury, which I diagnose almost daily, leaf bullet in laceration through an organ such as the liver. To a radiologist, it appears as a linear, thin, gray bullet track through the organ. There may be bleeding and some bullet fragments.
According to the Consumer Financial Protection Bureau, or the CFPB – the federal agency that President Obama wants to tighten payday-loan rules – 75 percent of the industry’s fees come from borrowers who take over 10 loans per year.
Stacy – do not pay anything unless you’re sure it’s a legitimate debt. Under the FDCPA, collectors are legally obliged to provide proof of the debt. Having said this, within 5 days of contacting you by phone, they must send you a notification of their attempt to collect. In that notice, they have to inform you of your right to have the validated debt. You have thirty days to do this and it must be done in writing. If they can not validate the debt, you can not legally collect. With that said, we strongly encourage you to read through the following two resources, at least make sure you know your rights and take the appropriate steps forward:
that the company is legitimate. In addition, she should NOT pay with a prepaid card. This is what the scammers ask and that is because it can not be traced.
Do not hide from bad news. Do not ignore a charge or summary notice from court or the lender, or any court proceedings against you. If you ignore a case, you may lose the opportunity to fight a wage or bank garnishment.
DEYOUNG: If we take an objective look at the folks who use payday lending, what we find is that most users of the product are very satisfied with the product. Survey results show that almost 90 percent of the users of the product say that they are either somewhat satisfied or very satisfied with the product afterwards.
I thought it was his first name that he was a process server and that ii was being prosecuted for fraud on a payday loan this person also called my family members and told them the same thing she said she was calling from ACS litigation i called and gave the I did not know what to do, but I did not have to say that they would like to have me. They also said when they tried to get paid the bank account was close and they said this was back in 2007 the number they used is 866-574-8858 they also said they would prosecute does anyone anything or can help me
He said he worked for Morgan Lewis on behalf of Money & More. He had all my personal information, bank information, ssn, dob. He told me I had committed internet fraud by taking out a loan and not paying it back. I did not remember to take out a loan online & told him I did not remember to take out a loan on the internet. He then told me that he had email transactions and verification from my bank that the ACH withdrawal was declined twice so I had committed internet fraud and was going to jail. He then hung up on me.
Race Matters: The Concentration of Payday Lenders in North Carolina, by Uriah King, Wei Li, Delvin Davis and Keith Ernst, The Center for Responsible Lending (March, 2005).
It may seem inconceivable that a company could not make money collecting interest at a 36 percent annual clip. One reason it’s true is that default rates are high. A study in 2007 by two economists, Mark Flannery and Katherine Samolyk, found that defaults account for more than 20 percent of operating expenses at payday-loan stores. By comparison, loan losses in 2007 at small U.S. commercial banks accounted for only 3 percent of expenses, according to the Kansas City Fed. This is not surprising, given that payday lenders do not look carefully at the borrower’s income, expenses, or credit history to ensure that she can repay the loan: That underwriting process, the bedrock of conventional lending, would be ruinously expensive when applied to a $ 300, two-week loan. Instead, lending to the borrower’s checking account-but if that’s empty due to other withdrawals or overdrafts, it’s empty.
Gerri offers excellent advice on how to handle a debt collection here: If you are looking for a good deal,
One big advice PEOPLE !! Try to avoid giving out your personal information. Avoid any suspicious telemarketing calls (they get your info) or sign any document at your doorstep … This decade is FULL of scammers … so DO NOT get cheated!
It sounds like if the caller is breaking the law; a collection agency can not send you to jail. Read 5 Things to Debt Collector Should Never Say “and 11 Ways to Debt Collector May Be Breaking the Law for more information and advice on how to handle calls.
My daughter (who’s phone number has not been associated with me) received a call from (602) 726-0102 form an unknown company, addressing me, that I was under investigation and needed to call them back. My daughter gave me the info and I called them back.
Thanks for sharing, Brooke. It always amazes us with some of the threats and claims these guys make: “Somebody would be here Friday at 11:00 a.m. to take me to California for my court on Monday at 11:00 pm “So, they’ll pick you up, drive or fly you to California for court, and put you up in a hotel for two nights while you wait for your short date on Monday? I’m almost speechless.
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I have never felt so informed, relaxed, nor confident in any attorney before, ever! And all that changed once we met with Erin. Since I’ve had such bad luck with previous attorneys, I was under the impression that our appointment would be more … MoreI have never felt so informed, relaxed, nor … Read More
DEYOUNG: This is why price caps are a bad idea. Because if the solution was implemented as I suggest and, in fact, payday lenders lost some of their most profitable customers – because now we’re not getting that fee the 6th and 7th time from them – then the price would have to go up. And we would not let the market determine whether or not at that high price we still have the need to use the product.
Fulmer’s firm, Advance America, runs about 2,400 payday loan shops, across 29 states. All in, there are roughly 20,000 payday shops in the U.S., with total loan estimated at around $ 40 billion per year. If you were back to the early 1990s, there were fewer than 500 payday-loan stores. But the industry grew as many states relaxed their usury laws – many states, but not all. Payday lending is prohibited in 14 states, including much of the north and in Washington, D.C. Another nine states allow payday loans but only with more borrower-friendly terms. And that leaves 27 states where payday lenders can charge in the neighborhood of 400 percent interest – states ranging from California to Texas to Wisconsin to Alabama, which is what drew President Obama there.
ok heres how this works i did it for about a few years ago first off all the debt is real debt. Ok now heres where the rest becomes illegal to speak or at least walk that thin line in my eyes. its real debt that the people owed but for these companies by the time they got it its OVER the 7 year statute of limitations for collections so they hit hard and fast before you catch on. now when you call john or mary lets say they have professional closers who guess what are now john or mary each one of us gets our list of people going to call and get my company buys by the bAZILLION from the credit card companies medical collection agencies etc for pennies the month i worked there they had a million $$$ month so theres a lot of uninformed people out there. anyways we get their debt info then credit report etc and we search them before we call had my own code to run backgrounds reverse phone etc that way we sound legit we then spoof your sheriff or court house number threaten jail and arrest at your work etc unless you call john or mary since we are all either john or mary they never know for pay for us we had a number like john 1 john 2 or mary 1 mary 2 etc. i can go on and on the gist lol my conscience got the best of me i had to quit p.s. if this happens again just laugh at them and ask them what time breakfast you need a vacation and club med was booked solid so jail will do lol theyll move to the next victim they just keep hounding and bullying if you look weak and they think youll pay. good luck
In either case, take notes of the conversation. In the event they sue you (which would be very rare if either of the scenarios I described are correct) you could show up and explain to the judge how they did not comply with the FDCPA. You could rent an attorney to sue them. If you win you would be entitled to damages and they would have to pay your attorney fees.
But there is one statistical tidbit that flies in the face of this conventional wisdom: A clear majority of same-sex couples who are living together are now married. Same-sex marriage was illegal in every state until Massachusetts legalized it in 2004, and it did not become legal nationwide until the Supreme Court decision Obergefell v. Hodges in 2015. Two years after that decision, 61 percent of the same-sex couples who were sharing a home were married, according to a set of surveys by Gallup. That’s a high take-up rate: Just because same-sex couples are able to get married does not mean they have to; and yet large numbers have seized the opportunity. (That’s compared with 89 percent of different sex couples.)

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We have been scammed by these same people as aboved for the pasts 6, yrs now! They say all that stuff. I have paid them over and over. Thinking it was a different company. They just called my husband again at his work last week and cussed him out again. We only had three in the first place and now they are just making things up. They have been paid so many times We would like to be left alone.
Be aware that some payday lenders have threatened garnishment in order to get borrowers to pay, even though they do not have a court order or judgment. If that should happen, you may want to seek legal assistance.
Tell me that I owe a paydate loan and that I need to call her and make arrangements. She is calling me on my job and on a new cell number that I have. Now she is calling my family and threatening them That they are going to arrest me. Please help. 800-290-1065. SHe calls three times a day or more. Help.
Shulkin and Carson face the same problem: dubious use of taxpayer dollars in their duties as secretaries. They can console themselves knowing they are in good company. Interior Secretary Ryan Zinke, EPA Administrator Scott Pruitt, Treasury Secretary Steven Mnuchin has been caught in extravagant expenditures, too. Less heartening is the sixth example, Tom Price, who was unceremoniously forced out as secretary of health and human services in September 2017.
A payday loan is usually paid in a single payment on the next borrower, or when the income is received from another source such as a Pension or Social Security. The due date is typically two to four weeks from the date the loan was made. The specific due date is set in the payday loan agreement.
MANN: And if you went to the counter and asked for a loan, they would hand you this sheet of paper and say, “If you’ll fill out this survey for us, we’ll give you $ 15 to $ 25, “I forget what one was. And then I get the surveys sent to me and I can look at them.
There is a long and often twisted history of industries co-opting scientists and other academic researchers to produce findings that make their industries look safe or more reliable or otherwise better than they really are. Whenever we talk about academic research on this show – which is pretty much every week – we try to show the provenance of that research and establish how legitimate it is. The best first step in figuring that out is to ask what kind of incentives are at play. But that is only one step.
I received a call yesterday from a law office stating that they were going to have me arrested for fraud and theft for not paying a payday loan. They said that it had been over 21 days since I made a payment and that if I wanted to go out of court that all I needed to do was put $ 385 on a green dot moneypak card by today. I have taken out two payday loans just recently and just had my first payment due on Friday which I paid. The number that they are calling from is 401-648-7325 by Lisa Green. She also said that the money had been deposited in my account and when they tried to pay out they were not able to. They also did not give me information on when the deposit took place and what company the payday loan was through. This sounds like a lot of the other posts that I have read but I do not want to take the chance of being arrested … what do I do ??
they got my work phone # through my company cell phone. He (the law enforcement official) as he represented himself would not give his company info or address. When I asked for written verification, he refused and said the police were on the way to get me. He had a similar conversation with my boss the night before. He did have my bank information, at least the name of my bank. I had already called the FTC and started a case, when I gave the reference number and the investigators name, he said the cops should be there any minute and hung up on me. He then tried to call my work again and hung up while being on hold. I am a criminal justice major and I have to say that it shook me up. I called my financial institution and really I am in good standing, transferred my debit money to savings, cancelled my debit card, and called the trans-union to flag my social for fraud. The charge as I got him to admit was writing bad checks on my debit account, really ???! I do not know if I will receive any further calls since I throw down the trumpet of the FTC, start a case, get a reference #. Can I ask for help from local law enforcement? Their call back # gets to them.
I got a call last week for my husband from 215-987-5464 said his name was Officer John William gave me some Badge #. Said my husband had a complaint against him for Payday Advance Loan from 2011 and the charges were 849.25 with the original loan amt and intest charges and court charges and said he was fixing to issue a warrant for him if we did not pay that amount. I told him I did not have that kinda of money that I would have to set up something on a pmt. I told him I was already in the wrong at the bank but I had overdraft so I could pay the 100.00 today but he said
Turn the tables on them. You can report them to the FTC.gov. Give the FTC as many details as you can. If you have applied for a payday loan online in the past, you may need to include the name of that site in your complaint because your information was either sold or compromised and the FTC needs to know where these guys are getting personal information. That information will go into a database that is shared by law enforcement and other governmental agencies.
The Credit.com team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We will not tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things related to money and finance we think are interesting and want to share.
To repay the loan, you will usually have a post-dated check for the full balance, including the fee, or you provide the lender with the authorization to electronically debit the funds from your bank, credit union or prepaid card account. If you do not repay the loan on or before the due date, the lender can cash the check or electronically withdraw money from your account.
here him.
I received a calling phone call from number 701-212-1223 stating that I had owed a payday lone in the price of $ 2097.00 and that if i did not care about this that there would be a sherrif at my door to take me to jail and for e to appear in court.
Perhaps a solution of sorts-something that is better, but not perfect-could come from more modest reforms to the payday-lending industry, rather than trying to transform it. There are some evidence that smart regulation can improve the business for both lenders and consumers. In 2010, Colorado revised its payday-lending industry by reducing the permissible fees, extending the minimum term of a loan to six months, and requiring that a loan be repayable over time, instead of coming due all at once. Pew reports that half of the payday stores in Colorado are closed, but now everyday payday borrowers are paying 42% less in fees and defaulting less frequently, with no reduction in access to credit. “There’s been a debate for 20 years about whether to allow payday lending or not,” says Pew’s Alex Horowitz. “Colorado shows it can be much, better.”
DURBAN, South Africa – Ronald Louw was a human-lawyer lawyer and professor at the University of KwaZulu-Natal, the South African province, which is one of the most affected areas of the world, so he must have known about the dangers of the virus. In April 2005, he was taking care of his mother, who had been diagnosed with cancer, when he realized he had a cough that would not go away. He went to a doctor who treated him with antibiotics.
Wage garnishment occurs when your employer has a legally required portion of your pay for your debts. Bank garnishment occurs when your bank or credit union is served with a garnishment order. The bank or credit union then holds an amount for the payday lend or collector as allowed by your state law. Each state will have different procedures, as well as exemption from garnishment, which applies to both the wage and banking garnishment process. For instance, under federal law certain benefits or payments are generally exempt from garnishment.
about a year ago very threatening and I initially set up a payment. When I found all the scam info online I have not got that account. I honestly do not remember if I had a payday loan default I do not remember having one. They called again but the guy said he was a fraud investigator for the commonwealth of pa and I would be brought up on all of these bogus sounding charges of fraud bad checks etc from a loan probably from 2008. He also knew I have a misdemeanor record and brought it up to me which is what scared me. When I said I know this is a scam he got furious said he would love to see me get prosecuted. I just said anything and hung up. Googled the phone number he left on vm was 8558870097 and it def seems like a scam. Latest loans from my research are illegal in and even if I did have said the default loan which I do not believe I did the statute of limitations on the debt on the 4 years fraud 2 years. I obviously realize the only fraud is these people but I still can not help but worry about this.
Processing your completed application at an Advance America store will only take a few minutes. Once processing is complete and you are approved, we will review the fees and terms for your Payday Loan, and you will receive the money you need during that visit.
The laws in your state may permit, regulate, or prohibit these loans. Some states do not have payday lending because these are not allowed by the state’s law or because the payday lenders have not decided to do business at the interest rate and fees allowed in those states. In states that do not allow or pay for payday loan, you may be able to obtain more information from your state regulator or state attorney general.
this is happening to me they made me buy 2 green dot cards for $ 425 i keep calling them back and they are not answering the phone. I am only 21 years of age I do not know what to do or how to get my money back. Can someone help?
I had calls from Texas and the guy was just talking and talking and he would not let me talk so I said how to pay you, he said give me your debit card, so I said **** you, and he said The cops are going to come in 24 hours and I’m going to lose the case, so I said **** you again, think about what person is Arabic is named Michael brown
Beth – I
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I received the same call yesterday and today from Eric Brown threathening to come to my place of employment and have me served. When asked for his company name, phone number he said I havd been warded. He starts off having a lot of personal information address, phone number really scary. How do they get all this? He has been calling my cell phone everyday today with threats. I have his messa saved on voice mail. He also informs me to contact 877-418-8244 Pay Day Solutions. His number is always unavailable. Will contact Attornet General and FTC today. How can we stop this?
So I did call them back, spoke to a different person, to inform them that this is bogus and there is no record of any kind for any payday loan. I started to tell her what the bank associate told me about how payday loans work and if I or someone else did not take these loans there would be a try to collect on in through my bank account. She said she knows how they work and do not need me to explain it to her. She also told me that since they are only a mediation firm that is just looking for volunteer settlements of the debts they are not bound to the Fair Debt and Collections Act and said we are not going to force you to pay this back to our client.
There’s one more thing I want to add to today’s discussion. The payday-loan industry is, in a lot of ways, a simple target. But the more I think about it, the more it looks like a symptom of a bigger problem, which is this: remember, to get a payday loan, you need to have a job and a bank account. So what does it say about an economy in which millions of working people make so little money that they can not pay their bills, that they can not absorb one hit like a ticket for smoking in public?

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DUBNER: Let’s say you have a one-on-one audience with President Obama. We know that the President understands economics pretty well or, I would argue that at least. What’s your pitch to the President for how this industry should be treated and not eliminated?
U.S. Senator Elizabeth Warren (left) talks with Consumer Financial Protection Bureau Director Richard Cordray after he testified about Wall Street reform at the 2014 Senate Banking Committee hearing. (Jonathan Ernst
My husband and I filed bankruptcy due to unforeseen circumstances and we had an outstanding payday loan. My attorney explained to us that a payday loan is treated as an unsecured debt and would file the papers and there was no need to worry about this because it would be included in the bankruptcy as unsecured. Needless to say I got a very dangerous call from a company called US Capital Management (855) 596-0411. They said they represented MYMONEYCHEST.com and they would see us in court for a balance. I asked the woman to contact my attorney and they said they could not because they are just the middle man in this. I told her if there is a balance and we are currently in a bankruptcy, there should be no reason they could not reach out to our attorney. I called my attorney and he said to have them call him. They will not! They told me that they were going to serve me papers at my job. Is this possible? Can they do that? I can not get them to give me any paperwork about this balance owed.
I got a call last week for my husband from 215-987-5464 said his name was Officer John William gave me some Badge #. Said my husband had a complaint against him for Payday Advance Loan from 2011 and the charges were 849.25 with the original loan amt and intest charges and court charges and said he was fixing to issue a warrant for him if we did not pay that amount. I told him I did not have that kinda of money that I would have to set up something on a pmt. I told him I was already in the wrong at the bank but I had overdraft so I could pay the 100.00 today but he said
remember they are sitting in a boiler room somewhere – maybe not in the US – making false threats. If you need to, call your phone company and find out how to put your phone call on your phone. Or get a google voice number and set it up so that only calls from people you know go through.
DURBAN, South Africa – Ronald Louw was a human-lawyer lawyer and professor at the University of KwaZulu-Natal, the South African province, which is one of the most affected areas of the world, so he must have known about the dangers of the virus. In April 2005, he was taking care of his mother, who had been diagnosed with cancer, when he realized he had a cough that would not go away. He went to a doctor who treated him with antibiotics.
Tami – what’s wrong with me is talking about “bad checks” – not about the fact that you have a debt. This makes me think they’re going to tell you that you’re going to be arrested for checking fraud if you do not pay. Again, ask them to send you a written notice of the debt required by the federal law – the Fair Debt Collection Practices Act.
Worse yet, she says, borrowers have almost no choice but to roll over their loans again and again, which jacks up the fees. In fact, rollovers, Standaert says, are an important part of the industry’s business model.
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DEYOUNG: This is why price caps are a bad idea. Because if the solution was implemented as I suggest and, in fact, payday lenders lost some of their most profitable customers – because now we’re not getting that fee the 6th and 7th time from them – then the price would have to go up. And we would not let the market determine whether or not at that high price we still have the need to use the product.
from her again. I do not know if this is connected, but really regretting the small payday loan online in order to pay my rent when I was out of work. Now I do not know what I’m facing with the legal document threats and can not contact the source caller for information in order to try and resolve whatever is the issue. Now that I read the other postings, I’m not sure if I made a payment to a legitimate source either because just after making the loan random deductions started coming out of my checking account so badly that I had to shut it down. Hope my posting this information helps someone who is thinking about taking a chance with online payday loans, and thank you for the website to share and help others in such need.
MANN: The data really suggests that there is a relatively small group of borrowers, in the range of 10 to 15 percent, who have been extremely heavy users, whose predictions are really bad. And I think that group of people seems to fundamentally not understand their financial situation.
Beth – I
The Illinois Attorney General’s Office says the bogus debt collectors have heard about using various names, including: Morgan & Associates, Federal Bureau of Investigators, DNR Recovery, DNI Recovery, Legal Accounts Association, Department of Law and Enforcement, CashNet USA , American Legal Services, Quick Cash, and ACS. If you hear from any of these companies, be sure to report them immediately to your state Attorney General’s office and the Federal Trade Commission
Today, the same lady called & left another message, said the same crap including this is her last attempt, blah, blah, blah but this time left a different number 1-855-809-6119. Again, ended his message with “you have been notified”.
I’m getting calls often, different numbers, started about a week ago.It is scary, and upsetting.Latest is from 1-718-841-6480.Thaey call work, threatens to file charges against me, I will be arrested if I don i pay.A guy tried to get me $ 560 immediately.I didn’t.Help
This morning I received a call, and my father did as well, from 716-244-6551. I was given a number ID. I do not answer unknown numbers. I call back after hearing a voice mail. My dad told me that they issued a warrant for my arrest in Bexar County. I called them back because the voicemail they left was basically stating the same thing.
As for the other instance, I do not know whether you were scammed or not, but you can certainly do some research to find out whether the collection agency you paid was legitimate. In some states, they must be registered and
FULMER: If you associate the cost of paying our rent to our local owners, paying our light bill and electrical fees, paying our other fees to local merchants who provide services to us, we operate on a relatively thin margin.
The one who called me was American legal services .. I have never been to jail in my life Thank God I called a lawyer first .. Should I know when they were avoiding my request for detailed info.
I’ve been getting phone messages from a place that calls themselves “fraud division” with a Nebraska number claiming that it had taken out a loan in 2013 (which I have not), they claim that if I did not come up with 1169.50 of which I had to pay half today that they were going to forward the
• Do not let one of these companies scare you into making payments if you’re not sure you owe the debt. In most cases, collectors must first take you to court and get a judgment before they can go after your pay or property. (If you live in Minnesota, however, read this warning.)
I received a calling phone call from number 701-212-1223 stating that I had owed a payday lone in the price of $ 2097.00 and that if i did not care about this that there would be a sherrif at my door to take me to jail and for e to appear in court.
It’s frightening, to be sure, but scammers use that fear to get people to pay money they do not really owe. Before you pay anything, make sure you owe it, and that they own the debt. (They are required by law to send you a “validation of the debt” by postal mail.) Please do not agree to pay via a pre-card debit card. More about that here: The Way You Should Never Pay a Debt Collector.

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I’ve been receiving similar phone calls from 877-824-6758 and 866-981-6854, from a guy named “Bill Davis” and a woman named “Amy Rogers” who claims to Bill’s “partner” .. they first called my work and left a message with my supervisor, claiming that they have two charges against me and that if I do not contact them they are going to serve me at work. Then the call to my cell and the threatening messages followed. I finally blocked them on my cell. So, “Amy” called my brother’s phone and left a message for him, saying that I had charges against me and I was being taken to court. This really ****** me off !! What can be done to stop these people? Can I report them to the police? !!! I’m getting fed up !!!
bb – Unfortunately, the likelihood of getting your money back after a scam is next to nil, especially with them being prepaid cards. Whatever you do, do not send them any more money and as Gerri said in a previous way, “Consumers should never send a prepaid card to pay a debt collector. Not only is this a method of payment for the scammers who take the money and run, you will have no record of the payment if it was a legitimate debt. ”
First, Mann wanted to gauge borrowers’ expectations – how long they thought it would take them to pay back a payday loan. So he created a survey that was given out to borrowers in a few dozen payday loan shops across five states.
But if the only explanation for high rates were that lenders can, so they do, you would expect to see an industry awash in profits. It is not, especially today. Ernst & Young released a study, commissioned by the Financial Service Centers of America, to find that the ‘average profit margin before tax and interest was less than 10 percent. (For the sake of comparison, over the past five quarters, the consumer-financial-services industry has averaged a pre-profit profit rate of more than 30 percent, according to CSIMarket, a provider of financial information.) A perusal of those financial statements that are public confirms a simple fact: As payday lending exploded, the economics of the business worsened-and are today no better than middling. The Community Financial Services Association argues that at 36 percent rate cap, the one in place for members of the military, is a death knell because payday lenders can not make money at that rate, and this seems to be correct. In states that their rates are at 36% per year or lower, the payday lenders vanish. In New York, which caps payday
Rob Coleman from the Huntington Agency is another SCAM. Will call your work home and even people with you SAME LAST name as yours and leave the same threatening message. Then when you call the number back, it has been disconnected. They will not send you ANYTHING in writing. will not give you their financial mailing address either .. VERY INTESTERSTING
Edit: I’ve seen that the original debt is “real debt,” and while the original debt may be real, even if you’ve paid in full and can prove it, it gets resold over and over. Check out John Oliver’s story. His show is investigated and these are small-time debt collectors depending on fooling people in paying to avoid legal action that rarely, if ever, happens. He bought $ 14 million in medical debt for $ 60k and erased it for thousands of people being harassed for debts that had been paid.
“My French identity is reinforced by the very large number of people who openly declare, often with violence, their hostility to French values ​​and culture,” he said. “I live in a strange place. There are so much guilt and so much worry. “We were sitting at a table in his apartment near the Luxembourg Gardens. I had come to discuss with him the precarious future of French Jewry, but as the hunt for the Charlie Hebdo killers seemed to be reaching its conclusion, we had been fixed on the television.
Christy – Do not panic. It sounds like you’re talking with a scammer. Please read this article. Do not send them a prepaid card. If it was a legitimate collection agency they would allow you to send a check. They want a prepaid card because it can not be traced. And once you pay them something, they will never leave you alone. Read this: 9 Signs You Are Talking to Debt Collection Scammer
I worked for a credit bureau. If there is a dispute item on your credit report. You may have marked the dispute and the law of the FDCRA the credit bureau must be able to supply you with the verification of the debt within 30 days. If not it must be removed from your file.