The call was about a cash advance loan that I received over the computer in 2007. They said I owe $ 1500 and I had to give them at least $ 25 before I got off the phone with them or I would be arrested and have to spend $ 5000 to get out of jail, have to pay short money and get put on probation.
Ana – Do not pay a penny until you verify this is definitely a legitimate debt. Ask them to send you a written notice of the debt by mail (not email or fax). This is your right under federal law. If they refuse to call Fraud.org for advice as it’s probably a scam.
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.
Just got a call from a place called themselves Capital Services. A bit aggressive, had my information, what banking bank has and social security number. I run my credit reports every year. These people said they were representing SJM Marketing for a payday loan I took out in 2009 and was defaulted. I have not seen any such place on my reports. They had my address, but not the one I was living in at the time. They had my wife’s new email address, that she did not have at the time. Their number is 646-354-2096.
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.
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
I fell for this, but I paid them because I had taken pdl out and I could not remember if I paid them. just last week they called again asking for money. When I went to send it westwest union it stopped you and I was able to get my money back. the number they call me from is 425-440-8053. I filled a report with the CSPD and got a number case. they told me if this man called back to give him the case number and the police number and have them call the local police station
Joseph – You may want to alert your employer. This scam is well documented from many sources so hopefully your employer would be understanding if you explained that you are being targeted by a scammer.
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.
A “Russell Florence” left me threatening voice mail warning me that I would be getting useful paperwork next week from two complaints filed against my SS # (the SS # was not verified on the message)
We are working on some of our payday loans clients and they are getting these same calls. One of the customers were scared in paying them until I looked it up. They said they were from payday loan recovery group. Saying she owed a loan from 2008 for 1,200 and she could pay it in full for $ 399. She was scared in paying but I told her to cancel her creid card before it went through. They send her an invoice on the decline. The processing company is http:
lending at 25 percent a year, there are no stores at all.
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
In the end, if they can not answer your questions or validate the debt (in writing), it’s probably a scam. In which case you may not be able to do much about the call but you can report them to your local law enforcement, your state attorney general, and the Consumer Financial Protection Bureau. You may even want to inform the caller that you have taken these steps.
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
be right because the data at least suggests that most people have a fairly good understanding of what’s going to happen to 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.
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”.
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.
No, debtors are not allowed to threaten you. The Consumer Financial Protection Bureau is now taking complaints about collection practices. You can file one here:
Bob DeYoung makes a very complicated argument about the use of payday loans. Instead of “trapping borrowers in a cycle of debt,” as President Obama and other critics put it, DeYoung argues that payday loans can help people avoid a cycle of debt – like the late payment of your company company charges for an unpaid bill; like the overdraft fees or bounced-check your bank fees may charge you.
Regardless of your current situation, we can probably help you with a convenient solution. Compare and contrast different types of advances customized to help you in your unique situation. You will then be able to choose the best option and start the process of taking control of your finances in an efficient manner.
for you to show up “. If they go to blatantly, they can use their own tactics against them.
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.
In your case it sounds so much like the rest of the scams others have shared here on this post so it’s wise to keep on guard. The next time they call, try to get as much contact information about the company – including address, contact phone, name, etc. – then ask them to please provide written documentation in the mail to validate the debt. As we have stated in previous posts, 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.
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!
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 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.
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.
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
So far I’ve closed the account and opened up a new one. Put fraud alert on my credit reports and requested from my bank transactions from the years of the CRS Solutions have me the loans were supposedly taken out.
caller states they will be taking legal action, that the sheriff will be at my house or work place to serve me with papers. Knows my address and date of birth and employer. Says I owe $ 1,100.00. He says I can have my lawyer can him. He speaks with a foriegn accent and sounds exactly like the guy who called 2 months ago for another company threatening the same thing. I paid the debt last time I got SCAMED? The name the guy gave was Mr. Flood and number was 310-999-0442. Please help me !!
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