The Ultimate Guide to Debt Collectors. And do not be so tough on yourself. The scammers would not keep at it if they were not successful scaring people in paying money they did not have. We’ll bet you will not be a victim again.
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.
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.
You can do all of us should do – check your credit reports and scores regularly. Given the number of data people are required to give Social Security numbers, we are all at some risk. We wrote about somewhat similar situation here: Help! Someone Is Using My Social Security Number
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.
payday loan recovery group, 1-877 * 601-5871, has been reported to the Alabama Attorney General for making calls claiming to have information about the garnishment of a payday loan …. we are currently tracking the site and will back track it to the source … we are trying to catch you
The bigger problem for payday lenders is the overhead. Alex Horowitz, a research manager at the Pew Charitable Trusts, says that two-thirds of the fee payday lenders collect are spent just keeping the lights on. The average storefront serves only 500 customers a year, and employee turnover is ridiculously high. For example, QC Holdings, a public traded nationwide lender, reported that it had to replace approximately 65 percent of its branch-level employees in 2014. “The profits are not extraordinary,” Horowitz says. “What is extraordinary is the inefficiency.”
Which suggests there is a small but substantial group of people who are so financially desperate and
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 … MoreSince the very beginning of our interactions with Mrs …. Read More
governed by state regulatory law. The loan renewal options will be presented to you by your lender before your acceptance of the loan. Please make sure to read the renewal policy presented to you before signing the loan documents. Payday loans are intended to be a short term financial instrument. Cash Advance® encourages all consumers to repay the loan on time and in order to avoid late payment and
I ask them to give me the number to the payday loan company and they gave me a number and I called them and tried told me that I looked like a real nice lady so they would wave the fee and everything I would have to pay back is just the $ 300 i borrowed and he told me to wait 15 because he was going to fax the law firm. So I’m going to go back and call the guy I talked with. Sean Williams told me that they offered it and went to Walgreens and got a vanilla reload network card and called them and gave them the 10 digit number on the back. So my stupid a ** did it. Well then he said he would have to call me back with my confermation number? Really ?? Well then 15 minutes after I paid them I got a call from MO telling me the exact same thing !!! And I blew up and said well maybe I need to get a lawyer and sue you! Then he goes on to tell me that he is going to follow thinking with more prosicution and that only God can help me now and hung up. So I called the firm from OK and they said it was because I owed another loan. Which I do. But mind you just got these loans on March 1, 2013 and the other March 5, 2013. How can they already be in default? Anyway a man named Ted or Tod Cummings spoke with me and said I lied to his officer. Sean Williams. And did not tell him I had another loan. Ok if you could pull up the other one why not you pull up that one? All this makes since after I’ve done give them $ 300! Then he told me to see what I could do about getting the other loan taken care of on a different vanilla prepaid card. That it was not the same card as I used before. Why? It’s reloadable. He told me he talked with the free credit and everything. I have anxiety issues have got so scared I threw up. The number they called from was 580-823-1582. So I got mad an look the number up online! It’s a cell phone the person who owns the phone is named Time. What law is you going to call from a cell phone? I can not believe I let them get me !!!!!
solutions that satisfy both sides, and I think this is a solution that does not satisfy both sides, or could at least satisfy both sides. It keeps the industry running for folks who value the product. On the other hand it identifies folks using it incorrectly and allows them to get out without you knowing being more trapped.
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.
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).
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 have been receiving weird calls from 1-888 ??? The number and recently they stopped and have been appearing as “unknown” on my iPhone. They left me a message saying something about court and I should call them as soon as possible. I deleted the message so I do not remember exactly what it said. So last night my mom returned from work and told me that my aunt told her that they called her at her house asking about me and gave them a name and the name adan alvarez. They scared my aunt and now we’re all scared. My mom is going to call them tomorrow. I’m kind of afraid because my mom is a very gullible woman. She will not call me because I’m 19. I have had a loan for school but it was through finacial aid and it was the kind that I do not have to pay until I graduate from school.
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.”
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
was surprised that I was not served. The guy said if I got served he could not help me. He said I wrote the check in 2007 and the client wants to take me to court for $ 5408 which is 4 years of interest. I think it’s a scam. I do not remember the name of the company. Is this most likely a scam? He only asked for my last 4 numbers of my Social security number ..
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
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.
The script and said that it was no longer there because it was now a federal obligation to pay them. My favorite part of the call was to be the ending …. “You’re only 24 right, so you do not know a lot about this or how bad this will affect you in the long run.” I called the Sheriff’s office and District Attorney’s office and filed a claim. Even the sheriff’s office said that they have had people call them because they have had phone calls telling them that there is a
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.
It sounds like if you’re talking to a scammer. (See 9 Signs You Are Talking to Debt Collection Scammer.) Real collectors are not allowed to make such threats (and do you really think the government insists on the payment made by a certain issuer and a certain drugstore chain). The caller is trying to get you in the way that makes your money unrecoverable once you realize it’s a scam. (See The One Way You Should Never Pay Debt Collector.)
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.
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.
I’m getting threatening call from PDL, Stacey
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.
from overseas, they are right here in the United States. I work for an outsourcing company at law firm. They called my manager on his cell phone while he was in a meeting. My manager answered it thinking that it was someone he knew since the number had the same area as the city we live in. The man on the other line told him that he was a server server and that I should call him at 855-282-0910 or I would be served papers at my job for check fraud. I already knew that this was bogus but either I called to tell them not to call my manager’s number EVER !!! When I got someone on the line, they kept telling me that I had a PDL from last year. I did not even care about that mess because they did not send me any correspondence and I know they must have violated so many laws just by diclosing that info to my manager. In the end they refused to call him and blamed it all on the server server. When I called him back, it kept going to voicemail. I even went as far as looking up his name on a website for Texas process servers. Come to find out that they can falsify caller id information so you can believe that crap. Investigative Services, whatever. Oh, the name of the collection is Westwood Asset Management. They claim that the name of their company is Huntington, but that’s bull too. I found out that they like to change names as well as numbers. Just makes me sick.
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
If you are being sued for a debt, you may be served. But they’re not going to just “haul you to jail” just because you can not pay a debt. My suggestion? Ask for written verification of the debt you are entitled to by law. They will not possibly send it.
WERTH: So far, so good. But I think we should mention two things here: one, Fusaro had a co-author on the paper. Her name is Patricia Cirillo; she’s the president of a company named Cypress Research, which is by the way, is the same survey firm that produced data for the paper you mentioned earlier, about how payday borrowers are pretty good at predicting when they will be able to pay back their loans. And the other point, two, there was a long chain of e-mails between Marc Fusaro, the academic researcher here, and the CCRF. And what they show is they really look like editorial interference.
I received a call today from # 209-910-6390. Could not catch the name as he spoke very fast and with a deep accent. He claimed that he was calling on behalf of Cash Advance America USA that was suing me for $ 15,000 for a faulty payday loan of $ 2800.00. I let him give his little talk without interrupting and he told me that someone would be here Friday at 11:00 a.m. to take me to California for my court date on Monday at 11:00 a.m. Beware these guys are getting very crafty and make a lot of stuff that they say they believe. Please DO NOT believe these guys. I just told him thank you for the call and that I would be contacting the FBI about the call because I knew from the start that it was a scam !!! He just said go ahead and that somebody would be at my work tomorrow.
You will want to monitor your credit carefully
In April of 2000, Christopher Walken hosted Saturday Night Live. During the show, he would insist that Will Ferrell add “more cowbell” to Blue Oyster Cult’s “Do not Fear” the Reaper “; Before that, however, he made an appearance in one of the SNL’s satirical ads. Clad in yellow-sweater and perched next to Ana Gasteyer before a roaring fire-and speaking in a classically Walkenan growl-the actor engaged in a bit of confession: “In a marriage,” he intoned, the fire crackling behind him, “Intimacy is important. Erectile dysfunction is a thief. It takes away something very precious. “Walken went on to announce that he and his fictional wife had discovered, together, the virtues of Viagra. “It worked,” he said, as Gasteyer smirked and the fire crackled and easy listening music played in the background. He paused. “It worked a lot.”
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.
I have been receiving calls from what sounds like the same group of folks. Starting last week I had a message from “Justin Jones” stating that I had to contact him immediately or have my attorney contact him that I would be sorry. If he did not hear from me that I would face some serious legal actions. He also said that they would come to my workplace or home and I will be the only responsible person for further legal consequences and that I should call him bsck as soon as possible before it too late. Thank you and have a blessed day, goodbye. It was very broken Indian dialect. I returned the call and spoke to Derek Anderson. Apparently Justin Jones is one of his “officers.” I was told that They would be willing to settle for $ 998 in place of the $ 1795.00 they said I owed them through Advance Payday Loan. I have never taken a payday loan. I had to give him a debit card or send a payment via Western Union right away or they would have the sheriff come to me on the following three charges. 1 breach of federal banking laws 2 Collateral check fraud, and 3 Theft by deception. I asked for a physical address so that I could send the funds via overnight delivery or some other traceable method. He did not want to give me a physical address but after much questioning from me he gave me an address of 633 Marimbo Street New York, NY 10023 But that they would not accept mail payments, only Western Union (he forgot about the debit and credit card at this point)
WERTH: I was, and what he told me was that even though Hilary
Saying you’re going to be arrested for fraud because you have not paid your payday loan is a bogus threat. The fact that they have all this information about you does not mean it is a legitimate collection attempt. And the fact that you want to pay with a moneypack is a big red flag. I would suggest you turn the tables on them and report them to the Federal Trade Commission and Consumer Financial Protection Bureau (consumerfinance.gov). Next time they call start the conversation by telling them you are going to record the call to deliver to law enforcement – and do so!
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.
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.
DUBNER: Now, Bob, the blog post is a pop version of a meta-study, which rolls up other research on different pieces of the issue. I’m sorry that the studies that you cite in the post are not just the biased rantings of some ultra-right-wing pro-market-at-all-cost lunatics. And I realize that at least one of the primary studies was authored by yourself, so I guess I’m asking you to prove that you are not an ultra-right-wing pro-market-at-all-cost lunatic.
I called back the next day and talked with Savanna again, a conversation that lasted about a minute because she refused to answer my questions and hung up … again. I called back and asked to speak with a Supervisor, which she obliged (at least I think, they sounded a awful lot like). The Supervisor’s name was Bella Sims … it seemed like she was trying to be helpful, I told her the address they had had, and the account at the bank was closed for 2 years when this transaction was made. Mind you, no one ever asked me for updated information or my address … their gums just kept to flap about how I was going to be served a criminal
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