MARC FUSARO: The Consumer Credit Research Foundation and I had an interest in the paper being as clear as possible. And if anyone, including Hilary Miller, would take a paragraph that I had written and re-wrote it in a way that made what I was trying to say more clearly, I’m happy for that kind of advice. I’ve taken papers to the university writing center before and they’ve helped me make my writing more clear. And there’s nothing scandalous about that, at all. I mean the results of the paper have never been called into question. Nobody had suggested I changed any other results or anything like that based on any comments from anybody. Frankly, I think this is much ado about nothing.
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.
Thanks for taking us step-by-step with how you checked out the person calling you. The steps you took, and the reports you made are smart – was not being scared or panicked in paying someone you did not have. Thanks for sharing.
While it may not be possible to stop these scams (they are typically coming from overseas and may be out of reach of US law enforcement), US lawmakers have to try to stop them at the source. They need to crack down on the websites where consumers are entering their personal information that is then compromised.
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
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.
DEYOUNG: Well, I do not know what the president would buy. You know, we have a problem in society right now, it’s getting worse and worse, is we go to loggerheads and we’re very bad at finding
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.
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.
A Review of the Department of Defense’s Report on Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents, hearing in the U.S. Senate Committee on Banking, Housing. & Urban Affairs, (September, 2006).
I just got a call stating that i was for fees for payday loan company, it really freaked me out because the message left on my answer machine said something about restraining order and they used my maiden name so I called the number left on my machine It was 813-217-5283 I asked for Tina Charles the woman who left her name I got this guy and he said well the loan company that found the lenders got a fee and that’s what i defaulted on i told him i did not see that in any of the sites and he said that sounds ridicules I told him you sound ridicules and then i yelled goodbye and hung up. I would not have given them any money any way but still it freaked me out
Same phone number only was a Tina, wanted to pay me $ 690.00 to pay off pay day, asked for the original bill said they didn; t have it, gave me 1 week then garnishment called my lawyer yet to hear back.
Recd a call from 877-269-0088 from Miss Rios stating that I had 5000 for a payday loan first of all you could not take that much money and the second of all if it was from 2 yrs ago and when I asked them to send docs They said they did not have I told them I do not pay anything unless I signed it and I have copies of it. They threaten to garnish my wages, they could not understand what they were from. Then just today I call from phone number 877-258-1188 from Miss Berry stating that my payment was not gone thru well duh not i did not have anything and she left me a msg to call her back in 2 days as she was going to garnish my salary fat I worked for the federal govt and they wld love to see this come thru talk about jail time i am lmao on this one already contacted authorities and changed bank accts BEWARE THEY ARE IDIOTS
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
reports, and at least, check your credit reports annually. You can also monitor your credit score for free using Credit.com’s free Credit Report Card. If it changes drastically, you’ll know to investigate further.
This has all the classic signs of a payday loan scam. I would encourage you to report this firm to the authorities – FTC, CFPB, and tell them next time they call you call their call to report them to law enforcement.
Anyone who tells you you must pay in an hour or that you will be arrested is a scammer. A collector can not have you arrested, and certainly can not summon law enforcement to arrest you because you did not meet their deadlines. A legitimate collector would send you a written validation of the debt. Please do not pay. You can read more signs of scammer here: 9 Signs You Are Talking to Debt Collection Scammer
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.
scammers start telling you you’re going to be arrested and they’re going to garnish your salary THAT’S BULLS # $ T. That requires a court order and by law you are notified of the court date in writing so you have a chance to show up. No matter how much they threaten you NEVER give them your personal information, bank account numbers, social security anything. They’re on a fishing trip and the more info you give them, the easier it is to clean you out.Notify your family, friends and especially your boss that you are being scamed.Then if the scammers call them they will not be caught off guard.Let a stop to these theives, all debt collection is regulated by Federal Law. Get informed. Know what the Statute of Limitations is in your state. Do not answer the phone and give these scammers an invitation to make your life miserable.
You need to get a handle on the collections process. before you make contact with these gubbers, because they will know if you do not know your rights and they will push you around to get you to acknowledge the debt, accept it and agree to make a payment. That means never ever acknowledges, accept or agree to pay a debt. Period! Even if you owe. Never! Follow the law and get a VOD first. Never ever confirm your details to them. If they claim you are a federal law FDCPA, the burden to be so is on them, you should have your details down. So just tell them to send whatever they have to the address on record. The reason you do not accept a debt is if the statute of limitation has expired for FDCPA the debt is time barred and noncollectable. If you accept it, it restarts the clock all over again.
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.
Last year, bike sharing took off in China, with thousands of bike-share companies quickly flooding city streets with millions of brightly colored rental bicycles. However, the rapid growth was largely outpaced immediate demand and overwhelmed Chinese cities, where infrastructure and regulations were not prepared to handle sudden flood of millions of shared bicycles. Riders would park bikes anywhere, or just abandon them, resulting in bicycles piling up and blocking already-crowded streets and pathways. As cities impounded derelict bikes by the thousands, they moved quickly to cap growth and regulate the industry. Big batteries of impounded, abandoned, and broken bicycles have become a familiar sight in many big cities. As many of the companies have been in the bigger and too early have begun to fold, their huge surplus of bicycles can be found collecting dust in large vacant lots. Bike sharing remains very popular in China, and will probably continue to grow, only at a more sustainable rate. Meanwhile, we are left with these images of speculation gone wild-the piles of debris left behind after the bubble bursts.
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
better thanks for educating me on this scam.
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.
The explanation for this is not simple, and a variety of economic jargon floats around the issue. But it’s all started with this: The typical payday-consumer loan is too desperate, too unsophisticated, or too exhausted from being treated with disrespect by traditional lenders to engage in shopping. So demand is what economists call price tax. As Clarence Hodson, who published a book in 1919 about the business of small loans, put it, “It is not possible for bargain to benefit with cupidity.” In its last financial year, Advance America, one of the country’s largest payday lenders, wrote, “We believe that the main competitive factor is customer service, rental, convenience, speed, and confidentiality.” You will notice it did not mention the price.
It may not even surprise you to learn that the Center for Responsible Lending – the non-profit that’s fighting predatory lending – that it was founded by a self-help Credit Union, which would likely stand to benefit from the elimination of payday loans. And that among the Center’s many funders are banks and other mainstream financial institutions.
“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.
Today I came in from a stressful day, phone rings and it’s some stupid chick telling me I was going to be served and did not call this number at ADR – 877-801-8348. I asked her what was she talking about. She said, “I can not tell you the records are sealed!” She said, “If you call this number that will prevent you from a lot of trouble!” I said “No thanks, I would rather know what the trouble is , serve me! “I live in a remote part of the country – PO Box only – I also knew I had not been responsible for anything illegal. Have been a grown up now for several years and knew -my life was clean! I told her if she called me back that I was going to turn her into the AG’s Office and hung up. A few minutes later my mom called some girl was looking for me and I needed to call that number. My mom is 83 and we just went through the lost, my dad and my brother-in-law. None of us need this at anytime in our lives. I WILL turn them into the authorities if they call me back. I hope everybody else will do the same. I told my mom not to even think about talking to them or anyone else who can not identify themselves or their company. It’s a shame such evil lives in our world … find a job, do something honest for a change. We have enough crap going on without these scumsuckers bothering us or moreso our parents! BTY the girls name was CORY.
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