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It’s stressful enough getting calls from debt collectors for bills you actually owe. But if you’ve ever been harassed and threatened for debts you’ve never even heard about, let alone accrued, it can be downright harrowing – and quite possibly illegal.

Today, the FTC announced that a U.S. district court has temporarily halted a Georgia-based operation from using deception and threats to collect millions in phantom payday loan “debts.”  The FTC says Williams, Scott & Associates and company president John Williams lied and threatened people to pay on debts they didn’t owe – or debts the company didn’t have the authority to collect.

According to the FTC, the debt collectors claimed to be federal and state agents, investigators, or members of a government fraud task force, or they pretended to be with a law firm.  They falsely told consumers their driver’s licenses would be revoked and that they faced immediate arrest and imprisonment if they didn’t pay up.  How did the debt collectors even know to contact those consumers?  The FTC says many of the people had inquired about a payday loan online at one time and submitted contact information, which the company later got its hands on.  The case is pending in federal court in Atlanta.

Don’t get intimidated by a bullying bill collector – real or fake.  Any debt collector impersonating a law enforcement officer or threatening you with immediate arrest if you don’t pay up is violating federal law.

If you think a caller may be a fake debt collector:

  • Ask the caller for his name, company, street address, and telephone number. Tell the caller you won’t discuss any debt until you get a written "validation notice." If the caller refuses, don’t pay.
  • Put your request in writing. If you have the caller’s address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. The Fair Debt Collection Practices Act (FDCPA) requires any debt collector to stop calling if you ask them to in writing.
  • Don’t give or confirm with the caller any personal, financial, or other sensitive information. Fake debt collectors, and other scammers, can use your information to commit identity theft and other crimes.
  • Contact your creditor.  If a debt is legitimate – but you think the collector isn’t – contact your creditor.  Tell them about the suspicious call and ask who, if anyone, the creditor has authorized to collect the debt.
  • Report the call. File a complaint with the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA.

Learn more about protecting yourself from fake debt collectors and about your rights if you actually are facing debt collection.


Blog Topics: 
Money & Credit


I just got an email from that same person "James Anderson" demanding that I contact them. I know for a fact it's a scam but it's very scary. I'm currently filing chapter 7 bankruptcy, they can talk to my attorney. I don't have a pay day loan with anyone.

Received a voicemail on my landline from "audit division of IRS" saying a complaint had been filed against me for tax fraud and I should call them back for instructions or risk being arrested by the county sheriff. I ignored it, then saw two calls from an unrecognized "District of Columbia" number on my cell phone. Ignored them. I see that number, (202) 506-8649, has appeared here in the complaints. This scam has been in the news over the last year but this is my first time experiencing it. Wish something could be done about these jerks.

I received a call last week from United National Arbitration's LLC (855-339-6004)stating that I was named as a sole defendant for a debt. The caller, Katherine Vaughan, stated that she has reviewed the information and if I did not return the call, the state has asked them to file both civil and criminal lawsuits against me. I didn't return the calls. A few days later, I had a message from a process server, stating when he would be serving the lawsuits and that he would be accompanied by the local authorities. If I needed to change anything about the service, I had to call United National Arbitration.

Unfortunately, I did call to get the serviced stopped and set up a payment plan with them. Now I am having regrets. I think this is a scam and will be reporting them to every state and federal agency that I can!

I received a threatening phone call from a very thick accented man named "Steve Jackson" 202-864-1161, says I am in "big trouble" with the department of treasury and need to speak with his supervisor, Daniel Rich. He called over and over until I would listen to his threatening message.

Has anyone confirmed if 360-646-8050 awas a legitimate debt collector, they were very threatening

Just received a call from unknown. Stated I was to receive grant money for $9,200.
I asked how they got my name and call phone number. They said from a democratic list. I was to call 3156365282 and enter a code they gave me. All seems fishy. I'm not calling it and I'm not a democratic.

They called me from 202-864-1161 said there was a case against me and that I need to talk to his supervisor forgot the name asap...I was all worried until my friend told me it could be a scam.

I received a payday loan in 2009 and paid it back. Now in 2014 I'm receiving calls from 772-205-3264 and 772-925-8003 Department of Legal Services and Litigation Firm stating I received money in a bank account for $592.00 from a pay day loan and then closed the account before the money was paid back. A Alonzo Green, Paul Beauford and Ryan Foster told me that criminal charges are being filed against me and the Sherrifs are going to arrest me for bank fraud. These people are calling my family telling them about this. I requested these documents via email, but they never sent it.

Today, someone named Phillip Turner with a very heavy accent, sounds Indian, and started calling my job, saying he got a match with my name and SSN for a payday loan I never got, reciting the wrong SSN, I volunteered nothing. When he called, he said told the receptionist to tell me that “Richard” was calling. He said he was from the federal legislative legal finance office. He told me he was calling from the State District Attorney he told me he is a federal agent.
He said that I have 3 warrants for my arrest and that he needs the name and number of my retained attorney or they will come after me. I asked repeatedly what he is calling for and he said he does not have to tell me anything to just give him the name and number of my attorney. I told him he is wasting my time and causing me issues at work, he said he did not care and to call some guy in CA named Mark Victor at (916) 245-0095 ext 121. I told him that if he has my information, then to please send me something in writing. He said he does not have to and that I can just watch it unfold if I was not cooperative. Now I am getting emails with attachments that look like FBI letterhead, written in broken English, saying they have a court case. Someone with the exact same voice and accent calls me over and over each time naming a different big bank, Like Bank of America, saying congrats, my loan is approved.

Can a payday loan or any other creditor "require" you pay only by EFT?

I received a call from a quote a law firm but no live person only the message said you must call within 24hrs or we will garnish your wages and take legal action then they left a case number on my machine
the number was 269-456-2125 from Michigan
they left another number 989-460-2703

has anyone received these numbers
what did you do

This sounds like a scam. Don’t give or confirm with the caller any personal, financial, or other sensitive information. Fake debt collectors, and other scammers, can use your information to commit identity theft and other crimes.

Just got a phone call today from 678-324-4334 stating I had 48 hours to respond to them or legal actions would be taken. ARC is the company name (supposedly) from Marietta, GA. They didn't leave a Phone# to call back. I don't have any credit cards, no debt, no why am I getting calls??? Looked up the phone # online and everyone is stating its a scam...some have been getting threats from that # for 4 years... Yet nobody is able to get an address???

I've been receiving these calls for 5 YEARS over a debt (sometimes it's a payday loan I've never had or an "online loan" that I've never had, from time to time it'll be a credit card.) And it's always the same tactics. Different company name, different location and phone number. They're nasty to me, especially when I tell them I work in Debtor's Rights la and that everything they're doing is illegal. I have an attorney involved as well as filed a complaint with the Attorney General. It infuriates me that lowlives like them have my soc, address and name. And that evidently, there's NOTHING I can do about it.

Ever since July I have been receiving calls from Regency One Capital regarding a payday loan debt from Fireside Cash. I did take out a loan with them and several payday loans because I was in debt but I wound up in further debt and filed Chapter 7 bankruptcy last summer and a judge discharged all of my debt including payday loan debts. Now in July, someone has been calling me about this debt and I told them that it was discharged under my Chapter 7 bankruptcy and the witch I spoke to told me that my PDL was not dischargeable in a bankruptcy. Tell that to the judge who discharged it! They then called threatening to come to my home and serve me with papers. Bring it on! My bankruptcy attorney and another attorney I retained who handles these matters would love to sue them!!!

I received a call from 801 214 0421 (allegedly CFI from Salt Lake City Utah) advising I owed almost $700 with taxes and fees on a cash advance. I'd no idea what they were talking about and though I advised I would call back after 5:30, they immediately called back and kept rotating calls to the tune here at the office of almost 200 in 15 minutes. They were coming from 503 110 8366, 393 566 2395, 523 310 6366 and PRIVASATE and UNAVAILABLE. We can't block the last two but keep advising our phone carrier as the new numbers come up. We called the police but they are local and hands are tied. Just have no way to stop them.

Received a call today from Steve stone. Said he was a private investigator and I needed to call 8442386026 as there was a warrant out for my arrest and a summons for fraud. So I called the number to find out what I knew already. A scam. They said they represented green cash now. Told them I never heard of them but as you know they insisted I did. So I said whatever.

Later in the day I decided to mess with them. I called them back and asked for pertinent information and no surprise it was wrong. Told them to destroy my info as out was identity theft. They said well send out you summons and I told them go right ahead and I'll see you on court with my bank statement showing that there was never a deposit. They hung up on me. So I called them back and said that's not very professional and they requested that I stop calling them and hung up. So what did I do, I called back and asked them what are you going to do. They hung up again. Guess what I called them back again and someone different answered the phone. He told me that s summons was in the mail and I said good than I can file a counter suite for identity theft. Guess what they hung up again. What did I do? Called them back of course.Told them again that was unprofessional and I demand more respect than that. They said you just wait till we're in court. I told them they don't know who they are messing with. Do you know what they did. Yup hung up on me again. I let them go this time. Was getting board of this game.

I am getting calls from multiple states every day. I usually don't answer and just ignore the call.
It's getting pretty annoying though!! The # from OH is (513) 286-1876. The # from MD is (410) 220-0295. The # from GA is (678) 487-8455. The # from NY is (516) 926-5125. Pretty tired of all of these #'s calling me everyday. Tired of them telling me I am being served. I've never done anything and I don't owe anything. LOL!! SERVE ME!!! Please!!! hahaha Quit freaking calling me already!! Put up or shutup!

I am continuously receiving phone calls from Arbitrary Mediation stating that I owe money for a credit card. I keep trying to tell them that the account is closed and can not be collected on. I have already registered my number in the do not call registry and they still call me.I have been told that they know name, dob, and social and they read it off to me, that they will not stop calling me,they are so rude when I tell well rudely tell them I am not stupid and know that they are a scam. Last time I called they had asked me what company I was looking for!!!!! I really need something done I have already filed a complaint its getting ridiculous, they tell me that they do not apply to the do not contact list because they are a collection agency, which clearly they are not. When is a enough enough?? I want the calls to stop

I have been getting calls from a 216 area code number telling me they are taking legal action for a debit. They are calling my work and now my family. I have talked to them so I know it's a scam since they will not mail me any actual information or give me a mailing address. How do I get them to stop harassing my work and family. This is a new low and I'm afraid I might loose my job over it. They call about every 20 minutes. I sent information to the Trade Commission but it's getting real bad.

I have had repeated calls from a company called NCS who threatened me and my mother. In fact, they gave my mom info on the alleged debt that I owe and told her they were coming to "get me". When I argued the FDCPA, they told me "oh I'm going to get you today" and accused me of writing bad checks. They also told me "good luck" and we will be locating you today. I asked for written verification which they emailed me and the letter does not contain information pursuant to Section 809. 877-389-1232.

I have been getting calls from 425-298-3923 and 910-216-2362..its an obvious scam So since nothing can be done about it.. I decided to call the scammers several times a day and harass them. They told me not to call back. I told them for every 1 call I got from them, Id call them back 5 times a day. I have blown whistles in their ears.. made a foreign voice like they do and tell them they owe me money!!! Try it it works

425-298-3923 and 910-212362 has called me for the past few days. So I finally had enough so I told them for every 1 call I got from them they would get 5 calls from me.. I blow whistles in the phone. I disguise my voice and tell them they owe me money and I say crazy rude things!!!! They told me they were going to get me for harassment. I told them to PLEASE call the cops! so lately every morning before I head to work I talk to "Mr Black" lol

This guy Kevin Harper is at it again, leaving threatening messages over breach of contract and serving me papers. Last time I actually talked to this guy turned out that it was a supposed debt (Not mine by the way, from 1990.... If you get a call from 972-362-1077 and you answer the phone. DONT tell them your name. They will ask you to verify your name, and I never do unless they tell me who they are calling for and what it is about. Then I tell them they have the wrong number and take my number off their call list. It works for a little bit. Spoke to SF Police Dept, and they said this is how we should handle it since they can't do anything about it cause it's always in a so called safe state.

I have received phone calls from 2 different companies saying the same thing that I had a payday loan that I didn't pay on a closed account for $510. I have been threatened with being served papers at work and garnishment of my wages.

Delaware Solutions
National Management...
Advanced Capital Solutions

All were 855#s.
I explained to each company that they all said the same thing. I asked one irate person to email me detailed documentation of the debt. He never sent it, but he called me within 15 minutes of my request and left a threatening voicemail.

Received a call from a Mr. Sparrow from 404-994-1731. He had called two days prior and left a message on my work voicemail. Today, he stated that he hadn't heard from me, and needed a Statement of Intent, (didn't specify for what), and failure to contact him would result in a formal complaint being filed against me.
On the 10th, he stated that he was contacting me because of a case that had just came across his desk, concerning activity on a bank account. He threatened the same thing, that some type of complaint would be filed against me. He ended both calls ominously, "you have been notified". Today, he stated that if I don't respond, he would have no choice but to notify my employer. I'm not afraid...just annoyed. If I find out what company he works for, I'm filing a formal complaint. Alas, when I call the number back, it just rings.

I have been getting an email from a saying I will be arrested for a payday loan if I don't pay 740.00 right now.

I received a call on yesterday from 714-676-4599
they left one nasty message! they stated that I was going to be arrested from my home or job. I call the number back and talked to some guy that I could hardly hear or understand. He told me he was from John Hill Law firm. He said his name was James
Wong. He told me I was being arrested for bank fraud and theft by deception. He would not give me any information other than an amount of 1424.00. He told me that if I was will to pay it he would stop my arrest. He even tried to get me to make a 500.00 payment and set up a plan for the balance.
When I didn't do so he got upset and hung up.
I am very shakend by it all. This was my first call.
I truly hope they don't call again!

So, I have received so many scam calls since I did the pay day loan application online. The most recent one is where I got several Private Locator phone calls from unknown numbers asking me to call 1-844-577-3345 and reference a case number. I called and every time I request information to be sent to me they wont give me any information because I refuse to verify my personal information that they try and get me to verify. Like ssi and address etc. They claim to be called NRA, LLC. When I search online there is a National Recovery Agency but when I called they said they do not use private locators and they do not have the same phone number. And finally one person called me to say my case was leaving her desk to have me served and that is was for a payday loan from Canyon Creek. None of my debts are under that name. I asked for original loan papers and she said that will be in the papers I sign for. nightmares!!!

Has anyone received calls from a man named Shaun Archer? He has been calling me and stating that he is a locator for a company called nationwide and that a claim has been filed against me and he needs to verify my address to deliver the claim. I told him that I would not verify any information until he informed me what this matter was about and where his company was located. He transferred me to another person who basically told me the same thing. He said he was from nationwide finance and that he needed to verify my information. I told him that I would not verify information until he told me what this was in reference to and what his company address and telephone number was. He told me he could not disclose that information until he was sure I was the correct person. So, being at a standoff, he hung up. They have also called family members and told them that they needed to find me reguarding pending litigation. Shaun Archer called again today, He said he was still trying to verify my information, went through the same conversation as yesterday. He told me the company was located in Pheonix< Arizona but that he couldn't give me the address. He said the Phone number was 888-234-2697 and hung up. The caller ID on my cell phone says he is calling from 469-795-1853. I would like to file a complaint but I'm not exactly sure what category it shuold be filed under.

My mother in law has been getting phone calls from someone with the same name- Shawn Archer.He has been saying her son owes money cause he commited fraud with the bank and he was going to priaion for 20+ years and that the state was foing to get his kids! Basically trying to scare about $4,000 out of her. They wanted her to wire the money to Florida. He called from two different numbers. (832) 661-1969 and (904) 444-7429 gave the name Timothy with the second number. My husband called both numbers and the same guy answered both times! This is ridiculous, he is scaring an elderly lady, having her think her son is going to prision, and the grandkids are gonna be picked up! These people need to be stopped! He also said he was an attorney, but I couldn't find an attorney linked to that phone number. It only comes up that they are cell numbers.

I just received the most brutal call from WELLS, Turner, and Associates. He said it was an attorny office. HE said he was filing a felony charge against me for a payday loan. IF I did not pay today, I should turn myself in jail cause my fraud charge from the payday loan is 90 days. The number was from Texas. (832) 742-6045. They also kept asking me to hold, let me let you speak to senior Associate. When I hung up on him, HE called back and left a rude messsage o voicemail.

I keep receiving calls with no message from 608-299-7037 claiming to be Lyman & Turner Law Firm. I called them back and asked who they were and what they wanted. They became very rude when I would not provide them with me last 4 of my social security. They said I owed a payday loan for $300.00 from 10/2008 and they have the right to collect 395% which would be $1095.00. I told them I never heard of this company and did not owe them anything. They said that I was refusing to pay the debt so they will process the paperwork for a law suit. Then hung up on me after I asked them for proof in writing and a copy of contract that I supposedly signed. They called again shortly after that, I again asked for validation of the debt they say I owe, they refused, so I them asked for them to give me the address and name of their company, they again hung up on my after arguing with me that they will not send any more letters out. I havent lived at the address they gave for 4 years now. I then called them back and asked for the address again to send a cease and desist letter he was rude and gave me a address. I have googled it and the name they gave me, nothing. So wouldn't you think if they were legit they would come up in a search. YUP SCAM !!!

Ben going through this for a number of years. Debt collectors trying to collect on a CC that hasn't been used in over 14yrs. The debt is not valid, but won't stop them from trying. I've sent cease and desist to one collector and they sent my a 1099C afterwards. I let the IRS know about what happened and it is documented.
My alleged debt has been sold off to other collectors since then. I get letters, calls about pending litigation, wife and inlaws have been called; it comes and goes in waves. I've told numerous collectors to send me the documents, none have thus far.

I wonder can a payday loan put a fraud complaint against your License. I had a payday loan once I paid it off. Then once I didnt look at my account for a week online. I realized a while later 2 more places gave me money I didn't ask for. My bank told me to close account for my safety, and notify those places and send them the money back. I thought it was all taken care of . But now I get phone calls, saying she is Karen Davis from an investigator office, that someone put fraud complaint against me, that a warrant is coming, if i don't contact them or my lawyer.Can they do this ? Put a fraud against my license? I don't understand why now , we paid those ones that were put in our account

I had somebody call me to and did they have the last 4 digits of my social security number and told me I had a payday loan and when I told him I didn't they said well if you didn't then you don't have to worry about it and I said I don't and that was the end of the phone call I believe because I heard everybody has to be entered into some kind of a database or something if they ever did get a payday loan that somehow fake lenders were able to access that government database or that database that we were put into which I don't believe is right because how would they get the last 4 digits of my social security number and how would they know where some of the people worked to and so the best thing to do is just flat out tell him that you don't know what they're talking about that you don't know it and they bring it on don't give them any information don't argue with him just flat out let him know that you are falling for their scamand it'll be the last time you hear from him them. Never click on links and emails and take a second to think about it when you do get as scary email or scary phone call or one that stresses you out thinking that you over you're going to be arrested and take a sec to really think about is this really the way the government works or is this the way that things are supposed to be do I really

I took a loan and I am responsible for payment and they won't work with me. They say I have to pay it all up front or I will be charged with check fraud and they even sent a detective out looking for me. I am just wondering if this is legal and don't know what to do. Any suggestions? I want to pay it but can't all at once. The number begins with 303 and the guy has an accent I can hardly understand.

Advance America Loans all Indian Accent people took my money and sent me a threatening email about fraud and a warrant. I did not have aloan with them they gave me no money only took 500.00 from me and demanded 99.00 from me inorder to cancel with a refund. They were out of Texas 210-755-2429. I filed a complaint with The Frederal Trade Commision/My Att General and on the FBI website

I got a similar email saying i owe money from cash advance america and i have never done business with that company. they went as far as saying if i dont pay up they will issue a warrant for my arrest and summon court papers and i will have to pay for legal expenses as much as $6300.00. so when i contacted me me back they wanted me to ge green dot money pak to pay the 479.00 and i almost did it when i went to CVS to purchase the card the lady ask me what i needed it for and i explain it to her and that is when she told me it was a scam and there has been a lot of ppl that had one this and find out it was a scam.

I got a call from ARC Artibution claiming that they had made several attempts to reach me but it was at an old address from like 2004! Now they are saying I have to appear in court because of an old credit card that I never opened up? It all sounds strange. They called me from 1-855-977-2083.

I have also received a call from ARC Arbitration, LLC. When the call came in, not recognizing the #, I just let it go to vm. A young woman's voice, speaking
Oso fast I had to play it back several times to understand what she said, which was: a delivery person would be "in my area" @ 1:30 pm with a packet of papers requiring my signature. If there was no answer when they attempted delivery it would be considered contempt by the court and it would also be considered a "failure to appear". She said if there were any issues, or if I felt this was an error I must call 1-855-977-2083 To not do so would cause litigation to be brought against me.These people are extortionists.

Has anyone got a call from these two numbers 210-714-2371 lady named Tracy perices and this number 215-970-7033 guy name Chris Baker the said they were from rapid recovery pay day loans and that owe 1300 from two different loan places first was CMG and then riverside loans if I did not pay the I will have a warent for my arrest

Hello Missy2354, I too received this call with the same threat on 11/24/14. I suspected fraud but minutes before, I received a call from my county clerks office confirming the claim. This call from the county scared me into making a payment. But when I saw the charge on my bank statement, it was from CHECK CRD PURCHASE 11/24 AVENTIS MARKETING 770-884-8026 GA and what struck me as weird aside from the name Aventis Marketing Group, it came up as a PURCHASE. When I've made payments like this in the past, it does not come up as a purchase, but as a PAYMENT. I am looking for an attorney, I believe this is a scam. I hope this helps.

I am getting messages from Independent Services stating I have a two part felony charge on their desks and that its being given to the district attorney and sheriff so they can come arrest me. They even go so far as to tell me to put my dog away..get someone to care for my children while I am in jail. I call them and its a collection effort on behalf of cash net USA. They say unless you provide your bank or credit card today you will go to jail in the morning. The number called from is 844-299-4388.

I got a call from someone from a law firm calling about loan payment I owe. They told me if I did not call them back within 30mins they will contact my local sheriff's office to have me arrested. They left a message while I was at work. I have other loans way past due, but I have taken the proper steps and contacted the creditors about those loans. I am a bit worried.

i am wondering if anyone can give me any information.I was contacted by jason kline with the Lincoln Group,Association 323-302-4643 due to a debt i had about 8 years ago. I saw it as an oppurtunity to clear up bad debt. I did not look into further as i should have and i paid 600.00 towards the debt however when i tried to make arragments for the next month because i was having a hard time paying it he was very rude demanding and unprofessional whihc made me look further into it and all i can find on the internet are people saying this company is a scam i cannot find a website or link for them at all. They have threathened to contact my human resource dept but there is no judegemht against me i have not been taken to court or even filed against legally. They have given out third partry information and they continue to call my place of employment when i have requested them not to. i requested a verification letter and they said they will send me a demand letter. i requested another person of contact supervisor etc and they ignore my request. I only have the name and this number to directly contact this one individual. I would like to know if anyone has any information on this person phone number or business or what i can do.

Got a call today from an unknown number said I owed them money and if I didn't pay I would be charged with fruad. The ladys name was Liz Montgomery out of offices of Atlantic.Like a dumb a** I got freaked out and gave her my debit card number and they are supposed to take money out of my bank on the 20th When I asked for her address she wouldn't give it to me. So should I cancel my debit card and not pay?

I would highly recommend that you do! You need to check with your bank and see if it's already been taken out of your account. Always ask for proof in writing! You can look up the number by typing it in the search and see if this number comes up with other scam complaints.

I received a phone call today from a place the lady called claims mediation stating that they were collecting on a bad check from 1993! I have never heard of the store they said I wrote it to. I don't recall ever writing a bad check! I asked the lady to mail or email me proof of this and she said they could not do that and that attempts to contact me by mail years ago by the company failed so they are not obligated to send me anything on this now. She refused to send anything by email for me to look at while I was on the phone with her. She asked me how I wanted to take care of this debt... Either pay now by credit card or they will send it to court. Told me that if I ended the call without paying that they will send it straight to court for further actions. She ended up putting some other man on the phone and again I said I wanted proof of this and he began threatening me. Heard my child in the back ground and even use him against me! Said "I see you have a child? How would you like me getting a lien against your home and assets? Think about your child!" I told him to not bring my child into this and I got upset with him and he just went nuts on me and said he wasn't going to deal with this and hung up on me. My husband was upset and called the number when he got home but got a recording. The first number the lady called from was 425-209-1678 and the number the man called me from 844-858-2910. I decided to hang up on the lady when she said she was transferring me to whoever was in charge so he called me back.

I received a call from a man who sounded very professional. Said he was a civil investigator. And he had a order from a creditor or creditor's. . About my business having done fraud and such. Then he said I used my name, my mom's name and my dad's name and said he had papers for us.. and then he ended the call with you have been notified and this will hold up in a court of law. Call 8662103297. . Case number..

So I'm freaking out .. called my dad he listened to the message.. He said it sounds bugus. I said why.. He said first who's this guy with he never stated who he's working for.. Second is this a creditor or creditors. Which is it. 2nd he said he has papers for us.. so why hasn't he mauled them or served them. Also the number he left was a 866 number my dad called it it was a answering machine with some company stating all operators were busy. Also he called my home and cell using two different numbers which came up nothing when go ogling them.

As my dad says you must be served first.

So with that call tour court house in your city. And it's usually a 1 buck to pull records. My sister did this for me and nothing comes up at all under any of our names. Could be a old debt or fraud. Bottom line I'm thinking it's a scare tatum to call .. oh and he stated 3 guys will be conducting a off site investigation. . Lol.. investigate what. I'm small business owner who works out of my home.


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