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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 got the same letter today. I'm going to report it. It says I owe $1245 also and is signed John Miller.

405-673-5800 is a Scam Phone Number. These people are back at it Again!! They had information that was old so I knew that it was a scam or not real.
had information that was old so I knew that it was a scam or not real. They give me a case number they said that has been filed against me but when I start asking about it they get defensive and I've had representatives hang up on me. Also I have never taking out a payday loan.

I keep getting the same calls on my cell and at work about check fraud charges and that if I don't respond, they are going to file charges in the county of my state against me. I have also been getting constant texts and voicemails about being pre-approved for a loan that I "supposedly" applied for. I have never applied for a payday loan. I suppose my only choice is to keep blocking their calls and file complaints, right?

I have gotten call for the last three days from a media data saying if i didnt pay them 361.22 within an hour from a bad check i wrote in 2007 to me n eds that they were going to press charges by 9:00am the next day i made a police report an today i had some guy call me from Georgia yelling an harassing me telling me all jids of stuff knowing my address an social im scared an dont no what to think the first call i got was from georgia but the area code was 559 from fresno county i vould use some advice i really dont no what to do

The FTC’ s article Debt Collection has information about your rights. Report problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

If you owe a debt, ask the debt collector in writing to give you written proof of the debt. It's against the law for a company to not give you proof of the debt.

If the debt is old, a collector might not be able to sue you to collect. State law determines how long the debt collector has to sue you. Read this FTC article about Time barred debt. To find out the time limits for different kinds of debts under state law, check with a legal aid lawyer, another attorney, or your State Attorney General's Office.

Just filed a formal complaint with the FTC and State Attorney General. We have a bounty on thieves like this in my state.

Get on the do not call list.

received a call today from 501-291-1947 stating that there is fraudulent activity under my name and social number. I was instructed to call back immediately, do not wait until a summons has been sent to my home or place of employment. I called the number back to see who it was and the company name is given as Intel, nothing else.

I recevied a call from National recovery (360) 282-0254 stating that I am being sued and the phone call serves as my notice. HAHAHA!!! Stupid can't be served on the phone. Bloacked the number,

i got the same call from atlatic consumer support llc, claiming I owe a payday loan from nov 2011 that I closed checking account and I defraded the company, I work in collections myself and follow FDCPA this guy used three different names and never spoke the MM to me, when I asked for verification of debt he said he would not send I told him I wanted his address for my attorney he said that they don't except document from attorney, I also told him to cease and deceased all contact he said he would call me everyday, then said that a locater was coming to my home and work to serve me papers, if I didn't set up payments bi weekly via debit or credit card, I told him I was filing chapter 7 he said he checked the national bankruptcy data base and did not see anything so he would add the locater fee and court fees and hung up what should I do I already reported this to FTC and found this company does not have a license to practive collections what should I do now??

If you don't owe the debt he called, he could be a fake debt collector. A fake collector might have some of your personal information, like a bank account number, name or address.

A caller may be a fake debt collector if he:

  • wants you to pay for a debt for a loan you do not recognize;
  • refuses to give you a mailing address or phone number;
  • asks you for personal financial or sensitive information; or
  • exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

Thanks for reporting to the FTC. You can also report calls like this to your state Attorney General’s office and the Consumer Financial Protection Bureau.

I received a call from National Billing stating that I had an outstanding debt of $600 and some odd dollars. They sounded very believable. I gave them my personal information and my account I have been charged 201.38 for the past two months. They told me that they would send me confirmation of paid in full once all the funds were received. Can I go back and dispute this transaction? It was done on credit card and I have one more payment to go OR am I SOL. I googled them and cannot locate. I am a bit dummy.

The Fair Credit Billing Act (FCBA) lets you dispute certain charges, including charges you didn't agree to and charges that list the wrong date or amount. Read about the FCBA and how to dispute credit card charges in this FTC article

I am deaf, how do I know if/when a debt collector tried to call me? I am trying to find out how to do a debt validation, and everything I read says it has to be done within 30 days of the first time the debt collector contacts you. But I have never received calls because the only phone number I have is a text number, and I make calls through an internet relay provider. What can I do?


If you have a debt, you should always get a written notice first.

The written notice might come from the person or company you owe. Or, it might come from a collector that works for the person or company.

If you have questions about the debt, use the information in the written notice and contact the person or company that sent the notice.

If you know you owe money, but you haven't gotten a notice, you can contact the person or company yourself and ask them to send you information about your debt.

For the past few days my employer has been receiving numerous calls from a Christopher "Chris" Reed from City Management. He asks for me by name and/or my department. When the receptionist and my boss both told him I wasn't able to accept these calls he became very rude and has continued to call each day. He finally got through to HR who verified that I still work here but he continues to call despite everyone telling him our company does not allow for such calls and to stop. I filed a claim on the cfpb and awaiting a response. I have never received anything in writing from this company and don't even know what they are claiming I owe. Has anyone ever had any interactions with them? They have at least 2 complaint on the BBB about them.

It's against the law for a company to not give you proof of the debt, or to tell other people, including your family members, friends, and employers, about the debts.

Debt collectors also can't lie, and say they are lawyers if they aren't. You have the right to sue a collector in a state or federal court within one year from the date the law was violated. The FTC’ s article Debt Collection has information about your rights.

Here is a list of  debt collectors that are banned, by federal court orders, from participating in the business of debt collection. The name you mentioned is not on the list. Your state and local consumer protection agencies may know more.

I received a call from work. Basically stating I had to give her 600 dollar at that very moment or I was being charged with 2 felonies. When I asked for any kind of information she became very rude. Now she has contacted my ex husband an probation officer. I'm so lost nervous an scared. I didn't believe her till she called the courts. Does anyone have any ideas who I would call to try an get it all figured out

Did the caller say she was a debt collector? Some scammers make calls and pretend to be debt collectors. A caller could be a fake collector if she:

  • says you have a debt for a loan you don't recognize
  • tries to scare you into paying, by threatening to have you arrested
  • won't tell you the business' address or phone number;
  • asks for your personal or financial information

If you think the caller is a fake, report her to your state Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

If you think this is a legitimate debt collector, send her a written notice asking her to send you a written "validation notice" of your debt.  She has to  send a notice with the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

A legitimate debt collector has to send you a written “validation notice” telling how much you owe within five days after she first contacts you. A legitimate debt collector can't say that you will be arrested if you don’t pay your debt.

These FTC articles tell more about your rights when it comes to debt collectors.

I got a call from Lincoln and Lawson stating that he was supposed to serve an arrest warrant on me at my place of business but was giving me one more chance to settle. The number is 718-412-8699.

I just block the numbers, never listen to their voicemails and shred their mail without even reading it, dun deal! Can't repo my apartment building and I'm not employed so what's the big deal, the bank can eat that debt after jacking up their interest rates to the state maximum.

Monday I will seek legal advice. They wanted for me to wire the money to a person and not the company itself claiming he was from the accounting department. I gave them the benefit of the doubt and tried wiring half of the money to them and money graham held it and told me that this most likely is a scam. They Have A lot of claims of people sending money to the area that are scams. I don't know much about law but he kept saying he was going to send the file to court already and that by monday they were going to give my husband the litigation papers to his work on Monday. Another thing I was talking trying to get the money to him until maybe 9 I've never known a attorney's office to be open that late. Another thing I checked the email to where he sent me the "legal litigation papers" from New York and this is the email
Litigation007 I would think since it's a law firm they would have a different extension on the email. When I asked him about it he simply told me he didn't know why the company had it like that. What scares me though is that he has my husbands id number, name, ssn and work number. And has been harassing hom at work. I have not received a paper over mail or anything. On Monday I will contact an attourney.

Money gram sent me the money back Wich kindly my sister lent me. Because they. Strongly felt this as scam. Also s couple weeks back i tried to sent them a "payment" and my card declined it even though I had the funds.

These are useful details for a complaint.

Please report this to the FTC at The information you give will go into a database that law enforcement uses for investigations.

Blog comments don't go in the database.

I constantly get these calls from 817-476-3565. They first introduced themselves from Champion Real Estate (I went classed there) I figured they were telling me about some continuing education. The guy than proceeded to validate my address and address from 8 years ago. So I asked him what this regarding he read off some 844 number and a CR file telling me they were going to file against me to have my license suspended. I asked him if he was familiar with Texas debt collection laws. That you can't suspend my license for a credit reference file a debt. He got super short with me, telling me they are going to file a case in Tarrant County. Being that I am familiar with my rights I told him they could go ahead however unless it's the IRS or some federal or governmental agency nothing would happen to me in the state of Texas. You can't threaten me or garnish my wages for a credit debt. Especially one when you are using my maiden name to identify me and an address that is so old. He told me well obviously you've been in trouble with the law before-hung up. This company than proceeds to call my father looking for me to serve paperwork. He goes off on them gets their information and sends me a text message. This was Friday, I attempted to call back this number today to get the actual name of the company it is no longer in service.

I had a call today from and Elaina Miller stating that I had a felony charge against me for bank fraud. She transfered me to another lady who can on and told me that I was being prosecuted for writing bad check and that I was being charged a total of $3,900, she took some information from me and put me on hold and came back on stating that if I could pay $405 in 2 hours to an FBI Approved court then the charges would be dropped....I started crying because I could pay that I n 2hours she then yelled at me and told me she couldn't understand me and that she was going to proceed with the prosecution and LA County Sherrifs would be at my job to arrest me and she hung up. Has anyone else had this happen?? I called the sherrifs department and she told me it was a scam because they won't tell you that you are going to be arrested or the pay a debt like that. .....but I am scared to death.......please help!!!

It sounds like you talked to a fake debt collector who was trying to scam you. You did the right thing by calling the sheriff. Law enforcement knows about this kind of scam. You don't have to talk to a fake debt collector if she calls back.

A caller could be a fake debt collector if she:

  • tells you to pay a debt for a loan you don't recognize
  • pressures you, tries to scare, threatens to have you arrested or reported to law enforcement
  • refuses to give you a mailing address or phone number;
  • asks you for personal or financial information.

I receieved a call from a lady called Dina Branch, left a very threatening voicemail about a payday loan that i owe, and that i would be arrested at my job if i did not call this number 1866 578 4313 (ATLANTIC is the name of the company) and make a payment and that a lawsuit is already pending if i dont act promptly they will go ahead and file it. So i panicked and called the number, they had all my information about the debt but i told them i had lost my job so thats why i hadnt paid. they said that they would try and work with me but i would have to make some kind of payment that day and other payment arrangements to follow. A few days later i tried calling them to ask why if there was a lawsuit or if this was a true debt collection had i not received any validation notice or anything concerning the collection. I knew it was some scammers when i asked for the physical address of the company and they told me they can't give it out because they deal with very "delicate cases" so they have to protect themselves. They keep calling and ignore them but now they are calling people i know and its just frustrating. i have already filed a complaint with the FTC and am contacting my State Attorney general's office.

debunked their claim to collect on a past due account. Claimed to represent Verizon in a past due balance. First i received a call from premier document solutions @ 702-609-9530 requesting me to call another number to ensure court procedures wont continue. they asked that i call 844-849-2919 supposedly belonging to regency mediation services
3410 Las sieria ave riverside ca 92503
I spoke with two woman Lauren Myers & Karen Anderson claiming I owe 570.04 on a past due account. i was given a file number and i pressed them for more information then was given the org. Verizon record number, i expressed i would call back. I worked with Verizon for several hours trying to unearth if this is a true debt. There were no records of such account number nor debt. when Verizon tried calling the number to regency mediation services @ 844-849-2919 they received a recording that stated they had called outside of business hours however when i called them i received a live person. Verizon tried calling them twice when i insisted i just received a live person, they however received the same recording. i checked the address and its just a post office box not a physical place. This is NO DOUBT in my mind a phishing scam to obtain more information. When i contacted them again regarding their address they promised to send me all the documents via email so i gave them my secondary email account esp. for this sort of stuff and i have yet to receive anything. what bothers me is they had my birth-date and the last 4 of my social security along with my address and maiden name. i deal with fraud for a business and i'll tell you these guys sound good... their methods are choppy hence the red flag for me but once they get down that method they're going to be dangerous.

Look out for a aaroncoleman.debtcollector he will say you will have a warrant for a arrest, its a BS. he also asks to send money thru money gram.

Please report this to the FTC at The information you give goes into a database that law enforcement uses for investigations.

Blog comments don't go into the database.

I have been trying to get ahold of Eric with federal Bureau Trade Commission and I have left several messages on the phone and I want to know about my case that I have with Goldman Schwartz and Harris County Bank in Texas I wanted to know how my settlement is coming and I still haven't heard anything for almost 3 months waiting for Eric to call me I would appreciate him calling me and updating me on the court situation as well as IRS taking their share and how are they planning to distribute the funds that are allocated from the balance after IRS takes their share to the people who have these lawsuits

so my aunt recevied a call today from a place called national arbitration they threatened her with charges of check fraud among other things but they would not provide any paperwork only a phone number to contact them and a name. i called them back tolld them the call was being recorded and requested a street address which they refused to provide then she put me on hold and never came back so i attempted to call back several times and they never answered the phone. i tried to file a complaint through here but i dont seem to be having any luck getting it to work. i am not exactly sure which tab to use as my aunt has no recollection of any loan or anythign that she took out especially in the time frame these people referenced. so any suggestions what i should do moving forward from here would be appreciated

I got an email that was dated 11/12/15 from email address law.enforcement.debt . I found it in my junk folder. The title of this email is "Final Court Notice" attorney Chris Matthews phone number 240-324-6607. They attached two attachments. 1) Arrest Warrant and at the top of the page says "UNITED STETES". The second attachment is "Summons". It says that I got a loan online through American Cash Advance for $12000.00 and that they are accusing me of 3 things. 1) Violation of federal banking regulation act 1983 (C). 2) Collateral Check Fraud. 3) Theft by deception (ACC ACT 21A). I don't remember any of this. Is this real or fake because I called the phone number and left a message on a voice mail with my phone number and I also responded to the email saying that I'm not dodging anyone like they think I am and left my phone number. I need to know if this is real or not. I suffer from memory loss and I am on SSI. And I've been on SSI since I was about 15 years old. I'll be 29 next month. Im confused and freaking out. I need help.

If you did take an online loan for $12,000, and you owe the lender, contact the lender and ask about your account.

If you didn't take the loan, the email could be from a fake debt collector. Fake debt collectors do these things:

  • want you to repay a loan you don't recognize
  • try to scare you by threatening to have you arrested or reported to law enforcement
  • refuse to give you a mailing address or phone number
  • ask for personal or financial information

If they email you or call again, ask them to send you a validation notice. That's a written notice that shows you really owe the debt. It's against the law for a legitimate debt collector to refuse to give you a validation notice.

These FTC articles tell more about your rights when it comes to debt collectors

678.802.8415 & 860.802.8415 called me today and said if i did not pay $2000 ( a payday loan that I got , which i did not ever get ) I was not working back then so I could not get a payday loan lol anyway if I did not pay by 1::30 they would put a wa warrant out for my arrest.They knew where i lived in NY and what bank we used and my old email address. Super creepy. They hung up on me 5 times.

Those people have been threatnening me also say that they are filing a lawsuit against me if i dont pay them the money, i never have taken a loan, thats so crazy, what can i do about this

Any debt collector impersonating a law enforcement officer or threatening you with immediate arrest if you don’t pay up is violating federal law.

The blog has tips about what to do if you think a fake collector is calling.

First, someone called telling me that Allied will take me to court for not paying a loan I owed in Feb 2014. She gave a phone no to contact Allied. I called Allied ltdept (Legal Services) and they were saying that they are going to sue me for taking a payday loan from EZ Money in Colorado and didn't pay it back...which is true. They said if I pay them the money i owed to EZ Money they will not take me to court. They also said they bought the contract from Capital Management and Capital Management bought it from EZ Money.The phone no is 844-649-7735. I googled and I couldn't find anything about them. They didn't provide a location where they at(I asked for an address way too many times) , they also said they don't have a website.Of course they had all my information even my SSN. I asked them to sent me proof (mailed) about me owing money to EZ Money and they said they cannot do it via mail. They don't sent mailed documents because is not over $10,000. They said I have to pay $494.91. They did not provide any type of information about their whereabouts whatsoever .I got some names from them like Samantha Williams, Jaime Butler and Greg Jeffries. So what am I supposed to do?

If you know you owe a debt, but you think the caller might not be  legitimate, contact the company you owe. That company is your creditor.

Tell the creditor you got a suspicious call and ask if the creditor gave permission to another company to collect the debts.

These FTC articles tell more about protecting yourself from fake debt collectors and about your rights if you're facing debt collection.

Well I see I'm not the only one I got a call today saying that I had gotten a pay day loan back in 2010 and that I owed 850.00 or they were going to take me to court and charge me with fraud and theft I told the lady I've never had a payday loan in my life and I told her that I needed paper work on it and she proceeds to tell me they can't send me any papers until I make a payment so I said basically what your telling me is you want my credit card and she got upset and told me that they will be seeing me in court and that it will now cost me not only the 850.00 but an additional 7543.00 plus 4000.00 court cost and hung up on me

Repeatedly called by someone claiming to be from the clarkson law center. The center does not exist. They are saying I owe 5/3 bank which I don't. Posting the name so hopefully other people don't fall for it. There is no clarkson law center, besides the phone calls I received an email and the domain is registered to a proxy service. These people are scammers for sure. They threaten a law suit to try and get you to pay, don't fall for it.

I am so glad i looked this up l.Ive been getting theatening calls for at least 4 year they always tell me i will be served with a warrent within 48 hrs if i do not pay. I thought maybe i did owe this koney it was so long ago i was so scared of getting arrested as i have never heen in trouble with the law. I paid them to leave me alone. A year later around income tax time same people starting calling saying the same exact thing same bill i had paid off.I was not going to fall for this again i gave them my address and told them i wanted proff of this so called bill.Of course i was sent nothing and have still been getting calls sometimes daily.They say im not responding to what they sent me and i will b3 arrested for 2 counts of fraud! They seem to call more around tax time. I paid this bill and i just want them to leave me alone but they always block the number.Is there a way to finally stop this harrassment wi5hout any of there infprmation?

I received this email, is this legit or scam. I feel its a scam.
gov.resolvement <>

Jan 5 at 3:35 PM

Message body

Speedy cash (ADV AMERICA )

This Proceedings issued on you Docket no: 4100 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

CASE NO: BSE988394/A


We have sent you this warning notification about legal proceedings on November 8, 2014 but you failed to respond on time now it’s high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you.

And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $6300.00 and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

Note : This notice is provided to you on behalf of Cash Advance Inc. and its parent company , and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Cash Advance Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.



By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.



Jimmy Anderson

Speedy Cash (Adv America)

Austin, TX.

If you don't recognize the company name, and know you don't owe money, this could be from a fake debt collector. A fake debt collector could have gotten your email if you looked for a loan online, or from many other sources.

The message you got doesn't use dot-com email addresses, like a business usually would. It uses general email addresses. It uses legal-sounding language, but doesn't use correct grammar.

If you choose to respond you could:

  • Ask for the company street address and telephone number. Tell them you won’t discuss any debt until they send you a written "validation notice." If they won't do that, don’t pay.
  • Put your request in writing. If you have the company's address, send a letter demanding that it 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 out or confirm any of your personal, financial, or other sensitive information. Fake debt collectors 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.

I received the same email from Cash advance Inc. saying the same thing, They even attached documents from US Department of Justice
Civil Division, STATE Branch
Federal claim Act Staff
Phone No: 323-489-8240

Any person that does not list a Phone number or physical address to contact them trult raises my suspicions of legitimacy?

I keep getting emails from Cash Advance with no call back number or address to reach them. They tell me only to contact them through email.They say I am being sued for a payday loan I never paid back to them. If I don't respond in the next 4 hours I will have a case filed against me I will be going to court. They sent a US Department of justice letter as an attachment along with other threatening stuff. I have dealt with this years along with harassing phone calls trying to collect on old debt or payday loans. I have submitted complaints online I even print this stuff out. When will it stop.

Debt collectors can contact you by phone, letter, email or text message to collect a debt, as long as they follow the rules and disclose that they are debt collectors.

It’s against the law for a debt collector to pretend to be someone else — like an attorney or government agency — or to harass, threaten or deceive you.

Within five days after they first contact you, a legitimate debt collector must send you a written “validation notice” saying how much money you owe. The notice must include the name of the creditor you owe money to, and say what you can do if you don’t think you owe the money.

Report problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

Some things I discovered when I got one of these calls a couple of years ago - 1) check the statute of limitations for Federal and State felonies related to the claims the person is making. In my case she claimed that she was going to file charges against me for wire fraud, fraud by deception (federal felonies) and fraudulent check charges. I asked her what the date of the alleged activity was she said, "Oh honey - these are old loans from March 2007." (In October/November 2014). I had initiated a PayDay Loan in 2006 which were all paid off. Her one tell... She said they were on a Bank One account. Bank One was no longer in business in 2007. It had not been Bank One for years. I knew right then that her information was inaccurate. I got to checking into it. The statute of limitations for any of the things she sited as possible charges were approximately 7 years in my state. The statute of limitations for filing a civil suit is 4 years from the date the debt was initiated. I followed up with a lawyer who recommended I hire him if they follow through on any of their threats but not before, put a fraud alert on my credit report and not give out any information unless I have proof of the debt in writing. I follow up with the counties they indicated they would be filing charges in periodically just to be sure my name is clear. So far... Nothing has come of it and it has been a year and a half since I received the call. 2.) Listen for things that sound official or for differences in the information they are giving you. THey told my father that they were a company in Florida, but the same woman at the same number told me she worked at the Atlanta courthouse.

I revived several calls from a Brian O'Malley under a UNKNOWN number today he had the nerve to wake me up at 07:17am harassing me that I'm going to be served and to have a photo ID handy by 1pm till 6pm. And he had the odasidy to call me on my cell phone while I was working and also left a awful message that I was going to be served at my job. I told my husband about it n he spoke to this person not to harass me with his calls because it's illegal to harass a person if someone owes a creditor or not by this way n made me so nervous that I couldn't concentrate on my job once I heard that message which no one came thank God. Honestly, yes I owe creditor's who doesn't but being harassed by these people makes us unworthy I mean who are they to call us on our phones and talking, emailing, leaving voicemail lime that. I should sue them for making me scared, unsafe, nervous and feeling that my life is being threatened.

I received several of the same messages today as well. I can't have my phone at work so didn't receive the messages until late tonight.

Has anyone received a call from an "Alexander Bernard and associates"? I believe this to be a scam and can't find anything on this so called legal office anywhere on the Internet and can't find anything on the phone number 877 247 4785


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