Haunted by Phantom Debt?

Phantom debts – sounds a little like a ghostly Halloween prank. Unfortunately, it’s no joke. Some fake debt collectors may try deception and threats to pressure you to pay debts that you don’t owe. The FTC recently obtained a temporary restraining order in a case against debt collectors, Pinnacle Payment Services, Lisa Jeter, her partners and related companies about just these kinds of practices. The court order shuts down the operation, pending trial.

Imagine getting a phone message like this:

This is the Civil Investigations Unit. We are contacting you in regards to a complaint being filed against you, pursuant to claim and affidavit number D00D-2932, where you have been named a respondent in a court action and must appear… Please forward this information to your attorney in that the order to show cause contains a restraining order. You or  your attorney will have 24 to 48 hours to oppose this matter… Call 757-555-1234.

Who wouldn’t be spooked? The FTC has gotten almost 3,000 complaints about messages like this. 

Sometimes the collectors use fictitious names that imply they are or are affiliated with a law firm. They threaten that if you don’t pay, you could suffer serious consequences – like being sued, being arrested at work, having your bank account closed, your wages garnished, or forced to appear in court thousands of miles from home.

If you think that a caller may be a fake debt collector, ask for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

If the caller refuses to give you all this information, don’t pay! Paying a fake debt collector won’t always make them go away: They may make up another debt to try to get more money from you. Don’t give or confirm any of your financial or other sensitive information, either. Phony debt collectors can use your information to commit identity theft by charging your existing credit cards, or opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Phantom debt can be scary any time. If you get a call about a debt that just doesn’t ring true, contact the FTC.

Tagged with: debt collection, scam
Blog Topics: 
Money & Credit


I was verbally THREATENED with immediate arrest, if I didn't pay up via credit card/debit card for a supposed "payday loan debt". The man was insulting, rude, and yelling over the phone. At which point I hung up and contacted a friend in law enforcement.

I received a phone call from Justin Pryor stating he was representing cmg group he called from 1 8883127739 stating I was refusing to pay he was sending documents to my job and that my check was being garnished I need this to stop I am willing to form a group of people to help me stop this to many people are getting scammed I am a single mom and I am not giving away free money so who's with me this has to stop

one even asked to speak to my supervisor and told her if I didn't return his call in 30 minutes a police officer would be here to arrest me. it's ridiculous.

Same here!!! These people are extremely exhausting. For the past 4 months in a row, every Wednesday, two women going by the names Lisa Jacobs, and Emma Mackenzie from Arbitration Services from 2 different states, Georgia, California claiming that there is claim against me and my SSN, pending aliigations and pre-legal matter/ They even knew the last four of my SSN, and called other members of my family, threatening court, going to my place of employment, and sending someone to my residence. Funny thing is...they have my Jurisdiction, or county of residence almost 2000 miles from where i actually live. I refuse to call them back, as I may say or reveal information that they are looking for. In fact...returning a call like that is usually proof of what they are after...Don't get tricked into calling them back. Something more serious has to be done to stop these evil people. FORM A GROUP!!

I am great full to you. Because often I have received this type of call and fall in anxiety. I do not crime and always I am against crime. but Someone telephone me and Say something wrong.
Thank you.

I was woken up this morning by a Mercantile Adjustment Bureau call which asked for me by name but would not tell me anything more until I gave them my age (and who knows what else after that...) I refused to go down that path with an unknown caller. She refused to even tell me what the nature of her company is, much less why she was calling me. After the fact I figured out they are debt collectors and in fact, called ID indicated we've gotten 3 prior call from this "toll free" caller over the last few days What's a consumer to do? Should I have given some information to convince her I was not the person she's looking for? Do privacy considerations prevent the collector from revealing the nature of the call or even identifying themselves?

No, you did the right thing not giving her any more information than you did. In answer to your questions, yes, the privacy laws do not allow discussing a personal debt with anyone other than the the debtor or his declared representative, i.e. attorney. They can, however leave a message with their name, business name and return number if you agree you know the person and will deliver the message. If the calls continue, keep a log of when, record them if you can, but do tell the caller the call may be recorded; and after a month, report them to your State Attorney General. All the instructions will be on the AG's web site. Also, file with the FCC and any consumer protection groups your state may offer.

For the past week, I have received a phone call at 8:00 A.M. every morning from a company called Leading Edge Debt Collector. The message says very important, please press 1 to speak with a representative. When I press 1 I am on hold, then I get a dial tone. There is no number given for me to return a call. Please advise me as what I can do. More than anything, it is a nuisance having this call every morning.

I have gotten these before! These people, who work in a place like that, will perish into eternal flames using their scripted tactics. THEY will threaten, and warn you that there is a WARRANT FOR YOUR ARREST, in your County. They will post a LIEN ON YOUR POSSESSIONS, and will claim that they work in the LAW OFFICES OF "---". I asked them to connect me with one of the Attorney's and they then said that it's not an actual LAW FIRM, but an office BUILDING where there are Law Firms, within. These people will try to get you to pay, at that moment to "STOP PROCEEDINGS FOR YOUR ARREST", these types of False Representations are Against The Law!

Find out where the calls are coming from then call the police department in that area and give the pd the callers number.

Having had back surgery's and countless tests since 2007, my bills were paid. On Medicaire I am receiving
from the hospitals billing offices bills that are being charged 2,3 &4 times. Collection agencies that send out a Bills with no contact number or my Consumer Rights; only a PO Box.
In addition almost every incoming call is coming from scammers trying to sell me alert calls buttons. I do not have the time to address these. Comcast who carries my phone service does nothing to stop these. My credit score before all this was 812. I do not now what to do. Any suggestions

I have gotten several calls at 7 am regarding a supposed debt with the IRS the man calling is very persistent and has a very thick indian or Asian accent it is hard to understand him. The telephone number he calls from is 585-466-0174 and he says that is the hotline for his division of the Internal Revenue Service and it is a time sensitive matter to call him back immediately or to have my legal representative to call him back do not wait. I contacted the IRS and this is bogus the real IRS will contact you by mail if they have any issues with you. This guy needs to go to jail. who knows how many people fall for this.

am getting these call from the same guy.... just deleting him off of my machines..

they arrested one guy running a IRS call center scam making the same calls and threats. I had to change my number twice as they kept calling. its a scam never bother with them get a call blocker and block all their number

Credit Management, LP (?) sent a letter after my father died, pretending he owed them money. I am paying so many debts, now, trying to get his affairs in order. Luckily, I have a blanket policy never to deal with debt collectors, so I tried to contact TIME WARNER - they don't even offer service in my father's state....

I had received these calls as well, they've recently began again from the phone number 323-393-1028, I'm relieved to see this is something that many others have experienced because I know now that I'm not crazy. They are very tricky with their language and threats, don't be fooled!

Ok, I fell for this one...I have paid $100....and automatic payments are set up. Aside from cancelling the card, what else do I need to do now?

Canceling the card is a great card, you may have to close your account as well.

We received calls in the past from a man with an Indian accent. He has harrassed one of our employees. We filed a complaint and it stopped. But.....He's back! This time using profanity and making threats. We have hung up on him and he calls back numerous times, each time more profanity and threats. The employee has filed another complaint, we have advised staff to not put the calls through to the employee and to hang up. Hopefully it will stop.

I have received 2 phone calls around middle decemeber from the "dept of justice" from a man with a heavy Indian accent saying that I have commited fraud, my medical bills, and credit card fraud. This all happened after I applied for pay day loans and credit cards online. I do have my debt but not because I purposely didn't pay but because I lost my job at the time of these events that I just couldn't pay it. With the amount of debt that I have, this has never happened to me until recently. Probably over the weekend and this morning, I received an email now from a Michael Davis claiming to be a senior attorney from Holland and Hart Assoc. I looked up Holland and Hart Assoc. which the spelling on the actual website is Holland & Hart not the "and" spelled out. Saying that "I am really very sorry to say you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government" Who wouldn't get spooked by this. I know that I have never commited any crimes other than being hard on money and unable to pay like a lot of Americans which lead to bad credit. My heart almost stopped beating at the first sight of that first email. I'm planning to close that email and never ever again apply for any credit card that isn't big name or cash advances ever again. So stresfful!

I just received the exact same email. It stated I would have to pay over 11,000 dollars for court costs, attorneys fees and bail....BAIL!?!?! Then I got a phone call from the number listed on the email. 773-945-1697. Didn't answer, but i did a little research and found it was cash net USA. There are a lot of complaints out there about these people. I know for 110% fact that I do not owe them a dime. Its just a big time scam to scare you into paying a "phantom debt"

I hope they put that caller in jail. If the caller is in the U.S. you can give the police department in that area the number and that may stop the caller.

I've been getting calls like this from Western Acquisitions Group in Albion NY (Buffalo Area)that seem to be violating FDCPA rules. They are leaving process server threat messages, saying SS# flagged for fraud or suspicious activity and claiming to be law firm. They are currently using toll free numbers 877-668-3879 877-664-9642.

Just last week I got home from work and checked my voicemail and there was a message from a guy who claimed his name was Ryan Miller. He had a very thick accent. I thought it was strange that he had such an American name. The message sounded urgent. He said that he was with some kind of Legal Action Agency. I was certain it was a case of mistaken identity so I called back to straighten it out. The man then told me that I there was a warrant out for my arrest and that the authorities would be at my place of business in the next 48 hours to serve the warrant. The charge on me he said was check fraud for $179 in finance charges on a payday loan I never even applied for. I was stunned. I refused to give him my debit card # but he already had my social security # and my bank account #. I was freaked out. He began yelling at me and threatening me. He called from a Louisiana area code. And has since called several more times pretending to be other businesses. I want this guy to go down. Funny thing was that I could here a bunch of people in the background all trying to pull the same scam.

I have had the exact same call today and for weeks same mans name.

I am having the same trouble, they say they are a cash advance company and I owe them $692.They are harassing not only myself but my job and other co workers who answer the phone. They called my job 3 hours straight back to back. I am so afraid I will eventually lose my job if this does not stop.As well the people you talk to have a very thick Indian accent, they are rude,they laugh at you,it is terrible.I hope whoever these people are burn in hell.It is horrible to treat people this way.

My wife got a calling, threatening that I will be arrested and will not reach home. According to the caller I owe some sort of tax that is only applied to Pakistanis. He told his name as Michael Brown. He was speaking English with American accent and then handed phone over to an Urdu speaking guy. My sister in law has also received this kind of call. Looks like they target women folk who are at home (they call between 9 to 5). They were asking for around 1900 dollars. If they got only one person in one day , they must be making lot of money.
What was shocking is the kind of threatening language and attitude. I am posting the number they asked us to call back 202-754-8078

I received a message from "The Department of Justice" which forwarded me to RCG Litigation who forwarded me to Edison Park Associates. They had my social security, date of birth and credit card in formation, threatening to sue me in a civil suit for a credit card I've never had. The numbers they gave were 855-699-3998 and 909-456-1853. I didn't pay them obviously, but was very startled by the amount of my information they have on file. And they were able to pull my credit report from Experian, which doesn't help my level of confidence on what they will soon do with all of my information.

they stalk people to find there info they fowled me for more then a year I got there names license plates sent it to cops fbi ftc governors senators congress men they wont help me I ask them to investigate look up the license plates I got and there names they say file a repot so the people that are stalking you get your all your info it seems the ftc works with the debt collecters not agenst them

I also got a call asking me call back 2027548078 or face arrest from Federal crime enforcement. It sounds like a perfect scam.

I just got a voicemail stating I will be arrested at my work and a warrant is being issued gave me there name and the dect I need to talk to when callng back.. I did some research via internet and came up with nothing until I cam across this site.. I am on probation so this really scared me, but at the same time I have nothing wrong at all.. I listed carefully to the message serveral times and concluded it was a scam or collections from the noises in the background.. I've gotten this type calls in the past.. How do they get away with this???

I also got a call asking me call back 202 754 8078 or face arrest from Federal crime enforcement. The message was they will be sending law enforcement agent to arrent me if I do not return their call. It sounds like a perfect scam.

I have been receiving these same phone calls for a week. When I try calling back it will not go through. THey are threatening litigation. I blocked their number but they made it through again today with a different number. 1866-274-6409 and now I am trying to figure the other number. They state they are from the Law offices of celia cesar. I researched online and could not find anything with this. They do not ask for me by my name either.

In this article you can find more tips on how to handle these calls from fake debt collectors.

We got a call at our place of business looking for an employee who is Indian. Left message similar to the above claiming he was Shawn Woods and we were going to be under arrest if we didn't call back 202-754-8078 (which I'm sure would lead to making payments).

Worst accent ever, could hear the other call center guys in the background, didn't have a clue how the legal system works (never heard of a cop calling randomly and informing you you're being arrested - they usually just show up and do it).

Total waste of time.

Got a call today from someone that said they were from some kind of summons place telling me I committed fraud by not telling the credit card company I moved. The debt was from 2000. He said they were filing 2 criminal complaints against me. I called back and he wanted me to pay a settlement over the phone so I hung up. The number was 313-347-8644 it was listed to a company call allegiance telecom.

You can file a consumer complaint with the FTC at www.ftc.gov/complaint.

I received over 10 calls from: 2027548078 with same threat.
Can anyone do something about this.

I received over 10 calls with same threat from 202.754.8078.
Can FTC do something about this. This is interrupting my business.

Lately I've been getting calls from Potter Scott & Associates at my place of work saying that they have papers to serve me at my work with an officer. Also have told me that I will be arrested. That charges of fraud have been placed against my social and my bank account number. They used my social and my account number over the phone. They are telling my coworkers the same if they answer the phone. They use several phone numbers. This is an actual company. I don't know how they can get away with this. I know if I harassed someone on the phone that I would get in trouble.

I have the same experience as Franklin exactly. It was even the same people. Potter Scott & Associates. They have been calling my work every day at least three times a day. They use several different numbers to call from. I think that they need to be stopped.

I have been getting these same calls claiming that I owe a payday loan ,saying i am going to be served at my place of business or my home,this is off and on for 2 years now ,so far I haven't been served or arrested as they stated,it's just agravatting,they called my wife and son also hunting me

A new debt collector, Global United Arbitration, has left messages on my answering machine for my daughter. The message implied pending litigating. I spoke to Phil Bifulco, who claimed to be the office manager. He told me that if the debt my daughter owed for a payday loan for Cashnet USA was not paid by Monday he was going to issue a warrant on her and prosecute her for felony bank fraud and theft by check. He asked me if I 'want to help her out.' He started demanding my debit or credit card information. He gave the address of his company as 3125 Walden Avenue, Depew, N.Y. 14043. The address for his LLC is his home address at 13432 North Road, Alden, N.Y. 14004.

Same here, they wanted my social security number. Said I had a pay day loan at Cash Net USA. I told them my attorney will respond.

Same here. I received a call yesterday and today, by a so called process server, who gave me a diferent number to call back each day. i called each day- and both days spoke with an Allen Klein who also claims to be the "office manager". He was extremely rude and threatening. I files a complaint with their local BBB, and contacted my local attorney general. I will also be filing a complaint with the FTC. This company is in violation of FDCPA regulations. I was advised not to conduct any financial transactions with this company as it has been reported that it is a scam. There are many consumer alerts regarding scams involving this comapny and it affiliates.

If there is a next time record the call, legally he cannot give you information regarding your daughters account.

I received a call today from Demetrius Malloy calling from PR associates 844 832 0113. He's stating that charges will be filed tomorrow morning in my county if I do not call him back at this number by a certain time. This actually happens to me every 6 months or so. No matter how many times I change my number or anything. The only difference is this time the called my sister's house and left the same message. I don't know how to stop them. It's driving me crazy.

Same thing, they keep calling my job. When I asked for them to stop calling this number- this rude women mocked me in a baby whining voice saying "don't call here with that and no they will not stop calling and hung up. Now, this guy named Micha Stone is calling my job. I filed a report with the FTC.

What about an electric company forcing you to pay on a past bill they claim belongs to you. We were forced to pay Florida Power and Light 800.00 for usage on a property that we leased and had to vacate after a few months because the owner foreclosed and the bank took it over. ^The bank should pay from the minute were we notified of the foreclosure.

While I agree with your sentiment, you should have turned off all utilities/services the instant you left the building. The power companies agreement is with you not the building owner and/or his creditors.

A family member received a call from 844/832-0113 this morning in regards to me and a case number. Asked what my last name was (despite they gave it to him when they called), asked for my phone number, address, etc. He refused to release any information and called me to let me know. I have no clue who these people are and no one has called me directly.

JS A guy by the name of Michael Stafford called from TC&Associates threatened me with putting a lien on my two vehicles,garnishing my wages, and contacting the Magistrate in my County. So I agreed to pay them twice a Month. I recently had a light stroke. So I decided to call him to bring my payments down the phone rings and there's no live human being to talk to they never gave me an address or an account number. As of today I have stopped all payments from my bank account.

I had the same thing happen more or less, said i had a cash loan of 1100 i believe was the amount, paid him twice, said if i dont have 950 dollars by XXX date then he will be taking legal action...Anything happen since you stopped paying?

Jacob did yu stop payments? If so, what happened? I had the same guy call me and I started making payments and they are to much. I have tried to contact him and I have not been successful. Im thinking the only thing to do is stop payment and then he would contact me.

The number is 1(855)837-9788 TC & Associates.

I too received several calls from Western Acquisiton Group, although they changed their name each time they called or answered the phone. They claimed I'd be served with a court summons within 24 hours if I didn't give them a credit card or checking routing number. I called back to get the name and address of their company so that i could send them a letter challenging the debt, according to the fair debt collections act, and the guy who claimed to be an attorney wouldn't give it to me, got verbally abusive and hung up on me. When I called the NY attorney general's office I was informed that they had gotten hundreds of calls about the same kind of scam and that I could expect a letter next. She also warned me about the IRS email scam. From now on I'm not answering any calls unless I know the number. How do these scumbags get our cell numbers and credit report info anyway? It's scary If you ask me.

Is it called western group llc?

I have been receiving these calls for weeks from Ryan miller at 662-580-4768 saying I owe $179 for processing fees in payday loan that I don't have. Days he is having me arrested at my work on Friday He calls all day on my work and cell number

My families been receiving calls for the past week and leaving voicemails from a Christopher Beasley asking for me to return their calls due to some pending warrants for my arrest. When I called and spoke to Beasley he informed me that I owed $1300 n facing arrest if u didn't pay within the hour. He then connects to me their lead attorney claiming to work for Coleman Belcher and assoc., who threatens a warrant to pick me up at work if I don't pay. When I searched their names and organization none online I found nothing.

April 29,2014 Ijust got a call from Western Acquisitions Group.The woman who called said I was going to be served with a summons to appear in court. She would not say what it was about. I told her Iwas going to my local police department and asking them. I then asked her what law inforcement agency she was with. She hung up on me. The number she called from is 844-809-8788.

My husband received a call from 844-809-8788 with the same threat! How do I report this scam?!

My elderly mother keeps receiving calls from this number, threatening summons action. This was in reference to an old account of my brother's (who has lived in Alaska for the last 30 years and with whom we have no contact). I have told the company 'Caring Legal Services' that if they contact her again, that they will be the ones speaking with an attorney. The man that called was named Christopher Powell and I am wondering if there is anything else we can do to stop these harrassing phone calls. The gentleman (and I use that term loosely) that called today told her that she would be served with a summons in the next 48 hours. We have received no less than 8 calls over this and it is not my brother's phone number nor did my mother have anything to do with this account.

I was so confused when I was told about the payday loan that I had defaulted on. I was told there was a warrant in Santa Cruz County, California for my arrest for bank fraud and bad checks. I never had a loan with MYCASHNET and found that company does not exist. They then changed the company I owed money to; and said I borrowed from MYCASHNOW. I researched that online site and it stated they were not a lender but a "finder of loans". CENTURY CLAIMS is not a real collection agency. These are scam artists. Be careful of a very understanding woman who goes by the names: Katelyn Wahlberg, Chris Caldwell, Miss Caldwell or sometimes just CALDWELL. 224-267-0820. They refused to give me the debt information or their mailing address. THIS IS A PHONY PAYDAY LOAN DEBT COLLECTOR! They will say you had an automatic payment returned from the bank - what they want is your current checking account number so they can drain your account! The incoming number will be 215-710-1733. Stay calm, and ask for them to give you the original creditor's name, address, account number and to send a validation letter showing proof you owe the debt. When you do this, they will claim they have sent you many letters (all lost in the mail), shift to your impending jail time, yell at you, etc. When I let Miss Caldwell/Wahlberg know that the call was being recorded for legal purposes, she said that my account was leaving the "system" that day and to never call her again! I am sure they will return in another form.

I have been getting calls for a few years about a payday loan that WAS paid. But not from the company that I took the loan with. My most recent call was from Washington 206-317-3128. They all have accents and threaten with visits to my home, work and incarceration.

Has any one received a call from global United arbitration?

Yes. Global united arbitration has been calling me several times a day saying I'm going to be sued.......

The owner of Global United Arbitration is a creature called Phil Bifulco. Please, contact an FDCPA attorney in your state. They take these cases on contingency, meaning you do not pay the attorney.

Have any of you heard from a guy named Brian Cooper. He works for Western Acquisitions Group?

I just got a call from some company saying they had a summons for me which would be delivered to my home or my job. They also said a supervisor from my job needed to be there. This was on voicemail. I called back the number and got a vm for a Shelly Davidson of Western Acquisition Group. I have no idea what they are talking about. This does not sound legal or even good manners

I got a call from 844-891-8228 last night and this afternoon leaving a message on my answering machine that they were coming to serve me documents that I must sign and would be at my work and/or home between 12 &5 however if I call this number they would stop the process. The woman was threatening sounding and had instructed me to secure my firearms (I don't even have a paint gun!) have my children supervised and to lock up my dogs as she and a uniformed officer would be by. When I called the number Victoria Ford answered stating they were AB mediation services and asked for the last 4 of my social which I refused and informed her she sounded spammy. All she would tell me was there were 2 allegations made against me in civil court and became rude when I asked for the spelling of her company name which she replied "mam, I already told you 3times"then hung up when she heard my fiancé in the background exclaiming not to give out any personal info.. When I got home from work today and received the second message leading me to think I was getting arrested as it scared me i called my sisters and the cops. My sister spoke to her and was told I had a credit card debt for 9k from 2002 and if I didn't accept the papers because they had already filed to serve me with our county court, I could negotiate with them otherwise they were coming for me. how come they gave my sister more info than me when i wouldnt give my social &. She doesnt know it? There was a debt over 10 years ago however it was settled &paid & there is no evidence of this on my credit report & these people aren't even the ones who had my master card account in the first place.The thing that stinks is my father helped me out with that debt however he passed away 4 years ago so I don't know how to find proof. The police officer called me within an hour of leaving my house stating they were a debt collector but their company name was A &S civil mediation services and they were in Amherst NY as I was told yesterday. When he pressed for more info on their address she would only supply him with a po box and would need verification. He told her he was officer so and so and to cal the police department phone number back the dispatcher would patch him through..she hung up. He said the detectives would look into it. My mother just passed away 4 weeks ago from a terminal illness here at home where I lived with her taking care of her when not at work,my sister helped out as well so this threatening phone call out of the blue really just caused me so much anxiety I am literal sick now. This should not be allowed! Anyone get this call or have any advice? Would be much appreciated.

I have a similar situation. Please see my comments below. And thank you for leaving this comment letting me know I am not alone!!!

Rec call from restricted at 9am this morning from a raspy-voiced woman stating this call was exclusively for ****. A last name not even my own, but the first name was correct. Stated she had documentation that I needed to sign and she would be arriving at my residence and last known place of employment (no longer employed anywhere!) for my signature. That I needed 2 valid forms of state ID. Gave me the number of 844-891-8228 as the company of service and that I could call to confirm. That she'd see me tomorrow. Really? Watch the the gun at the door lady!

Thank you for saying what I was thinking.

I also received a call and voicemail. The woman said her name is Crystal Green but her phone number DOES NOT appear on caller ID so I have no way of blocking it. Yesterday I picked up the call and she was telling me someone want to take me to court, I pressed her for more information and she said she is just a "courier" She then gave me a phone number: 844 891-8228 and a FILE/Case Number. She also said if I don't call that number to settle, she will SEE ME tomorrow. I got curious and called 844 891-8228 and the automated voice system said it's "Arbitration Office" I hung up before actually pressing Option one or two as it directed me to.

Today I got her voicemail again saying she will be seeing me this afternoon (didn't even specify a time) and told me to be ready. Again, she left me that 844 number with the same File/Case number. I asked my mom about it and she said it's all a scam. How can you be served for court summon without a formal letter or written notice? I am curious to see if she will actually knock on my door today.

We got a call like this July 25 from a person saying they were going to serve papers on my husband . They gave us a case number and to call 844-891-8228. My husband called it and it was about a charge card we never had. Does anybody know anything about these threatening people.

I recently received several voicemails from a Brian Cooper with Western Acquisitions indicating that I would be served with a court summons at my residence or workplace within the next 24 hours and that I should be prepared to provide 2 forms of identification and have a supervisor available as a witness. Well, as you can imagine, my initial reaction was shock and disbelief that I was going to be served at work. I decided to call them and obtain additional information on the alleged debt obligation. I returned the call to "Western Acquisitions" at 844-879-3976 and spoke to Mr Brian Cooper. However, he was unable to confirm the amount of the debt or the date of last payment (that determines when the statute of limitations will expire with respect to creditors ability to file lawsuit to collect debt...in the state of CO it is 6 years). When I pressed him for more details about the original creditor he said the attorney has the file with all the details but of course he wasn't available to speak with me. I told them I wasn't interested in settling a debt that was over 12 years old unless they could provide a written confirmation of the debt balance etc etc. Later that evening someone tried to serve me at my residence but I refused to answer the door. I called them again to garner more details about the company .... at first they said they were a law firm but eventually admitted that they were a "mediation" firm but firmly denied that they were a debt collector. Well, as we all know, if someone is calling to collect debt they are subject to the creditor collection rules and regulations defined by the FAIR CREDIT COLLECTION ACT.

Do not be intimidated by these jokers ... ask them to provide a written confirmation of the debt they are attempting to collect including 1. ORIGINAL CREDITOR NAME and ADDRESS 2. AMOUNT OF DEBT 3. DATE AND AMOUNT OF LAST PAYMENT (this is critical as it determines the period under which the creditor can sue you in court to enforce payment). DO NOT AGREE TO ANY PAYMENT PLAN OR CONFIRM THAT YOU OWE THE DEBT until they validate the debt in writing.

If you are interested in filing a complaint regarding these collection tactics employed by Western Acquisitions, please use the following link: http://www.consumerfinance.gov/complaint/#debt-collection

Good luck and stay strong ... don't be intimidated by these jokers!!

Apparently they've changed their name to Western Legal

I received a phone call at work from a "Jonathan Edwards " at 516-246-6663 claiming that if I didn't contact their office within the hour, they would be serving me with court papers.
They claimed that.I had a complaint filed against me for a fraudulent account. They told me to call 855-886-5846 to speak to Karen or Kim Halperin. She sounded like a nasty old hag who smoked one too many cartons of cigarettes and her attitude matched. She actually did have my information and claimed that I owed $600.00 to a payday loan that was deposited into a former bank account. Before I realised that I was dealing with con artists, I got into a shouting match with this (expletive.) She eventually hung up on me. I called my former financial institution and (Surprise) there was NO record of a deposit from that supposed lender. I immediately did reverse searches on the numbers and Google the company. The only Western Legal is in the U.K. I IMMEDIATELY filed a complaint with the FTC and included all numbers involved.

Thanks for sharing your experience and for filing a complaint with the FTC. It's important to submit a complaint because investigators from all over the country access the FTC's complaint database. Watch this video to learn more about how to file a complaint with the FTC and why it matters.

Apparently that hasn't worked, because they called me yet again, this time the name was Linda Armstrong. Being that I have been bombarded and trying to take care of my mother who suffered a stroke, I only heard case manager, so I thought it was her health insurance company. She said the same BS about a fraud case and that they had to serve me papers. I told them to send me the paperwork, but they claim they don't have my address (oh but they have my banking info? ) I realized after the fact that it was the same damn number (A CELL PHONE- WHAT DEBT COMPANY USES A CELL PHONE?) I now have to get my cell phone number changed because of this BS.

This number have been calling me constantly of which I know is not true. My bank already have done an investigation. I just now need them to stop calling me under various numbers. Yes the intro has the same similarity as the top of this article. They need to be stopped!

8443277055 anyone else getting calls? I call it says fidelity I don't owe money to fidelity but threatens to serve me in pursuit of violation of title 18 chapter 63 section 1343. Doesn't call me but family saying I better have valid proof of ID in 7days at home or work. I don't know who these people are anyone else know. It's freaking me out when I did nothing.

First a Christopher Bellmont called and left meesage saying to call 5855548297 to resolve a debt or my husband would get served papers in 24 hours. My husband called that # and talked to Kimberly West. She told him he had to the end of the day to make payment arrangements. When I talked to her we shared a few words and then she called my husband back and told him that he better have an answer in 20 mins or she was going ahead with the court papers and she would not talk to me. When I did talk to her I asked why this Christopher Bellmont threatened with the court papers and she said that was a 3rd party and that they have nothing to do with them that they are just process servers. Today I called the "process servers" number that was on my husbands call log and Kimberly answered! How can she answer a phone for a third party process server when she has nothing to do with them? We shared a few more words. A few minutes later a guy named Blake called from Kimberlys phone number. He was rude of course and when I wasnt taking his crap he said" When Blake talks you listen". Well that sent me over the edge so we shared words and he tried to tell me that my husband was cheating on me because another womans name was on the account. This is an account from 2003! Im sure there was. All I did was laugh and told him im reporting them. He hung up. My husband called me and said that he got a message that they are going to start papers. BIG SURPRISE!!! If it was up to my husband he would have paid the money they wanted but im not like that. They didnt provide any papers with letterheads, nothing with a physical address, wouldnt answer questions, not professional at all and answering each others phones when supposedly they have nothing to do with the third party. SCAM!!!! Please report them to anybody you can. We work hard for our money and I will not let scam artist take it away!

Received four calls from blocked call, telling me to call 1-866-696-8034 within 2hours to let them know where I was, otherwise I would be served with "legal documents". (Never identified as a debt collector, just a legal process server).
Was told on first call, there would be three attempts to contact me, and after the 3rd attempt would be classified as "failure to be served"served and/or arrested. I did a search of the phone number and found this website. However, the individual who called had the same initials J.S. from Global Document Servers. Was given the 866 number to call my "case manager" with a case file. I never called. I did make a call to my local sheriff, who told me it was a scam. I recently pulled my credit report and found many errors and an item listed as collection, when I have proof I paid in full in 1997! Not sure what sort of brain trusts Global Document Servers hired, because I received a fourth phone (I was told I was only getting three courtesy calls), which was apparently my final final notice. Regardless, sheriff report filed , county records show nothing, FTC complaint filed, and AG (Florida) complaint filed. The sheriff did say if one of these clowns shows up at my door to call them ASAP.

Annoyed- Did anything ever come of this? I am being harassed by the same company by Jesse Sanderson, with the same 2 hour window threat to call them back. Today was their 2nd attempt at calling. Global Document Servers did not give me the nature of the paperwork or debt? as I believe they are legally supposed to do. I also filed a complaint with the FTC and added my number to the Do Not Call list. I also blocked their UNKNOWN number. Nevertheless, I'm nervous. Hate to get police involved but I feel better hearing what your local sheriff said. Thanks for sharing!


I got the same calls. Said I was being sued. Gave me deadlines. Wouldn't give info. I reported them and an attorney advised it sounded like fraud. Anything come of this for you?

I recieved a call like this today from a guy who did not give his name, but stated that I was being sued. He had my first name and last four of my social. Stated that i needed to contact 213 267 4420 with in two hours and that i was in legal trouble because i have avoided being served (not true) when i began to ask questions he spoke over me -he wasn't rude or anything just spoke whenever i spoke and talked really fast. He stated again that I was in trouble and that I needed to contact BERG and Associates right now. I freaked out a bit and contacted my spouse who agrees it is fraud. But how do they have my social and my name? Phone call was made to my cell which is in my companies name & not sure how they got my first name and last four social. I am so freaked out about this. :/

I received the same email, but did not receive any information to contact them. So I emailed them back asking for more information and never received anything then received another email the same way today. I am tired of this and I want it to stop!

Got a phone this morning from a "Legal Services Dept"...by a gentleman who told me I was going to be served with a summons to court for non payment of an old pay day loan from ten years ago. I have no idea how this man got my phone number as I dont even live in the same state anymore and the phone in fact belongs to a room mate. I am going to assume they retrieved the information from a utilities search or somewhere I used that number as a contact number..I cant imagine how else they could have gotten that number for me. Anyway, he proceeded to inform me that I had an old debt and he was there to help me so I wouldn't be summoned to court. I informed him of the statute of limitations and told him never to call that number again and hung up. They have tried this before under a different alias, but last time saying they were from a government agency and that I had committed check fraud and they were going to put a warrant out for my arrest. I am still waiting on that warrant on a debt that has exceeded its statute of limitations a long time ago. They wont trick me into giving them one red cent. I found out through some research that they buy these old delinquent accounts, many of which are way past their statute of limitations for pennies on the dollar, and pursue them as if they are still active. I also read that if you do in fact agree to send them any sort of payment and you do, the account is actually reinstated and legal to collect on again. So they can then in fact pursue legal repayment of the debt. Dont send them anything. Nothing. Bunch of scam artists. The scariest part of the whole deal isn't the "agency" itself but how they were able to get a phone number for me..now that is crazy.

I was called by a restricted number and spoke with Richard Gabel (sp) who stated he was a courier and had documents for me. He demanded that I make myself available between 12:00 p.m. and 5:00 p.m. and he had "sealed" documents for me. He said if i was at work he would need to have the head of HR or a supervisor witness and sign I received these documents. Or i could call (844) - 874-8625 at extension 406 and I did and spoke to Mr. Klein. He pulled my file and stated I had gotten a loan from The VIP Loan Shop and owed $1,025.00 but with interest and fees it was $3,000.00+ and he started to get abusive and berate me telling me I had sh*tty credit and had to get an online payday loan and blah blah. He then claimed when I got angry that i was intimidating him and he was recording the call and claimed I was being abusive and violent. I got another call from Richard Gabel at my place of business. My 23 year old niece also got a call just like I did initially from Richard Gable stating pretty much verbatim what was said to me. She was freaked out that they were calling for me on her personal cellphone. We are not sure how they got her number. Richard Gable had also spoke with my father and got abusive and rude with him. I asked this company for verification that this was indeed my debt including any paperwork that they had with my signature whether it be the real signature or electronic. This Vince Dezensio (sp) from Global United Arbitration claimed there never had been such paperwork. I told him i would discuss payment once I had gotten this paperwork. From prior complaints that I had found online I was suspicious of the legitimacy of this business. I will not just hand over money to a company who can't verify this is my debt.

Don't give them anything. Nothing. They are trying to trick you into sending them money. Depending on how long ago it was that you took out that loan it could be past the statute of limitations date also. As for the phone number, it still mystifies me on how they got a roomates number for me and I dont even live in the same state anymore. These people stop at nothing..and I mean nothing..to harrass and try to intimidate people into giving them money. They should be arrested for what they do to people period. It's stalking and threatening people with intimidation. Next time they call, tell them you would like their contact information before anything and you will have your attorney contact them. If its past the statute of limitations for collection on that loan in your state remind them of that also!

My mom received a call this morning, allegedly from the IRS. THey were looking for me, although I don't live there and threating an arrest warrant on me. It's Veteran's Day, so I don't think the IRS is open, but nevertheless, before noon, my HR dept forwarded a call to me.

The lady said she was a courier from a private service and she was coming out to my workplace tomorrow to serve me papers. The only number she provided was GUA or GLOBAL UNITED ARBITRATION...aka, BS!

Long story, short, they would reduce my debt (which I don;t owe) with a credit card. Things got nasty before I hung up! How can these people get away with this.

This man called my home today asking to know when my daughter would be home so an officer could deliver a summons..when I asked what it was for and that she doesn't live there he wouldn't give me any info just stating it's a sealed envelope and needed to know when she would be here to sign for it. I asked many times what it was for what company everything and he refused to tell me. I told him she didn't live here and he said I needed to get a hold of her and find a time to be here for signature. He called from a blocked number.

Did anything come of this?

Beware of "Western Acquisition Group". I got the same voice message about "being served", etc.

I called them back because 1., I settled my debts and kept proof, and 2., the Statute of Limitations for my state has expired anyway, and I want these calls to STOP. The guy who answered handed me off to another guy w/ a NY sounding accent. This guy tried his best to confuse me, at one point tripping over his words and becoming illogical. I admit as bill collectors go it was pretty good, better than most. Once I figured out he was unreasonable and not listening to what I was saying, I gave up on the call and sent him proof of settlement, with instructions to cease and desist.

These guys obviously purchased the debt from someone else, who bought it from someone else, who bought it from someone else, way, way, back when it was still valid. Through some clerical error, or unethical practice (probably the latter) my debt was resold along with many others after being settled.

Every so often one of these pops up and I have no way of stopping it, except on a case by case basis. I'm so glad I kept everything: Settlement Offer, Release Letter, Credit Reports, Cancelled Checks, etc. For all of you out there who are in the process of settling debts, PLEASE keep good records, and plan on keeping them for life. Keep EVERYTHING, and VERY IMPORTANT, remember to black out your bank account numbers.. I'm so, so, glad that I did..

These bad debts never seem to fully go away, even AFTER they've gone away.

Shame on the debt collection industry. They know what they are doing is wrong.

I started getting harasssing calls at work Oct. 21,2013. I never called them. Than the calls started back up in July. I believe is was a Fosters & Associates & that if I didn't call them within 2 hours they would serve me at work. I didn't call them still. In Sept. I kept getting calls but it was from a Fisher & Fisher. I googled the number & it came up Fisher & Burns financial services in Santa Ana California. On Oct. 17 they told my general manager that they would be serving me at work that next Tuesday(21st) between 3-5. They still haven't served the papers. Today I got another call from a Berg & Associates at 323-536-1850 telling me that I needed to call in the next 2 hours or that they will serve me at work. I wish they would quit harassing me.

OMG the same exact thing happened to me. I told them they weren't allowed to call and harass employees as it was against the law and I would report them to our legal department. The guy said I had 2 days to call Berg & Associates with the same area code 323. He said they have been trying to serve me with papers. I didn't call them back and they have not served me with anything. If it was legit I would be served in person as that is what is required by law for a court summons. These people are sharks looking for bait... they aren't getting a bite out of me!

I wish a law would pass where these harrassing, stalking, manipulative collection agencies would be prosecuted for this along with heavy fines and punishable with prison time. I received two calls again this week on my roomates phone. After the original one I posted above in October, I haven't received any calls until this week. I never returned the calls obviously but still leaving threatening messages about check fraud and summoning me to court and the usual rant of scare tactics they use off their list of to do's when calling. I am not even sure its the same "agency" that called the last time I hung up in their faces. Probably a new one. I just wish they would quit already..how long does a dog keep barking at a dead raccoon already? Until something is done to ban this type of stalking it will continue. The account will just be sold and resold again and again until they can get someone who is uneducated about what they are doing to pay them. Its a very sad and deceitful practice as well as frustrating and scary to those who are easy targets and know nothing about the statute of limitations.

Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

I just got a call from Berg & Associates (323)451-5519 claiming I was being sued by kay jewelers for an account that I haven't used in over 10 years. They said they were working for a law firm in Phila, Pa but yet their office is located in los Angeles, Ca. Oh and when I asked him to mail me an official letter in mail, he said its all done by email and fax and that I would have to email him NY debit card info.

I was contacted by 1-716-332-4669 whom answered as Regional Acquisitions Group. I was informed that I owe money and that myself and/or my family is going to get hurt if I did not send them $3800.00 in cash by the end of the this week.

You cannot go to jail for an unpaid payday loan. This is a civil matter and not criminal. This means that they could sue you for the debt but they cannot jail you for it. The odds of being sued is very unlikely. Scam tip #1: No one is going to give you a heads up that you are going to be served a warrant. If people knew when the warrant was arriving, they simply would not be there to receive it. You would never get served at your place of employment.

I have the same problem as many do here. Question: Has anyone actually received the supposed court documentation they claim the state locator will serve you??

I have the same question

I told the person the first time I got a call in February to send me the papers and not contact me over the phone afain, i am still getting calls, however it keeps coming from different numbers, and i have been told multiple times that I will be served papers, which I have always responded with "ok then, serve me with papers then" I have never been served, nothing that I haven't approved is on my credit report (I use creditkarma.Com to check my reports, it's absolutely free and it updates weekly). It's 100% a scam and they are trying to scare you into giving them payment information.

This is the second "company" calling me within the last month. I will admit I did inquire about a payday loan but did not get the money. When the person called yesterday she said she was needing to serve me and gave me the number 844-774-2282 and a claim # (which is funny what am I claiming-at least get your wording correct lol) she was calling me from a local area code. So when I told the girl at Midwest Claims that NO there was never a $500 deposit into my account on November 4th, 2012 and that I just so happen to work at the Bank where my accounts are and just give me a few minutes to pull them.... she tells me to just accept the papers and dispute it. SO I thought ohh ok I am going to call the local number back and of course it is a message with a man trying to sound like the "Bad Cop" role that said DO NOT LEAVE A MESSAGE.... HAHA so they just want you to think they are calling locally. This is ridiculous and I will be filing with my AG's office and the FTC and CFPB. This should be against the law.....

If you get a call about a debt that doesn't sound true, report it to the FTC. Your complaints help us stop rip-off artists, scammers, and fraudsters. You can read about how the FTC Stopped an Abusive Debt Collection Operation that threatened many consumers by telling them their bank accounts would be closed, their wages garnished, they would face felony fraud charges, or they would be arrested if they failed to pay the phantom debts.

I just got the same exact call from the same company you mentioned. I'll be filing a complaint.

Berg & Associates in Los Angeles, CA 323-489-8397 is threatening me with criminal charges for a $300 credit debt that has grown into $4000 w late fees from 2010. They are sending letters that are intended to appear like a Summons issued by a Florida Court. Case Number 285-183-19FL. There are hundreds of complaints on Google about the harassment. They have called my Mother and brother telling them that they are going to issue a warrant for my arrest in 2 hours. if this has happened to you take 5 minutes to file a complaint with the California Attorney General and with the Federal Trade Commission

Getting harassing calls from a supposed arbitration group calling themselves Walburg and Associates. They state I wrote bad checks back in 2012 totaling 2500 dollars. The account had been closed for 6 years already in 2012. I contacted the bank and there were no checks presented to them ever. By me or anyone pretending to be me. This company told me if I paid up, they could stop me from being prosecuted in the county I live in. These criminals even obtained my Mothers home number and her cell number. Curious if anyone else at there has heard from "Walburg and Associates"?

I just called 855-754-1042 they have been leaving VM saying this is am important message from amser (sp?)this is a call from debt collector please call 855-754 - 1042! I put # in ignore list & still get call about every day! I finally called back & OF COURSE THEY ASKED FOR SOMEONE NAMED Niki Stallis Or ?? NOT EVEN CLOSE TO MY NAME yes they did say they would remove my # !! I sorta doubt it since this is the 4th different # they have used to call from & one was for sure a toll free number!! WHOEVER this Niki is or if there was a Niki was either a dead beat & didn't pay their bills or these spammers are BIG jerks!! Hoping I don't have to change my number because I got a recycled one?? grrrr,,,,!! Getting annoying ESPECIALLY since I OWE NO MAN ANYTHING!

I had to pull my credit report recently, it came back with over $8,000.00 in phantom utility and cable bill debts,not even in my name. I went through a week of panic stricken runaround, ran my phone minutes sky high over the limit on hold,without resolution. When I did get someone they pressured me to pay the bill, just to remove it off of the report. I refused, I called every single creditor on the list, not a single one could find an account in my name, or under my social. Of course I could not reach the credit repirting company at all. The free online report comes back as a redirect error message. Horrible. I went to my social security account online, and found my account blocked! Now I have to spend a day at social security to take off the freeze. I will probably have to hire an attorney.

I have been getting calls from different numbers saying the same thing. They have called my job, my girls and my husband. The last call came from 718-569-6520.I was advised not to return any calls and to block them on my phone

I have been receiving calls from a Michael Cruz at Cruz Financial representing Goldstein and Smith Arbitration. They said that I owed on a payday loan from back in 2009. I suspected this was a scam right of way when I asked questions and they have contacted our local sheriffs office saying that I am going to be served papers to appear in court and I will be arrested. I gave them my information and yes that was wrong but I put a stop on it and canceled the card that was used. They call assuring me that this was not fraud so I called the guy back and said that I called the AG's office and researched them online and they do not exist and he also said that they were with the three B's, they are not listed there either, the phone number is 716-402-1107. When I confronted them he flipped on me calling me all kinds of names and told me to enjoy going to jail for fraud.

I Have been getting calls from various numbers and supposed agencies for over a year. Each claiming they have litigation pending or they are going to serve me papers. The latest caller is harassing me at work as well...This has to stop! I have previously spoken with the AG's office and they tell me to not speak with these people unless they can provide information in writing in accordance with the FDCPA. The constant calling is getting so very tiresome and angers me greatly. We need to find a real way of stopping these fraudulent practices. I have no debt in arrears that they should be calling me about and I know that any information they come up with about me can be found on most background check services (most of which are free or cheap on the internet). I admit the first time they called me I got scared by their wording and information they provided. I have since learned as much as I can researching on the internet. I feel very sorry for those that actually fall for this type of fraud, but I understand why it happens. PLEASE DO NOT GIVE IN TO THESE PEOPLE!

Just say: The person you are looking for is NOT at this number OR I don't know who that person is and they are not at this number. If you are legally gonig to be served with papers they do NOT call to make sure you are going to be home. When you don't have income you just can't pay. Let them send something in the mail to your address THAT THEY SHOULD ALREADY HAVE -- DO NOT GIVE THEM YOUR ADDRESS, PHONE NUMBER OR ANY INFORMATION to show it it's legitimate or not. It probably is not.

If anyone gets a call saying to call a (323)673-1551 because you are being sued and blah blah do not call it is a scam! Its called law offices of ber g and associates and it is a scam...I got all his info! He told me I owed over $3000 for a debt I had over 7 years ago that doesn't even exist..the guy told me his name was Aaron Powell which is most like fakeand that the bbusiness resided at 555 west 5th street in los Angeles, California.. I called the BBB and she could not match it...they had me so worried and sick to my stomach for nothing.. They shouldn't be aloud to do this to us.this should be punishable by jail time and lawsuit..this just happened yesterday.

You can file a consumer complaint about the call with the FTC at ftc.gov/complaint.

I am concerned since I keep getting texts and voicemail messages about being pre-approved for a loan that was never applied for. Then, the extortion calls follow with scare tactics that I have committed check fraud and they are filing charges with the local courthouse. Since my SSN is out there from a data breach at my insurance carrier, how do I know that someone isn't trying to take loans out in my name or worse. I have credit check monitoring. This is all getting to be too much. I mean, these criminals called my office, my relatives...how can they be stopped if they are phantom debt collectors?

You can report this to the FTC at ftc.gov/complaint. You can also contact your state Attorney General’s office and the Consumer Financial Protection Bureau.

This is a scam: This phone number started calling my cell phone and my son's house number. 1-678-952-8081. Received a recording via voice mail from a local number saying that a civil lawsuit had been filed against me and that I was going to be served papers at my place of residence/employment. They left a number to call back: 1-678-952-8081 and gave a reference number.

My mother just died and I got a call from an agency.the can't tell me the amount of debt or who it is through and when I try to call them I get transferred To some one who wants to give me a free vacation to the Caribbean.i do not know a thing about vacations there but I do belive they do not need my social to book it Their name is c&k assoociattes I can not find their number online or any where if any anyone knows anything please Let me know.i would like to counter sue them for harassing me in a time of mourning.no actually I wold just enjoy punching them in the face

I received another text from Mark Lewis number 828-475-1640: If you fail to submit the payment today so you will be arrested so decision in your hand.

This was the text sent to me this morning. At first, I was scared and couldn't sleep when I first received this text a month ago. I have been laid off last year, and I haven't found a job and I was worried I was going to be asseted because I haven't been paying my bills on time. Finally, after reading a few claims on scams trying to get you to pay with a debit card, I was relieved and upset for preying on people like myself...

You might be interested in reading about these recent FTC cases, FTC Halts Three Debt Collection Operations That Allegedly Threatened and Deceived Consumers via Illegal Text Messages, and the related consumer blog post, Can debt collectors message you for money? No matter how a debt collector communicates with you about a debt, they have to play by the rules. That’s the law. You have rights. If you think a debt collector has violated any of your rights, the FTC wants to hear about it. For more information about managing your finances, check out Dealing with Debt, as well as Money & Credit.

I have been receiving calls over the last two months from a woman who will not identify herself or who she works for. She gives me instructions to call another number and ask for James O'Neill. A man on the other end says hello and asks me who is calling and what the case number is. I give that to him. He proceeds to threaten lawyer's fees and serving me at home or at work if I don't pay just under $300. for a utility - which they have no information on to provide me with - at an address that I have not lived for over 10 years. He then castigated me for not informing the entire world that I moved subsequently to the original move. He told me that I was acting like a three-year old, YELLED at me the world 'I'll see you in court' and hung up. I have spoken to local authorities and they have assured me that this is a common scam and not to lose any sleep over it. These people are sick and dangerous.

Had a call from John Hurt at Regional mediation Bureau and left a voice mail. Slightly convincing at first. Called the number "John" left. Was rude and aggressive. Would not provide his company name or any details. he told me he didn't have to tell me anything and I had to give him all of my details. I told him you give me yours first so I can check them out. He hung up. I tried calling back and asked for "John" each time he hung up. Finally got hold of another supposed "agent" or I should say co-scammer. He was hard to hear but did give me their name and website address. Wouldn't give any other details and then hung up on me. Checked credit score and could see nothing on there about any late payments etc. If they call back it could get interesting.

I keep receiving phone call from Global Solutions Arbitration department. The calls come from several different numbers. They have a lot of information on me and threaten to have officers at my door to arrest me. This is for a payday loan that I know I paid on time...back in 2009. I have pressured them back. Once you begin demanding they send it to you in writing..they become beligerent and eventually hanging up, letting you know you will be arrested. I have contacted a fair debt collection lawyer.

my wife got an e-mail from a cooper-law-firm sayin that i owe Cash Net USA $745 and that Cash Net USA has pressed charges on me they had an OLD address and my SSN can this be stopped?

The caller might be a fake debt collector. Some signs of a fake:

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

If this happens, ask the caller for his name, company, street address, and telephone number. Tell him you won't discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

If he won't give you all this information, do not pay! Paying fake debt collectors won't always make them go away. They may make up another debt to try to get more money from you.

On Wednesday September 9th I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was 646-394-9198. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he isn't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!

How did your situation turn out?

I got a call from 213 473 8450 a man said his name is chief mark shield and he is filing a warrant for my arrest do to check fraud. I asked for a warrant number and wouldn't give it time and then he said he knew where I lived and That he was going to pick !e up and I asked him to call me back. When he called me back he said I need to write a check to np financial and does not have an account and that he will email me a receipt and I would pay him

I just received a third call from lagal services to confirm that I would be home between 3-5pm to sign for legal documents. To have an ID available. I'll be here waiting. . .I thought when you get served legal documents, they just show up! They don't call and offer you an option to change delivery dates.

i received several calls and they even called my family members looking for me. they demanded a credit card payment by phone immediately or face a subpoena for court. i was so scared i almost gave them my card number. they had my social security number and credit history. it seemed real but there were too many red flags. they were saying i owe $4,000 for a $300 debt. they don't have a credible website. he only gave me one option to pay and wanted it immediately. no way was i giving him my financial information. but wow....super scary and stressful.

got a call from 646-205-3834 saying if i don not call back they will have a warrant of arrest for me, I called back and the person who answered said that they are from they are the office of unitted states laywers credit corporation amd beleive me they do not sound american they have an Indian accent so i told the guy who answered that i was giving the phone # to the police anad they will call them.

My husband received a message today from a very hostile woman claiming to be looking for me and that there were legal papers submitted to her and that I was going to be served at home and at work. She also said I could avoid this by calling 844-480-8635. She also gave me a claim number. Having a bad feeling about this from the get go, I blocked my phone number on caller ID when I call the number above. Of course the person who answered the phone would not give me any information on the company. He would not give me the full name of the company, or the address of the company he was working for. When I asked him what the business does, he uses a generic answer "we do a lot of different things". Of course the entire time he was asking me for the case number or my last name so he can look it up. I didn't give him any info and hung up. I also called the local number that the message was left from, and it was a deep voice man leaving a stern message saying that they were an investigation department and not to leave a message. The only info I could get was the name Midwest. Do not fall for these tricks!

Keep getting calls from a blocked number she says there's a complaint that she has received and I need to call 844-837-6257 to stop proceedings very vague so I decided not to call then my brother called me and said he received the same message about me is there harrasment charges or something I can do?

My name is rick A. I just found out I've been a victim of identity theft. Will someone please call me and tell me what to do . Urgent matter. ASAP. 210 or text me. Rick or email me. Please help.

We won't post the personal information you sent.

For help with identity theft, go to identitytheft.gov and find out what to do first.

Got two voice mails from this number (214) 613-5710 called the number a guy picked up and he knew my name without me giving it and said, I asked what this is about, he asked me if he can call me back in a fee minutes, I said sure, he never called back!

I received a call in September from a guy stating he was from Capitol Indemnity Solutions and that I had defaulted on a payday loan in 2009 by placing a stop payment. I checked 3 years of bank records and never placed any stop payments. I am now receiving multiple calls from a Shawna Hughes who states she is with the same company and that TWO companies are filing charges against me for online loans they say I've defaulted on. I've never had an online loan. When I told her I would need more information she proceeded to tell me she was only allowed to offer me a settlement and if I went court, and lost, I would pay the entire balances and that they would place a lien on my home and garnish my wages. She asked why would I want to risk that and I told her, because I don't believe any of this and innocent people defend their rights and their good name.

Just got a call today from a woman (private #) asking me to call another # and give my Claim #. Said I owed $300 from a pay day loan company, Triple Services, from 2 years ago and that they JUST found me. Had extremely old address info and email. Said I had to take care of this today because they're filing at 1 pm. Guy got mad at me when I wouldn't give my updated address, so I hung up on him. I've never taken out a pay day loan. Called my bank to notify them in case of any odd charges. Filed a complaint here.

I got a call from a supposed process server that spoofed the local county number. I called the number that showed up instead of the 844-826-6227 number Dell Martin left on the voice mail and was told that a process server would never call to warn me that they were going to serve me, they just would show up. I called the 844-826-6227 number just to see who answered after blocking my cell number and they don't even identify themselves, only say leave a message. I don't like this, but what really bothers me is that they have started calling my elderly parents on their home and cell numbers!! My mother called me frantic because she thought I was going to be arrested! I don't know what the solution is, but there should be some way to STOP these people from preying on the elderly! I hate it that they are calling me, but NOT my parents! I am not sure how they even connected us! Has anyone gotten a call wanting you to call back the same 844 number?

They call my parents and my place of employment. The 844 number doesn't work. I once had a number that actually worked. I called it 100x in an hour. Gave them a little taste of their own medicine. If you find a working number / direct line, please share. I'd like to fight back (again) the only way I know how.

You could report them to the FTC at ftc.gov/complaint. The information you give will go into a database that law enforcement uses for investigations. You could also report them to your state Attorney General’s office.

Blog comments don't go into the database.

(214) 206-8855, (281) 324-0229, 1 877-232-8460, these are the numbers from a so called, Cooper lawfirm? Rothstien, covitzz, and alberman...i hope these numbers help...scam,fraud, extortion, etc..

I got a phone call from an unknown number. Of course I didn't answer. Left a voicemail. The guy on the phone sounded very nervous kept stumbling over his script and said a warrant for my arrest was going to be served to me. As soon as I heard that, I deleted the message. My sister got a voicemail same day and it scared the pants off of her (she lives across the country from me) telling her the police were coming to arrest me and if I wasn't home they were coming to my job song warned her to "secure your weapons." This has got to be a scam. I may owe an old bill (who knows) but I know it's nothing to be arrested for. Especially since nobody has served me papers. Anybody else get this? They said they were "division one legal services"

I have been receiving emails from this company for the last 5 years off and on. But today took the cake."I am CHARLES EDWARDS from National Association Credit Management USA" and according to him, I took out a 300 dollar payday loan. I owe 978 dollars. I never took out a payday loan because nobody in their right mind would give me a loan the way my credit is. He claims it was in 2012 but I didn't have a bank account in 2012 so I dont know Where it was sent to but it wasn't to me. Then they claim they are gonna put my social security number on hold with the IRS and mess up my credit. Also they are gonna put my paychecks on hold until i pay them. Which would be stupid because how could i pay you if i can't access my funds? But ok. They claim they will get me fired from my job and make sure i will never get a job anywhere ever again. Oh and I'm going to jail! Everyone knows that no matter what type of bills you owe that none of this would really happen. If you owe a bill, it just goes on your credit report and that's it. Not any of this crazy stuff that their talking. I have never heard of either of the companies they mentioned. They don't have my number so they can't call and harass me. Thank the lord for that. I just wish it would stop because its annoying now.

I got a call today, claiming to be Smith, Warren and Associates, saying they were processing legal paperwork against me for an old debt, which the statute of limitations now covers. They provided two completely different numbers, and the address they provided is for a UPS store.

My HR manager gave me a note that one of these guys was trying to get a hold of me. and took a message. I called them back and they said that they were trying to serve me documents to take me to court. I ask what it was in regards to and they said it was from an 8 year old debt from US Bank. I brought up the stautes of limitations on this, being as mine was from Colorado and the SOL is 6 years on a written contract. She stated that that does not apply to checking accounts. I verified that a checking account is in fact a written contract and is in the SOL of 6 years. I asked for their name and they said it was Weinstein Fitzgerald and Associates. A quick google search yielded no results. I informed them that I have not received any documentation at my address and no one has attempted to contact me about this. She proceeded to inform me that I can settle the mater outside of court by paying the minimum balance, or place it on payments and pay the full amount, I said I'll have to think about it. I never called them back. I later received a voice mail after an unknown number called me and they said they were from Regional Document Servers and they are making their final attempt to deliver the document today. And I'm here all day, so we'll see. The guy left the number 888-686-4717, which when you look it up, is a number to a manufacturer on a newegg listing, and a few other companies. I called the number back, this time I recorded the call for evidence, and went directly to a male rep that didn't state his name, but answered as Weinstein Fitzgerald and Associates, not Regional Document Servers. I interrogated him. He informed me that the address of his companies offices was 420 N McKinley St, Corona, CA 92879. This is a shopping center with suit numbers. If they were a legitimate law firm, their name and info would be on file with the state Bar association, and would be public record searchable by any search engine.
He stated that their company outsources to Regional Document Servers (So why do both of you have the same contact number?). by the end of the phone call, he only wanted to get me to my "Case Manager" and was very upset that I was asking him all these questions, (about the company that he works for). He then proceeded to cold transfer me to my "Case Manager" to leave a voice mail, since she was not in today. I left a message that things smell fishy here and that I would love to straighten things out with her.

So we'll see where this goes.

We are getting calls from a lady, only identifying herself as Inspector Thomas. She is trying to reach my husband who she claims is the subject of a criminal investigation and if he did not call back in 24 hours, a warrant for his arrest will be issued. They have even called and left that message on MY father's answering machine! I thought that was unethical for a respected company or law firm to leave that kind of message on anyone's answering machine. When we tried calling them back, their voicemail doesn't even say the name of the company is! But thanks to all that have posted on here, I'm pretty sure it's fraud and we will be filing a complaint to the FTC.

They call my phone and husband phone saying the same thing but theyou come up as unknown. The do leave a message with a 800 number and a case number. Called my husband phone used his name and the same case number

My story is the same as Jay Star dated 2/11/16. Here is my story. 1:48 PM 2/20/2016 I was contacted by an unknown number on my cell phone on 2/19/1016. He stated he was a process server and that I was being sued in civil court and was going to be served that day at my home. I asked him who was serving me and he said he didn't know but had a sealed manilla envelope for me. I asked him for contact information and he gave me number 888-686-4717 and the case #09-00018.

I called that number and the person that answered the phone was named John Anderson. I gave him the case # and he told me to hold on. He comes back and asks me if I am Doug      at address in         Wa and the last four of my social security number. So I tell him yes. I asked him who is having me served he says Titanium Investment Group and that he was a worked as a litigation company for Weinsten, Fitzgeral and Associates. I asked him who was behind the debt. He says U.S. Bank.

In 2007 I had opened a checking account at US Bank and someone stole my identity online and charge my account up to over 1000 dollars. It ended up on my credit report for 2200 dollars and fell off in 2014. So I tell him that was on my credit report and fell off in 2014 and I can't be sued because the debt was timebarred. He tells me I can still be sued and I am getting sued UNLESS I pay and if NOT I will be looking at a judgement for over $3000 after court costs and attorney's fees but he said if I pay today I only have to pay $1163. I have just got my credit score back and have been working on it really hard so I got scared and paid using my Visa Card through Capital One Bank. He says thank you and promised no one can ever sue me again for that debt. I got suspicious after I got off the phone and called my bank and reported the charge to my credit card as fraud. Hopefully you will be able to warn others of this.

These are useful details for a complaint. Please report this to the FTC at ftc.gov/complaint. The information you give will go into a database that law enforcement uses for investigations.

Blog comments don't go into the database.

I recieved the same call, from a blocked number, the man also told me He was a process server from regional document servers and that I had a civil suit filed against me. And asked me to call 888-782-4106 and gave me a case #09-01202 and stated it was regarding the state of Colorado. When I called they answered as Weinstein Fitzgerald and associates. I gave him the case number and he told me there was a lawsuit against me and wanted me to verify my ssn and date of birth. When I refused he said I would need to wait for my summons if I wouldn't confirm who I was. Nobody ever showed up. Then he called the next day stating that he would be serving me since I never called the firm, and that I would be liable for extra attorney fees and cost costs, and instructed me once again to call the firm in the next hour to stop the process and concluded by saying have a good day and "good luck". He then proceeded to call every member in my immediate family including both parents and both brothers stating that I had a lawsuit against me and giving them the phone number and case number, and even went as far as giving my sister in law my date of birth trying to coerce her into giving them my ssn because they thought she was me! Can you say major HIPPA violation? This is a scam!! Do not give them any info. I have already filed a complaint with the FTC. I hope someone catches these guys!

anyone receive a message from a mike evans from unknown number 315 928-1696 claiming he was going to come to my home because he needed my signature on legal documents? and if I wasn't home he would come to my place of employee for signature

I have read the majority of stories on this page and I have had numerous instances of scammers contacting me. The only difference is, when you contact me, I become the aggressive one. I have called these people back numerous times to turn the tables. So many times in fact that they have all blocked my number. I call their bluff, state the law, and call back when they hang up on me. What I have discovered is that they can dish it out, but they can't take it....Just ask Brown & Goldstein or whoever they are this week. Filing complaints does make the issue known, but honestly, there is nothing legally that can be done unless the people are able to be located....

Is there any difference in a mediation compmany with a legal outsourcing department trying to collect a debut to just a regular garbge debut collector calling. Are they both held to the same regulations

The Federal Trade Commission enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. Read more in this FTC article about debt collection.

Keep receiving calls from summit receivables. I have been threatened with being arrested, leins on my property, garnishing my disability checks,coming to my home and taking everything i own.

I received an email today from a Skyler Smith titled "FINAL NOTICE AND ARREST WARRANT"
it had a big circle in the background with dept of justice written on it stating that if I don't pay within the next 7 days I will be arrested it was singed by a kevin cooper and cc'd to a also there was no address just a Connecticut phone number....

These are useful details for a complaint. Please report this to the FTC at ftc.gov/complaint.

I to got numerous calls from these pieces of .... And a half by the name of Ms Stine stated that my liscend would be suspended and a process server would be at my house along with a warrant. She also called my family members and gave a case number...but little do they know they called the wrong person this time..I have the FBI, local sheriff,FTC, and a law firm that specializes in this type of scam. We need to band together and shut theses people down and have them prosecuted and jailed!!! I almost fell for it, but they refused to send a validation letter, nor addresse and wanted banking info, so I googled them..and yup there fraud scam etc...don't fakk for this mess..

These are useful details for a complaint. You can report this to the FTC at FTC.gov/complaint. The details you give will go into a  database that law enforcement uses for investigations.

The comments you put here on the blog don't go into the database.

Now they are using another number, called my mom and thretend final notice, well I went and files a complaint with my local sheriff investigator and the numbers came up bogus an not tracible in there system.. This can't be legal. I've filed a report/complaint with every one I can think of but now I got the news involved..don't be intimidated by these people..or send any type of payment..

Received a all from unknown number but message left said to call 832-284-7033 and speak to Joseph. I called and Joseph said this was from a loan dated 1-9-2014 he gave me my last 4 digits to my ss# and last 4 of my checking account. Told him I would look info up and call him back. Could not find anything about this loan so I called him back and after I looked up info on this phone number and company Cash Net I told him go ahead and bring me the papers and that I was reporting this to FTC and Attorney Generals Office. He said good luck to me and that I should do what I think I needed to do. He also said he was trying to be cooperative to me to help me. Number I called said when I looked it up was 100% scam.

I keep getting calls from 855-201-2656 about a cash advance I took out 4 years ago. They are threatening legal action and have all my info. I reported to the FTC twice. It's getting annoying.

I have received calls just like this looking for people I know. Its scary.. makes you worry about a fried or a love one that might end up in jail or legal battles. I used the advise from this posting and the caller would never provide the information so I just asked them to stop calling me then if they cant provide me the info. They did provide this number. 855-526-2634 Side note. my parents are debt free owe no one nothing. This is BS.

my neighbor got a phone call asking if he knew me or my whereabouts he said no the man said something about filing a formal complaint if he did not comply .. then a few days later he gets the same call but this time a recorded message.. all he was able to get was the area code (855)i cannot imagine who it could be i do have many outstanding hospital bills.

I keep getting calls from Paige....it started that she was with trans America consumer services but now it is TACS. She called from a number for about a week and then the number changes. At first I was answering about engagin with them but now I am ignoring all calls. She just keeps saying that they will "proceed with the allegations against me". It is related to a payday loan from 2010. I have had payday loans before but I have paid them all. She refuses to give me their company address so I can't mail then anything. I have requested a verification letter at least 5 times and they have not sent anything. They won't even tell me the name of the original loan place. Just keep telling me that it is Cardinal management which is out of business according to the BBB. It is a scam but it is so frustrating and stressful to have to deal with this daily. They were calling my parents but they have stopped since I went off on them to leave my parents alone with are in their 80's and dealing with a serious health crisis at this time. I googled the company name and phone numbers and all indicate scam but it is still frustrating. Anyone else have any dealings with these people?

Please report this to law enforcement by filing a complaint with the FTC at FTC.gov/complaint. The information you give will go into a database that law enforcement agencies nationwide use for investigations.

What they do is get copy of our credit reports, as our SSN are being sold to them by utility, cable companies and our banks. I recently found this out by investigating each company privacy policies I do business with . Once they have our credit reports they look for prior debt and pay day loans and try to collect by scamming that they are legit which none of them are. Just ignore their calls. I had to get a call blocker and a unlisted number and they still got my number so I changed it. Drastic but for peace of mind its necessary. I refuse to have a home phone due to scammers but our companies we do business with are selling lists with our private information and that is how they get our numbers and various payment history. None of these calls are legit and unfortunately gullible people fall for it due to the intimidation tactics. Note of importance now they are disguising their original number so on your call dial it will show from a "311" or a 866 which is a scam number falsified by them . The scammer that left me a screaming message today at 7 am claimed to be from my courthouse using threats of arrest for a false docket number that I immediately went online and found out was false I know for a fact it does not open until 9 and when I called them they said this is a terrible scam that is gaining ground and to ignore them. Hard to not be constantly upset by screaming people on our phones but no courthouse employee would act like that and they are so overt in their behavior that they are immediately known to all of us as scammers.

Received two phone calls from a blocked phone number stating that they were a summons service company and wanting to make sure I was going to be home today to be served with court papers. I then told them that they were committing a crime not to call me back. They then turned around and called me one more time and I stated to them you are committing a crime I've gone to my local police department and file the complaint and I also filed a complaint with the FTC. They stated that they have a seal document for a lawsuit and would not give me any detail . I then asked him for the case number which was a bogus number I also asked him what this was regarding and he said he couldn't give me any information but to call and 888 number which I have not done as I hung up on them. This is a scam and it needs to stop FTC you need to do something now they are out of hand

I have gotten several robo-calls from unnamed arbitrators claiming that there is some claim in their office that I need to call another number about. They relentlessly call my landline and cell phone and have apparently created a fake website findmydebt.info that people can use to pay them.

My family and I keep getting calls from a fake payday loan debt collector. The call claiming they are from a company called TACS. They won't provide proof of debt or thier address. They call from 888-423-2420 and 888-553-6215. When I search the Internet these numbers have several complaints. They also use other spoof numbers. Please watch out for calls like these.

They tried to spoof a phone number with my area code. The recording said they were from our local court clerk's office. They left a different phone number and a file number. They never repeated it so I didn't copy it down. I called the number that called me back. A woman answered talking about the civil suit mentioned in the recording and that the clerk's office called me. I told her the number that called me was not the clerk's office. She said well they called you I didn't. I asked her if it was them why when i hit redial did I get her. She didn't realize that I didn't call the number left in the robo call. She quickly got irritated with me and said Good Luck in court and hung up. This was also about a payday loan. Statute of limitations is up for any potential criminal suit as well as lawsuit. In PA it is only four years. Debtors prisons are illegal. They cannot put you in jail because you owe money. Never ever will you get a phone call saying you have criminal charges or a lawsuit against you. If there are criminal charges, you would know because they police would be at the door. They don't call ahead of time. If there is a lawsuit against you, you would get a certified letter in the mail. They try to play on people's emotions and fears of a lawsuit or being thrown in jail. Get as much information as possible and file a complaint for the violation of the Fair Debt Collection Practices Act. There are cases in which people can be compensated for those violations. It isn't a ton of money but it definitely sends a strong message. It is against the FDCPA for companies to threaten action they cannot and will not take in order to coerce you to pay a debt. It is also a violation to leave messages with personal information such as you owe a debt or threats of jail with another party or on voicemail. It is confidential information.

Thank you for sharing your experience.  To learn more about your rights, please see the FTC publication, Debt Collection.

I recieved a call from a Robotic Voice stating they are Mark Brown from the State Attorneys Office 206-701-7426. They said I owed on a payday loan and they are going to contact my employer if I don't pay a certain sum of money. My husband is studying Cyber Security and he knew right away it was a scam. The guy is actually a foreigner.

Don't let them tell you a suit is to be filed in XXX county if you don't pay... ck the state statute of limitations which lets you know if they can even do that. Most are past the limited time allowed for suit...it's just a scare tactic. Do your Due Diligence first.

Got the same voicemail from (844) 846-5224. I called back and the lady tells me, they are looking for somebody else and they will remove my phone. It isn't first time I got from this number and they always say they will remove my phone, never hapenned!

If you get calls from this number 201-020-1024 wanting to fix your computer. Ignore. This is a scam call trying to get into your computer. If you continue to hold the phone, they can get your signal. Just hangup or add the number to be blocked. This number will call any hours of the day or night and is a scam call.

Had a lady from a company called hcl who called both my boss and coworker saying that I need to sign legal papers that were delivered at a place 6 hrs away I have not received any call nor have I heard of this company as she refused to give any information

I keep getting a VM from a Micheal Hoffman from (800) 501-3154 stating he was a process server and gave me a reference number but they are calling for someone else who has the same last name as the name I divorced over 20 years ago. I figure they have the wrong number so I ignore it because it is a fairly common last name. After 5 VMs I called back to let them know it was the wrong number, thinking they would ask me a couple questions to verify it then remove me from the list. He becomes very verbally assaultive even called me racist terms a few times. They refuse to give any company information but keeps arranging a pick up or scheduling a time to serve the papers and that if they get the papers a warrant for arrest for this person will be served. I felt like I don't want someone in jail because some idiot got the wrong number so I tried to help. It must be a total scam! No legitimate professional person of any genre would not act like this without even verifying they had the right person.

Yesterday, I got a call from a local number 817-409-4971. The guy asked for me by my maiden name (a name I haven't had in 7 years. I wasn't thinking and corrected him and told him my married name. He said "well _____(my first name) I have claim against you and I need to know if you are at your house or place of employment." I said "no" and hung up. He didn't identify himself and I smelled "scam" He immediately called back 4 times in a row. I finally blocked his number. He did manage to get in a message and said that his name was Frank Roberts and that he did not appreciate me hanging up on him and that I must call the number 844-437-0185 immediately or he would he would reach me "personally" He also gave me a case number. He said that he would verify my home and employment address to serve me the "claim paperwork filed against me" He said he was marking me down as evading their services and I only had till he me with me to call them.

On another line I tried to call the 844 number he gave me and he it is a recording that states it is the processing department but not a company name. If you push "0" for the operator, a guy will answer and just say "Continental" I hung up. The guy called back twice today (it shows up even though I have blocked it) He also was able to leave yet another message stating that since I refused to call the client (again not telling me who), that he would put me on his "route" for the day. Also the case number he gave me started with 2016, and he still is referring to me by my maiden name. I haven't had that name since 2010 so why would it be a new case number with my old name. I looked at my county court and have no claims or suits against me in either civil or criminal (just checking) courts. I did check both my current and former names and there was nothing.

Oh, and I tried to call the local number back that Frank Roberts keeps calling me on and it is a message that says "You have reached the investigations department, you cannot leave a message," and then hangs up. It is really scary, he also keeps saying in his messages that I have already had a chance to talk to the client, and no I haven't. I don't even know who the client is because he never tells me. Maybe I should report to the FTC?

Yes, please report this to the FTC at FTC.gov/complaint. The information you give, like the phone number and business names you heard, will go into a secure database that the FTC and law enforcement use for investigations.

I got a call from a place called Advanced Arbitration Group stating I owe for an account called HSBC Household. I told them to email me the account number and name they did email back just that I owe 300.00 to this company. The email does have their address or phone number. Anyone else get this call?

I'm one of the people that actually fell for the scam. I didn't pay them but did sign the agreement paper. I didn't felt right about the whole situation so called an attorney and they checked out the company (West Point Group) found that they was fake and not a legitimate company. so I canceled the card that I listed on my agreement. I got concerned if they can still legally come after me since I was stupid enough to sign the paperwork. The attorney told me no they won't because its a scam and they people don't want to revel their identity. I did try to do my due diligence and check things out. I asked them what the medical bill was for and they told me the date. I asked for the copies of the paperwork and told they were unable to provide it. I even called the medical provider to confirm the date of the service. They told me yes the date was correct. So that was the reason I signed the paper. There was a gal that wrote in here if I signed the paper they could reinstate the debt and legally try and collect the debt. The case wouldn't be true if the company they used to try and collect is fake correct? Wouldn't they have to prove that the debt existed? I guess now we just wait and see what happens. Has anyone had this experience? I was stupid and afraid and now paying the price for it. There's a lot of comments out there stating they didn't fall for the scam.

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It is your choice whether to submit a comment. If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Comments and user names are part of the Federal Trade Commission’s (FTC) public records system, and user names also are part of the FTC’s computer user records system. We may routinely use these records as described in the FTC’s Privacy Act system notices. For more information on how the FTC handles information that we collect, please read our privacy policy.