Phantom debts and fake collection notices

Imagine getting an official-looking letter — with a seal, signed by a judge — that says you owe a lot of money for an unpaid payday loan. Awfully intimidating, right? Especially if it included your correct name, address, and maybe even your Social Security number.

In a new twist on an old scam, criminals are impersonating law firms, judges, and court officials. They send out scary letters and make threatening phone calls about phantom debts to try to convince people to send them money.

So, what should you do if you get one of these nastygrams? No matter how convincing a letter or phone call seems, check it out. Look up the real number for the government agency, office, or employee (yes, even judges) and get the real story. It’s likely to be a scam.

Be suspicious if anyone — no matter who they say they are — asks you to wire money, or load a rechargeable money card as a way to pay back the debt. There’s no legitimate reason for someone to ask you to send money that way.

Curious about other imposter scams? Check out some of our previous scams alerts. And if you haven’t already, sign up to get new scam alerts by email.

Blog Topics: 
Money & Credit


no comments. but where is money. I need money for invest? where I say about it?
do something first.

recevied one of these calls yesterday and when I questioned them they said you will be arrested Thursday at work and hung up. then when I called back the girl who answered the phone couldn't remember what "law firm" she was answering from

Thanks for the heads up!

Fortunately I know where these phantom debt notices are coming from. I discovered that these are remnants of debts from ID theft.

I've been contacted and was threats were made on my voice mail. I had given my bank information until I tried calling the company back and was not able to get through to a live person. I searched the web and found many complaints. Since the rep stated I needed to settle a debt from 2007 and when asking for original lender I was told they did not have that information. Should I mail a certified letter? I cant afford to lose my job and/or pay court fees.

Dont worry its a scam.
Don't buy into that crap
You will only be served by a constable in your area and you will be notified many times before that by the creditor or legitimate collection agency.
look up fair debt collection practices act fdcpa, these calls clearly violate most if not all of those laws

Not only do I recommend that you not fall for their intimidation tactics or pay them one dime--if you gave them ANY bank or credit card information at all, you need to monitor your statements carefully and frequently, keep track of your purchases so you can spot any unauthorized transactions because there's a good chance that they WILL debit your accounts, and keep draining your accounts until you're broke. DON'T LET THEM INTIMIDATE YOU!

Block the number on your phone and notify the poice dept. This is a scam. If they start calling family or friends they need to block the number.I was getting these calls and started blowing a whistle in the phone when I answered the phone they finally quit calling me.

You need to contact your bank immediately. There is no telling how much money they will take from you and if you gave them the information and authorization to take it there may not be much they can do unless you contact them before the money comes out.

Back in 2012 I had a call at work from a group that claimed I owe money to a payday loan I never got. Because the payday loan co they claimed I owe do not accept applications from the state of GA. They said I owed almost $500 which was already paid to Pacifica Credit already. They called again today with the same number with a change of the last 4 digits of the phone. They are trying it again if you get a call from a 919-399 out of Durham, NC with the last 4 digits 5998 or 9005, its a scam hang up.

SCAM: They say they are the IRS. Yesterday they called 5 times. First return call I was given name of Mr. Peterson with thick Indian (India) accent and he said they checked my husbands taxes and he "lied" on some things and had warrant for his arrest. My husband returned the call and after 10 minuets on hold was hung up on.It sounds like a large call center as you could hear others in background. Today they called 3 times. I returned their call , was given the name Jack Thomas a paralegal and he too had thick Indian (India) accent ,I tried explaining they need to speak with our bankruptcy attorney and he hung up on me. So I called back. Again someone with thick Indian (India) accent answers the phone and I ask for a name and he starts with Charles, and someone in the background , which I heard very clearly he said just hang up , Then the man said my name is Charles F**k-off and hung up. I called back again and they just hung up. I tried one more time and got voicemail box 2040. I told the in voicemail we are in bankruptcy and when our attorney called them last evening, they hung up on them. So we were instructed by our attorney to document every call, and tell tem we have called Washington County Sheriff, The Federal Trade Commission and the bankruptcy court.

Got two calls today from someone claiming to be SAMMY PARKER from the IRS, stating that I must return his call immediately (RIGHT)! The phone number is 415-251-3754 Novato, CA....very thick Indian accent and rushed throught information that I must return his call before an legal action is taken against me....have a good day was his closing remark. Bogus SPAM

I am from Russia.Going stream spam sms to my teephone number named from Sberbank of Russia.What to do to stop that stream?

I receive these calls daily threatening seizure of property, lawsuit and arrest at work, home or school if i dont pay for a fake payday loan that i never took out. The numbers they call from are:317-2000+-3265 and 701-491-7809 and other numbers that a google search will show you it is national attorney network.. a collection of third party attorneys who buy old debts for collections.. These calls are scams in a back end office and employees are ex cons and current criminals with the highest level of education being 9th grade.
Just record the calls, play along, obtain all the info, retain a pro bono atty, file an ag and ftc complain and sue the company.. thats how you can win

This guy name Deputy Officer Wilson has been calling me all day. He said that I owe on some loan but couldn't tell me where it was coming from! He knew where I banked at and my last 4 if my social security number. He said I owe on this loan and they had tried taking it out of my account but they couldn't. I called my bank and everything and they didn't see the transaction. He even told me that Texas General Attorney was gonna file through with it if I didn't pay something today! He said that the police officers will come pick me up and I can spend up to 35 days in jail. He even said that they sent all the information I need through via mail and I asked him why haven't I recieved a letter. He is bc it's confidential and he is willing to accept money from my fiancé for the transaction. I just don't get it. In alittle scare but hey if I don't got it I don't got it!!

There is a new system used by fraudulent scammers. Your payment on line is denied several times. These payments denied are now submitted as genuine payments on your Credit Cards. You are debited for any amount the scammers decide.

Wow! A mo ago I got a phone call saying he was from a law firm saying i owed over a thousand dollars for a payday loan he wanted me to purchase a recharable card and send1/2 the money i owe then my folowing payday send the rest thank God I told my family I dont remember taking out a loan let them take me to court. Bye bye scammer lol

I have been called b the same person, saying I need to pay off a bill for mike. the phone numbers the call from are 321-473-9914, 202-214-2808, 202-200-5414

I received a call from ph# I didn't know and they left me a message which was an automated on saying they have been trying to make numerous attempts to contact me but this is the 1st message I'm getting and that they have no other options to file suite against me. I have never received anything in the mail and I don't want to call them back because I think it is a scam

Please be cautious of a caller identifying with Zimmerman Young and Associates out of Buffalo, New York. It's a scam!

I have had similar situation from PDL recovery supposed to be out of Amherst Ny claiming to be collecting a debt for check and go. I do have a debt wth them which i had reported to them that but they continue to call multiple times a day. They are not calling my supervisors at home!

Green, daily & assoc......fraud. Be careful they will call from an unknown number and claim to be from the sheriffs dept & are going to arrest you.

I just got a call today and insisted on calling back to demand what this was about. He claimed to be Paul Rosenberg with Department of Legal Services. First he said he was an investigator, then he was a paralegal. His number is 716-247-5131. He said there were several complaints against my name and SS#. I refused to give him info until I knew why he was calling. He hung up and said "Good luck in court". Obvious scam that I am reporting.

I have received two different emails from collection companies. Saying I owe them this amount of money. And they are holding my SSN by the US Government. And I had one company put money into my checking account. I've never authorized this. So am I now responsible for this or not.

I dont think anyone in Dallas TX dealing those kind of calls... but good to know. Like to know if anyone in the latino community has been affected by this kind of scam.

I answer the phone with hello. Whey they ask an obvious Yes answer question, Is this YourPal? I answer, "speaking". I then say this number is on the national do not call list and your number has been recorded for reporting to the FTC. Have a nice day, good bye. Never say Yes or No. You are being recorded. You have the power, you can hang up any time. Don't give them any information.

I just got a call from a Texas number 972-348-9148 claiming someone has filed legal action against me and offered no further information. The lady wanted me to write down a file number and different telephone number to call. I refused and asked her where she was located and she would not answer the question. She then stated someone will serve me with papers, and hung up on me. 100% confident this was a scam.

What happened with that? I got the same call today! I asked who was filing against me and she said she didn't know. Then she said I could pick up the papers or be served. I hung up. I have no idea who it was.

Got a call from Worldwide Requisitions accusing me of check or bank fraud. When I called them they told me I had to make arrangements to pay a debt or I would be served with a subpoena from court. I asked them to fax me information that gives me proof of their allegations. They said they can not send anything and since I would not make any arrangements over the phone I would be served, then they hung up on me. I sent a Verification of Debt Owed Letter to their address with tracking and has be undelivered which at the moment I do not know why. They have gave me a false address and told me also they do not receive mail at the address I believe is theirs. Now I am trying to get a PO box from them but am not sure it's is legit. I have made a report to the BBB, Federal Trade Commission, and The Consumer Financial Protection Bureau with copies of my letter to in hopes this will make them either send proof of the debt or stop them from calling.

I received a call from a woman who stated that she had my file on her desk because of a payday loan that I never repaid. She pretended to be with some law firm. She said that they had reviewed my bank account and believed this to be incorrect, but needed to verify some information. I told her it was incorrect and anymore correspondence needed to be done by mail. I have not received anything.

Been getting calls from (404 334-7492 out of Georgia. Company goes by name, "Highland Financial" or something of that nature. I spoke to a female the 1st time this call came through...the image I have of her is someone with a cigarette in her mouth, rollers in her hair, and a bathrobe on. She did not sound professional AT ALL and that is what prompted me to hang up immediately. But to my chagrin, I have been getting robocalls from this number pretty much on a daily basis and that is on-going for about 3 weeks now. The robocall states that a formal complaint has been made with their office regarding my social security number and that I need to contact them immediately or they will be forced to action a pending warrant. I did some digging online and the phone number is linked to an address in Tucker, GA. There is a Craigslist ad where a fellow named "Mr. Dunn" is seeking payday loan debt (404 334-7492 as the contact phone. They also have (855) 798-1893 as a number too. If you are like are totally and completely SURE you do not owe anyone for a payday loan, then keep hanging up the phone. Do not press any numbers on the phone...just hang up. You may want to warn your employer and friends. These creeps probably bought a list off of a company and have enough information to reach out to people in your circle. This is definitely a not be rattled by these people into giving them ANY information.

Received a call from a family member telling me some company called them looking for me. I called the company back and realized something didn't sound right. All I asked was can you tell me what this is regarding. The person started talking about something thing changed to something else. Next thing I know he is yelling at me and being belligerent so I said good bye. Called my family back and told them it was a scam. And hung up with them then my family calls me saying that the company called them back and threatened me. Saying they were going to break my arm and do all these things. I called the police this is unacceptable!

But how do I get them to stop?

I received a hard inquiry on my credit about a year ago. Looked it up and it belonged to a Platinum and associates in brea. I receive a call about a week later stating that They needed to serve me and were going to send me something if I didn't respond withing 24 hours no ignored them. Now here we are a year later and they started calling me, my work and my mother with the same claims. They've called my work several times and it's really irritating. Sadly, In my line of business I hear about such scams almost everyday.

The company now is claiming to be PFC capital group and gave me a file number and internet phone number. To call back.

on February 6th I got a call from 8552642060 they said i had taken a loan thru cash advance online services. I said i never accepted any loans they said i owed them 798 dollars and if i didnt pay it today i was going to be arrested in an hour. I freaked out they had the last 4 digits of my ssn and my place of employment. I called the credit bereau systems and submitted id theft. I also called the police and bbb. i called my social security department as well as the fbi. well now they are calling my work and tyng up the phone lines. im now even getting calls from 18886839683 and 2064523951 all of these were listed under scam. I am afraid i will loose my job but i am at my witts end. any suggestions.

You may want to contact your state Attorney General's office and report this experience to them. Many states have their own debt collection laws in addition to federal laws. Read more tips on how to handle fake debt collectors here.

I received a call from a guy at my work claiming that I owed a payday loan from 2010 and what did I plan on doing about it, I asked him what was his number and I would call back after work. He called my job several times that same day before I could get off which alerted me that this was a scam. He said he was a company called DFF and number was 567-244-2633. After I got off called this number which I had looked up before hand and saw that it was an Ohio number but when I asked where they were located he said California. I told him look I know you are a scam and this number is an Ohio number and you change your names and numbers often and you call peoples work numbers harassing them and I know you are from India and this line is being tracked. He got so angry with me and called me names I cant say on here and hung up on me. The next day he called my work and had the phone system tied up for a while and was robo calling where when I hung up phone he would keep calling my job, and I work for a large company. He was calling my co-workers names when they answered the phone too. He told me that he was going to keep on calling until I got fired unless I told him what I intended to do about this loan he said I owed. My company was able to do something to stop this clown when he calls now which I cant mention because these scumbags do look at all these sites. He called my job for 3 days harassing me but now I don't know if he calls or not because I don't get them. HaHa beat him at his own game dingbat. Don't send any money to these criminals, you wont be arrested at work and you have no lawsuits against you.

I believe I've gotten letters to that effect, but also know that bills have been hidden or taken in replace. Altogether I believed I've been scammed or have erroneous bills totally over $8000. I've had doctor offices file too late, give more shots than needed, hospital bills that insurance didn't pay, and so on. The credit reporting agency can only do so much.

I am receiving phone calls from 716 210 8027 describing them as tax crime unit of irs and if i do not pay certain amount right away the way they want,irs will let the hell fall on me.where to report this.

You should report your experience to the IRS. The help line number is 1-800-829-1040.

I have been receiving calls from a providence legal group says my husband owes a payday loan. they call from an unknown or private number. the number given to call back is always different 1-855 number. when asked for statement through mail i get an email. I called back to day and said i need it in the mail not email he said they don't do that and i can take my chance in court then hung up. he said his name was Michael Jones from providence legal group. i don't know if its a scam

This is indeed a scam. Michael Jones has called me about a bogus debt from 2012. Informed him this is false. Hung up on him. Now some lady names Ms Poole calls about wage garnishment and court date. Looked up the # and its a scam. Also did a search for any pending cases in my name or SSN and nothing comes up for my state.

I received a litegation letter from Russo & Russo Finacial, claiming I owe 1,600.21. I have no known debts and upon looking these guys up, there are many accounts of similar fraudulent experiences posted on various blogs. This is criminal, control by fear.. It's really sad. :(

I just received the same call. They told me the exact same thing and when I called back I acted as if I was a debt collector, he told me " I know this is scam, im not paying you". This goes to say they are a scam. -1-888-683-9683

I had a message on my home land line answering machine. The man had such a heavy foreign accent that I could hardly make out what he was saying. He said I or my attorney must call back today or I will have to suffer the consequences. He said his name was Michael but I am sure he was not American. He left a number of 909-666-5475. Unfortunately, I could not call back from my private unlisted land line number because I do not have long distance and I had to use my cell phone which has a public number on it. A man answered, with a heavy accent and a different American name, and said he was with the crimes prevention unit. I stated I was going to report them to the General Attorney's Office for telephone fraud and he asked me who I was, I repeated the same thing, he asked me who I was again, I repeated the same thing and then he hung up. Now though I am worried they have my cell phone number. Previous to this, for a couple months, I would get a call about a loan I applied for and I argued each time with the foreign person that I never applied for a loan! How do I turn these people in?

My husband received a phone call today at work and one at home. I looked the number up (785-330-5326). It seems to be a number from somewhere in Kansas. He was told that he would send the police within two hours to have him arrested for a $900 debt from a cash advance place. First off, it sounded like he was reading off of a script, second, he was extremely hard to understand. My husband is completely freaked out and wracking his brain thinking he took this loan out at one time. I know he didn't.

I got call from 6789643279 telling me that att owe me $28 or they will cancel my internet. So, I gave them my debit card number with security code but did not provide any pin. then, some one called again from 4047818730 to confirm my billing address. when checked my internet account, there was no bill due. and they already charged me $300 before I could report my card stolen. Beware of these phone numbers. they even provided me my last four digit of my bank account number. I do not know how they got this information. If some one calls you telling you that your account is past due, please call the customer service of that company and find out out whether you are really past due.

I received a call today from a Mr Mitchell and he stated he was looking for my niece. He stated she wrote a fraudulent check for a company she had never heard of and he would come looking for her at her home or on her job if she did not contact him asap.

I received a call on my cell on November 13, 2013 with a message left from a Jeffrey Douglas stating he was an independent locator legal process server from the local liaison (s)
office legal department -no firm name calling on behalf of Brinkman and Associates phone number: 866-232-7216 claiming his office received 2 complaints on my name and social filed against me. I returned the call and was put through to their legal department. They told me it was for pay day loan with a check from a closed account written in 2003, cashed in California. I never have been to one of those in my life, nor have ever been in that city. I was also living in the South at the time I was supposedly in California cashing the check.They insisted I did write it and told me the name I wrote down as a was my former father-in-law. At the time I supposedly wrote the check I had been remarried for over 10 years! I told them this. They then said well maybe he wrote it. I told them that he was well off and never left his state and if they allowed a man to cash a check in my name, and I am a woman then I have grounds to sue them. I asked for the information to be mailed to me - they had my social and address, they said they already had sent it to me in the mail. I never received anything, nor would they give me any contact info. They said unless I paid what now equals to a little over $ 500.00 I would be served at work or home just as they stated on the message and taken to court. They never showed. I thought I was done with them but today a Lenore Reynolds , a locator from the local liaisons office was contacting me on behalf of CCR & Associates at 8666762361. In the message she stated that she needed to have me, "sign some legal documentation." She said that I could contact her within 24 hours because she was coming to my place of employment to have the documents signed. She ended the call with , "Good Luck."

I'm new to this forum, but it looks like 99.9% of these calls that you receive are scams. There are two ways to handle these: 1) Hang up 2) String them along. Depending on when the call comes, my usual choice is #2 ... oh so many fun options. My favourites (note spelling, I'm Canadian) are the ones purporting to be from MS, government agencies, and especially the ones telling me that my computer has been infected. Note, I'm a retired network security engineer ... so I usually know what I'm talking about with these dimwits ...if anyone wants to string them along and gets stuck, all you heve to do is say " hmmm, I just don't know how these "viruses/malware/bugs/etc" can affect me on my LINUX system

i keep getting calls from this number: a robo call 866903328 leaves a message with a case number to call another number. then i get a wireless call from 5857306445, 2813050252, 5857306182. i believe they are all the same making calls. a guy leaves a message with no accent but does not leave a name but states is about check fraud, my social and by bank which he knew by name. he also called family members and a friend but they were told about this scam. whatever you do, notify the family members about the calls and not to speak to them.

What people are not aware of is, when you submit online applications for payday loans, some of the websites sell your personal information to third party lenders which some of the are scammers. They in turn and call and try to run a scam. I have received numerous phone calls from 785-330-5326 which say I have criminal charges pending. I know I don't because if that's the case I would be in jail right now awaiting trial. The calls didn't start until after I put in applications for a payday loan online. The guys is Indian. They made up a law firm. The calls are recorded so when they do get you to verify your SSN they can use that against you. I had to tell them I would get the FBI to investigate them and that they weren't fooling anyone. Until I get served an actual notice by a constable I'm not falling for this. Having unpaid loans does not result in a criminal case. The worst they will do is have that debt reported to the credit bureaus showing that it is a charge off or an unsettled debt. That is not grounds to go to jail.

I received a call today saying I had a payday loan from 2009. The caller stated that the check was from Chase Bank. The problem is, I never banked at Chase but did remember that the bank I was using at the time was indeed bought by Chase. I did use payday loans back then but have since filed and paid for all outstanding debt in my chapter 13 bankruptcy. I have talked to my local Police Department to informed them of where I was if it was true so they could arrest me. I was promtly called back by the check fraud department and told that it was a scam and to put a freeze on my credit at all three credit reporting agencies. The thing I did do that really result in the called getting upset with me was I started laughing at him and asked for a number I can call him back at.

I got two calls today. Same person with thick Asian Indian accent with different American sounding names. One on the landline went to VM and another on the cell. First was about some remaining debt and then he the police is coming to arrest me(646 no.) and the second from the IRS(888-724-4819). When the second call came I picked it up and I told him that the person he was calling for is not here and he said he would like to leave a msg. As soon as i ended the call, he promptly called back and left a VM about an IRS debt and the std spill of geting me arrested.
Dumb scammer at least stick to one story for a person. Had a good laugh. These crazy people need to be arrested though !

I continue to get calls from and unknown number. the Voicemail they leave tells me to call 877-423-5836 who say they are a "federate specialist". I called few times, always different people. They said I owe $150, then $75, and lastly $2850 for debts that they can't tell me who its for. when I asked for them to send me a bill, they cuss and swear, yelling PAY IT NOW. I laughed and told them to quit calling me. The calls keep coming and the voicemail keeps showing up. Verizon can't even block it because its VoIP and masked to be unknown. what garbage.

I get calls from the same number...crazy...How can we get them???

I keep getting calls from CENTURY CLAIMS SERVICES from different numbers (today it was from 303-835-6940 and 480-336-2607) claiming I owe money from a payday loan (I do not) and that a warrant has been issued for my arrest. Same scam as many have written above. No paperwork, no correct information on me regarding employer, address, bank account. But they did have the last four digits of my social security number that they wanted me to confirm, which I refused to do so. These people are belligerent, abusive, unscrupulous, and relentless. I keep filing complaints and hope that they will be investigated. From now on, I will hang up and not engage. I recommend anyone facing the same thing to continue to publicize to protect others and demand the FTC to do something to stop this fraud.

I just got two calls from them this morning. On the first call, the woman identified herself as someone working in an attorney's office. According to her, I had taken a payday loan out and it had defaulted. She knew a couple of addresses I'd used in the past, along with the last four digits of my SSN. This worried me, as she also listed two of my siblings.

After reading a few complaints online (I Googled the number) I called them back and told them that I'd done some research and found out that they're scam artists. Even this didn't stop them.

Here's hoping the FTC finds these bottom-feeders and refers their 'business' practices to the Justice Department. I'd like to see them prosecuted to the furthest extent of the law.

Received call from Ramon Scott from number 8558945103 claiming he is from the BCI of Maryland. What he didn't know is that Maryland government was all closed due to bad weather. Later I was given the addresses of 1401 Bayview CT Ft myer FL 32416 and 101 highway 28 West ft Myer FL 11062 all false addresses might I say. Later got call from my boss that this dude was harassing them about the debt as well it was a fraud/scam I told my boss. I later called them back to tell them I was reporting them and to stop calling me if they keep refusing to provide me with written documentation of and debts due. I reported everything to the FTC and intend to report it to the authorities as well. Also received fake calls from my office number and 911.

I have been reading several statements from people about the payday loan scam. I have been getting unknown calls for the past two days.. One number I was to call was 202-803-5785. Today was to call 202-417-2021. I googled both numbers and found numerous complaints. They call and say it is about bank or check fraud and to call back before the end of the business day or my wages will be garnished and they will contact my place of business to verify I work for them, and I will be arrested.. I read thru the comments of people that called this company back and all said was for a payday loan, and they owed 1500 dollars.. They would settle for 500. Most people knew it was a scam. Some people fell for it because they were harassed, threatened and sworn at.. I even ran a reverse phone number on white pages and it came up invalid phone number.. I don't know what to do to stop this but this is getting out of control. It is a scam and now I will have to contact HR to let them know about this.. They won't give out their address and supposedly these are Washington DC area can we stop them if they can't be found?? They are frightening and scamming people..

Once your info is online for anything it's available for these scammers! I too had online pay day loans back in 2011 but I paid every one of them off! Now 3 years later these scammers are calling my ex husband from unknown numbers etc... Saying that have a legal matter against me and if I don't pay today that I'll be used and arrested. It's a scam! I've contacted my local police and told them about. They said it's def a scam! Do not pay anyone over the phone that demands and threatens you to pay them over the phone immediately. All of my online loans are paid and I know that! All of the sudden these scammers are saying I owe money. Do not pay them! Report it to your local authorities and file a complaint with the FTC!!

I received a threatening call from a man who said they had a sealed document that he is being paid 150.00 to deliver to me. He said that he is going to come to my house or place of work to deliver the package. He went on about going to authorities to deliver the package. He gave me the number 855-262-7547. I called and it went to the voice mail of Paul Matthews.

When you receive a call you suspect it’s from a scammer, the  best thing to do is hang up the phone and file a complaint with the FTC. The more details you give in your complaint the better: phone number, time, name, what they said. The FTC's complaint database is available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad and it's used to investigate and track these type of calls.

I have received calls from a recording that they are looking for me...said I am a defendant in a case and need to contact me...I know I am not involved in any case but they call and make it sound important. I would think if they were looking for me they would not give a recorded msg..They have also started calling my cell phone. I looked up phone number and it is a scam. Anyone else get these calls???

Received a call 2 days in a row plus an email stating that I owed money for a cash advance that I never initiated. Said that I had "24 hours to respond or else . . .". I called the number (215-353-5040 out of PA) from NC IB@USA.Com Cash-in -advance and spoke with "Tim Morgan" department manager of their "legal department". Very think accent from India and very noisy in the background. When I explained to him that I didn't receive a loan from his company, he said that he didn't have "any other information, only that I owed his company money". REALLY? The legal department doesn't have any information? I asked him to mail me the documentation that SHOWS i accepted a loan and howI agreed to pay them back. Once again, he didn't have that information. He proceeded to tell me that he would have to take it to the "next step" and have brought before the judge, etc. I said that if you bring me in front of a judge, then you'll HAVE to provide the documentation that SHOWS I accepted a loan from your company. He then said he had to hang up because I was interrupting him. Damn right! I was telling him about the police report that I was going to file because I was a victim of fraud and a credit scam and that my accuser could not provide me with any evidence that I had taken out a loan. We'll see if I get another call.

There a collection agency!! None of you dead best debters are gonna pay your bills unless your threatened!!! Only scum bags take out payday loans! You know u all owe the $$. PAY YOU BILLS PEOPLE & U WONT GET A CALL FROM COLLECTION AGENCIES!! You people are the scammers!!!!

Actually, the callers are not collection agencies -- they are scammers who are impersonating lawyers and officials. Anyone can be a victim of these calls. The debts are just as fake as the people making the calls. Virtually no legitimate business or debt collector will require that you pay using a prepaid card.

The fact that scammers like you are trolling complaint sites like these only serves to reinforce the message to those who look here and elsewhere for some relief. What you do is illegal, and slowly but surely the FTC is sueing you and your "parent" companies" out of existence. There is legislation in the works to add some criminal bite to the current FTC/FDCPA law, so I and others will have the additional satisfaction of knowing people like you and the outrageous statements like the one above will land people in jail. Sat off these sites - some of us are actively hunting you now.

Three calls received: two from 8067314844 (March 28 and 31, 2014), one from 8557608948 all calling for an "Amy <followed by garbled last name>". From Myers (or Meyers) Associates at 3027030752. List case number and report calling about my "allegations" and requesting call back to 302 AC number if I wish to dispute allegations.

When these scam calls come through, and they announce their purpose, I immediately say "this call may be monitored for quality and may be recorded for evidence purposes". The shortest measurable element of time before they hang up.

(415)230-2036 Got a call from an unidentified number (sent to voicemail) saying that I needed to call back. Claimed I had 2 cases pending against me and I had 24 hours to call and resolved it. Also stated they were going to file with "the local dispatcher" to have confidential paperwork delivered to me that I would need ID to receive.
Very, very obvious scam. Almost laughed when the message said paperwork would be filed with a dispatcher.

I received the EXACT same call today from the same number. They had my name, last 4 digits of my social security number, and the name of a very old debt (over 15 years old) from Mervyns Dept Store. I almost fell for it.

my boss got a call saying that i had a lawsuit against me, and that i was in trouble in MN. i have no debt, credit cards, bank accounts, or even a payday loan of any kind. i called them back, and when i questioned the man about his company and who he was, he yelled 'WHO THE F*#K IS THIS???'. i then called back from my cellphone pretending to be someone else asking questions. the same man said 'hold on, let me pull up your account info here'. i asked 'how can you pull up account info if you dont even have my name?' he asked for my name and phone number and i kindly said 'no sir, you called ME!' he hung up afterwards. SCAM!!

my boss got a call saying that i had a lawsuit against me, and that i was in trouble in MN. i have no debt, credit cards, bank accounts, or even a payday loan of any kind. i called them back, and when i questioned the man about his company and who he was, he yelled 'WHO THE F*#K IS THIS???'. i then called back from my cellphone pretending to be someone else asking questions. the same man said 'hold on, let me pull up your account info here'. i asked 'how can you pull up account info if you dont even have my name?' he asked for my name and phone number and i kindly said 'no sir, you called ME!' he hung up afterwards. SCAM!!

I received a call at work again about a payday loan that I applied for online years ago but didn't get approved. This time it was a (804) 482-4026 # from National Attorney Information System. They wanted to verify the last four of my SS# which I declined. They claimed that someone was in my work area ready to serve me if I didn't pay an undisclosed amount of money. They ask for my HR department which I declined. I told them if you were going to serve me at work, then you should have the information...if you're legit.

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