Stand up to fake debt collectors

The caller is irate, intimidating and — despite the foul language — sounds convincing. He says you must make good on a payday loan or your wages will be garnished. If you applied for a payday loan before, you might start questioning your memory: “Did I miss a payment? The caller has my information, so this must be legit…”

The last thing you need is a short paycheck — especially if you’re already in a bind. So you pay. Thing is, you don’t owe them a dime. It’s a scam.

The FTC’s and the Illinois Attorney General’s complaint against K.I.P., LLC, Charles Dickey and Chantelle Dickey is the latest effort to stop scammers from trying to collect fake debts from consumers. According to the complaint, callers threatened to garnish wages, and they offered to accept, or “settle the debt,” for significantly less than the amount allegedly owed.  In addition, the caller didn’t give the person any proof of the debt — even when asked. But the calls were so convincing that many consumers actually made payments — even though they didn’t owe.

Here are a few tips for standing up to these scammers:

  • Ask the caller for his name, company, street address, and telephone number. Tell the caller you won’t discuss any debt until you get a written "validation notice." If the caller refuses, don’t pay.
  • Put your request in writing. The Fair Debt Collection Practices Act (FDCPA) requires any debt collector to stop calling if you ask in writing. Of course, if the debt is real, sending such a letter does not get rid of the debt, but it should stop the contact.
  • Don’t give or confirm any personal, financial, or other sensitive information.
  • Contact your creditor.  If a debt is legitimate – but you think the collector isn’t — contact the company to which you owe the money.  
  • Report the call. File a complaint with the FTC and your state Attorney General's office with information about suspicious callers.

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


Blog Topics: 
Money & Credit


this is great information. I'm an ADA retiree since 2009,and debt collectors have been harassing me for more than 10 years...just ignore them.....

I had a 15 yr mortgage, the company changed names several times, and i contacted them 6 yrs ago when my balance due was more than my last payment due. Was told it . 4,000 was a computer. Glitch . Well, Ditech took ovèr October month of my last pmt and will not send my mobile home title or proof of the debt yet I get calls from various numbers who I request written varification to no avail. Who can I contact?

You get a mortgage from a lender, but often you send the payments to a mortgage servicer (not the lender). If you have a mortgage servicer, you contact them with questions about your mortgage loan account.

Under federal law, your mortgage servicer must respond promptly to your written inquiries, which are called “qualified written requests.” The FTC article about making payments to your mortgage servicer has much more information.

You can report a complaint about your mortgage to the Consumer Financial Protection Bureau (CFPB). Go to the CFPB complaints page. The CFPB will send your complaint to the mortgage company, and the company will respond to the CFPB and you.

A debt collector been harrassing me for almost seven years and when I tell my family no one believes me. I cannot believe that people has gone bunkers over money. Are they still calling you?

Almost everything is a scam, and they send phony 'legal' letters, with phony case numbers, demanding you call them at a toll free number within a certain number of days, or else. They have an address and suite number in Yorba Linda, Calif., and have even claimed to be police, and sheriffs. They also claim to be attorneys, and legal advisors/assistants. They end their letters with "Govern Yourself Accordingly," just like the phony IRS. A man with an Indian accent was impersonating the phony IRS. Also, a caucasian sounding but.

How do you keep them from contacting relatives. It is bad enough they call and threaten me, but they now are calling anyone associated with me. My siblings, parents, nieces and nephews. Not sure how they are getting their numbers, but it is harassment.

If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney. For more information,  see  Debt Collection..

we have had the same thing happening lately. They have gone so far as to contact my EX HUSBAND'S family from 28 years ago!!! We have no idea who they are or what they want. A gentleman I did speak with when answering the phone informed me he was a "processor" and I needed to call another 800 number. I did just that, and with the file number he supplied me, wasn't even us! Haven't heard from them lately but now are receiving calls stating we our loan that we applied for online has been approved. Funny thing... we never applied for one!! What crooks out there!!!

Tell the relatives to request they do not call anymore. Only when they request the calls to end iOS it considered harassment when the Harrasser calls.

They contacted my brother who is in the military. When I files my complaint they asked for an ideal resolution. I said no more phone calls to me or my family.

I actually got an email from someone saying I owed money for something that didn't make sense. This was an email instead of a phone call. Anyone else experiencing emails as well?

I recently called NCAM when I got three threatening emails (gmail). I was told that it was a scammer, collections are not made via an open email! I am saving them,seems I get another every other week. They have my last 4 digits of my ss # which worries me, never encured the debt they claim I owe!

I've experienced e-mails requesting money for a payday loan way back and I never even had a checking account or an income at the time still don't. Hes wrote three times and never even told me who I took the loan out from and said an arrest warrant will be issued. garnishwages. Never mailed me no information about the loan just keeps e-mailing

Fyi, who claims an arrest warrant will be issued is not a creditor. Arrest warrents cannot be issued for an unreaolved debt.

Great advice, thank you. I have asked Portfolio Recovery to stop calling my work so they now call my cell phone that I use for work, I told them to stop calling me during my work hours on my cell phone from 6:30am to 5:30 pm and they still call stating that they are with in the law because they are not calling my work. I replied well you are because my cell is used during work hours for customers to call regarding their cars while I am away from my desk. All my calls are transferred to my cell.. so the next time all I have to do is ask their name and address and write...

Portfolio Recovery LLC, 120 Corporate Blvd, Norfolk VA 23502 phone: 1-800-772-1413 or 1-757-519-9300. This is from Pra Group website:

Portfolio Recovery Associates appears to be a scam, not a real debt collector. They called me many times even though I had no debt. They don't stop calling until you file complaints against them. It makes no sense for a real debt collector to repeatedly call wrong numbers, after they have been told that they are calling a wrong number. Only a scammer would be doing that. A real debt collector would know that that kind of behavior opens them up to costly lawsuits and criminal charges.

I would like to have debt collectors laws for local. city, county, state of Nevada and federal laws and statues...Please forward me those links to these laws as soon as possible. Thank you!

Report any problems you have with a debt collector to your state 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.  These FTC articles tell more about your rights when it comes to debt collectors.

I unlisted my number and they stopped.

Is LLC in Illinois the same company as CC LLC in Florida? Florida phone No. 813-438-4239. They called and asked personal info about my husband, which I did not give. Soc Sec # and birth date. They keep calling from time to time but I don't bother to answer.

Good article I have been called recently telling me they are going to arrest me, they are having a judge collect etc. etc. They then called work ! I am afraid to answer only because even though I know they are performing illegal activity just don't have the energy

I have been having the very same call saying they will be filing charges against me for an online loan they say I received. I have never even filed for an online loan of any kind. If you get some good advice for this, please post.

Learn more about protecting yourself in this FTC article about fake debt collectors

When they call me, they even have the last 4 of my bank account and my ssn? I am so stressed out. did you ever hear anything back on this?

I am a peaceful innocent man with great respect for the international committee and their laws. God bless you all. Mohamme

I have had collectors give me different amounts harass family members and me. I have had them threaten too. I do not trust any and refused. They still never did send me my amounts despite they had my address. They are liars.

I owe so much money, it's hard to keep up lol... But I wonder if anyone has pulled these people into a lawsuit and have won? That must be friggin' annoying to have these people harass you, but not get any reparations for it.

dear imsotired - as one who works in the legal field - the answer your question is yes - people have taken these morons to court and won - sometimes pretty decent settlements - but you have to be willing to put in the time and effort that this requires - and you have to make sure that you document, document, document -phone calls (dates, times, numbers they called from, times of day , number of times they called, number of times and dates you told them to quit calling - you get my drift. I once had collectors calling my home about a debt my ex daughter-in-law owed... they called twice - I gave them the dates and times that they had called me before - (with each call telling them to never call again - at the second call - I told them three strikes and they were out - and that I would sue - and that I would win. They never called me again, darn it! LOL!

How would you sue an overseas fake and threatening debt collector here in the U.S? Make them stop calling for a loan I never had, calling my family, home and work, we never answer the phone because the phone number is not recognized, but they leave threatening messages

If you’re getting repeated calls from the same number, your phone company may be able to block that number, but first ask whether there’s a fee for this service. 

If you’re getting unwanted calls from a lot of different numbers, look into a call blocking solution. There are online call blocking services, call blocking boxes, and smartphone apps that block unwanted calls. Do an online search to look for reviews from experts and other users, and find out whether the service costs money.

I cancelled my T-Mobile within the 14 day cancellation period and they still insisted I owed them money. I said "send me a corrected bill for the 5 days service" a month it was like 59.99 they claimed I owe for cancellation 269.00+ and I told them they were not correct. They put it on my credit report but they can't touch my money because I am on disability and they can't take that. HOWEVER I am thinking of suing them for continuing to put it on my credit report. I sent them a copy of the TOS for that year, to prove I had 14 days to cancel, and I haven't heard back at all from them. If I do, I will sue THEM for harassing me for something they are NOT entitled to

This article explains how to dispute errors on your credit reports. Under the FCRA, both the credit reporting company and the information provider (the company that provided information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.

Do they have the right to collect money upfront before giving you a loan?

Read about warning signs of Advance-Fee Loans. For example, if a lender wants payment before giving you a loan, that's a sign to walk away, especially if they say it's for “insurance,” “processing,” or just “paperwork.”

Also, it's illegal for a company doing business by phone in the U.S. to promise you a loan and ask you to pay for it before they deliver.

Why would they have the right to collect money upfront if they have not given you any money to begin with?

We consumers find our protections in the FDCPA 15 USC 1692 along with our private right to sue them for violations, a quick internet search can lead you to your protections, it is only 14 pages covering things you didn't know were violations and injuries.

This FTC article has information about your rights when you're dealing with debt collectors.

About a week ago someone going by the name of "Sterling" called me about some kind of pain cream. He said he was calling from a company named "Elite Enterprises." He asked for an insurance ID number. Has anyone else received this type of call? Is this another scam?

The owner of this company has almost 500 sex, drugs, dating, and gambling sites. Lately, there have been multiple complaints about his companies using a service to send collection letters to people who have never ordered, received, or even heard about whatever it is they are claiming they are owed for. The "very helpful" FTC replied to my complaint with a link to a generic article about protecting my identity. I KNOW ALL THAT STUFF! What we need is someone to tell these idiots that they need to stop sending completely baseless bills, with the threat of destroying our credit, in the hope that some percentage of them will send them the money just to avoid the potential problems. NOT VERY HELPFUL FTC! How about some help here.

5/28/15- supposed debt collector calling from 623-748-7095 got me for my ssan-i told em you'll be a mess if you use

Do your research online. Google the company for their address. Try not to answer the phone so the statute of limitations are not renewed. Money owed has expiration dates of collection. Put everything in writing. Form letters are available to use for these collection agencies. If it gets bad, see a credit counselor. Some charge very little.

Ignoring it doesn't make it go away, and it can effect your credit rating. Understand that people from legit collections agencies are just doing their job as well and they contact hundreds of people everyday and have to deal with being yelled at, cussed at, and treated poorly.

The best thing to do is try to work out something with them, the earlier you do so the more willing they are to assist. That being said, if someone is not following the FDCPA you should report it.

Spoken like a true bottom feeder...

I apologize you feel that way, however there is a need for collections agent in order to recoup money when it is not paid. In the interest of full disclosure I was once upon a time a collections agent. I do not do that work anymore as I did get tired of being yelled at on a daily basis.

I still stand by my statement that ignoring a legitmite debt that the original post I replied to suggested is the worst idea. All my points are based in fact and personal experience as a collections agent. You may not like the idea of the collections agent, however they do exist to fill a need.

In Florida the statute of limitations starts with your last payment date and not last phone call.
Creditors have 4 years to collect your debt with no signed written contract and 5 years with a signed written contract. Also in Florida, if the state of the creditor or debt collector has less time for statute of limitation the lesser limit is upheld in Florida court, but not the greater time limit.

You are half right. Even though the statute of limitations runs out, if you acknowledge to a collection agent that you do owe money to the particular creditor they are talking about, or you pay part of the bill, the timer can restart. Plus, debt collectors can still call you after the statute of limitations runs out, they just can't sue you.

The FTC article about time-barred debts has more information.

Remember that the statute of limitations varies from state to state and for different kinds of debts.

To find out what the statute of limitations on different kinds of debts is in your state, check with a legal aid lawyer, another attorney, or your State Attorney General's Office.

I actually paid $95.00 because I was so scared and intimadated. I paid a settlement to Providian National Bank in 1999. Can the timer for them to sue me start again even if I have a money order proving I paid the same debt they screwed me out of almost $100? Thank you.

If you have fully paid off a debt, you don't have the debt any more. A legitimate collector should not contact you about a debt that is fully paid off.

If you have questions about old debts that weren't paid off, read this FTC article about Time-Barred Debts.

I just had a phone call from number 1800-688-1916 pretending to be BG&E. They told me they were going to shut off my electric in a half an hour. I was to go get a prepaid card to pay the bill. It was a scam!! Alert everyone so that they do succeed!!

I received a call from (310) 929-5644. I did not answer the call and listened to my voice-mail. It was an automated system. The message stated: "This is Internal Revenue Service trying to reach you for your back tax that you owe to IRS...this matter has been taken to federal court and lawsuit has been filed, so call us back at (310) 929-5644, I repeat, ....". I contacted the FTC immediately.

With the scam IRS call, you should also report it to the Treasury Inspector General for Tax Administration or TIGTA. They are the agency investigating this scam.

I am receiving phone calls on my cell phone from the same people ALL DAY/NIGHT different area codes and numbers but the same song and dance EVERY TIME!! I use my cell for work, and I am a Leasing Agent so of course I never know if it is someone interested in a property. They threaten me, say I owe money to places I have never heard of, tell me that I am receiving a Grant I applied for or that I have won a settlement for a drug I have never taken. THEY ARE DRIVING ME CRAZY! I cannot turn my phone off at night, as I have two daughters that are 8 1/2 and 7 months pregnant, if there were an get the picture. I have registered with the FTC, but the battle continues. I live in WA state...someone please HELP!! I need some advice. Thank You.

If you start getting repeated calls from the same number you can contact your phone provider and ask if it charges for a service that blocks a particular number. When you get illegal sales calls or robocalls, it's best to ignore them. Don't interact. Don’t press buttons to be "taken off the call list" or to "talk to a live person." Don't call back. Responding to the calls in any way will lead to more calls.

Today I was at work and got a call from an 844 area trying to collect a debt. They said if I don't pay, they will send warrants for my arrest to the clerks office. They said I need to pay this payday loan debt in full or they will send the papers. I was shocked and scared because I don't remember taking out a loan in 2011, I also told them I filed ch 7 in 2013 and they told me I should have read the fine print because this loan could not be involved in any future bankruptcy. So that scared me and they said you need to pay or will send a warrant for your arrest. So scared and shocked I said I can't afford the full amount, they said we will knock of 20% if we sent a auto pay for full in 45 days. So shocked and scared I gave my credit number and set a payment date. Did I get scammed?! They were claiming to be nationwide recovery association and they were calling me on behalf of their client Titan LLC...PLEASE HELP!! Is this a scam?

Yes, it is.

its a scam i had that happen to me before and i paid like a dummy now the calls dont stop but i filed chapter 7 and it does cover it i was told by my lawyer its a scam they are trolling through old bankruptcys files to scare people out of money def call your attorney but it sounds like a scam to me and yes it can be in a bankruptcy! i hate people like that jerks

Oh yeah, you were definitely scammed. Also, they can't tell you that they're exempt from any future bankruptcy proceedings...if that was the case, wouldn't ALL creditors state that in their "fine print"????

omg, yes you did!!! Call your credit card company and tell them to not pay that! First of all, they CANNOT arrest you for a bad loan. There are no debter's prisons in this country. Secondly, PayDay loans are illegal in a lot of states and 3rdly, there's no way you couldn't put it on a bancruptcy.I believe only income taxes are exempt from bankruptcy.

Read about what to know if you're filing for bankruptcy.

I worked for a debt collection agency in Jacksonville fl like this.They did what's known as phantom debt collections.They claim to be investigators/paralegals working with the FDIC, a lawfirm...usually by generic names or even as far as working with the feds.Ive even heard state attorney office mengioned.from there they call u.Your job your family members.your neighbors trying to track you down to get a "statement from you or your attorney regarding the 2 pending felony warrants" from there they tell u that you have something having to do with soliciting a worthless item of commerce.the other is malicious intent to defraud a federal mandated banking institution.... From there they speak with usually the state to see if they're willing to do out of state restitution.... The worst part is they're calling for these payday loans or rental furniture (like Aarons for example)and say your debt is only $405.89 well they're gonna say you owe $1738.42.Unbelievable.... And if u don't pay it by the end of day we are gonna turn it over to the state and warrants will be active....we will pick u up at your residence or children services...if we find out your on probation we will even call your probation officer.This man is an evil crook and needs stopped.the worst part is on top of having his employees doing this illegal stuff for him he screws them on their pay and shorts them.He was giving $300 a week salary(less then minimum wage-under the table)then he did away with it and made it all commission. If my boss felt it gets too hot he will change the numbers(most are based out of Texas.Mine was Houston for instance) If you ask for an address they give u some phoney po. Box and say its a private law firm that doesn't solicit their office because of the types of criminal cases they deal with cause their safety.If you say not to call them under the fair debt collection act they'll tell you that doesn't apply to them.

This, what you described, former debt collector, is exactly what I have had the unfortunate experience of dealing with 3 days ago. Scared me half to death. They said they were calling from a lawfirm. They were paralegals and put me in touch with some attorney who states that I have 2 pending charges for theft and something else from aarons. They give me the date and charge for it. Then he wanted a statement from me or my lawyer. States he thought i was aware of this. I ask him what I can do to resolve this and he states "hold on I will call the prosecuting attorney and see if they will do anything". He comes back and says they will accept $1042 and it needs to be paid by end of business day. Transfers me to ers processing who now wants to give me steps to pay it via moneygram. Then I say I can't pay by the end of the day and I'll see if I can cut it in half and will arrange 2 payments in a week. They are suddenly ok with it. This totally scares me. I called arrons and they did charge my account to some collection agency and I called them left a message but no reply yet. Moneygram says the receive code matches ers processing. I have no idea if this is real and it has me scared half to death!

If you ask a legitimate debt collector for proof of the debt, he has to give you written proof of the debt. That's a verification of the debt. The law requires a debt collector to do that. 

It's against the law for a company to not give you proof of the debt, or to tell other people, including your family members, friends, and employers, about the debts. Debt collectors also can't lie, and can't say they are lawyers if they really aren't.

This FTC article about Debt Collection has information about your rights.

This is SCAM. I was called and told the same thing. I told him him to send a warrent for my arrest.
Then I called him back and told him I would meet him at the sheriffs office. Needless to say, they never showed up.

Just did that today to Goldberg Stein Assoc field office. Told her what the sheriffs office was just outside the court house....she didn't like it though when after telling her she has the wrong person to never call I called back 3x. Told her to call the police....

Today I was at work and got a call from an 844 area trying to collect a debt. They said if I don't pay, they will send warrants for my arrest to the clerks office. They said I need to pay this payday loan debt in full or they will send the papers. I was shocked and scared because I don't remember taking out a loan in 2011

The person who called might be a fake debt collector. This FTC article explains what fake debt collectors do, and has tips on how to deal with them.

The caller could be a fake debt collector. He did a lot of things that fake debt collectors do.  First, he told you to pay for a debt you don't recognize. Second, he pressured you and tried to scare you by threatening to have you arrested or to report you to a law enforcement agency. Third, he asked for your bank account number. 

Call your state Attorney General to find out your rights. Tell them the name of the company that called, and what the caller said to you.  If you are worried that the caller might take money from your bank account, contact your bank right away.

I received a call from an unknown number and did not answer. Person said his name was richard price and he was going to serve me at home or work. Called 855-870-4671 that he left. The people did not state the company name and would not give me any information on the company. She did not give me her name either. When I kept asking for the name of the company I was told "I'm not the one going to court so I don't have to give you our name" so I hung up

I've received calls from Richard Price from a restricted, as well. Didn't answer either call. In his message he states that he has received my name and SSN and has been asked to serve me papers. Says if I have any questions in regards to the matter to call the Plaintiff at 844-881-6067 and gives a case number to refer to. Says if he doesn't hear from the Plaintiff that I have contacted them that he will proceed with the process and be at either my home or work the following day between 12p-5p to serve me and to make sure I'm available for his visit. 1st off, process servers to call and give you a heads up that they're coming. They just show up and serve you. Secondly, I haven't been involved in any matter that would result in any type of court proceedings. With this, after the 1st call I knew it was a scam. Not to mention about a month ago I received a couple of calls, also restricted numbers, voice on the message sounded very similar to Mr. Prices saying he received my information and had been instructed to contact my employer to initiate wage garnishments unless I called someone. Now those I immediately knew were scams so I didn't even bother to finish listening to the messages. But with the little information given in the last couple of messages I did a little digging. I called 844-881-6xxx and the person who answered, voice sounding VERY similar to the one on the voice mail, simply answered, "Claims Department". No company name or anything. So I hung up. I then did a search of the phone number and found that it is listed to an address in a residential neighborhood. TOTAL SCAM!!!

These are useful details for a complaint.

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

I received this same call form the same guy with a different phone number 855-201-8323 called and they answered with claims dept and no company, I hung up as well....good information.....thanks

I have been getting the same calls from the area code 844. I have blocked their number several times but have noticed that they are starting to use other numbers which still have the 844 area code. Today I received a call from 844-202-1613. So over it! I know this is a scam because they were very unprofessional when I spoke to them a month or so ago. They are calling my mom's cell phone as well. I'm on a mission to get this stopped once and for all. Any advice anyone may have on here will be helpful!

I have reported this number several times. It is really annoying.

I recieved a voicemail today from a "proceed server in Cook County (I'm from Chicago, but live in Florida) The said his courier had tried to serve me yesterday but had failed. He then went on to say that they would be serving me tomorrow between 12-3pm at my home or work. He then stated if I wanted more information or if I wanted to arrange for meetup elsewhere it was in my legal rights to do so. He then gave me an 844 area code number to a bogus law firm that doesn't exist to call to make said arrangements. Well after googling 844 numbers it's quite apparent this is a scam.

I received a call from 5109643827, stating they were a process server & I was being sued. She asked me had I received a letter in the mail about the debt. I told her no. She gave me a phone number to call about the debt 844-309-3853 and the same woman answered the phone...but I didn't make a comment about it...she stated that I had a unpaid bill with Master Card...I told her I never had a master card...she already knew the last 4 digit of my SS#....she told I needed proof that I didn't owe the debt & she gave me a fax #347-514-991l to sent the proof...I realize later that she never stated the name of the company or her name...I called back to get the information and she was hesitant but she gave Kaylan Walker as her name and the company was New York Group...I tried to find the name of the company on the web & no such company...but I researched the 844 number and this is the prefix for phone scamming...I call them back and balled them out...

Recvd call from RMS.. number shows Columbus Ohio.but cant find in directory..stating i owe $1500 to a DJR payday loan company..i do not remember ever taking this out in 2011. Says to pay at least 500 to stop process or i will go to civil court. I do believe its a scam but have no proof. They have called family members even after told to stop

Receiving calls from 866-608-7665 every morning same time, left msg on my machine could barely understand the woman said was with VanRu agency and to call about a debt. Did not call back, we have no debt to anyone at this time.

My family and 2 co-workers received a call from a "locator company" for Bayview stating that I was being served legal papers for a fraudulent check. Interestingly, they didn't call me. I called Bayview and spoke with a Nathan Howard (855) 850-0348 ext. 435. He told me that they were going to proceed with legal action against me for an unpaid payday loan from Castle Payday. I do not recall obtaining a payday loan from Castle Payday. I then asked for a validation of debt letter. He told me that he can not send me anything in writing until after I pay them. He then told me that I can verify the debt with Castle. Rewind back... My wallet was stolen in September 2014. I called Castle Payday, and there was a loan in my name, but the person says that it sold the debt and to call another company. At this point, I'm thinking my stolen wallet is coming back to haunt me. I called Nathan Howard back at Bayview the next day and told him that I could not verify the debt and that he needed to send me a validation of debt letter. He got indignant, called me a liar and told me that he was going to contact the partners at my law firm and tell them that I'm committing fraud. I told him to go right a head and do that... He then hung up on me. LOL... I called Bayview back to get their address, and was immediately put on hold. I woman got on the line and asked me why I needed their address. I told her because I want to send a cease and desist demand for them to stop calling me, my family and co-workers. She refused to give me the address, fax number or email address. I told her that I was going to file a complaint with my state attorney general's office and she told me to go right a head and do it. After that call, one of my co-workers was called again to locate me. So, I filed a complaint with the AG, the FTC and the CFPB. Scammers.... They are the scum of the earth!

I got a call from Nathan Howard today and it was the same thing! He said I took a payday loan from a company I never heard of and didn't pay it back. I did have payday loans and did pay them all back. This guy had all my info and threatened me in several calls that he would call all these people at my law firm. They must like people that work for law firms since you do too. Process servers and collection agencies don't handle people like this anyway. They don't call you before they serve you. This guy is such a scammer and I don't think he's giving up but I'm not answering his calls anymore.

I got a similar call except the woman called herself Denise Howard and they told me they,had already file felony charges and that they would push for 180 day imprisonment if I did to pay it in full. When I asked for the Info to be mailed to me I was told that they don't do,any corrispondance except recipt for payment and a form letting u know charges where dropped. Scam much!

About a month and a half ago my mom was contacted about this payday loan I had supposedly gotten, the next day they called my work and I wasn't able to talk at the time. They called me when I got off work and said that I had got a payday loan in June 2013 or something and when they went to collect it at a bank here locally the account was closed. I have never had an account at the bank. I didn't confirm any of my details regarding SSN or anything. I called the number back that night and it was something totally different. They called me back the next morning saying they saw that I called overnight. Which I thought was suspicious. Told me I could settle or they would take me to court. I asked for some documentation but they said all of that would be provided in court. I told them to take me to court. Well today they called my work again saying they are going to serve me paper for court with an intent to pursue. This message was given to my boas. Gave her a number for me to call and they don't have a girl by that name working there. They said they had already sent the civil suit to the county I live in. But I looked at the search online and there was no active case in my name. I believe all this is just to scare me into paying.

I had the exact same thing happen to me yesterday. They even called my mother and ex-husband. Said I owed on a payday loan and had all my information. I searched the phone number online and got a private resident in Spring Lake, NJ. They said the same things to me, too. I think it is a scam.

I've been getting the same calls for the last two years! And they are calling my relatives & work! How can u get this to stop?

This FTC article has information about your rights when it comes to debt collectors.

Report any problems you have with a debt collector to your state 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.

A company called Kingston LLC phone number is 240-307-1496 or 240-394-6117 has called me twice regarding a payday loan I suspossedly took out back in October 2008. They had the last four digits of my social and old bank account, and claimed to have attached my drivers license. First off I don't drive, second off I never took a payday loan back in October 2008. We were just moving into a new apartment with my grandmother whom we were caring for, so I did not have use for something like that. I have looked them up online and found nothing. Did reverse phone look up as well and Nada. They gave me reference number 127465. Both individuals a lady and a man have strong foreign accents, West Indian, Nigerian not sure. You can barely understand them, this ticked me off right then as a possible scam. When I asked for him to send me something in writing if this judgement was so legit he got Kind of funny especially when I said if you have all of this info then you should have my address.

I had a very similar experience today. I was called at home, and on my cell from this number: 205-558-5852. First I received an automated voicemail stating that I have 2 complaints filed against me. When I called the number back, the woman said that I defaulted on a payday loan in 2009,and that they would rather settle out of court if possible. When I said that I didn't default on any loans, she became very intimidating and told me that the call was being recorded, and that they would play it back when they take me to court. It was scary how much information they had about me! I hung-up on her before she could finish trying to extort money from me.

Same thing happened to me today. I received a call from the same number you referenced, 205-558-5852. I also received a call from 217-666-9833 with the same message.

I had the same experience recently from the same phone numbers you mentioned plus a dozen more that they used. He had a thick Indian accent and said his name was Charles Smith - right. So anyway, they refused to give me their address claiming that I "might be a crazy person with a shotgun and gun them down." The business name they used was Global on one occasion and the other IDOT or ISOT. They have been reported to the Consumer Protection Bureau, FTC, MD State Attorney, Brian Frosh and They are obvious scammers.

In huge bind in 2012. Lost jobs, etc. Got loan for $11,000 from lender and payback is $444 monthly for 5 years. Company has changed name twice. How do I check the authenticity of this loan?

If someone is calling you about the loan, and you aren't sure they are the company you borrowed from, you can ask them to give you written proof of the debt. If you think the caller is not from your lender, read this article about Fake Debt Collectors. It has tips to help you handle calls from fake collectors.

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


I just got a call from 732-359-4744-a Mr. Milton-representing RMS company, saying that I owe on a payday loan. (BUT, I never got a payday loan.) I could settle for $587 or else they would send a subpoena out for me. Then I would end up going to court and paying $3000. He kept making threats about sending out a subpoena. He had all of my information. He then called my ex-husband and my mother. He didn't have my address but my email. I told him I thought it was a scam. He reply, "how would I have your email? Emails are sacred." I laughed at that one. If this is in some way legit, they can subpoena me. After I argued with him a little and asked more questions, he hung up on me. So, make sure you ask questions and don't give out or confirm your information.

Ive been getting calls from 732-359-4744 and they have been very rude and irate saying they are going to subpoena me about a payday loan. They allegedly said I took out a loan in 2010 and I owe 1800 but can settle for 500. They have also called my mother and sister, I finally made a police report and plan on reporting this company ASAP.

I got a call from the same company today with the same. They are saying the same thing. They wouldn't give me any information and they told me that the police were coming to my job to serve me. I told them to come on. I asked for proof and they couldn't tell me anything. The address and email address as well as the bank info was over 15 years old. I don't trust this company and I hope that they are exposed as the scammers i believe that they are.

got a call from 732-359-4744, rm processing, stating a complaint against name. will not provide information unless i verify ssn, address, etc. advised that i will not, lady got mad and hang up. sigh.

WHY can't these people be stopped???????? I've filed complaints with the police department and the Consumer Financial Protection Bureau, but the calls persist. I just got another recorded call from 205-558-5852 (Capital Risk Services?) about a fake debt. I don't understand how, in the 21st century, we can't stop these people.

WHY can't these people be stopped???????? I've filed complaints with the police department and the Consumer Financial Protection Bureau, but the calls persist. I just got another recorded call from 205-558-5852 (Capital Risk Services?) about a fake debt. I don't understand how, in the 21st century, we can't stop these people.

I got one from these people also. But i was stupid and gave them my info cuz they scared me saying I was going to have a criminal charge against me if I did not pay. I actually talked to them. They had all this info. So after i paid it clicked cuz i was finally thinking after they harrassed me. Saying i had a payday loan thru chase bank and i closed my account in 08-09 that I closed the closed the account on purpose so i will be getting charges against me and served papers by a police offercer. I then called chase bank I was never overdrawn never turned into collection, and didnt close my account till after 2011. I called my card to report it was a fraud and in the process to get my money back but was told it will take 30 days. I sure hope i get it back. They will not get a penny from me. i called the police. They even sent me an email and none of it is true.

Please file a complaint about this with the FTC at You can also contact your state Attorney General to report the call.

Getting multiple phone calls first from a 615 area code and now from a DC area code. Same message. They threatened garnishment and court proceedings and subpoenas if I don't cough up money for something I never took out. A payday loan from 2009! Then they call back a month later claiming another loan has surfaced. Bull**** They need to stop calling. RG Financial is the company and have been reported to FTC and BBB and TN State Attorney General as a SCAM!

Everyone writing here is being scammed. These people have called me at work, along with my supervisor, managing partner, and another supervisor in our main office. They tried to tell me I have an old payday loan that I didn't pay. They had a lot of my info. including my ss no. I even called them back and left a bunch of nasty messages knowing they were trying to scam me and then they took those messages and forwarded them to my supervisor. She knows about this so it didn't matter but can you believe this! I can't believe no one can stop these people! I have notified the FCC and police but not sure anything will be done. Therefore, I have put major blocks on my cell phone and am going to change my work extension. I even let them know I know they are scammers and they keep trying to call to threaten and scare me that they want to serve me papers. I wish they would! Process servers don't call you before they serve you! Insane scammers messing with people that work at law firms!!!!! Beware people!

You can also report problems you have with a debt collector to your state Attorney General’s office. 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.

You can also report to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Justice services contacted an ex husband of 25 years stating she was s compliance officer an I had 24 hours to contact her or charges would be filed against me. I called her an she said allegations had been made against me for larceny, bank fraud and one other charge, I asked by who an she said the name of the company I had years ago gotten a payday loan from. She said I was on video handing them a check,and if I did not pay the debt by end of the day charges would be filed so by now I'm scared to death, but I asked her what court system she was from she said pretrial, I asked with what court, she said I'm not with a court so I said well you say your an officer so what law enforcement agency again she said she's not with law enforcement. I realised that she was just a debt collector an scoled her for leading me to believe she was with the courts, she hung up...then her supervisor called back an explained that they were contracted with the state DA to collect the this time I'm like you can't threaten me with jail she said she has the authority to send it to the DA an they would file charges if I refused to pay. That the DA had given them the case to try an collect first. I ended up giving them my card number, with security code, an agreed for it to be taken out in 2 payments. I then started thinking wow I Dont know who they are called back demanding the deby in writing she refused so I demanded the number for the state agency to verify that she has the right to collect...she very hesitantly gave me a number which was a cell number an not with the state..the guy who answered was stammering by my defensive questioning I hung up...did some research an found the scam on payday loan collection...I called state attorney generals office an she looked up names an said it was a scam...I had to cancel my card...I called the original company I had debt with an was told nooooo its a scam an gave me the number of the agency my debt was at....beware!!!

These are useful details for a complaint.  Please report your experience at Your complaints help the FTC and other law enforcement agencies detect patterns in fraud. ing

We cannot address complaints if they are submitted through the blog comments.

You can also file a report about problems  with a debt collector to your state Attorney General’s office and the Consumer Financial Protection Bureau.

I keep receiving automated calls from (844) 809-8786 regarding an unpaid debt for someone I don't know. The message always starts mid sentence and never provides a company name. Also, the messages are always threatening but since it doesn't involve me then I've never returned the call. Why doesn't the FCC have a bigger control over these scam artists?

I have been harassed for months from a company stating that I took a payday loan from EZLOANS, Payday loans, and a few other company names. It started as your late on the payday loan, to getting messages from a "MARSHALL" with a case number stating if I didn't contact them to make arrangement for payment, that I would be brought up on charges of bank fraud, check fraud and a few other "frauds". I have objected to this from day one. Gone back to the days around when they say I received the EFT. I can't find anything in my account. Now they're stating I will be arrested and serve at least 6 months and pay way more that the original fee, and my credit will be damaged forever. I did file with the FTC, but which state should I contact for the Attorney General's office. Mine or the state in which they say they are located. (California).
I'm very scared. I have a decent job and trying to get back on my feet from years of being behind the 8 ball (so to speak). I can't risk loosing this job, or being in jail.

You can contact the Attorney General in your home state and the state where the company is located.

The FTC’ s Debt Collection article has information about your rights when you deal with a legitmate debt collector.

A legitimate debt collector must send you a written “validation notice” telling you how much money you owe within five days after it first contacts you. The notice has to include the name of the creditor you owe, and what to do if you think you don't owe the money.

A legitimate debt collector can't say that you will be arrested if you don’t pay your debt. A debt collector can't issue a warrant for your arrest for owing money.

The FTC has information about fake debt collectors.

I got a call this afternoon from a restricted number, said he was "marshall tillman" with Advocasy services and gave me a number 8443276986 with a "case number" stating I had 48 hours to call back or I will be served to either my home, place of employment or family, friends homes. "has given me every opportunity to clear this up with the company." All I ever done was dispute this. I'm really scared, I don't have the 4000+ that they say I owe. which I DON"T.

This is a stupid,rude, aggressive woman pretending to be a lawyer or arbitrator-but she is really with Capital Risk ( a debt buyer/ collection agency) called me today with a robo call for a different number 205-558-5852... these folks LOVE to pretend to be govt or court or lawyers and give you a BS case ID number and a bunch of made up charges they are about to summons you on and since we don't owe this ( payday loan his ex wife took out years and years ago) I tell them to sue us and this particular gem (who was lying and saying she an arbitrator which I doubt she can even spell) when I said I told them to mail us anything they had and not call already, she said did I want to be sued and I said YES and she yelled well have a nice day with your broke ass and hung up.

getting calls about a payday loan from 2010 and if I don't pay it then they will serve me with a warrant from their legal department and taken to court. I asked for their name of the company and address and they said they couldn't give out that information. I also said send me some documentation and stated that when i paid it then they would send something. I was given three different amount to pay. The number that keep calling is 615-369-8027. I was called on Friday and state that was last day and legal action would be taken against me. The lady said that her job was on the line. They wanted everything to be paid by prepaid credit card. I tried to find out who had this number but I had no luck. I hope you can locate these people and see what company they are operating under so I can spread the word.

I keep getting these emails stating I got a payday loan & will have to go to court if I don't send $1290 immediately or make arrangement. They have all my personal info but don't provide any of theirs. No address, no phone number, etc. Not any a person's name. Its says this is my final warning but it is the FIRST form of contact I received. When I asked who, what, where they emailed back a company name that I cannot find when I search for it. Says I took out an online payday loan June 4, 2013 for $300 which now I owe $1290. I know this is a scam and I want the harassment to stop.

They called my work looking for a supervisor and when I told them I (the person they were calling about) was about as close as they were going to get they called my priest!!
I filed a complaint, I think I identified them, but this is insane.

For the name of John Miller the company he is with is County Monetary Defensive org I cant find them on the internet the amount they claim I owe is $1245. This one has my ss# address, my name, and bank name.. The other one is Jack Morrison has nothing on me claims I owe $498.12 no company and he says their a warrant for my arrest.. I am sick of this nonsense.. I am a hard working person doing all the right things for something like this disrupt my day to day. I have a job to do every day.. Now I cant they got me double thinkimg I did something wrong!!! Help

You can ask the debt collector to send you a written "validation notice" of your debt. They have to send a notice that includes the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

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

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 .

Does an emailed letter of verification work? I have an agency calling me almost daily and they're offering to email me a letter, and when I say I want it in writing in the mail, they claim to be a paperless office. Am I within my rights to ask for a mailed letter?

The Consumer Financial Protection Bureau (CFPB) is currently looking into this issue as a part of its Fair Debt Collection Pratices Act (FDCPA) rulemaking (see Q48 on page 52).  However, the CFPB hasn’t come out with a proposal yet, so we don’t know if they are considering treating email as “mail” for verification purposes.

In the meantime, the debt collector must send the consumer a “validation notice” within 5 days of first contact, detailing the amount of the debt, the name of the creditor, and certain information about the consumer’s rights.  Then, the consumer has 30 days to dispute the debt “in writing.”  If the consumer does that, the debt collector must stop collecting on the debt until the collector obtains verification and mails it to the consumer.

Learn more about your rights by reading the FTC article, Debt Collection.


john miller is asking me for the exact same amount 1245.00 thy also have my social and address did phone number did they stop contacting you? do you know if this is a scam ?

Country monetary defensive org - I have been getting Tons of calls from this country monetary defensive org they start at 6am and go on until about 5pm! Years ago I was online looking at payday loans and went in as far as seeing the amount I could borrow and how much I'd have to pay back and due date I'd have to repay it. I knew I wouldn't be able to do it so I clicked out without finishing it. Well they obviously got all my bank info somehow even though I myself didn't put it (account number touting etc) on there. So a few weeks later I overdrafts something and noticed they covered it and yet I knew I had no money for them to have collected the fee but saw that they did, so I went online and looked and it came from an account i had never yet even used! When I looked in it I saw deposits from Three different payday places!? And since I didn't know anything was in there I never looked in it and saw it was being used to cover my overdrafts instead of my usual account! By this time most the money had been used. When I started getting emails about it I wrote them all requesting paperwork and some kind of proof I had knowledge of said loans and I never got anything from any of them but for the incessant phone calls and emails some very ugly tactics are used by them all so I told them I'm not paying anything until I have paperwork or done kind of document showing I accepted this bs because although yes I did look at them but I never applied for and/or accepted any or e-signed agreements of any kind... Anyone have info to help me on this?

If you haven't already, tell your bank about the mis-use of your account.

You can check to see if the scammers have mis-used your personal and financial information for other transactions by reviewing your credit report.  Go to to get your credit report for free. is the only source for free credit reports, and it's authorized by federal law.

If you spot problems on your credit report, contact the credit reporting companies. You can also go to for tips on what to do if someone uses your personal information.

You can report the company to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

I was just contacted by a John Martin from the county monetary defensive today via email. I thought it was legit at first, but then I noticed all the grammatical errors, misspelled words and inconcistencies. For example, he clearly writes he's with the "County Montetary Defensive Organisation", but the address to his email is countrymonetarydefensive. Notice it says "country" not "county". Also the way he spelled "organisation" suggests to me that he is either from England or learned English from the UK.

I have been harassed by multiple companies recently. It feels like I am talking to the same people. They all say they are mediation groups not collection agencies and that they do not fall under the law of having to send a validation of debt. The only thing they will send me is some email stating I owe money on a payday loan. There are two dates they use over and over again on a bank account that has been closed for over four years. They only have the routing number and a partial account number. I did go to the bank and have the statements pulled for the times they stated I took a payday loan and there are no deposits other than my paycheck. I tell them this and they say they have the proof and are going to take me to court, charging me with fraud and that I could serve jail time and have my wages garnished. Usually they are very rude and make me feel stupid. I have started asking if I can record them and a couple have refused, which I am not going to do anymore. My state is a one party consent state. I have no idea what state they are in because the calls all come from random numbers and they will not give me an address to send a cease and desist letter to. Yesterday I had two phone calls, one with the same song and dance and another that asked me for my attorneys' fax number. I asked what it was about and they said I had a payday that was deposited on a pre-paid card, like one you would get from Wal-Mart. They also said they sent me a certified letter stating I owed a debt and I should have received it on June 5th. I asked who signed for it, because it was only myself and three small children home that day, and he then told me he only called to get my attorney's info to fax an Affidavit and he had to get back to work. I'm exhausted and stressed. Nothing is on my credit report showing I have collections. How do I get this to stop. Since they say they are not collection agencies and are mediation agencies they state they do not have to quit calling me or my place of employment.

Report the call. File a complaint with the FTC and your state Attorney General's office with information about suspicious callers.

Stop answering the phone. Ignore

Got a call from a Wilson Marshal 720-501-5739 on July 27/2015 Stating that they have in process my court documents and if they don't hear from me or my attorney they will assume that I waive my rights and will proceed with the court processes

Missed a call from this number 1-844-416-7136. "United Mediation" They left a ROBO message with a case number and told me it would be in my " Best Interest" to have me or my council give them a call back. they also stated in the message that I have a "returned bank item"... whatever that is! Anyway, I called the number back and spoke with Kevin. he informed me that I took out a Payday Loan back in 2011 that I never paid back, and that he works as a mediator for the collection company to collect the debt. he said I took out a $400 loan and now with fees its over $900. he said that I would need to take care of this debt so I don't go to court. Luckily I'm not stupid and I asked if this debt were real I would have gotten collection notices and it would reflect on my credit report, of which both have not happened. He started trying to talk over me and tell me he has over 20year in the business and how dare I tell him how this all works. He said if I was going to continue to ask question that he would end the call, so I said see you in court and hung up.

This is BS people, they scare you because they have your prior address and SS# and other information they happen to get ahold of to scare you. Don't fall for it! always research a company and do your homework before you do any sort of payment options.

No need to worry because they cant do any of the things they threaten they say they will do. you just need to giggle and say "see you in court".

Always remember that a "Debt Collector" will ALWAYS tell you that " this is an attempt to collect a debt" because that is the LAW! also you all need to monitor your credit often, this is another reason I knew this was BS. anyone collecting a debt will report it on your Credit Report because that's what collection agencies do! they want to show any lender that you are HIGH RISK to lend to , that's what a Credit Report is for.

Stay safe!

Had a call from 844-593-1970 threatening legal action against a payday loan that we didn't take out. Problem is, they knew the last 4 of my husband's social. That bothers me. Of course we didn't fall for this but I think I know where it began after reading all these stories. It seems everyone who gets the calls about payday loans has taken one out before...we called about one once but didn't go through with it after giving out our information because it was going to take too long. I think the payday loan places are selling our information. This should be looked in to.

Never ever give out your personal info over the phone. There is no law requiring for you to that. Tell them to keep their business with you limited to recorded mail and stop all phone calls immediately. Tell them you will be keeping a phone log of the date and time that they call when you tell them not to call. In Texas, every time they call is a 1000.00 fine plus you can counter sue them. Each phone call is a separate count, also be sure to let them know at the end of the call, that you recorded the call to be used in court against them if need be. Debt collectors don't have the power they want you to believe they have. By no means use this as a way to avoid your debts. This is not legal advice. If you need legal advice, please seek legal council and be advised. Plenty of free info out there to deal with 3rd part leeches. Good luck.

Beware of calls from Litigation Support Group 678-433-0653 out of Mabelton, GA. They are fake payday loan scammers that threatened me with felony charges for a supposed $500 payday loan from 2010. I have no payday loans. The scary thing is they have my social and information for an old bank account of mine. Don't fall for it. Block the caller and report them to the local police.

Please report your experience at so it becomes part of the FTC database that's used by investigators nationwide. Your complaints help the FTC and other law enforcement agencies bring scam artists to justice. We can't address complaints that you discuss in the blog comments.

I received a call from Iowa yesterday afternoon. Judith Crosby left me a voice-mail with pre-trial intervention stating I had a pending case in her office. She should said, I have up to 5:00pm to callback before my case would be submitted. I called back and Attorney Paul Davis from investigation picked up the phone. He started yelling at me, saying I did bank fraud, check fraud. It was a class 3 felony. He said I had either two options give a statement or pay 1100 of restitution. I asked him to send me verification of proof. He said he didn't have anything to prove then hung up on me. I called back asked him where he was located and he said Idaho then Iowa. I was threatened with having my case submitted to the attorney general office of NY and having arrest warrant issued and being picked up. Then I was told I can go and post bond to get out of jail and go in front of a Judge and try to prove myself. I'm very sad and disgusted. So I went researching through the Internet and did not come up with Goldstein & Associates. I could not find Attorney Paul Davis. I looked up the business number and it was a Verizon cellphone number. I'm very scared as a unhealthy woman this man put me through unnecessary stress yesterday. He had all my information. So I know for a fact my identity has been stolen. I wanted to put my story out there because this is completely wrong. You do not hurt people this way.

This PAUL Davis or John Anthony is a fake debt collector 512 212 1276 Report him to the Texas Attorney General

What if they say they are not debt collectors but are in arbitration? They say that they don't have to follow the debt collection rules. The company they claim to be with is MCO Financial. I do not owe a debt to them or anyone related to them. They're threatening a law suit. I've reported them to FTC already. They're website, which has many spelling and grammatical errors, says that they've "strangically" (I assume s/b strategically) formed a network of seasoned attorneys with track record of results in executing judgements. I know it's all a scam but is there anyone with information about actually getting such judgement?

If you know you do not owe a debt, you are in a different situation that someone who really has a debt. A fake debt collector might threaten you, but that doesn't mean you have to pay if you really don't owe a debt.

If you really had a debt and didn't pay it, the business you owed (the creditor) or a debt collector working for the creditor generally can sue you to collect the debt. If they sue you and if they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.


I have been receiving calls for the past month from several different companies regarding fake debts. They always leave the same case number and phone number to call back. However, they call from a different number every week. Every time they call, I add the number to my blocked list directly with my phone provider. Every time they call it is from 844 area code - a scamming area code. Every time they call they state a generic name and the company names changes. Sometimes it is First Recover. Sometimes it is National Recovery. I do not owe any outstanding monies. I am current on all of my bills. I have no collections. All verified by my credit report. These people are scammers. They want me to verify my personal information to them. They will never tell me what they have for me to confirm it. They call everyone I know or have known. I have even given them my attorney's number. My attorney also informed me this is a typical scam. They threaten illegal action, things a reliable debt collector would never do. My attorney keeps telling me to relax and ignore them It is hard to relax and ignore. I feel like I am living in fear and always looking over my shoulder. I feel like I am the criminal when really they are. I have reported them to the CFPB, BBB, AG, and call my attorney every time they call. Why is a scamming area code even allowed to exist? Why is the government not protecting us from these people. I even contacted my local sheriff's office and they said there is nothing they can do because any address or phone number they will give will be closed within a week and is likely untraceable. The only advice the sheriff's office gave me was to ignore them and block the numbers as they come in. I am sick about this. It is literally infiltrating my entire life. How, beyond reporting it, can you make it stop? These crooks are taking over my life. I hate it! I cannot change my number because I run a business with my phone. I cannot expect everyone I know to change their numbers. My attorney said he could send them a letter but they never call him like I have repeatedly asked them to do. He also said because it is an international we could sue $1500 each time they contacted me BUT it would likely do no good because they do not care about the law. Please, make this stop. We need laws and better systems to keep these crooks away from peaceful people.

I keep getting calls on my cell phone from different numbers, that when googled come back to Portfolio Recovery. I am 99.99% sure I do not owe anyone money. They never leave a message. Should I answer the phone when they call or am I opening myself up to more harassment and calls. I have done a credit report as of yesterday and all accounts are in excellent standing.

Bart, You might find the information in this recent FTC post helpful -- Don’t recognize that debt? Here’s what to do.

These scammers have an application called fake caller id that can be found on the internet and fake voice app that make it sound to you that they are from an attorney's office. These applications can be downloaded from the internet so these scammers are not being caught. What should be taken down are the developers of these applications.

I have been getting calls daily from different numbers about owing a payday loan from 2008. I can't get them to leave me alone. They call for me and my husband. I've notified the attorney general, but it is nonstop. They have somehow gotten info on our family members and are calling them to reach us now. This is definitely a scam, we don't owe any payday loans. They have info on who we bank with and my last 4 of my social. What do you do when they call your family and your workplace? I'm at a loss on how to stop them.

I received a call from a company scheduling a time to serve me a document so that a company called RCS Capital Services could serve with a civil claim in court for a collection on a past due credit card. I can't find anything on the company, it is not the name of the company the credit card that is past due gave me and they want to settle and take payments. I could not find anything on this Capital Services, I want to not have a civil claim but I don't want to pay a scammers either. Can you help?

If you have questions about your credit card debt, contact the company yourself. Use the number that is on your card on your billing statement. Ask them about your account. Ask if they are working with any other companies to collect debts.

If you got a call from a company you don't know, and isn't working with your credit card company, it could be a fake debt collector. Fake debt collectors may try to scare you into sending money. This FTC article about fake debt collectors has more information.

You say ask for validation in writing impossible when they won't give an address. I saw an attorney but he said it's a waste of money to go after them because they just change their number and move on

I got a call from these people saying that I am getting charge with fraud for a loan 5 years ago. What do I do?

If you know you owe a debt, call the company you owe. Ask them about your account. Ask them if they are working with the people who called you.

If a real debt collector contacts you, he must send you a written “validation notice” telling you how much money you owe. He must send that within five days after it first contacts you. The notice has to show who you owe, and say what you can do if you think you don't owe the money.

A real debt collector isn't allowed to say will be arrested if you don’t pay. A real debt collector can't issue a warrant for your arrest for owing money.

Maybe the person who called you is a fake debt collector. He might be trying to scare you and make you send money, but you really don't owe money. Read this FTC article about fake debt collectors.

I have some company that has a great deal of my information and calls me saying I took an online loan. They know my SS#, my address, my last four of my bank account. I never took a cash loan for the amount they say I did in the time period that they say I did. Due to a timeline dispute with who I was working for the first time they called months ago, they stopped calling. Now, they are calling again. They say, "Well, when you applied you worked in 5/1/12 and defaulted in 12/1/12 you were working for XYZ. Fact is, at that time frame I had no connection at all to XYZ. I know it sounds coincidental but one year later I went to work for XYZ 12/23/13. I know if I really had applied, why would I put XYZ as my employer or someone who worked there as a reference? (I didn't know anyone there). How can I get these people to stop calling me and threatening me. Oh, and the caller said, why haven't you answered any of our letters. Uh, I have never received any!Help, please

If someone is calling you about a loan, and you aren't sure they are the company you borrowed from, you can ask them to give you written proof of the debt.

If you think the caller is not from your lender, read this article about Fake Debt Collectors. It has tips to help you handle calls from fake collectors.

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

At one point last year I was getting calls from a (602)# saying I had taken out payday loans in 2009 and 2010 and had not paid them back. They claim that I purposely never had money in my bank account so they could take the money out when the payments were due, but to my knowledge, you made the payments yourself and the payments back to them weren't ACH.

Either way, I did not take out any loans during that time because I was busy cleaning up my credit and trying to buy a house. Also, these types of things, had I gotten those payday loans, should appear on my credit report, should they not? I filed complaints with the FTC last year when the calls started and now they are calling from (480) 750-7364 and being harassed by a woman named Kimberly Williams. I have not answered any of her calls, but she has been calling my relatives. She left me the number (866) 445-5617 to call back with a case number to reference. When I did call them, they had the last 4 of my social, however the address they claimed they mailed the paperwork out to in order to notify me of said debt is 8 years old and I had moved at least 4 or 5 times since I lived there. If they were a legit debt collector, wouldn't they have my current address? I also did a search on      .com to see who the numbers belong to, but they cannot provide an address or name because they are considered temporary numbers. That's a sign it's a scam also, isn't it? How can we get them to stop because filing complaints to the FTC does not good since they will shut down those numbers you lodge a complaint about and get new ones only to start again. This is causing some serious unnecessary stress on me and I think there should be a way to completely shut them down. Don't you? I know my rights and I know the law, but it doesn't stop them from harassing me. If the FTC cannot nail them down, then what are we to do?

If you know you didn't take the loan the caller is talking about, she could be a fake debt collector. This article has tips to help you handle calls from Fake Debt Collectors.

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

If you think someone might have used your personal information to take a loan in your name, you can request your free annual credit report and check for any loans you don't recognize. Go to If you know that someone misused your personal information go to to report identity theft and get a personal recovery plan to help fix problems.

Thank you for this information, it was very helpful and I appreciate you taking the time to offer help

My husband has been getting calls from a fake collector for the past 2 years. It started with if you do not pay in 24 hours they will file with the court. It would change names of the person calling every couple months. Now they are saying they have papers to deliver to home or work. They are also calling my husband's former employer. I have been nice, I have been mean, I stopped answering. Nothing will stop the calls!! How do I make them stop?!?!

IF all these people are calling their State Attorney General, then why are these calls and scams not ending? The new one is Shanese Williams from the Law Offices of the Atlanta Group (which I cannot find in any white page listing in any state). If I report, who fights for me?

Received a call from 928-325-0290 numerous times. Says her name was Ashley Flack or Fleck from Impact Mediation. called from many other numbers as well.

I've received a phone call today stating that I haven't paid my payday loan from a debt collector. They stated that I have a claim against me, gave me a different number from what showed up on my phone, claim number, and that I've been served. I've never applied for payday loan and didn't receive any money. They had all my information and family information. I didn't confirm the information they have was correct. I've checked my bank and no such money was deposited in my account in 2011. I've checked my credit report and no such company showed up on my report. The number that showed up on my phone when I called back stated that it wasn't in service anymore. Contacted the number from the voicebox and they didn't state the company's name. They wanted me to confirm information and stated that I'm not going to do that. He started to swear at me. I hanged up on him. I then filed a report to the Consumer Financial Protection Program and the Mass Attorney General.

I want them to stop calling me for something that I didn't apply for. Any other suggestions!

received a call about a month ago that I was going to be served by my local sheriff office for an unpaid payday loans of $1600. gave me a case# and I needed to contact lakeside mediation with #(704)247-5085 look up the name of the company it is base in texas. lookup the # it is a south Carolina number which is a scam. the # that called me was a local # (561)990-3424 the individual I spoke to is Michael Rodgers. but, with the 704 area code the y have other nember's listed under them as well, which I looked up all of them. now they are calling my sister's even found my daughter's # which they are calling. I know next they will be calling my job. I need an attorney to help me with these con artist. someone please help

The details you have would be useful to law enforcement. You can file a complaint with the FTC at The information you give will go into a database that law enforcement uses for investigations.

If you have a payday loan debt, you can contact the lender to ask about your account.

If you don't have the debt, this could be a fake debt collector. 

Fake debt collectors do things like:

  • want you to pay a debt you don't recognize
  • refuse to give you a mailing address or phone number
  • ask for personal and financial information
  • try to pressure you into paying by threatening to have you arrested or reported to law enforcement

You have rights when you deal with legitimate debt collectors. A legitimate debt collector can't call you at work if you tell him not to. A debt collector can call other people, but only to find out how to reach you. This FTC article about debt collection and your rights tells more.

I have recently had a barrage of telephone calls from an unknown number 844.661.8919. A message was left stating a claim had been filed against me and to call (the preceding number) with claim #4185951. I called the number back and entered the claim. The foriegn accented woman said they were from CAJ llc. (or C.A.J. llc). They were collecting an unpaid debt from a third-party with whom I made a payday loan in 2013. I have used 2 payday loan agencies exclusively and always had a receipt for final payment in each case. I asked who the third party was and the woman from CAJ said she was not a liberty to discuss that. I asked where their (CAJ) office was and she said she could not provide that. I asked the amount of the loan and she said $400.00. There are none of these Payday loan companies that loan over $250. on the first loan. I had never needed more than $250.00 so had never borrowed more. I knew then this was a hoax. The worst thing was this woman began spouting out my personal financial info, my bank, account numbers, social security number, and other info to me to prove they had my data. I told her in no uncertain terms that her organization was "You are representing foreign criminals trying to steal money to finance their terrorist activities". She said she would pass that on as my answer to them and bid me a good day.

The US government can insert itself in every aspect of our (its citizens) lives and finances. It monitors phone calls. How is it remotely possible the FTC cannot collect these people and jail or penalize them? Maybe the IRS should be given some incentive to collect money from these organizations posing as business collection agencies. They are real good at data gathering and getting money from whomever they want. The Department of Homeland Security should become involved in cleaning up these agents and providing us (American Citizens) with some real Homeland Security.

You have details that would be useful in a formal complaint to law enforcement.

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

Comments you enter here on the blog don't go into the database.

When a collecting company buys a debt, they pay 25 cents, or less, on the dollar. Yet they want to collect the full amount from you. What a legal scam.

Has anyone ever heard of location services calling you to make an appointment, so that someone can serve you papers for another place called rcs capital? Stating an 855 number amd a claim number something about a civil claim being filed against you. I called the 855 number and they called themselves rcs capital. I hung up after that because this just seems wrong.. I guess we shall see if someone shows up at my house between 3 and 5 pm today...

(United District Court Notice)

Attorney:- John Martin
Number:- (914) 352 1759

A whopping 13,000 is what they want from me, they sent some warrant with this as well, they are getting a little sloppy, no name or info of mine just "to the person being arrested" lol

(FTC Incorporation)

This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by the US Federal Government, so before the case is filed we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with the Bureau of Defaulters Agency. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed to your name.

Now, FTC is pressing charges against you regarding 3 serious allegation:

1. Violation of federal banking regulation act 1983 (C)
2. Collateral check fraud
3. Theft by deception (ACC ACT 21A)

If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, AND HOME LAND SECURITY, YOUREMPLOYER AND BANK ABOUT FRAUD. And once you are found guilty in the court house, then you have to bear the entire cost of this lawsuit which totals to $13,271.15, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have/can't afford one then the court will appoint one for you.


John Martin
(914) 352 1759

FTC | Privacy | Terms of use
________________________________________________________________________________________Confidentiality Statement & Notice: - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you receive this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Thank you for sharing your experience. Please file a complaint with the FTC.  Unfortunately, we cannot address complaints if they are submitted through the blog comments. Complaints help the FTC and other law enforcement agencies bring scam artists to justice. Watch this video to learn how to file a complaint with the FTC and why it matters.


I apologize if someone answered this it's hard to go through all the comments. I have a question. Is it illegal to harass the scammers back?

I received a call today from 309-839-4460 which left me a voice mail stating to be from State Filing and Legal Services and that I had an active civil case and 2 criminal complaints against me. I called back in which the lady told me she couldn't discuss my case with me but gave me a different number where they could, 215-453-7246. I called with the case number I was given which had 0s and included the last 4 numbers of my SSN and IL. The lady then spoke with said I had to pay $1,900 from a payday loan back in 2013 by 9 am tomorrow or legal action would be taken, papers sent to a judge for a warrant. When I told her I didn't have that kind of money, she kept pushing for me to ask a friend or family member for it. I had a call like this a few months back, and paid it Bc it freaked me out and I've never been in any type of trouble. Is this a scam?

If you know you owe money to a payday loan company, you can call the company and ask about your account. Find out how much you owe. Ask the lender if it hired a collection company to call people.

If you never took a payday loan, the calls are probably a scam. Someone is trying to threaten you so you'll send money. If you paid once, they want to see if you'll pay again.

A real debt collector has to send you a written notice with facts about the debt, within 5 days of the day it contacts you. This article tells more about your rights when it comes to debt collection.

If you really have legal complaints against you, a court should send you a notice with details. 

I had a woman call my job telling me she was going to summons me at work but did not want to at my job? So she was giVing me a chance to receive it elsewhere?? I asked her what is this about and she said she thought I knew and could not discuss since she was just delivering summons. She told me to call a number to get the info..I called the number and a male answered telling me that I owe$3600 on a debt that was $1375 , I can pay $1375 now or I can pay installments but he cant throw the numbers out, I have to? He also mentioned that I can get garnished in the state of California for 25%. He asked what I can pay, I told him ..I can't. Then he asked can I make installments, and a down payment? I told him possibly, he proceeded to say I need the down by the end of the month and you can pay biweekly..he asked for my banking information to secure this . I told him , I don't think so. I need to see this in writing first, so he emailed to me. Once I got the letter , I emailed him back and asked for a breakdown of fees if debt was $1375, how could it be $3600 now... he didn't want to respond via email so he called me back explaining about fees and late charges... anyway I checked my credit report and this debt is no longer on it...did I potentially open it back up. I think this was old debt that already came off my credit report.

If you know you don't owe the debt, the callers might be fake debt collectors. A caller may be a fake debt collector if he:

  • wants you to pay a debt you don't recognize
  • won't give you his mailing address or phone number
  • asks for personal or financial information, like a bank account number
  • tries to pressure you and scare you into paying by threatening to have you arrested or reported to law enforcement

if you have old debts, a collector may not be able to sue you to collect on the debt. Debt collectors have a limited number of years — known as the statute of limitations — to sue you to collect. After that time, your unpaid debts are considered "time-barred." According to the law, a debt collector cannot sue you for not paying a debt that's time-barred. This FTC article tells more about time barred debts.

Messaging from Iowa. We received a call from Legal Consultant Services, 866-689-3807,attempting to collect on a debt with Advanced America from a family member. The woman's name is Sheila Thomas. She told our family member they had 72 hours to send them $60 and set up a payment plan or they would contact the county prosecutor to serve a felony warrant. They instructed her to go to a local Walmart to send them the money. Thank goodness our family member gave them no personal or financial information. Unfortunately for these scammers, I've been down this road with their kind before. I called the number left on our answering machine. When the phone was answered I was asked if I had a court date today! When I spoke with Sheila Thomas,she refused to give me the street address of their business. When I asked for their business license number, she refused that also saying that it was none of my business and that I might be a terrorist! :)

You have a lot of detailed information. Please report this to law enforcement at The information you give will go into a database that law enforcement uses for investigations.

All of the information sounds exactly what I am experiencing, except the debt was said to be with Check N Go. I was contacted by a Darlene Culvin, from a Pre Legal Mediation Services (same number as you mentioned), and she told me the same thing; that there is a criminal action pending against me,

unless I go to Walmart and send $75, I am going to be served at my job, and since I work for a law firm, they are sure I do not want this. I feel they are using my employment as a way to avoid possible embarrassment.

I asked for something in writing to indicate what I owe and received an email from an gmail account with a word document attached. The company name on the document was "Legal Arbitration Services, LLC" 8343 Roswell Road, Suite 209, Atlanta, GA 30350 phone number (678) 606-9802.

This is obviously completely different information than provided previously, which encouraged me to look a little closer. I called Check N Go, only to find out the account had a zero balance. When confronted with questions, Darlene and the supposed "supervisor" began yelling at me, calling me names and became very threatening and harrassing. All this on my work phone which I am not supposed to receive personal calls on. I am glad I found this post as now I have some answers and direction - thank you!

Thank you for sharing your story to help other people.

Please also report it to law enforcement at You have a lot of important details about the caller & the company. The information you provide will go into a database that law enforcement uses for investigations.

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

I recieved a call SEP 20th 2016 from a women named samantha gomez saying a formal compliant has been filed and that this is an emergency asking for my boyfriend to please call back this was on my cell phone.( I will keep this voicemail if needed)

He called and was very upset and i asked what was wrong and to see the phone. If he doesnt pay $515 and some change in 2 hours they will go through and file and he will have a warrant for his arrest for a payday loan not piad they called it check fruad. He once did have a payday loan advance never for that amount but never got a call for it he did make some payments.I panicked and was willing to pay but I had some questions.

I asked what the company name was he puased and told me C&C Services stuttering.They won't give me a website they are private. For verification even though it's not my debt they wanted my date of birth or last four of social, name that appears on card, adress, last 3 on the back of card so I gave my debit card info after telling them I can only pay $500 I was put on hold that's fine the man told me. I forgot I couldn't find my wallet but later found it but never told my bank so the card was reported lost. It was getting late I could not make it to my bank in 2 hours

I asked if I could pay the next day I got transfered to David Stuart and he told me he will lock the file in his desk and gave me till 9 am the next day. All night I was researching I couldn't find them on google.The next day it was a big jumble mess I thought a lot and decieded to ask myself questions. The number listed in my voicemail is 916-744-2655 Samantha G. gave boyfriend a call back number 844-383-1787 David Stuart called on a 614-318-6438 Mark said the headquarters is in Ohio but today it's texas and its not C&C Services its GLP Processing but they called from the same 614 number

I asked for debt verification and a check number david got very upset and said that I dont know what I'm talking about hung up but my boyfriend did get a check number from Sarah Scott he called the place where he actually owed and it was different he has only done this once in his life C&C have the amount wrong,check number, and date too. My boyfriend said it was sold but not to C&C Services or GLP proceedings. C&C says it was sold to AA Enterprises looked that up...SCAM.

I asked constantly for the adress I said I will come in and pay they ignored my statment wall blocking me with threats he will go to jail calling me snooty hanging up more than 5 times on us David S. calling him a jerk. C&C can't keep their story striaght. I asked where it will be filed all they will say is san diego county not what court house. If the headquarters is out of Ohio or Texas why when they attempted to charge my card the bank representative told me it was out of New york called C&C Services no adress or phone number to contact them it was under auditor and bookeepers.

When i needed to verify payment with C&C they also sent me 2 emails from Jennifer Armsrong email: j.armstrong.               it is a document called DocuSign and you send an electronic signature before payment process after you finish you recieve another one saying all parties have completed please Docusign:             boyfriend looked up Jennifers email on google...SPAM. blackbookonline info says her IP          and email adress originated in mountain view California

I am in serious need of advice. I know I have a debt to a certain company and it is a few months past due. The company that is calling to collect the debt seems like a scam and I am afraid to pay them but I want to take care of the debt asap. How can I find out if this place is legit? It is call Integrated recovery service and everything I have looked at online says they are a scam. I don't know what to do because they keep telling me I will go to court for this.

You can call the company you owe, and ask if the company is working with the people who have been calling you.

You may be able to set up a debt payment plan with the company you owe. This FTC article tells you about your rights when you deal with a debt collector.

You can call the company you owe, and ask if the company is working with the people who have been calling you.

You may be able to set up a debt payment plan with the company you owe. This FTC article tells you about your rights when you deal with a debt collector.

A new debt collector is calling me and also my family members. When I called them and asked them what it is in reference to she said a payday loan debt from 2012. I then asked her to send me proof of debt by mail and I would review it and if needed have my attorney look at it. She refused saying it isn't her responsibility to send mail. That all other correspondenc was not picked up. They were sending them to a physical address and we get mail at a PO Box. So I never received anything. She would not give me an address of where they were located, or the name of their agency. She just kept saying that it wasn't her job to send mail and that she could have me served and have the county where I live pick me up any day. I told her that it is against the law to threaten someone with legal action such as being arrested when they haven't even filed a case with the DA office or through the District Clerk office. She hung up on me.
I called back and asked for the lady's name I just spoke to. I was transferred to her and all she would say is Mrs. Fomek. Then she stated telling me how I think I am above the law and that if I have an attorney to have them call because that is what they are for. I proceeded to tell her I have to know where to tell the attorney to call other than just a phone number. I need the name of the agency and paperwork to show him what he is defending. She said that it isn't her job to send out mail and that is just a stall tactic.
Anyways, how do you deal with a company when all you have is a phone number that when you look it up nothing comes up. Can they do anything to you without going through the courts first? Don't you have to be notified of exactly what it is to be sure it is valid?

Yes, you have rights when you deal with debt collectors.

Within five days of the first contact, a legitimate collector must send you a written “validation notice” telling you how much money you owe. The notice must include the name of the creditor you owe money to, how to proceed if you don’t think you owe the money.

The person who called you might be a fake debt collector. A fake debt collector might have some information about you, but that doesn't prove they are legitimate. A caller may be a fake debt collector if she:

  • seeks payment on a debt you don't recognize
  • refuses to give you a mailing address or phone number;
  • asks for personal or financial information
  • tries to scare you into paying, by threatening to have you arrested or reported to law enforcement

i have been harrassed the last few months from two gentlemen by the names of Parker Davis and Rob snyder and a woman by the name of Joanie Right..all claimed to work for some pretrial investigation services threatening to proceed with charges on me that include bank fraud, worthless check and non payment of a payday loan...i did some serious investigation of my own and found they r a scam. The number they gave the first time was from Washington State, the second number from Texas and today from pensecola florida...wanting me to pay $2630. by 1p or they were goin ahead and issuing a felony warrant...its a scam the pay day loan place is no longer in service and i hv read my rights and laws. im a very angry mother

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

I received a call about 2 weeks ago from an unknown person, unknown number demanding that I be at a previous address with in 2 hours. I said what for??? You just need to be home was the response. I again asked what for? I was told that I was being sued. She gave me a case number and then stated that I needed to call a number. Yesterday 10/31/16 I receive a voice mail from a Nicole Brown with ACS stating that she was returning my call and stated the same case number and referenced a creditor name that I actually do have. She stated that I already received the information on 10/9 (a Sunday)and it was forwarded to the creditor. The phone number from this call was 8444703968. I have no idea if this is legit or fake? The first call made me feel very threatened demanding that I be at a certain place at a certain time so I called the state police who then forwarded me to the District Attorney. I have never called this number or company and I will not because I am very suspicious of the whole situation.

If I have blocked a scam debt collectors number and they call me from a completely different number, is that harassment?

My family and I all got calls today from a Brian Curtis with BBC consultants claiming I have committed fraud and will send it to the court tomorrow. I have done no such thing. How can I stop him from harassing us?

Got a call with a 402 phone number, like calls in the past asking for my Wife on a "Personal Matter" I refuse to verify unless they can provide me info, they ask for "Social Security number" I refuse. I ask them who she is and where they are located. The info she gives me I do a Google Search on and with the name and address she gives me the only thing that comes up is a location for a company the specializes in handling Medical Forms for Insurance and Supplies. Completely bogus info. Scam Scam Scam.

I received a call saying its about a legal matter. She wouldn't give me the company name and was harrassing and rude. I wouldn't verify my ssn so she refuse to speak to me. So i told her then to sue me. Which i doubt they will do. I have been getting like 6 calls like this for the last 3 months. I have never done a payday loan so i know its fake. Wish they would go to jail for this.

They called me today saying that I owe money to a loan that I have ever gotten.The lady started getting all street hood on me so I did the same back to her.She hung up so I called back and some answered and called me by "Mrs. (*****)" and said the lady you spoke with is being terminated so she said they would be at my house to serve me.Well I invite it.I told them that I'm reporting their phone number to the FBI which I always report their number to the FBI she hung up so I called back and the number was already disconnected so fast.They're all weird.They deserve jail time.And also they won't give an address if asked.Well if they have alllll my information I deserve an address and more information about them.

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