Their “debt” collection days are over

Calling people and pushing them to pay debts they don’t really owe?

Posing as law enforcement and fake government agencies like the “Federal Crime Unit of the Department of Justice”?

Threatening to sue or arrest people — or tell their family and employers about a debt?

Reciting people’s Social Security and bank account numbers to seem legit?

Yup, this fake debt collection scheme did it all, illegally collecting more than $5.2 million in fake payday loan debts. Today the FTC announced that under a settlement with the agency, defendant Kirit Patel and his company Broadway Global Master, which processed payments for the scheme, will be banned from the debt collection business, and money recovered will be used for refunds. Patel also has pleaded guilty to the real Department of Justice on charges of criminal mail and wire fraud.

So how can you tell if you’re being targeted by a fake debt collector? A caller may be a fake debt collector if:

  • you don’t recognize the debt
  • you can’t get a mailing address or phone number for the collector
  • you’re asked for personal financial or sensitive information
  • you’re threatened with arrest or told you’ll be reported to a law enforcement agency

You have rights when it comes to debt collection. Tell the caller that you won’t discuss any debt until you get a written "validation notice," which has to include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

If the debt is legitimate — but you think the collector may not be — contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt. If it doesn’t check out, report the call to the FTC and your state Attorney General's office.

Blog Topics: 
Money & Credit


I received calls on two separate occasions from Debt Collection at 800-507-0028, even though I am Debt free. I have tried to stop them by calling And requesting to be added to their "Do Not Call" List to no avail. Please help.

I takes a bit of time for the FTC to do their thing. My calls have effectively ceased. When one gets through, I tell them I'm on the list. If they call back, report it to FTC, Atty. Gen., BBB, local officials. MAINLY, don't answer the phone, seems to make me feel a little more in charge of my life by not getting scammed AGAIN!!!

Why doesn't the government pay to have this announcement published in all the major newspapers around the country at least a couple of times a year. Also require the companies that print or make available reproduction of tax returns to put a warning that IRS ALWAYS contacts people that owe taxes by mail. So unless you have moved and have not left a change of address at the post office, or changed your address on your drivers license, any calls from someone trying to collect money over the phone is probably not legit.
Several years ago I was watching TV and a prediction flashed on the screen that the fall of much of our personal wealth would be because of the COMPUTER.

I'm an accountant & I personally have received a phone call asking for tax dollars I didn't owe. Several of my clients have called me also and reported receiving threats for non payment of taxes not owed.

Public announcements should be regularly advertised about these fraudulent phone calls. Also be forwarned to NEVER give out personal banking information to transfer funds to any of these potentially tax fraud collectors.

Perhaps its time to enhance our social security numbers with some sort of passwords. We are such a naive and trusting society. And so many clever thieves are ready to take advantage of the unknowing.

You are almost totally correct. The IRS will always contact by mail first, but there are times when they will follow-up with a phone call. The IRS caller will always give name & ID number.

The gov'ts are out of money, US 18 trill in debt, and unemployment still flowing like the Euphrates. The Gov figures, you can afford a computer you can figure it out. While EBT cards are being handed out like tickets at a weekday summer game at Minute Maid park. Fight back, stop following the protocols, thats what the thieves want you to do, march along, fill out report, get new #, add to no call list, repeat. Figure it out, fight back, get names, anything, record calls, post, I am using an air horn when I repeat the number. Stop being victims. We may be not be as smart, but we do outnumber them.

My experience exactly, J.C. Penny's is saying that the IRS is coming to get me and my family after my son received a number of stitches for a defaulted bed-- we took those beds back to them--but we remained with the debt as if were to pay== the Supervisor agreed that they would remove the charges and fees--but instead it continued to climb--then once it was written off---and the time also expired--but then they sold my information and various companies continue to threatened me and my family-- demeaning us--rudely upsetting us---one came to our door and placed a hand written letter--we were told we would have to pay these astronomical legal fees-- unless we made an agreement to make installments-- J.C. Penny's stated well pay them--
However, this has continued over 14 years-- we still get harassing calls from medical collectors as well-- I have always reported my medicare insurance information, some companies refuse to accept it--and we are left with debt on our credit report as a failure to pay-- I have become ill in regards to the stress and loss- as well-. they have called our homes repeatedly sent us various of threatening mail--- and despite us asking them not to call or send any mail they continue--
not like I am trying to pay for anything that I have purchased, used or otherwise brought-- I became permanently disabled, and the hardship went beyond what expected because my life became seriously threatened from an assault and I haven't been able to go back to work since-- beside me being a single parent raising disabled children as well-- this all came together taken a toll on me-- when I was able to pay on other debt that I was in agreement to pay--- on several occasion I was turned away unless I paid the lump sum in which they demanded.. Thereby, those companies must follow regulation-- they need to get reimbursed from my insurance company-but as far as J.C. Penny's I do not owe them anything and would like for them to stop harassing our family-- My son is grown and still suffers with bad memories for his leg and often take on a hurtful personality when he is either reminded of his injuries and ask why haven't something been done--being scarred has caused him to neglect his opportunity to play football professional--and when I communicate that he doesn't have to show that part-- he really acts out--so we just try no to visit that--but I continue to get debt collect and scammed---
I someone purchased a car registration with my name and because I know them--nothing has been done--- I was attack and assaulted and now have 60 percent tear in my right arm making my life even more hecked--
Att&T just breach our agreement-- I explained I moved out of town due to this attack domestic violence and I neede a new home phone-- I requested a lan line becaue of my daughter and I disability, instead they gave me a voip--phone service and internet connected --- now the phone servie hasn't worked properly for seven month-- so after getting harassing calls and blocking call I was told that my information was compromise- and I should go to the police -- the police said its nothing they could do call the Trade Commissioner--when I email the information I am prompt to go to the credit bureu, but Its difficult to understand and complete the long process--now my phone line was supposingly linked to an access code and causing a cross line distrurbance and they were forced to change my number--- I have them on the phone now-- we been on here since 9:47 am it is now 1:49 pm. I asked them not to do this with the hours of hold and were still experiencing a long process to fix the issue--they continue to come in my home rewiring my home and moving my jacks and phone from room to room--just two weeks ago on Sunday they came out and the issue is supposed to be fixed--but I am stuck on the phone because after I share this very sensitive information about my privacy and domestic violence-- and my number needing to be private-- I just learned that they have published the number though their notes states it's critical for me to have it private and a lan line--but I was told it's impossible for me to get that now that they are going to be obsolete... they are now requesting since they error again with my privacy that my number be changed again.. so this is why it is almost 2:00 pm and were still on the phone---and I request more than once for them to monitor and investigate these things--and they haven't-- such a long list--- I will communicate more upon you responding--- oh-- also over the internet I was told I had been hacked and must call various numbers and pay to get it fixed-- I contacted my server provider inregards

There are places to go for help about the problems you describe.
1. If you have old debts, a collector may not be able to sue you to collect. A debt collector has a limited number of years — to sue you to collect. That's called the statute of limitations. This FTC article tells more about old debts, called time barred debts.
2. If you send a debt collector a letter telling him to stop calling you, he has to stop. If you have problems with a debt collector who won't stop calling after you send a letter, report that to your state Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau.
3. If you need help managing debts, you could work with a credit counselor. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service run non-profit credit counseling programs. Or, ask your state or local consumer protection agency for referrals. This FTC article tells you questions to ask before you choose a credit counselor.
4. Resources on domestic violence are available through the National Domestic Violence Hotline at 1-800-799-SAFE.
5. A legal aid lawyer might help you.
6. The federal government has a program to give discounts on telephone service to some people. To see if you can get the discount, go to Lifeline telephone service.
7. For help with your identity theft affidavit, call the FTC at 1-877-382-4357.

WOW.... Thank you for all the information and links. Very much appreciate your hard work. Regards.

Now get credit card services they called 2-3 times per day and i tried do not call registry w/no results!!!

Verizon Wireless calls 3 - 6 times daily trying to collect a bill from someone who does not live here. I told the lady once that the person doesn't live here, and to please remove my home phone. She said that it would take at least 72 hours to remove my munber. That call took place over a month ago. Still receiving the debt collecting phone calls.

Send an email complaint to you stste Attorney General's office.

So I've been getting these emails for years, I know their fake, I monitor my dents and credit on a monthly basis. And very closely with a fine loop. But these people keep emailing me, I can't seem to spam them and I can't seem to get rid of their emails. What do I do? Can I forward to someone?

You can forward spam email to the Federal Trade Commission at, and delete the message from your inbox.

Sorry but due to the overload of emails of spam that u get or got because of me from sending u guys all the spam emails I get, that process is now slower then ever. I recommend either switching email providers and getting gmail. When u hit the report spam on a email that gets sent to your inbox, the next time they send a email it goes to the spam folder

What about the company Advance Cash Services(ACS) or ACE. Everytime I pay one so called bill off the find another one. They then start threatening to put my SS on hold, take me to court within 7 days or have me arrested. There are at least seven(7) people with seven different email addresses sending over 600 emails and usually two to three at the same time. They have used law enforcement, lawyer, president, CEO as different titles. Now both ACS and ACE are threatening at the same time yet they claim to be working for the same companies. I pay off one the other says that's not our bill and you still owe. I just paid , supposedly the "last" one sate suppose to mail me my final confirmation number by mail. They will not give me an address to find them. They never give me a complete name the last one was a William Chen in the ACE Law enforcement. I have been in contact with you all, this is my seventh or eighth complaint I have written, paid out almost $8,000. I am afraid that if I don't pay them I will lose my pension/SS and I need that to survive, suppose I don't pay it and they stop my checks? I wouldn't be able to pay my utilities, phone or buy food. I have never been to court before or had this problem. They are robbing me blind and I'm scared to death if I don't pay. one

You might be dealing with fake debt collectors.  They might be trying to scare you into paying money that you don't really owe.
Here are signs that someone is a fake debt collector:

  • he says you owe a debt that you don't remember
  • he won't tell you his mailing address or phone number
  • he ask for personal or  financial information
  • he threatens to report you to law enforcement

If they call again, tell them you won’t talk about any debt until they send you a written "validation notice." The validation notice has to say the amount of the debt, the name of the creditor you owe, and tell your rights under the federal Fair Debt Collection Practices Act.
If they won't send you a written validation notice, you can stop talking to him. You don't have to keep paying.
Call your state and local consumer protection agencies for information about handling debts in your state.

Oh my that sounds so much like the people that are calling me. They call from different numbers (10 different numbers now that I'm counting) each claiming to be another company. They refuse to give an address, they refuse to give me a license to collect debts in TN. One person threatened me and called me a deadbeat, thief and swindler. I am a cancer survivor and I am not a novice with the debt collection practices and they meet none of the requirements. In particular the phrase "this is an attempt to collect a debt etc.." that they must say. I have bank statements going back 10 years I told one women she said I doubt that I said oh ya I really do my bank archives them and they are available at anytime. She said well send them in I said take me to court and lets take care of this once and for all and she said we will good luck and hung up. Each time I've told them it's fraud and I'm going to file a lawsuit against them myself and to send it on to the courts. I never get a notice to appear and then a call comes from another claiming all the same nonsense and when I say I told you to send it to the court she says we have never called you before. Really unless you are certain you didn't repay one of those loans I would insist on written proof before giving them one more dime. If you happen to determine this is fraud call your bank immediately and tell them you believe your are a victim of identity theft and fraud and see if they can pull those payments back as wire fraud. Best of luck!

I am getting the calls too at work and cell. So now I call them back and let them hold, cuss at them just like they did me, call them losers, talk trash so I am harassing them right back.

I sincerely hope that you have stopped paying them. ACS is a scam. Please do some research on them. I hope you can collect at least some of your money back. I got mixed up with them but before I paid I realized the whole thing was a fraud. Please report them ASAP and sever all contact with them.

I filed

This is just one of the many faces of debt collection scams going. There are still a number debt collection scams going on within this country and abroad - like India, Thailand, and even Australia. While the FTC or CFPM may be able to nip some of them but there are still a good number of scammers that are operating daily targeting Americans as their victims.

This just happened to me a few months ago. Now I am extremely concerned. Suggestions on who I should contact? I have been scammed :(

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

I've filed and filed and filed done

if I have 4 payday loans and cant offord to pay them what can they do to me if they wont except a reasonanle payment plan

You may want to talk with a credit counselor. Credit counselors can work with you to manage your money and debts, and develop a plan to deal with your situation.
Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service run non-profit credit counseling programs. You can also ask your bank or credit union or state and local consumer protection agencies for referrals.
This article tells more about credit counselors.

CHARLIE SEZ That's all fine and dandy, but what punitive penalties under the law are or have been taken? Aparently, a "slap on the hand is the only legal action against the perps ... Are there no criminal charges filed under federal law. A settlement of termination of practice seems inappropriately minor. Considering the fact that the perps can merely continue to bilk the public under a different guise. Is seems inadequate to me ... 'NUFF SAID

You'll find more information in the FTC's press release.
The release adds that in a separate criminal proceeding, Patel pleaded guilty to mail and wire fraud charges brought by the U.S. Department of Justice based on his scheme. He was sentenced to a one-year prison term.
In addition, the court order in the FTC's case imposes a judgment of more than $4.3 million. Due to the defendants’ inability to pay, the amount will be suspended upon payment of $608,500, which will be used for consumer redress.

One year prison term is for first time offenders right? Up that to 5 years per $100,000 they scam. Then the scammers won't do that again unless they are from a third world country. Also debt collection company tried to call me tonight. The number is 347-707-7478. If u google it, it's a fake debt collection agency.

Forgive me for asking (and this article is all great information) but how can he lack the resources to pay when he swindled people out of that much money? Even a year in Federal prison and repayment of that small amount just seems like a slap in the hand for the damage to people.

One down and many more to go. Thank you

Yay finally one of the fake debt collectors that use to call me has finally been shut down. Why does it take the government so long to get things done?

I most appled and just can not stop clapping my hands this was a great way of stopping the bugs that look for every weekness they can Find.

keep the information coming! thank you!

I'm not receiving phone calls but I am receiving emails

I get scams about loans i never took out. They are going to arrest me and put put a warran if i dont pay the full ampount or a sum from 3-500 dollars to settle it put of court. I get phone calls. But mostly emails from supposed federal officers or judges or cpurts. I just got one today tjey had personal info said i lost a claims suit i was never notified about. But i can pay 500 n change n it will be ssettled. I am tired of being scared npt knowing if these are real or fake n having to be worried about going to jail. Can someone tell me hoq to know of these are fake?

If somebody contacts you about loans you never took out, he could be a fake debt collector. A fake debt collector could have some of your personal information, and still be a fake.
A fake debt collector might:

  • tell you to pay for a debt you don't recognize;
  • refuse to give his address or phone number;
  • ask for your personal or financial information;
  • use pressure to scare you into paying, or threaten to have you arrested or reported to law enforcement.

This FTC article has tips to help you deal with fake debt collectors.

The criminals mentioned in the e-mail apparently stole $5.2 million. Their jail sentences should match the size of their theft and be many more years than those of a street mugger--I doubt that is the case because we still go after big blue collar crime less aggressively than the smallest street crime


I got a telephone call on 9/16/15 from "Humble" Tel#281-973-2031 saying they were from the IRS and that I owed them money(which I don't)and to pay up. Thanks for Caller ID. You can go after them now. The funny thing is that during the GOP debate last night Donald Trump said his name was "Humble"

Reporting a phone call 914-760-4100. They reportedly calling on behalf of a civil suit filed against me....& it was on my cell phone which only very few people have. What do I do? It's also under a name I haven't used for any credit since 1993.

You can report this to the FTC at The information you give will go into a database that law enforcement uses for investigations.
Blog comments don't go in the database.


remember, using the postal mail in the process of this crime is something to report as well. you are able to return the mail to the notice of the postmaster, notice of collection fraud using the USPS. make sure to take a picture of the envelope before you hand it to the postal worker, do not just drop in the mail box, HAND IT to the worker. use the picture to file a complaint to the us post master. it is a felony to use the usps in the process of a a false collection.

I have been targeted by a third party collection agency. The automated voicemail said that I needed to call this number immediately and give them a case number. That myself or my legal cancel should call. Needless to say this was frightening. I called the number and gave them the case file, they then said that they had two complaints of payday loans. They were representing Laser Lending and JCC Processing. I have NEVER taken out a payday loan. I told them to stop calling me and that any communications needed to be in writing. They said that they had and I hadn't responded. The address that they had was an old address that I haven't lived at for 30 years. (It is my Mom's address) and an old email address, they had the last 4 digits of my social. This is very disconcerting that they had that information. Do not send these people money... check your rights under Fair Debt and Collection Act. If you have any doubt about whether you owe someone or not, check with a reputable credit bureau.

I been getting these call as well...and IT MAKES MAD. I have not called back hoping they will just stop. How do they get away with THIS!

I started to get these calls as well the end of august, beginning of September, they still wont stop calling. I even went as far as calling the County Exec office that they said they were reporting me to, my whole background is clean, and I don't know how to stop them from calling. Have they stopped yet?

I too am being harrased for the past 6 months or so by these same people. I am very conscious of my credit and any debts that I have and I KNOW that I do not have any outstanding debts for a pay day loan. They are also referring to me under my maiden name and they also will not send me anything in writing when I have asked for. Most recently, they are calling my sister and my husband (and God knows who else!) leaving messages on their voice mail leaving my last four digits of my SOCIAL SECURITY NUMBER!! I have put in a total of two complains with the FTC and my next step is to contact my local police and make a report. These people make me so mad!!

I just got a call saying they are the irs and im being sued of a irs debt, they have called before. But I don't think I have a problem with the irs. Is this a phony phone number? 206-900-8698 please let me know im so scared. Thank you,

The IRS does not start by calling people. If the IRS needs to reach you, it will send you a letter.
Scammers call people and pretend to be the IRS. They might say a fake badge number, or say the last 4 digits of your Social Security number, then demand you send money by a wire transfer or prepaid card.
If have questions about your tax payments, call the IRS at 800-829-1040 and talk to an IRS worker. Or, go to the IRS website: irs.go

I received a phone call from a Roger Moore with Northwest Recovery and Associates from phone number 702.723.4303 to ask me to ring him back up at 844.278.5698, he called to say that he is calling to collect a loan that I supposedly made back in 2012. And if I do not pay for it they will sue me and I will have a warrant out for my arrest.

If this is a legitimate debt collector, you have rights under federal law. Read about your rights in this article. If you ask a debt collector in writing, he has to give you written verification of the debt. The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
This might be a fake debt collector. Here are signs of a fake debt collector:

  • he wants you to pay a debt for a loan you don't  recognize
  • he refuses to give a mailing address or phone number
  • he ask for personal or financial information
  • he tries to pressure or scare you into paying
  • he threatens to have you arrested, or says he'll report you to law enforcement

The article Fake Debt Collectors provides tips to help you handle that kind of call.

As with all things, use common sense ! People are so gullible especially if they fall for "you owe a check cashing business X amount of dollars for an un recovered check", if you've never used a payday advance WHY WHY would you agree to pay? It's still a buyer beware world!

I think they should do like drug dealers seize their homes and bank accounts and all assetts from them and never allow them any computer equipment or phones with internet. Plus big jail time.

There is a company calling my house phone says that they are trying to collect a debt. It is a payday loan. it is in my name with my social security number. the address, places of employment and other information does not belong to me. I told them it was not me but they keep calling saying I will go to jail but they can help pay half the amount. I did not live in the city when this happened. What can I do to stop them from calling me?

It's possible that someone used your name and Social Security number to get a loan. Go to to read about placing a fraud alert on your credit report and getting your credit report. Review your report. If you see any transactions that you know you didn't make, follow the steps at and report the theft to the FTC. 
If your credit report looks correct and your name and Social Security number weren't used to take a loan, the caller might be a fake debt collector. Sometimes a fake collector has some of your personal information.  A caller may be a fake debt collector if he:

  • wants you to pay debt for a loan you do not recognize;
  • refuses to give you a mailing address or phone number;
  • asks you for personal financial or sensitive information; or
  • tries to scare you into paying, or threatens to have you arrested or reported to law enforcement

This FTC article about fake collectors says more.

I have been getting calls on my cell from 844-215-7133. The call have also been on my land line asking for my husband. It a record telling us to call back regarding a claim and they give a claim # to reference. One day before I these called started I received a threating all from someone with an Indian acsent. Telling if I DO NOT CALL BACK ALL HE CAN DO IS WISH ME LUCK AS THE EVENTS UNFOLD. Now, I know these calls are a call, but on the other hand I angers me that someone can getaway with this and make a living at it. AND what angers me the most is that they are Calling my daughter asking where we are! None of these calls have been answered. I just want them to STOP.

When you ask a debt collector for a written validation notice, are you expected to provide your mailing address or are they expected to mail it to your last known address?

If you want to receive the written validation notice, tell the debt collector the address to use.

My daughter received a voicemail yesterday on her cell phone. The called said he was mediator James Johnson on behalf of Matthews, Adams & Green. He said he was faxed over a case file on me (left a case file number) The voicemail says that I failed to make a statement therefore they will proceed forward with possible charges on a count of embezzlement, possible detainment order, and a court appearance will be attached. It says to have the orders dismissed I need to call 424-274-0843.

I then received a call from my X-sister in law who I have not spoken to in a few years. She informs me her husband (my X brother in law) received the same phone call and later that day she received a call from the same person with the same information.

There is no reason why I would have any of these charges and believe this is a scam. I have filed a complaint with the FTC. I am perplexed how they would be able to get my daughters cell phone number and my X brother and sister in laws cell phone numbers in relation to me. Especially since I have not spoken to my X brother/sister in law in years. I have not used them on any application for credit or as reference for anything in over 10 years. My X - sister in law even said she changed cell phone numbers about a year ago. How can they get this information?...and yet they don't seem to have my phone number because I have not received any phone calls myself.

I googled the phone number and read several comments from people receiving the same call from the same number trying to collect money they do not owe threatening embezzlement charges and future court proceedings also.

Other than the complaint I filed with the FTC are there any actions I can take against these people/company and find out who they really are?

Thank you for reporting this to the FTC. The information you give will go into a database that law enforcement uses for investigations.
You could also report it to your state and local consumer protection agencies.

I stupidly panicked and gave my debit card to a "debt collector" because the debt he listed sounded familiar. They were going to serve me the papers and take me to jail, etc. After paying the $400 and researching, I found that the "name" of the company I previously owed money to had in fact been paid in full a few years ago. They continued to harass me and I stated that they cannot legally claim to be United Process Server (we don't have to adhere to the Fair Debt/Fair Credit act because we're a legal process server. I said, you're callilg me for more money and you've already took $400 of MY money, so that, sir, makes YOU a DEBT collector. I have rights and I demand that you send me what I'm asking. They never did and I haven't heard from them in a couple weeks. I wondered if it was even a company or just some punks setting up shop in the basement. I'm livid because I stupidly gave out $400 and I probably will NEVER get it back. Is there a way to collect on this kind of stuff? Seems innocent citizens should be protected by law and somehow get a portion returned, especially if the "company" is caught and gets their hands slapped.

You can report this to the FTC at The information you give will go into a database that law enforcement uses for investigations. You can also report to your state and local consumer protection agencies.
If you shared your gave your bank or credit card number, or sent a personal check that shows your bank account number, contact your bank or credit card company. If a scammer has those numbers, he can take more money.

Beware! There are calls from area code 202, Washington DC, claiming that the IRS is filing a lawsuit against you. They threaten that you will be arrested and your bank accounts frozen if you do not pay thousands of dollars. I had 2 recorded messages from them in one day. Phone number is 202-580-8652.


These are useful details for a complaint. Please report this to the FTC at The information you give will go into a database that law enforcement uses for investigations.
Blog comments don't go into the database.

It has been a week and every day there is a message on my land line. I really wish this would stop.

I have been getting called from 901 425 1481
said he was from Jacobs Litigation service. Was a recording - I so disgusted that I turned off my answering machine, but I did notice they call again today.

I have recieved calls several times a day for the last few days from several different numbers (305-203-5004, 866-580-4780, 482-458-9112, 866-352-0458, 407-904-1245, 877-434-3695, 991-964-6643) claiming to be a debt collection agency. After I ask them to identify themselves, they ask for my social security number and inform me that they are going to come after me and insisted that they will get their money.and that the will throw me in jail if I don't pay today. I tried blocking their numbers, but they keep calling from different numbers!Please help!

If the caller is a legitimate debt collector, he has to send you a written notice about the debt within 5 days after he first calls you.
If he calls again, tell him you want a written “validation notice” telling you how much money you owe, the name of the person or company you owe, and what to do if you don’t think you owe the money.
The caller might be a fake debt collector. A fake debt collector might:

  • say you have to repay a loan you don't remember
  • refuse to give you a mailing address or phone number
  • ask for financial or sensitive information
  • try to scare you into paying, by threatening to have you arrested or reported to a law enforcement agency.

So Patel defrauds millions and gets NO JAIL TIME?

Great work, FTC.

Follow the link in the blog to read the press release about the case.
It explains that in a separate criminal proceeding, Patel pleaded guilty to mail and wire fraud charges brought by the U.S. Department of Justice based on his scheme. He was sentenced to a one-year prison term.

1 years? should be 10

Just filed a claim against people calling themselves Nationwide Recovery Associates calling from 844-210-5810. They have been calling my cell phone and my husbands. They give a case number to refer to, say there are various failure to pay judgements and I can pay $655 right now to stop it. All info they give about any debt is absolutely inaccurate. They are extremely pushy rude and unprofessional. Heavy Indian accent. Wished me good luck when I threatened to call the police. I was hung up on several times and when I told them I was filing a report against them number now disconnects when I try calling.

I have been received emails for an "ACE Inc.," stating that I owe a debt. After doing my research I looked them up with the BBB and they have a fraud alert for this agency. The BBB says to ignore the emails and to file a complain, which I have. I also filed a complaint with the FTC.
Today I received another email from them this time the body of the email includes my SS# and my current employer. The email from this agency is from a james_walterhenson . I replied back to them and asked them to send over documentation validated the debt, I also included in my email that I have reported them to the BBB and the FTC and if they cannot provide me with the documents I will report them to the FBI. I have yet to get a response from them. This has taken time away from my job and has caused me so much stress to think they can try to sue me. Unless they can validate the debt they will not get a penny out of me.

These fake debt collectors have harassed us for nearly a month despite our insistence that they stop. They have the ability to mask their phone numbers so that they look like local numbers, alter the 800 number they use so that we do not recognize it, etc. We did not lose money--we are fortunate to be familiar with our own credit histories and not fall for their scam. But they have pieced together enough bits that it is easy to understand why people do, and since we do have other legitimate debts this has been a very emotionally difficult time. I would like to know what steps are taken to handle this, because after reporting this there is still little closure for us. I consider this a kind of terrorism against private citizens and it should be prosecuted heavily.

Thank you for this article, I received two threatning voice mails from this Kirit person stating he has verified my background ??? And to contact him regarding a debt and if I don't pay he will have me arrested. If he has pleaded guilty to scamming people why is he still in business? The FTC needs to stop this person immediately.

Please report this to the FTC at The information you give will go into a database that law enforcement uses for investigations.
Blog comments don't go into the database.

I have had one particular company, CRS, contacting me daily and sometimes more than once a day telling me I have two payday loans that I didn't pay off and I haven't taken out any loans! These callers are ruthless! They have been rude, crude and downright mean. I dread the calls and have asked several times for their address so I can send a letter to request to stop the calls altogether. I did get a message two days ago that said it was my final notice and they would be actively searching for me through law inforcement and my place of employment and that it would do me no good to hide anymore! Well, I am not employed, I am disabled. My sister works for the command staff at the city police station and she hasn't heard anything. So I am not very worried yet! Oh, forgot to mention, they really DO disguise their calls like the other person said. Two days ago they used MY number to call me. I had to do a double take to see if my own name and number was really on my caller ID or not but I heard about how companies can do that now to get information. That is just plain scary! I wish everyone who has commented before me the very best as they muddle through their issues. Just know you are not alone.

I have been getting a call from a company by the name of Atlantic group they are an arbitration company. They are telling me I owe money for a pay day loan I took in 2011. They will not give me any information on the pay day loan company and will not send me any paperwork until I pay it, if I don't pay the money they will tell the lender and the lender will take me to court. Any one have any advice on this? I don't remember taking a payday loan out I have not received any paperwork in the mail from a payday loan or a debt collector.

This FTC article has information about your rights when you deal with real debt collectors. There are limits on what debt collectors can do when they contact you.
For example, a legitimate debt collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you.
Learn what to do if you think a fake debt collector is calling.

Filed a complaint few days ago about an email from "Financial Redemption" threaten to sue me for an online loan that I never borrowed, they have my personal info.Telling me to pay a ridiculous amount before they send in a case file they have ready... and Today they sent a final warning so should I ignore it? Should I file another complaint? Because I know it's fake does not provide name of the loan or telephone number, looked up "Financial Redemption" thru the Internet and it doesn't exist as a settlement company. only way to respond is thru the email to settle the so call debt...

I keep getting calls from Atlantic Group(now spotlight or something) about a payday loan debt from oct 2012 which I did not get but they are saying I owe 2790 or I could settle for 570. 8446045265 is the number. "Melissa Thomas" called herself a level one legal rep. Ha! I am so sick of these people!

I just got a call from Atlantic Group and during the call started researching, the provided the name of the lending company as CP Investors, LLC, not sure whose voicemail I left a message on when I attempted to contact them, pretty sure it was not the company's. Either way, they are expecting me to settle for 400 or they will file fraud charges and take me to court to which I will then end up paying 2K. No disclaimer that it was an attempt to collect a debt, refusal to mail anything to me to validate the debt, only that they will email a confirmation after I have paid. Debt they are attempting to collect on is supposedly from 2010, I really want to mess with them for fun, but I don't want them to begin harassing my family.

If the caller is a legitimate debt collector, he has to send you a written notice about the debt within 5 days after he first calls you.
If he calls again, tell him you want a written “validation notice” telling you how much money you owe, the name of the person or company you owe, and what to do if you don’t think you owe the money.
The caller might be a fake debt collector. A fake debt collector might:

  • say you have to repay a loan you don't remember
  • refuse to give you a mailing address or phone number
  • ask for financial or sensitive information
  • try to scare you into paying, by threatening to have you arrested or reported to a law enforcement agency.


My Personal Information was exposed when the Federal Govermnet was hacked. I am now recieving calls daily, up to 3-5 times a day, on my cell phone and house phone from an 844, 855 and local 503 area code number. I've tried blocking the numbers, but they just call from another number. They have just started calling my ex husband and telling him that I've committed fraud. The woman I spoke with told me it was from a $350 loan in 2012, when I asked from what lender or bank, she named several different banks. I know for a fact I didnt take any loans in 2012 or for 350.00. So I asked for the company name, her name and phone number so I could look into it, then she hung up on me. I just dont know what more to do or how to get them to stop harrassing me. I have a few other coworkers who are going through the same thing.

My call was from Dynamic Recovery Solutions on 3 Nov. 832-871-3670, message was "..a debt collector...want to discuss a matter with you today." Asked me to call them toll-free at 877-821-1658.
First red flag was they didn't mention my name, second I don't have any unpaid or late debt. I did not call them, and, so far, I've received no other calls. Did Google the name, what a mess. Then called the county SO, not knowing what else to do. They were nice, but could offer no help.
I will be calling the SO tomorrow to give them some of this good advice, AFTER I report to the FTC and my state's Office of the Attorney General. Thank you so much for all the information!
P.S. I truly believe we could get by with fewer disgusting, insulting, and/or just-plain-stupid commercials. The air-time could then be used for Public Announcements reminding folks to use their answering machine to screen their calls and to NOT ANSWER if they don't recognize the caller. Then there would be no need to remind them to never give out ANY personal information. Not even their name!

I get calls and is always during taxes season or xmas. The person who called didn't want to identify who she was and asked me to pay her with a walgreens gift card.

I received several phone calls from a company called NRA. When I returned the call the women said she spoke with my husband about the $400 I owe for a payday loan that I defaulted on and was paid in full by a company called Mack Development group. I asked when was this loan taken out and she couldn't give me an answer stating she didn't have that information. I told her I never took out a loan and if I did why would another company take it upon themselves to pay for someone else's debt? She responded that If I didn't pay for the outstanding debt that I would be subpoenaed to appear in court. She states that I had 4 allegations against me. I asked where she was calling from and she starting yelling at me that I needed to pay the $400. She also stated that she talked to my husband and that he told her he would have me pay the money owed. When I asked her what his name was she said it was your husband. When I asked her what his phone number was she gave me my brother in laws number. I ended up hanging up on her because I was aggravated, I did call back later in the day and this time the women transferred me to my "relationship manager" his name was "John". He was extremely rude as well and told me that I needed to pay the $400 or I was going to be summoned to appear in court when I asked what town was I going to have to appear in court in he changed the subject. I asked what NRA stood for and he told me nothing it was just letters of a company. I told him his partner (the women) told me that it was an abbreviation for "Northwest Recovery Associates". He insisted that it didn't mean anything in particular and it was not an abbreviation for anything. I kept demanding that he tell me the payday loan store that was claiming I didn't pay and he said he didn't have that information again he stated the Mack Development Group hired them to collect the debt. He stated they had companies in PA,CA, and I think he stated FL? He was yelling at me for asking so many questions I told him even if the debt really existed that I would not pay it until I got written documentation on it. He said that a letter was written to me and mailed to my home address but was returned "undeliverable". He had my SS#, home address, email address. He has called my mother, and brother in law on his cell phone and home phone. John ended up hanging up on me I guess cause I was asking too many questions but as soon as he hung up my brother in law got another call almost instantly from them. It's one thing to have someone harass you about something that you don't owe, it's terrible that they are also calling family members.

The gila corp calls all the time!! I do not answer I do not owe any debts the number is 1-512-532-8633 calls all the time the tells you to call 1- 800- 295-0851

Tell all of these people if they call you again you will contact your stat Attorney General's office and the Federal Trade Commission. They don't like to hear things like this and in most case they will back off.

Have received two calls from MRS Associates. Based on research done on Google, have learned this is a collection company. I do not owe money to anyone, but will contact one of the credit companies. The calls always come on the cell phone which is somewhat upsetting. Will contact the cell phone company about blocking these calls. Any advice?

A legitimate debt collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. The notice has to include the name of the creditor you owe money to, and what you can do if you don’t think you owe the money. Read Debt Collection to learn more about your rights.


Please get all the information u can from the scammer and report it to the FTC using the complaint assist. I also recommend blocking the number either through your phone company, or some phones have a call blocker with them.

Btw guess what fake debt collection agency is back? Credit card services! Didn't u guys already catch these scammers? Oh yea u did and not only posted it on here but also some local news channels said it on the news when it happened

If you have information about a scam, please report it to law enforcement. Go to and provide details. The information you give will go into a database that law enforcement uses for investigations.
Blog comments don't go into the database.

I have been filing complaints all over the internet because I got an email say I owe a debt to a payday loan which I do not because I have not gone alone in 4 years plus the loan that I did get was all paid off 4 years ago now all of the sudden someone is sending me email I want the police involved I want it to be taken care of but it seems like no one gives me an answer about anything I've filed many complaints all over the internet and nothing is being done! I can send the emails to someone and also I took screenshots of the email so I can send it to someone if that's possible!

If you know you don't owe the debt, you might be getting email from a fake debt collector.
The messages could be from a fake collector if they:

  • want you to pay a debt you do not recognize
  • don't tell you the company mailing address or phone number;
  • asks for your personal or financial information
  • use pressure and try to scare you into paying by threatening to have you arrested or reported to law enforcement.

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.

today my inlaws got a call asking for me. Hubby's ex wife gave them a lot of info and she gave my husband the phone number and some case number so I blocked my phone number and called.
a man told me he would help me if I gave him the case number. He told me I was in debt in the tune of over 7k because of a pay day loan written on my bank account in CT. and that I was going to be sued, arrested if I didn't pay it. one I have only done one payday loan in my life and it was for a four day loan for 200$and it was paid off. Two I have never lived in CT.
They had my old email address that has been closed for 5 years. two old addresses he said it was possible my Identity was stolen that they sent me paperwork to the two old addresses (I forward my mail) I have never seen anything. then he says a inspector could meet me at the sheriffs office.
He wouldn't mail me proof of anything, only wanted a settlement payment on my account today only for 1240$ if this was all so then why not insist on the 7k. I told him I didn't owe it I wasn't going to pay it. he then tried to get me to settle out of court and then take care of the fraud that they would help me with that. I said no I would call a lawyer.
I called the sheriffs dept, DA's office about a 100 phone calls to get help no one has any arrest open cases, or anything on me. I was told it was a scam then some poor soul made the mistake of calling my cell, which was strange because I had blocked my number when I called, anyway the number said the city close to my home where I use to live and a man told me since I have a email saying you couldn't resolve this matter... and I tore him up I stated I had called the police and that this was fraud he said all I can do now is take this back to the clerks office I said "funny they don't have anything on me"
he hung up why can these people do this??? how can I protect myself he had my birthday, my ss# he had a lot of information some of it wrong but my family memebers aere being called threating them with me going to jail and they spill their guts and I get more phone calls. I called the numbers back they were not accepting calls this cant be legal. I'm scared and I'm tied of getting these things.

If you know you don't owe the debt they're calling about, the callers could be fake collectors.
A fake collector will:

  • want you to pay a debt you don't recognize
  • refuse to give you the company mailing address or phone number;
  • ask for your personal or financial information
  • use pressure and try to scare you into paying. He may  threaten to have you arrested or reported to law enforcement.

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.
Scammers can get your personal information (name, phone, birth date, current & former addresses) from public sources like online directories or social media pages. The FTC has tips about what to do if your information has been exposed. Go to and click the bar at the top right that says "Did you get a data breach notice? Start here."

Oh btw they can no longer get that information due to the privacy laws Bridget. I caught on that fact. So u all can thank me for protecting your name being labeled on there website without stating it in there privacy policy.

These jokers call twice a day. I quit talking to them. Threatening me with court and being arrested. I have not taken out a payday loan. 844-221-6919. They call my mom and sister. Something needs to be done about these idiots. Please.

I keep getting calls for a credit card that has been typoed at some point (I guess) because they spiel it out and the last digit is wrong. The original and correct number was paid off years ago. Every six months or so the calls start again. I need to know how to get them to stop. When I ask for verification, or even their company name and address, I'm usually hung up on or threatened with a process server. Then they turn around and "sell" my debt to someone else.

Does anyone know if it is an FTC rule that allows/disallows the SAME debt collector to come at you for multiple debts? I was threatened w a lawsuit by Cap 1 last year, and after filing BK 13, suddenly the same collector filed claims against me for all my debts, all unsecured except the house.

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. This FTC article has questions and answers about your rights under the Act and what a debt collector can and can't do.
People who file for bankruptcy are supposed to get debtor education after they file. To get help with questions related to bankruptcy, you could talk to the credit counselor or debtor educator who assisted you during bankruptcy, look at this list of credit counseling providers that are approved by U.S. Trustee's program, or check with the bankruptcy clerk’s office for the district where you filed.

I have been getting calls from a debt collector and now what they call themselves arbitrators since Aug 2015. They leave threatening that they will contact my place of employment, and send someone with orders to my home. They have even called my family. Its embarrassing and it needs to stop. I have ask them to send me whatever information they have so that I can view it and deal with it, but I still have received nothing. Now a few days ago, it started up again, I have filed a complaint with FTC, and CFPB and I again made sure I registered my number with FTC no call list. I filed last year with BBB when this started so I am assume nothing is being accomplished to making it stop. I have ask them many times to give me their address and they now right refused! They claimed its their right and privacy not to???? So I hung up. HELP!!!!

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

MPS is calling me and family members for me. I know we don't owe a debit, so when I asked for their mailing address they hung up on me. Called back many times to ask again. They state they don't have to give it out.Filed a claim with FDC. They contacted family members before me and multiple times

Getting theses calls since 2-1-16 five different numbers they call my work cell house friends it rediculois they refuse to send a letter validating the debt or give me there address to send my own request. They say I am being charged with felonies for check fraud theft by deception etc. all the time not giving me the original creditors info. Police we're no help because they haven't done anything yet like take money from my account. I looked I have no unpaid loans or credit cards on my credit report. I am really tired of it it is stressful. They say they sent a parcel and it was returned undeliverable. Untrue. There must be something that can be done

I just got a call well actually theyre calling my sister and leaving two different numbers they are saying they are the ATlantic Group and they give a case number and all saying i didnt payback a payday loan which i have Never had a payday loan and her name was Ariana Johnson she tried to settle w me i said lady ive never had a pay day loan in my life so ITS A SCAM I TOO AM DISABLED AND DONT NEED TO BE SCAIRD LIKE THIS SO ATLANTIC GROUP GET A LIFE. AND LEAVE PEOPLE ALONE

I have heard that if a creditor sends you a form 1099C which attributes to your taxable income a cancelled debt that creditor can no longer make collection attempts. Is that true

You could ask a tax professional about this, or contact the IRS.

I think this company is still practicing their ways. Yesterday I received a call that went to vm stating they have been trying to reach my sister about a case that would be filed in with the county, she then used the name of the county my sister lives. She said that I didn't want to be involved or have I didn't want to have action taken that I need to have my sister call. She left a number for their "litigation" office 866-203-0052. She wished both me and my sister luck and stated that the case was being sent over by the end of the day.
When I called the number to complain of their harassment and threats that I could somehow be involved my a case for my sister, they answered by just saying "hello" I asked what company it was and she didn't want to answer, finally she said "Atlantic" when I asked if they were a debt collector she said no we do litigation. She transferred my call to someone who I believe gave a fake name "Audrey helms" and claimed she is a litigation attorney. When I mentioned harassment and that I would look at getting an attorney she started talking over me, she didn't want to give any of the company info, by the end she claims her boss was mark Allen and the owner is Michael Strickland. Then she stated tell your sister good luck in court.
I have filed complaints everywhere I can think but have limited info on what the company is or who they are. I have spent hours researching and trying to find an address or some info and have been unsuccessful. That's when I saw this artical. I reported to ftc, fcc, attorney general, pissed off consumer and began looking to report to the fbi. I found another complaint online with the same issue and they listed 866-722-7657 as the number they were given to call. Both numbers route to an ext 314 after normal hours and the weekend.

I just got a call from this number the other day, they left message with no name given, just to please call this number 877-821-1658.

Have received several calls from TACS, they claim I owe for a payday loan. I stated there is no way I owe for something that I did not take out. They refuse to send proof. Horrid people, not sure how those people get their jobs, but they are truly scraping the bottm of the barrel, none of them have any customer service skills.

I have the same thing I called them today 9-26-16 to ask them their address she told me for security purposes they are not allowed to give it out flag one then they are not accredited by the B.B.B. flag two their harassing phone calls are too much.

This is a joke we spent this money for FTC investigation of someone collecting $5 million through fraud and he is only charged $400, pays about $100k restitution and serves 1 year in jail. Now he is back in business as these calls and my own experience shows. Many people might be willing to spend a year in jail for millions of dollars.

do they have our SS#, they called my uncle and told him they have my SS gave him the last 4 digits but he doesn't remember what they said. they say it is for a loan I made in 2013 for 440.00. Never made a loan

For all of the people naive enough to believe the FTC will actually do something about a complaint, I have a story. A few years ago I was receiving constant collection calls for one of my relatives. I sent the collection agency a certified cease and desist letter. When the calls continued I sent a written complaint to the FTC, with a log of the calls and a copy of the cease and desist letter.

What happened? The FTC sent me a form letter suggesting I send a cease and desist letter to the debt collector. That's right--they never read my letter! The agency is worthless, so don't waste your time complaining; they'll never do anything.

I know they have to send,"Validation Letters," within the first five days after they call. What about a legitimate company sending physical mail claiming you owe money that you know you do not?
Are they still supposed to send Validation Letters after sending you printed items? Or is that solely for phone calls?

This FTC article about Debt Collection tells more about your rights under the Fair Debt Collection Practices Act.

I got a voicemail from a lady yesterday from CAP & Associates, I can not find them online anywhere... She said that I needed to call back in to make a statement because their client has filed a complaint. I called in and she said I owe LendMeNow $4800 and if I can not make payment arragements they will move forward with charges in my county court. I hung up with her and found this site and then called her back asking for a "validation notice" she said she would send me one but when I asked for her address she would not give it to me and said all that will be on the notice... We will see about that. These people are so ridiculous!!!

I been harassing by BBB calling about making a payment of $2500.48 dollars I need help to understand if this is a scam they are threatening me w losing my license

The person who called you might be a scammer who is trying to scare you into sending money. Before you send money, check around.
Look up the number for the BBB in your area and call them yourself. Ask if they have really been calling you.
Contact the city, county or state department that gives you your license. Ask if there are any problems with your license.

These people TACS collection agency keep calling me talking about I owe Manhattan Processing $400.00 and I owe them nothing. I have never in my life took out an online loan. I get calls from +1 (210) 503-1458 , and +1 (210) 634-0125

This lady name Sharon Carter has been calling me for at least 3 years off and on. She doesn't call everyday in fact the calls just started up again and its been about a year. She calls from an unknown number but she say's that she is a process server and will be serving me papers if she doesn't receive a stop order. The number she gives me to call is 1-888-331-3087. I spoke to her last time she called (last year) and told her to please deliver the papers she supposed to serve me so I can figure out what bill I owe ( I don't think I do). She was also calling my family and I told her she was not allowed to do that and to leave my family alone. This time she has been calling my husband. The last time I called the number she gave me the man was rude and hung up on me. The phone calls stopped for about a year and now she is calling again. I have not called the number again. I have not been answering when I see an Unknown Caller. How do I get her to leave me alone for good. Thank you

That "Company" if it really is, must be stoped once for all by the United States Government. What's wrong that they still messing with the people but the Law Enforcement Agencies doesn't do nothing about it yet?

Had a call today from a company out of Columbus OH stating I had two felony charges for outstanding payday loan in the amount of $927. At first I was scared because I do not use payday loans or cash advances and wondered if someone had my checking account info or had taken my identity. They informed me that because I had never had bad check any charges that she was able to give me a courtesy call to allow me to take care of the debt out of court, but would have to send payments to United Financial Svc in Jacksonville, FLA. Of course I don't have anything outstanding. Because I'm an officer in the county I live in, I was able to use local resources. I called an attorney, my dept and friends in both the county and city PD and they showed no warrants or request where any background checks had been done. I did a reverse look up on the number and it said Dublin OH. I called them back and asked for an address. Once I got the address I researched and found the leasing agent and questioned him. The space was vacant. All the information received has been handed over to FTC.
I'm more worried about my credit than being charged with bogus felony charges.

Here's what would put a stop to all of these fake debt collector scams once and for all: Make it illegal for them to call you about a debt or any collection practice. The IRS doesn't call you, they mail letters and notices with official letterhead and phone numbers that are verifiable via their website.

Make it a law that all debt collectors can ONLY mail letters and notices and the information - their letterhead info and any and all phone numbers - much be verifiable via a website.

If this was the law, there would be absolutely no more scamming via phones or emails. If we can require the IRS to do it, why can't we require everyone to do it.

Just a thought!

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