received a call from james watson, thick indian accent. apparently representing "Financial Accountability Association."  Stated i had a lawsuit against me but would not give me details. Other research online is saying these people are scammers/fraudulent and it is scare tactics by PDLs to get you to pay up.  He asked me to have my attorney call him.  How does he even know I have an attorney?  Needless to say, I haven't replied.

Just got a call from Ricky Rhoden.  They had been calling from 925-887-0255 and have now switched to 213-784-5745.  The calls are scripted as I have received 5 of them in the last hour.
First thing is don't answer the phone.  And if you do, no one gets legal notification of any legal matter via the telephone.  This is a scare tactic.  If there was a sheriff's deputy at your door or notarized mail delivered to you, then perhaps seek legal advice.  However getting calls from a phone bank, and yes that is what this is, is annoying but that is all there is to it.

scammer 213-986-7609,310-362-7054
telling me i owe money and if i don't send him the money he will send the cops to my work and seize my property

I have done the same thing whenever i have time.  I have unlimited minutes on my phone, so i sit at my desk and just repeatedly call them and put the phone down.  call a few different numbers of the scammers.

I pissed them off so much, heres what they did:
1.  Called and changed me voice mail message to something dirty...I put a password on it now of 12 digits and they havent gotten back in.
2.  After harassing them I have gotten a few calls from american people saying I called them from my number, but I never did.  I think they ghosted my number and probably left messages.  Though I realized afterwards and never asked one of the poeple that called me back.
3.  One of the offices in india called and ghosted from a number from a different bunch of these idiots.

Probably the scammer - all the Consumer Protection Alerts on this scam clearly state to CALL THE FBI among other government agencies Secret Service etc to report these calls.

United Man and don't be so sure are the SCAMMERS making these calls
here is a list of other numbers and aliases they have been using to try a scam people on this complaint board.  I add at least 1 new number a day to this list


http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer false postings as Karen Miller, Chichi and Tom Little
http://800notes.com/Phone.aspx/1-561-300-8018   Scammer false postings as Marco Polo and Covenant
http://800notes.com/Phone.aspx/1-877-226-7488   Scammer false postings as SAM, David S
http://800notes.com/Phone.aspx/1-888-706-7463   Scammer false postings as George
http://800notes.com/Phone.aspx/1-209-349-7382   Scammer false postings as Towanda Robinson, Shannon Walsh, Jack Dawson and Cynthia
http://800notes.com/Phone.aspx/1-760-514-0132   scammer false postings as Suzy01, Johanna Hall, Cindie McMellon, Michael Dublin, Mark Williams, Carol and Rio   (800notes removed some of the scammers posts because the all came from the SAME IP ADDRESS)
http://800notes.com/Phone.aspx/1-209-797-2212   scammer false posting as Jaison Connar
http://800notes.com/Phone.aspx/1-707-401-4056   Scammer false posting as John Carner, KSR
http://800notes.com/Phone.aspx/1-650-241-4604   Scammer false postings as jhon and Kevin
http://800notes.com/Phone.aspx/1-708-401-0535   Scammer false posting here as JHON
http://800notes.com/Phone.aspx/1-518-212-0219  Scammer false posting as Prince Christian, Arpit
http://800notes.com/Phone.aspx/1-718-705-8669  Scammer false postings as Alicia
http://800notes.com/Phone.aspx/1-707-633-2789  Scammer false postings as Rojer, Minni, Rhone, Smith, Lisa Jack, Julie, Sean, and Carol. ? preparing a new number to use to steal money
http://800notes.com/Phone.aspx/1-205-294-6271  Scammer false posting as Thomas Jhonson
http://800notes.com/Phone.aspx/1-661-263-4011  Scammer false posting ?ILLEGALLY claiming to be an attorney Charles F Robinson
http://800notes.com/Phone.aspx/1-321-684-4117  Scammer false posing as Harry Patt
http://800notes.com/Phone.aspx/1-518-565-0306  Scammer false posting as Wellvishers
http://800notes.com/Phone.aspx/1-678-791-4673  Scammer false posting as Sherrie Ann and Elvine Buris
http://800notes.com/Phone.aspx/1-305-390-0607  Scammer false posting as James and Mark
http://800notes.com/Phone.aspx/1-209-349-3112  Scammer false posting as Roger Brown. David Macrow and Andrew
http://800notes.com/Phone.aspx/1-646-360-1702 Scammer false posting as STATE LEGAL DEPARTMENT
http://800notes.com/Phone.aspx/1-850-254-8883  Scammer false posting as Stella
http://800notes.com/Phone.aspx/1-347-875-8165  Scammer false posting as Lisa L Johnson, Mark Taylor
http://800notes.com/Phone.aspx/1-310-872-2861  Scammer false posting as Jim, Keith
http://800notes.com/Phone.aspx/1-760-582-0311 Scammer false posting as Alex Morrison
http://800notes.com/Phone.aspx/1-817-393-0246 Scammer false posting as Mark Smith
http://800notes.com/Phone.aspx/1-678-619-1686 Scammer false posting as Beckham, Beckh, BECK and MOCK and MINDY
http://800notes.com/Phone.aspx/1-352-653-1302 Scammer false posting as Christy and ANNA 2 times, KAT V DON, SANDRA JR, PAUL WRIGHT ALEX SCOTT DR Kim preparing a new number to use in their unsuccessful scam ?
http://800notes.com/Phone.aspx/1-646-770-2937 Scammer false posting as officer
http://800notes.com/Phone.aspx/1-623-465-9849 Scammer false posting as Bob Keeshan
http://800notes.com/Phone.aspx/1-325-260-0090 Scammer false postings under Jhon, Mishele and Tyrone Johnson
http://800notes.com/Phone.aspx/1-213-784-5745 Scammer false posting as United Man and Don't be so sure & immediately judge, ac

I just keep calling them all day long from my phone.  Its not big deal I just hit send every five minutes while at work and put the phone down.  I spoke with one of the guys I think the owner of this scam and told him I am going to keep calling and told him I had 20 or 30 other people making calls also.  I said as long as your phones are busy with my group of people calling you then you cant scam others on the phone.  

They are getting very pissed off lol :)

Hi everyone, I thank god I was able to find this information about these scammers. They don't stop calling me!! They call me during the day at work, and on my cell at night. What can I do to  make them stop?

Hey pal:

If you are going to make posts about "Logan Smith" here is some advice:

#1 Come up with a better name than that...is that SERIOUSLY the best you can do?

#2 At least change the words of the post so that it is NOT IDENTICAL to the one posted by another blogger.

Continue to sit in your little cubicle in India or whatever Godforsaken place you're  from and the time will come when you have to answer to a Higher Power and the US Justice System.  IT WILL CATCH UP WITH YOU.

my name is derek maple and today decenber 2 2009 a guy called me with a indian accent from a 321-256-4032 and said im being sued from a payday loan i recieved and i never did this and they have all my formation and told me i might go to jail on three counts of fraud. and about two weeks ago a guy from another company called me 212-3727274 and 585-321-8606 and told me the same thing and i told him im noit paying it and he cursed me and talked about how he had sex with my mother  and now i owe two to companies money which i think s a scam i dont no wat to do.

I have same thing I keep getting phone calls saying I owed a loan since 2008 december and they say they are the lawyer ans if I do not pay next day 750.00 dolars they will take me to court and chage me 5,900.00 dolar + fees and I told them That I know is a scam because 2 guys call me with diffrent dates on loan and they keep asking for a credit card# or checking account# I told them ok I will pay you tomorrow so that way I have time to pull my credit report and download my bank statments. and nothing pop up, next day they call me and I told them I need a certificate letter saying who do I owe how much company name and they sayd that is not they're job and I told them I never received a letter from you and they said was e-mail and they say one day they are lawyers and next day the are from pay day loan. Ok today monday they call again and left me a message in my voicemail @ work and they sayd they will sent a certificate letter with a police officer. and they file a court forme. the phone# they give is this one 727-362-1242 I serch this phone# and is from Florida and they sayd they are on Cambell, CA. What can I do? they pay day load can take you to court and charge thousdan dollar? please help

We know a FAKE post when we see one...

NO one in their right mind is going to arbitrariy pay $6,000.00 on a $300.00 debt!

i too made the mistake of putting out my info for a payday loan and in june 2009 started to get phone calls that you can tell are being read word for word.they  told me the same thing i was being sued but would not tell me the attorney of even an amount. call come up with fake numbers with area codes that do not exist  or opmniscient marketing 1-203-455-0725.they called my employer and told them i was being sued and after calling 6 times in a row told my employer that they too were going to be included in this suit. went to police station to file complaint and the officer called this person who has changed their name fom dan wilson to dean jones to jack thomas.told the officer i was being sued for a loan taken out in june.she asked if papers were filed and he too said i was sent an email. officer told him who now is named martin brown and would not give his dob but requested her badge number,to file paper if this was true but he stated it was a small amount and no paperwork was involved. she told him to stop calling me & my employer or she would issue an arrest warrant.calls stopped for a month then started 4 days ago.can barely speak english. called back (always a california number given)left voicemail as to police report and so on. received another call today now stating he was a police officer i returned call and stated he police report again and i was not taking further action. he said he wouldnt call but did call my friend who was listed as a ref. and said she was to be sued also because of a complaint from me and stated she was calling from stratford ct police .hopefully this will be the last and she stated she would also file police report. sorry i ever started this.very frustrating and not much you can do since they do not use there real names. will have to file another report or hire an attorney.that my time and my money.i have used payday lenders before but always used a direct lender and never had a problem, only the ones that fan out your info. i wish i could find them and sue them for harrassment.

Experience is a mean teacher. But, fools learn at no other.


I would advise ya'll to use some discretion and hande this situation with care. Until 1 month ago, I too took these guys for scammers. However, I was sued by them & I was ordered to pay $6 grands. My loan amount was only $300!!!!

Only 2-3 guys are authentic however, & most are phoney. The authentic guys are very courteous if you are nice to them and don't swear or hang out on them. But, if you do so, you are not going to have a great time with them.

I was sued by Logan Smith. Stay clear of this guy!!!  I did run a check on him with the CA bar members list . He is genuine & he's a man eater!!!!! His bar no. is 212041. Learn from me & check if you are dealing with him. If yes, resolve with him!!!

Don't be so sure & immediately accept this as being a scam.

I would advise ya'll to use some discretion and hande this situation with care. Until 1 month ago, I too took these guys for scammers. However, I was sued by them & I was ordered to pay $6 grands. My loan amount was only $300!!!!

Only 2-3 guys are authentic however, & most are phoney. The authentic guys are very courteous if you are nice to them and don't swear or hang out on them. But, if you do so, you are not going to have a great time with them.

I was sued by Logan Smith. Stay clear of this guy!!!  I did run a check on him with the CA bar members list . He is genuine & he's a man eater!!!!! Learn from me & check if you are dealing with him. If yes, resolve with him!!!

I just received a call from a Ben Johnson at the Federal Legistional of Unsecure Loans stating that I owed a pay day loan store for $1089.00 and that I need to pay it today otherwise I will be going to court next week. I asked the name of the payday loan store that I owe, and he wouldn't give me the information, except that they have sent me many letters and e-mails and that I haven't responded to them.  Ben told me that I will have to appear in court in CA and that I better bring my attorney.  I asked to talk to his manager or superviser, which then a Ronny Cooper came on the line, again he would not give me any information of who exactly I owe the money to and when I did not agree to pay, he told me that I will have to appear in court in PA, when I told him that Ben had said the courts in CA he said that they deal with courts in CA & PA.   These people did have a heavy ancient of India. They did tell me that they will be contacting my place of employment to let them know that I am a fraud.  I contacted my credit union to let them know about the phone call, and they now have my account on alert.  I will also be making a report to the FCA.

An man with a heavy indian accent called me at work and said he was calling from Federal Legislation of Unsecured Loans.  I had to ask him repeatedly what the name of the company was and what his name was.  He told me that I needed to hold on to talk to an attorney and I told him that I had never heard of FLUL and he said "well, this is the company" and you need to hold on to talk to an attorney.  I told him that I was at work and I was not going to hold on.  Almost immediately someone else with a heavy indian accent gets on the phone and says his name is Robert and that I need to give him my attorney's contact information so he can fax some legal documents relating to me to the attorney.  I told him that I would not give him any information and I don't know why he was calling me.  I also told him that his company did not exists.  He told me to call him back within the next 15 minutes at 310-598-1781.  I asked him for the creditor name and telephone number along with an account or reference number.  He would not provide me with any information.  I called the number back and it says to leave a message after the beep- no company greeting, nothing - but of course, the mailbox is full.  THIS IS A SCAM AND I AM REPORTING THEM TO THE NC Attorney General's office, the FTC and the BBB.  I am also going to tell them that I recorded the first call and that I have sent the call recording to the FBI and the police department.

At LONG last...these scammers are fimally getting the national attention they so richly deserve:

Full release from the Better Business Bureau:

Widespread Harassment from Phony Debt Collectors Raises Concerns of Mass Data Breach, Warns BBB Scammers may have Social Security and bank account numbers, home addresses and employer information

Chicago, IL ? August 5, 2009 ? The Better Business Bureau is issuing an alert about phony debt collectors that are calling consumers nationwide and claiming that they have defaulted on a payday loan and will be arrested if they don?t pay immediately. Claiming to be lawyers, the scammers say they are with the ?Financial Accountability Association? or the ?Federal Legislation of Unsecured Loans? and are equipped with a disconcerting amount of personal information about their potential victims.

?Because the scammers have so much information about potential victims, the BBB is concerned that this may be the result of a data breach,? said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. ?Thousands of people may have had their personal information compromised, and given the scammers? tactics, it appears that those who have previously used payday loan services could be particularly at risk.?

According to reports received by the BBB and posted online, the scammers accuse the victim of defaulting on a payday loan and claim they are being sued. The phony debt collector threatens that, if the victim doesn?t pay as much as $1,000 immediately via wire or by providing bank account or credit card numbers, he or she will be arrested and extradited to California within the hour to stand trial. The scammers often may have the victim?s Social Security, old bank account numbers or driver?s license numbers as well as home addresses, employer information and even the names of personal friends and professional references.

The BBB offers the following advice to consumers if they receive a suspicious telephone call about an outstanding debt:
* Ask the debt collector to provide official documentation in writing which substantiates the debt.
* Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
* Review recent copies of your credit reports to ensure that the alleged debt is not affecting your credit. Consumers can do this for free once every 12 months, and can find more information here: http://www.ftc.gov/freereports
* Under the Federal Trade Commission's Fair Debt Collection Practices Act, debt collectors may not harass, oppress, or abuse any person while attempting to collect a debt.
* A debtor may be contacted between 8 a.m. and 9 p.m. only and can be contacted at work unless instructed not to.
* File a complaint with the FTC online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.
* File a complaint with BBB online at www.bbb.org if you believe a debt collector is trying to scam you.

http://www.thinkglink.com/article/2009/08/06/ ... eading-says-bbb

http://800notes.com/articles/News.aspx/UmghNAGYQwANpAjL5OOhYA

I have been getting calls from a James Watson, and Daniel Martinez saying money was owed and they gave me the name of the firm as Federal Legislation of Unsecured Loans and left a number of 858-248-4821. I called and they said some stupid crap and have my information and were threating me but all calls were recored so I'm contacting police and putting a fraud alert on my report.

Thank you so much for this information. I received a phone call from a similar number but the only difference is that I fell for it. I have to now watch out for identity theft and close my account.

I received a call from Kelly Holmes from a 415 200 0285 and she stated she was from the Federal Legislation of Unsecured Loans. She states that a suit will be filed against me if I don't pay $786.25 as a result of a loan I took out. I was a bit skeptical but I was afraid to have anything filed against me. She had all my information, last 4 digits of my SSN, my employers name and all of the personal information that no one else could've known. I did what she requested for me to do, to send her a notarized letter that states a certain amount will be deducted from my checking account. I had some time today to do more research and found this website. I decided to call the loan company I owed money from and they advised me that they've never heard of this company mentioned below. Please be careful who you talk to as I have been scammed and will now have to watch out for identity theft.

thank you so much

The FBI can't do anything about it because it's the responsibility of the FTC to take care of these things.  I would love to believe you; however, I agree with the person who said you should write a book. I'd certainly buy a copy.

They dont follow the FTC cause they are scared criminals who try their best to fool people into believing their bs. I've been getting these random calls too for years, and when I picked up the phone, heard a bunch of people speaking in the background which led me to think that they are telemarketing frauds, and each time they call they have another person with an Indian accent and half of the time its silent. Its silent cause they have their headsets mics turned off. Half of these calls are made by computers with numbers programmed into them. These scammers are in India. They punch in numbers with American codes just to fool people into thinking that these calls are coming from within America. The only way to track them down is by locating the call center these frauds are calling from. My instincts tell me these frauds work for certain companies that were outsourced. Dont fall for their scam. Dont even answer them. Each time they call with different area codes just to get your attention. They might even call you with a spoofed number from your own area code. One way to put an end to this crap is to trace them and take the appropriate action. And to trace these harassing cowards you need a court order.

You totally made all that stuff up. You should try using your imagination to write a book, not pretend to be cool. Did you have the "Indonesian Authorities" on speed-dial too? Silly man, leave the fiction to Tom Clancy or Ian Flemming.

no they cannot arrest you. defaulting on a loan is NOT a crime. If it was most of america would be locked up for one debt or another. relax

All of your suggestions to call the F.B.I. are pointless.  I know this because finding people like these guys for the U.S. tax payers is part of my job.   I can tell you exactly where these little pricks are, and there isn't a darn thing the F.B.I. can do about it.

The first number that they call you from is a masked number from Jakarta Indonesia.  The number they request you call back on is a cloned cell phone from the U.S. (So-Cal in the dealings I've had with them).  It's not registering on any U.S. based cell network, so it's not traceable that way either.  They're fairly technologically proficient (execpt for the use of that awful Telco PBX)

Now that the bad news is out of the way for catching these slime balls.  Here's how it went down so you guys can avoid this trap.


approx 9:30 am.  Incoming call to my cell.  In a meeting, didn't recognize the number so I let it go to voicemail

approx 9:45 am.  Second incoming call, same number, let it go voicemail while in the meeting.

approx 10:00 am.  Third phone call.  Once again, same number, left third voicemail.

approx 11:00 am.  Meeting ended, listened to messages.  A Mr. Jeff White, demanded I call him back as soon as possible, in very strained and broken english.  Requested call back number is different from inbound call number.  And not just by prefix, but by nationality coding (first red flag is up).  He tells me his at a local court house filling paperwork out for my arrest (remember who I said I work for...  it means I know this part of the law, and a private lawyer can't do that).  Not to mention, as dumb luck would have it for him, I'm standing 300 feet from the exact same court house he claims to be in, about to go into and start pulling security tapes (sorry to call it profiling but it is when you match an  accent with ethnicity on the tapes).

I politely offer to meet him there with cash in hand.  He tells me it's too late, that the paperwork has been filed.  He'd need to be put in direct contact with my lawyer.  As luck would have it I have several federal prosecutors on my speed dial list.  I pick one who gladly gets into it with this guy.

His story kept changing the whole time.  He tries to make himself the victim here and tell us that this phone call to him is disrupting his business.  And that he's going to press charges.  He also got very upset when he was reminded that the whole conversation has been recorded.


I have forwarded the information to the local Indonesian police, all the way up to thier top national organization.  I've informed InterPol who "might" follow up on it.  

I've also forwarded it to some contacts in other U.S. agencies...  though it is tough to say what they may or may not do with the info.  All depends on how bored they are.

All you have to do is say the person they are asking for is deceased.  That should put an end to it once and for all.

This same company, Federal Association of Unsecured Loans, called me several times over the past two weeks. This guy, saying that his name is Daniel Martinez, left me several voice mails to call him back. When I did, he said that I owed an undisclosed payday loan company 1249.49. When I asked him what company he couldnt tell me. Then he told me my last four digits of my SSN, my bank account info, and two of my friends' names that I used for references in the past. Then he goes on to tell me that I am being sued and they will mail the information to me and send court documents to my local police dept. I told him go ahead. By reading this website I learned that this is a scam. This is the number Daniel left for me to call him back: 714-598-4230.

When I answered the phone they immediately told me that they were from the FAA(which Im sure they dont even know what that is) and said that I had  taken out a payday loan in november 2008. They called me from 810676161. It was a man with a think indian accent and told me that there is a lawsuit against me and that I had to appear in court on monday. He also proceeded to call me a criminal and accusing me of money laundering. He read me an affidavit and told me that I needed my attorney to contact them ASAP. Immediately after they advised me to avoid court fees and pay the "fee" right away. They first wanted $1892 and then they wanted $898. These scammers are clearly not in AMERICA because they would have gotten caught a long time ago. They are calling from an international number and harassing people. I just turned 21 a few days ago and they have all my information includding SSN, Adress of college, My job at college, and my mothers name. I dont know if I should contact my school and tell them that this has happened to me? Any thoughs....