they have to send you proof of the debt see below.  DO NOT give your credit card info to these people.  Monica Johnson of Risk Management (the website is check enforcement) kept bugging me.. I finally sent her the below and she has stopped.  both websites are down, this is a SCAM to prey on people .. they tried to send me some made up one sheet about me owing $510.  if this was real you would get a real bill in the mail with all of the legal information contained in it as mentioned below.. they are SCAMMERS

§ 805.  Communication in connection with debt collection   [15 USC 1692c]


(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.

§ 809.  Validation of debts   [15 USC 1692g]


(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --


(1) the amount of the debt;


(2) the name of the creditor to whom the debt is owed;


(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;


(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and


(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.


(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.


(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Everybody thats on here saying its not a scam is the same people that is calling your house harassing u I dont need this I have a father that is sick and dont need to be worrying about some fraud mess like this calling his house for me and three kids that I cant get school supplies for but u best to believe u mess with my kids getting what they need im taking the full force to see who u scammers are action speak louder tha words promises are to be broken but not on this how do a three hundred dollar loan equals to six forty to pay back I paid two hundred and he said if I dont call by the end of the month he giing to use it as court fees well I guess we will see each other in court sooner than u think phones are smarter than people these days thats y it is called smart phone I got one and I got u scammer its not a joke its the truth u gave me the wrong account number and the right routing number but just like u pulled over on me its my turn to pull the truth on u I want my money back and im going to get it by the way the calling out of
NY he told me it wasnt a scam cause I started asking questions so be ware people u notice change if attitude its a scam ho wtheyy going to call trying to help u but soon as u start asking questions they are against u
Scammers dont go for long without being caught like a theif without a mask on a camera

Hysterical!

This f****ng guy is a scum bag a***ole! They ain't getting any money from me nor my family with his fake a** threats of putting someone in jail. What bill collector screams at potential clients saying you don't pay ur debt we going to put you in jail. Really? You calling everybody & their mothers to collect a 6 plus yr old debt but yelling I gotta pay in 2days or I will be served with papers. I asked for proof of mailing documents to my house, proof of the outstanding bill & he didnt have an answer to my questions. When you call this number they answer by saying collections, I called the number 3times & all 3times they had a different collection agency name. Don't believe these scum bag a***oles that want other peoples money because they are f****ng losers that can't earn it the right way so they rather steal from others. F*** off Butterfield A***ole!

Good for you  BUT, tell me why you felt compelled to visit this site after you've taken care of your so-called debt?  Don't Know that's because you're a liar and a shill

First off you should have requested proof in writing and if you didn't then my BEST guess is you are a SHILL or you're very very stupid!

http://www.thezerodebtstrategy.com/home.html

Th information at the bottom of the link includes the most recent phone numbers Robert Wells is using. The only way to stop him, is to complain formally to the federal trade commission. Google payday loan scams and you will find all the links you need. He is not licensed to practice any type of business. He changes the name of his website periodically and works out of his home. The information provided By Travis is correct as well except that this is the new business name he is using. The address mentioned in the link above is a dirt field which further supports that he is not doing business legally. Anyone can buy old debt information and pretend to be a collector. This person needs to be stopped.

@Sheila - If you're gonna make a fake post at least try to make it believable.... Who in thier right mind would be "thankful" to be harassed by scumbag bill collectors!?!?

More info on these scam-artist a***oles, call and complain on them today!!

Registrant:
     COMMERCIAL MEDIATION SERVICES INC
     ROBERT WELLS
     1779 WELLS BRANCH PKWY SUITE 110B-297
     AUSTIN, TX                                                 78728
     US
     Phone: +1.8005715814
     Email: rjwells007@gmail.com


  Domain Name: thezerodebtstrategy.com

  Administrative Contact:
     COMMERCIAL MEDIATION SERVICES INC
     ROBERT WELLS
     1779 WELLS BRANCH PKWY SUITE 110B-297
     AUSTIN, TX                                                 78728
     US
     Phone: +1.8005715814
     Email: rjwells007@gmail.com

This company is DEFINITITELY a scam, thier latest trick is to call from a blocked number claiming to be from a law firm.  They say that there was an alleged check fraud and "theft of goods" to try to scare you into giving them money, they refer to a bogus US docket number that doesn't exist, and then they say that they are going to send marshalls to your job to arrest you.  DO NOT GIVE THIS COMPANY ANY MONEY!!!  I called the number that they left (888.777.7564) and the fake name on the voicemail is Chris Butterfield.   Contact your state's attorney, the FTC http://www.ftc.gov/ftc/contact.shtm and the Better Business Bureau at  http://www.bbb.org/stlouis/business-reviews/c ... 4173/complaints.

These dirtbags have got to be stopped once and for all!!

This allege law firm continues to call my home phone number to harass me about a matter they don't want to provide information on.  They state they are from the state of MO with a US docket number from the state of AL.  When the US Docket was checked for this number was checked on-line it did not exist.  They do not provide case name (valid case number) any details on how someone out of state would be involved with states they have never resided in or done business in and, if the on-line scam web information is true, I have never even taken out a payday loan.

They call in very threateneing and harassing tones and obviously don't realize there are anti-harassment laws in the state of CA where I do reside.  I see they have 3 numbers and a website - why isn't this type of organization investigated and prosecuted.

the legal name of this person is robert jay wells. he doesnt have a business license nor legitimate reason to be operating. Any business by him, commerical medition or other alias should be reported to your state attorney general's office and law enforcement. He moves around from Missouri to Texas and has ties in Florida. I will update this to help all of you get the justice you deserve.

sheila is a lying scammer shill.

No message was left.

Hi I got a phone call from this number they stated that I owed 510 for a payday loan...I do remember the debt , I got the loan and then lost my job so I couldn't pay it ... I really didn't know what to do about it . Tiffany did call me she was very helpful I got a settlement on the account and borrowed the money from my dad and mom.. this company is not a scam after I paid I got my letter stating that it was paid. The payment did come up under rothstein and Klein but as a trustee ... they did have all my info ss# and address and my references that I had used... u know weather u take out a loan or not .. people don't just forget those things and u also know weather or not that u paid it.... in addition to all of this I also made some payments to the actual payday loan company and when I told tiffany this she avised me that this was a interest only payment .. I found the number of the actual creditor and did some research and that is exactly what it was .. and on another note when I called the original creditor they did asvise me that the debt has been placed with this company for collections because they attempted to collect on It by sending me an email with no success....so once again I was very thankful that I was contacted by this company to get this cleared up I do like to pay for the things that I know I do that is in the wrong...so don't mistake this company to be a scam ...u know if u took out the loan just pay it... they will work with ur situation that u are in..... thank u

Our law firm has received calls from this service claiming our clients have committed fraud.  They are unwilling to send any paperwork confirming the debts and they threaten criminal law suits but do not actually file them.  Please look at the links to the FBI website http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 and the FTC http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf .

If you give money to strangers who call and abuse you without validating the debt, then you may have given money to a scammer. Legit collectors, per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf , *must* send you paperwork stating :
1. amount and the name of the current creditor (which may differ from the original creditor who might have sold your debt),
2. that debt will be assumed to be valid unless you dispute in writing within 30 days,
3. that if you do dispute in writing, the collector must mail you written verification of the debt,
4. that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the paperwork (you do not have to ask for it, the FDCPA requires the collector to send it), treat the collector like you would any SCAMMER.

i fell for this..  after speaking with a tiffany lewis.. i did a prepaid card for  $100.00.  I think i was scammed.  did they stop calling you..  what did you do..  have you received any paperwork from them.  this lady claims she cannot send me copies of any information stating this paperwork is considered exhibits .. what do i do

No i spoke with this lady tiffany lewis..  she had my social  number.. i believed her and sent her $100.00.  did i get scammed..  she called my parents and harassed them, making my mom come to tears and upsetting them both.
when i did speak with her  i told her.. do not call my parents any more, you have severly upset them and that is unacceptable".  she said sorry..  then proceeded to get me to pay $100.00.
what should i do

she stating she can't send me any documentaion until this is paid off.

JIM and sue are lying scammer shills.

JIM is a lying scammer shill.

THIS IS A SCAM. JIM is a lying scammer shill. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

Wait isn't your name JIM?

Useless sscamming shill!!!

I also agree..  this company had all my information and the woman i spoke with Tiffany was very helpful and worked with me.  I appreciate her calling me and working this out with me.  this company is not a scam.

All claims being made against this company is a LIE they are not scam's i owed a debt the new exactly what it was had all my information and I took care of this matter. I thought i was a scam too but found it not to be.,

Additionally, they claimed I would face 2 years in the penitentiary and thousands of dollars in fines.  They use excellent strategies to scare you to death.

Was called by this company in late December.  Claimed they were "Consumer Mediation Services" and I was being prosecuted for check fraud because I didn't make timely payments on a payday loan.  They also called friends of mine and alleged I would be receiving a "summons" to appear in court.  The lady I spoke with, Monica Johnson, claimed to be a "mediator" and was initially rude and condescending.  She became much more sympathetic when I offered to pay $525.  I became suspicious when the amount was deducted from my bank account as "Robert Wells." Monica explained he was my "trustee." I then called the St. Louis and Bridgeton city clerks office and found that no business under that name operated in their area.  I questioned them and they identified themselves as "Commercial Mediation Services" and "Rothstein & Klein."  I'd advise that you don't fall prey to their intimidation tactics.