Some guy called did not leave his name, stated that I needed to call me back. These are the same people that have been calling and threatening me for months. This is really getting out of hand.

They called and harrassed me saying I owed money and was committing fraud and that I had better called back. I am worried they may try to hack into my information. I advise everyone to alert the credit bureaus and anybody else they can

This person 'Walter Davis' although seriously doubting that is his real name, called my cell phone telling me that I would be dragged away tomorrow by 11 when my case was 'downloaded' if i didn't give him my last 4 digits of my social security number and email. I asked for his name again and number and where exactly was his 'law office' of LLC Law. Caller ID showed the number as 810678616, he gave the number of 3152949471, after an awkward pause he tried to give a NYC address for his firm, mispronounced the street name. At this point I had 'Googled' his numbers and see that this is yet another fraud attempt, so I informed him to send whomever to 'drag me away' that would be fine, I was not giving him any information and I was hanging up, Good-bye. :)

Have been getting calls since last December...they have called and called and called.  I scream at the guy when he calls and tell him that I am aware that this is a scam, and he doesn't call for a few months.  Also, He has used the names John Smith, Alex Martin and a couple others

They called me 2 days ago saying that a was committing fraud and better called back...
I never did because it is probably a scam, What did i commit fraud for???????

I have received a call from this gentleman as well at my work and he became nasty and then hung up

I got the same call today.  How can we stop this?  They called me on my job that is not good.

Got a call from this number from a guy named Paris Victor. He left a message on my cell and called my job. He has a middle eastern descent and called with threatening conversation. I looked up this number and this is another fraud attempt.

I got this same call today. This is a scam!!! The Company Cash Partners Does not even exist or have a website to even apply to get a loan. What happens is if you have applied for  a pay day loan, even if you didn't get approved, these guys(foreigners) have hacked into the websites and your and my personal information, well some of it anyway. Do Not Send Them Any Money if they call you!!!!

Caller from the Middle East, lots of static, claims his name is, Alex Martin,from LLC Law Office.  He said it was his "final warning to me before they come to my home or place of business and take legal action". He did not provide any further information as to why he was calling; however, this frightens me. No one, especially a bill collector should be visiting my home or place of employment. I don't believe they have the right too in the state of California.

Because they have called my place of employment 2 or 3 times in the past 3 months, I will have to have my employer speak to them and tell them not to call my workplace. This is not good. There has to be something that can be done about this. I have never received an invoice in the mail from said company and they do not indicate what the collection is in reference to.

Two months ago when they called, they actually paused a couple of times laughing amongst each other while threatening me. It sounds as if they were in some large call center.

Walter Davis....a very foreign man, continues to call me from 360-717-2599 which when I did a reverse look-up is a Washington state phone number. After a long argument with this man I began demanding his address, name, supervisors name, and company name. He resisted greatly, but finally gave me 10 Alburn Street, New York as the address.
The phone line he was calling from was a land line....in Washington State....wtf?

After looking up 'Walter Davis LLC scam' in google, I came upon this.

Deciding to dig deeper I called this 315-294-9471 number. Goes directly to the same person. Answers to the the name of Walter Davis.

This people is a scam if ever there was one.

I to have been getting the same calls. I would like to know how to make these calls stop? If any one have any idea PLEASE PLEASE let me know.

Received a phone call from 315-294-9471 threatening me.  Told me I better call back.  Middle eastern accent guys calling.

I got a call from "JACK MARTIN."  He had a VERY thick Indian accent, and tried to sound all forceful and bossy.  He could barely pronounce my name correctly, much less his "name."  I get calls from these people all the time.  It's the same scripted message over & over, ending in "good luck" sometimes with "May God bless you!"  pffffft....  Get this:  I ACTUALLY GOT AN ATTORNEY TO DEAL WITH THESE PEOPLE.  They attempted numerous times to get these people to provide documentation and whatnot.  I was prepared to pay.  If it is a valid debt, I will pay it.  (My attorney was one of those debt consolidation companies--and I got good results, but it did cost me.)  In the end, they advised me NOT to pay these people.  They were not very forthcoming with anything, and they felt that they had a fraudulent claim.  heh!

These company, LLC LAW, is a scam, they've been calling my phone and my work phone saying that I owe $1095 to Advance America Cash Advance, from a payloan that Itook on November 2008. They told me that if I don't pay, they are going to come to my job and arrest me. I've beign sued from AACA for 3 criminal charges for not paying my loan. They speak with a very heavy middle eastern accent and they are very harrasing people. I called AACA and they told me that I don't have any loam pending with them and they are going to report it to the proper agencies.

I have had calls recently from these clowns.  One called and said she was Carol Smith and I need to contact them right away for a urgent matter. Another one called his name was Paul Smith said same thing and said if I didn't call him back at 996-336-4115 in 10 mins. I would be picked up the next day by my local police department that's been 2 days ago and I'm still here.  Also same guy calle and said his name was Sam Parker from American Legal Services and for me to call 315 - 294 - 9471. The same reason. Their number comes up as 0000 or a local number that they paid for on pre paid cards..  Don't let them have a dime of your money.  They are all Frauds.

I have received several phones from this company that with was extremely urgent that I or my attorney and do not disregard this message.  The caller said his name was Sam Parker, but had a very heavy foreign accent.

Caller by the name of Roger Davis left a vm msg stating me or my attorney needed to contact them on a time-sensitive matter. called back and was told i owed money for an online payday loan and was being sued for $5K plus dollars and was attempting to read me an affidavit of some sort. I told him I could not understand him and to put someone who spoke clear English on. He stated he would  call me at on his other line. He called back and I didn't bother to answer.

same thing as everyone else told me i was goin to jail  for a loan i never had .  i ve decided to sue them and reported them to the fbi ,  just because ur poor or rich or in between u dont have to sit back and let these scum of the earth  people screw with u .. FIGHT BACK  we didnt get to be the biggest  and most powerfull nation  be letting people boss u around

THIS NUMBER HAD CALLED ME AND HAS A HARRASSED ME AND MY FAMILY . tHE FIRST NAME WHO CALLED WAS ROBERT JONES AND THE SECOND TIME HE CALLED HE SAID HIS NAME WAS MACK PAUL. AND TRYING TO MAKE ME PAY $5,484.87 THAT I NEVER BORROWED FROM THE COMPANY WHICH IS CALLED A.A.C.A WHICH WAS FOR A LOAN FOR 1500.00 WHICH I WAS DENIED FROM. BECAUSE I DON,T MAKE ENOUGH MONEY. BUT THE ID NUMBER THAT THEY READ TO ME WAS NOT MINE I DON'T DRIVE AND I NEVER LIVED AT THIS ADDRESS UNTIL 2009 THIS FRAUD OCCURED IN SEPT 2008.AND I NEVER WORKED FOR THE COMPANY THAT THEY SAID I WORKED FOR.

I had the same call as Toya. This is crazy and they need to be stopped. I tried to call the number provided to me 315-294-9471 to speak to a Carol Smith and the number was disconnected. They threatned me and said that my job would be in danger and I would be arrested. I will be calling the FBI and reporting them. I spoke to a Carol and a Jason.

I had the same call as Toya. This is crazy and they need to be stopped. I tried to call the number provided to me 315-294-9471 to speak to a Carol Smith and the number was disconnected. They threatned me and said that my job would be in danger and I would be arrested. I will be calling the FBI and reporting them. I spoke to a Carol and a Jason.

Same company...LLC Law Offices

I have a similar group calling me and the caller was James Smith laughingly enough. The number they called me from was 1-315-494-9471. Scam all the way. Same message at the end. Good luck as the situation unfolds.

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

http://800notes.com/Phone.aspx/1-646-274-1143/3

the man that keeps calling me from 315-294-9471 speaks with a very heavy middle eastern accent and says his name is max green and he says that either i or my retained attorney need to call back immediately due to time sensitive material.  i have not called back and don't intend to. it is a fraud as i have not received anything written regarding this matter.

who is this that keeps harassing me???  i get calls from this number 5-8 times a day, and never answer them hoping they will just stop.  it is very aggravating!!!  make it go away

Woah!  I had the same experience as most of you.  I spoke with at least three different people who all had very thick middle eastern accents.  They too, threatened to have police come to my place of employment and take me to court.  They said I owed 5,000 dollars because of a little payday loan I took out a couple years ago.  It was only a 200$ loan and "with late fees" it added up to be 5,000 dollars.  Pffft.  He then stated that if I wanted to settle out of court I would need to pay 2,495 dollars.  I would need to fax him a copy of my drivers license, my card number and a statement saying I aggreed to pay him this amount.  They said they were a law firm, not a collection agency(I'm sure to try and sound scarier) and it was on behalf of the Bank of America.  So I promptly called the Bank of America and they could find absolutely no record of any accounts under my name-past or present.   What a crock!  I reported all 4 of the phone numbers to Identification Protection, and also called our local police and spoke with an officer about it.  What really gave it away, was when I asked for a name and he said, in his thick accent "James Smith!"

I received the same call at my place of work.  I could hear several people in the background repeating the same message that the caller was leaving on my voice mail.  I called back, from a phone that has the number blocked, and ask who they were. They told me AMG LLC and ask for my phone number.  They did not use my given name so I gave them the same name they used and ask what it was regarding.  They kept asking for the phone number and I kept saying you called me, therefore you can look me up using my name.  I repeated that twice and then they hung up.  I called back, same person answered and ask for my phone number.  I refused, they hung up. When I called back the third time someone else answered but I could hear the same man inthe background telling her to ask formy number.  I refused, repeated the same thing to her and she hung up.  I called back and received a message that the number was disconnected.

I have been receiving the same calls.Guy with middle eastern accent.He goes by the name of David Brown.He claimed that I needed to pay $5800 by credit card. Which I don't have. Told me that I had 10 minutes to call him back or he was going to ruin my name and have relatives that i have used in the past as a references and they will be pick up also. Called him back in 10 minutes and told him he needed to fax info so my parents can see proof of the debt. He told me he couldn't. Ask to speak with a supervisor he paused then can back to the phone pretending to be a supervisor. He is still calling my office I just hang up when i hear the accent. Call the company he claimed I owed and they have no record of me on file. Someone needs to put a stop to these people.

I was harrassed by the same company. Each one giving me an american name and obviously foriegn accents.They said they were taking me to court for a debt and wanted my card number and a letter stating that I authorize them to recieve monies from me.
Beware!!