IM BEING TERROIZED BY A MAN WHO UNLOCKED TWO TMOBILE PHONES AND HAS SERVICE WHERE THERE IS WIFI.

408-940-0285 A rely voice service? Posted an ad on craigslist to sell something, then this number calls me and asks all kinds of information from a Charles McCrary in Winter Prk FL

i get calls from these dumb f****rs all the time. if i dont have anything to do ill play with them until they get frustrated and hang up then ill keep calling them back and they get frustrated and tell me dont call the number back and they block me. the first time i got a call i was half sleep and was pissed but now since i get calls 9-10 times a day i just mess with them all the time until im blocked or they curse me out for keep calling them back. Have fun

Same company, claim to be attorneys, said I took a payday loan 9/8/08, I didnt, can prove w/my bank statements, they didnt want to hear this or allow me to fax proof. Said they're going to fax charges to my employer tomorrow along with a letter of termination (right!) and for me to be in court Monday with my 2 references (last payday loan was in 2005 until a small one Jan this year but that one is all clear and you can believe I'll never do another one...they have all of my personal info, dl#,ss#, bank acct # so I have to get alot of things changed now. They of course offered me a settlement if I send a letter of apology. I guess now they want my signature but they're not getting it. Dont let them scare you into paying for something you don't owe. I have reported them to the Federal Trade Commission and am reporting them to my attorney general and the California Atty Gen since they say that's where they are, I also contacted Clark Howard, that ought to get em!

Harrasing calls about being sued and wanting an attorney's name and phone number.

Calls from a real debt collector are scary enough; these calls are from abusive thugs armed with enough personal data to make them seem legit. Don't be fooled.

[Related content: banking, financial privacy, payday loans, debt reduction, bills]
By MSN Money staff and wire reports
Con artists armed with Social Security numbers, bank account information and other sensitive personal data are threatening consumers with arrest, the Better Business Bureau warns.

The callers claim to be lawyers with the "Financial Accountability Association" or the "Federal Legislation of Unsecured Loans," trying to collect on defaulted payday loans, the BBB says. The callers demand immediate payments of as much as $1,000, by wire or by credit or debit cards, to head off lawsuits before they go to court. In some cases, victims have received dozens of calls in an afternoon.

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"Because the scammers have so much information about potential victims, BBB is concerned that this may be the result of a data breach," says Steve Cox, a BBB spokesman. "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."

Many of the intended victims had visited online payday loan sites. The scammers often have a victim's Social Security number, old bank account numbers or driver's license numbers, as well as home addresses, employer information and even the names of friends and professional references, the BBB says.

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A poster on 800notes.com describes the experience:

"Got a message on my cell phone asking to speak to my husband stating not to disregard this message and (may) God help us if he did not call back for whatever may unfold upon you. A few months back I visited a payday online site and filled it out, but decided against it because of the fees. I answer the phone the next time I see the number and tell them my husband is not home so they speak to me and tell me my husband will be charged with loan fraud, they will call his job and he will probably lose the job, etc.

"So I ask them, has a letter been sent to our address about this matter? No they say it has been e-mailed. I tell them that I will go to my bank tomorrow to research this issue and to see if any money has ever been deposited without my knowledge because I feel like this is a scam, and he tells me if you do that I will download your case right now. I said good bye. This is such a scam but what scared me is that had the last four digits of my husband's Social Security number and the name of my mother and sister-in-law due to the filling out of the application."

Video on MSN Money
Defending against debt collectors

It's against the law for a debt collector to harass you. Know what your rights are and how to exercise them.
What to do if you're called
The Fair Debt Collection Practices Act, among other things, prohibits collectors from making threats, harassment or misleading statements, or contacting third parties such as family members.

The BBB offers the following advice to consumers if they receive suspicious telephone calls about outstanding debts:

Ask debt collectors to provide documentation that substantiates the debts. Every collector must send a written validation notice within five days of contacting someone, including the name of the creditor and how to proceed.

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.

File a complaint with the Federal Trade Commission online if a caller is abusive, uses threats or otherwise violates federal telemarketing laws.

File a complaint with the BBB online if you believe a debt collector is trying to scam you.

According to complaints online, phone numbers that the scammers are calling from include 949-468-5107, 415-200-0274, 213-784-5745, 408-715-1614 and many others.

I got the exact same calls from 2099122107   They claimed I had a direct deposit for a loan in my account in 2009. I didn' even have this account then. They claimed I was being charged with fraud and default and I should get an attorney because I was facing criminal charges. He couldn't give me details just that I will recieve paperwork in the mail by 6/3/11 and I need to appear in the state of california for court on 6/6/11 or they will issue a warrant for my arrest, I live in MO. He gave me a case number is there any way to look this up and see if this is true?

Ghosts??????????????????????????

I honestly think your one of them I have seen your post on a couple of things why dont you go get a real job and try to go scare someone else.

How are you going to help I did alot of research on this company and they are ghosts.

rox murphy is an indian scamer dont pay any money...THEY R FAKE..

SIX TIMES I HAVE RECEIVED THE EXACT SAME CALLS!  Todya - I got the exact same call from phone number 760-514-0170  - stating that he is "Sr Officer Nash Brown"  (very very heavy Indian accent), from the Federal Legislation of Unsecured Loans - and that I am being indicted for bank fraud, criminal investigation, etc.  I filed a police report today, and they gave me a website that we all need to go to to file  charges against these scammers - website is www.FTC.gov/moneymatters  (This is the Federal Trade Commission - address is as follows:  Department of Financial Services, FTC Correspdonce Branch, Washington DC 20580   - I

Hi i dont know if anyone still checks this bored or not, but i would love to help everyone here out especialy becuase these guys have royaly pissed me off now bothering my wife with this none sence,
It is Federal Law that any telemarketer (Cold Calls, Warm Calls, Buissness to Buissness, calling your home, your cell phone, collections,) It doesnt matter. Any telemarketer who calls and you say remove me from your calling list, or do not call me again, or any to the such, is legally bound to put you on there companys blacklist, heres the catch, if you didn't catch the name of the telemarketer and the company and they know this, they wont blacklist you becuase you have no proof that you told them in the first place, (When taken to court for this perticular offence it is a $25,000.00 dollare lawsuit) so when these people call you, be sure to get there first and last name (which again they have to give to you) and the company they work for, if they ever call again. Call your aturny or threaten to, you will never here from them again i can garentee that. How do i know? Well I was a Sales rep (Telemarketer) for a company that called real estate agents, at home at the office even on there cell phones, becuase it turns out that when you put ur cell number on your buisness website it then becomes a sell phone. to anyone this helps i hope you use the info well
Kyle

I received a call from a man named James with a heavy accent also, the number on the ID was 11111 they called me 10 times in the span of 5 mins.When I decided to finally answer he told me that I couldnt speak till he was done, he stated that he was with the Federal Legislation of Unsecured Loans and I was being sued for $ 686, money laundering, and grand theft. I asked for proof in writing and of course was denied, I dont think ive ever felt as bullied and threatened as I did on the phone with "James". Finally after demanding I give him my bank account info I hung up on him. He then called back and stated that the police were gonna drag me out of my house and throw me in front of a judge and that I was gonna be publically humilated. After reading multiple stories about these people im glad that I didnt give him my information.

Ok so these people are HORRIBLE my ex husband and i did get into a finiacial situation where we did have a few pay day loans out but i thought they all were payed off and when these people called i was scared outta my mind. I really thought i was going to court. but i promised to pay them half of what i owed that day and the other half before the month was out.  so i GAVE them my cc info(dumb but i was scared) so they told me that i had to fax them a paper say that "i did not mean to run off with the money"(word for word). well after i hung up i was going to fedex to fax this piece of paper to them, i did a little research, and figured out it was a scam (i know DUH right) i immediatly cancelled my cc and called the FBI then when the federal legislation of unsecured loans called me back and i told them that i called the fbi and that they were not getting any of my money they called me a bi*** and hung up. They stillcall me every now and then and they drive me nuts i have call the local authorities but they say they cant do anything. They have even started calling my husband i have now. will they ever stop?

After we figured out this was a scam, ANDY HUNT called again, my mother hung up on him.  He called back and asked "Did you just hang up on my face?"  Mom said, "Yep, get ready here it comes again!"

i think all of you need to get together and go in to sue the company all together for millions of dollars and teach this company a lesson they w`ill never forget ... if you need help , reply to me and ill see w`hat i can do to help...

When we got bombared with calls it was because they DID call our references that we listed on our loan application several years ago.  We had since moved and since they didn'thave our current number, they called our references and threatened them with court and arrest if they didn't tell them where we were.  They prbably will call your references if they don't get what they want from you so you may want to get int ouch with your references to let them know what is going on and that it is a scam.

The phone number doesn't have enough digits because most caller IDs won't show as many as needed.  These calls are being routed from out of the country and there are 2 extra digits for the country code, then area code, and then the number.  A caller ID can't handle it all so they remove one extra number so that you know it isn't the whole thing.

They are calling me too first time they called using the Federal State as a Company. I did the whole fax thing but my bank was smart and didn't process the amount of 420.00. Then I found out it was a fraud. Now they are calling again luck me now they are claiming to be Us Cash Advance or United they can't even keep up with their own lie. They are calling me from 717-406-3871 using names of Officer Ben Davis or David Cooper of Law Enforcement. They want me to send them western union cash to Dorian Taylor; District Heights of Maryland. I am just want to led them on to get more information.

the phone number I got was 424-354 9242 but yesterday he called and the nine digit number of 81067616 appeared on the caller id

I got a call from a man named dean jones claiming to be the senior attorney of the federal leglislation assoc of unsecured loans. stating that my daughter took out a loan in march of 09 I had asked if he could send me a copy of the loan as I had my bank statements and saw nothing. he was rude got very agressive and kept adding the amount higher everytime I talked to him . He had us terrified I too have file a complaint with my local police dept. and I am going to file complaints with the FTC and the BBB tomorrow

at the end of his conversation he said good luck to my daughter and that my daughters fate was in my hands.

THIS IS A SCAM SOMEONE NEEDS TO PUT AN END TO THIS

I received a call from an officer steve williams

this man claims to want to supeona my daughter who he after but was very rude and nasty and spoke with a very heavy accent of somekind
THIS IS A SCAM told my daughter she would never work again

these people need to be STOPPED

I too received a call from a dean jones who said he worked for the federal leglislation of unsecured loans but he called from califonia I tried to file a complaint with the bbb and the ftc but I am not sure how to do it
he said I needed to send 745.35 on a pre paid master or visa card or there would belegal action take

Just a little bit of advice to note:
No one takes your threats seriously when you misspell words and use incorrect grammar and sentence structure.
Go and practice your knowledge of the English language some more before you attempt to post more scare tactics, okay!

Right on, Lamet! Anyone who reads the post can clearly see that the wording is incoherent and doesn't make any sense. It sounds exactly like something those non english speaking dumb***es would say.

I HAVE BEEN GETTING THESE CALLS FROM THE SAME PEOPLE THE ONLY THING IS THE NUMBER IS DIFFERENT IT IS 415-578-3873 AND I DID RECEIVE CALLS FROM THEM IN JUNE AND THE NUMBER WAS 408-715-1629. THEY KEEP CLLING MY JOB TELLING ME TO GET A LAWYER AND THEY HAVE ALL THE INFORMATION AND THEY GAVE ME A COMPANY NAME AND I CAN'T FIND THAT COMPANY ANYWHERE ON THE INTERNET. I HAVE WROTE DOWN WHO CALLS WHEN THEY CALL WHAT WE TALKED ABOUT AND THE TIME. I HAD A FRAUD ALERT PUT ON MY CREDIT REPORT AND I ALSO CALLED THE FBI ( 412-432-4000) IF MORE PEOPLE CALL MAYBE THEY WILL DO SOMETHING TO FIND THESE PEOPLE AND STOP THEM FROM CALLING US.

Fake Debt Collectors and Collection Tactics

If consumers did not have enough to worry about having to deal with rising credit card interest rates, late fees and over-limit fees, zombie debt, and fervent bill collectors, now we have to worry about collectors calling about fake debt.

While many legitimate collection agencies follow the FDCPA, there are some collectors out there that are only running a scam operation and will be quick to use threats and scare tactics to get you to pay up quick. Their scams turn up in mailboxes, on the internet and through the telephone every day. Some collectors pose as national banks, government agencies (FBI, CIA), or even popular celebrity stars to gain personal information. These phony collectors may threaten to repossess your house, issue a warrant for your arrest, or even garnish your pay check, all of which are against the FDCPA rules. Some of which are even laughable (for example, there is no debtor?s prison in the United States).

Fake debt scammers rely on the fear and lack of knowledge about debt collection laws within the population. They also figure that a certain percentage of their calls will be received by individuals who may be carrying debt on credit cards anyway and may be susceptible to intimidation. When collectors use misleading statements and fail to provide identification, they are breaking the law. Never pay money to a possible thief. Keep cool when you hear from collectors to avoid this collection abuse.

Many times, people who took out payday loans online in the past are most susceptible. If you took a payday loan, be aware scammers may have access to your Social Security number and other personal information, and keep your guard up against such tactics.

Ironically, real "deadbeats" probably wouldn't fall for these scammers, since they have no intention of repaying their creditors anyway. But upright citizens may doubt themselves, thinking they've forgotten to pay a bill. Many times, the sums involved tend to be fairly small, so some people may be tempted to just pay the "bill" and "get it over with."

Ways to Protect Yourself Against Debt Collection Scams

Review your credit report frequently to find inaccuracies.
Be aware of your current creditors and how much you owe.
Ask creditors for identification before you provide any information over the telephone.
Reporting Fake Debt Collectors

If you ever receive a call from anyone identifying himself as a debt collector, the law requires that the debt collector provide you with identification, and that the debt collector refrain from making misleading and threatening statements.

You can report any problems you have to your state Attorney General?s office www.naag.org and the Federal Trade Commission www.ftc.gov. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

http://www.internetautoguide.com/credit-cente ... on-tactics.html

A person with a heavy Indian accent left messages on my cell and work numbers indicating that I was in trouble for check fraud and theft by deception. I called them back and asked them to send me information in writing and they refused. They indicated they were going to contact my employer and I could go to jail. The number they left for me to call was 559 869 4164 and the names they used were San Jones, Attorney Francis and Max Clinton.