Here is his number Todd Garner office (813) 419-3316 give him a call if everybody started calling their company I bet they would feel exactly the way we feel harrased by their scam.

These guys called me and said I owed them money from some payday loan? I go okay so what if I owed you money Todd he said well we can file a complaint? I responded back aren't you filing a complaint already? Todd Garner didn't know what to say.. And just hangs up! So instead of them calling me I kept calling them back and asking for Todd Garner I just accused him for being a fraud loan agent hahaha that guy thought he can scare me. If you been accused by this guy name Todd Garner Senior manager of this fraud debt agency from Washington DC give him a call and try a "reverse pshycolgy" tactic Todd Garner will just hang up and will never call you ever again..

These Indian people have called the phone 27 times from 9am-11am. Best part is.. last week they said the balance on a "loan" was $9000. But today the balance was $800. Lol worst scam.

My husband recieved the same thing a year ago don't worry

They called and said that I was going to be served papers from my sherriffs office in the morning and I'm going to be taken to jailafter 11 am. They said they will meet me at my work place but the funny thing is I haven't worked since 2009. I am disabled and they also said that I work for Mary's drycleaning are you searious I own my onw buisness wow and how is that when I have no income funny really. When I told them that I haven't worked in years and have no income they hung up on me. The number they called me from is 410-635-5119

My wife took the call from an woman named "Christina White" from a legal investigation dept. wanted me to return the call. She definitely sounded middle eastern and the number reverse look ups to a place in New Windsor, MD assuming that it isn't just pinging through an IP address.

I have been recieving call from the number above.  The man says he works for a law firm in Maryland called DRNC and his name is Sean Stiffler.  He says  defaulted on a loan and will be sued tomorrow in court of new mexico if i dont pay 100 today and 200 by friday to pay it off.  He said if i go to court it will cost me 6000 dollars and they will come to my work tomorrow with the sheriff and serve me with papers.
I know I have some outstanding bills but have been talking to real debt settlement companies to settle them.  Is this guy for real?  I dont want to be sued.

They haven't gone to lengths of calling me names yet but I did make it fully known that no law firm in America would call and hang up on someone. I also told them I was not from their state and they were full of b.s. I called them back several times before hopping online. I will in a few minutes file a complaint with F.T.C. and record every conversation with these callers from here on out. I do say, I kind of like harassing them back since they have been ringing both of my hooks off the line.

I been getting harassing phone calls from this Law Firm. I googled the law firm after the callers had hung up on me several times - which shows how unprofessional they are. No law firm pressing legal action against you hangs up on you. I asked them what country they were from and this made them IRATE. After googled the law firm and called their phone number I came up with this particular firm:

Baltimore, Maryland Office
100 Light Street
Baltimore, MD 21202
Phone: 410.685.1120
Fax: 410.547.0699
Email: info@ober.com

The company I just posted is a corp. firm that explained to me not to give these other people any information but try and abstract as much information as possible and to please call back with the information to where they want the money wired, any names, and any phone numbers I could get before they realized I was just abstracting information. She explained to me that they are well aware of the scam that is using their name and explained how this law firm did not not handle legal cases like the one from the # 1-410-635-5119 has been claiming. The lady thanked me for calling because they realize that several people are losing money to this scam and she wished more people would call and verify information with the actual Law Firm, Ober Kaler before sending any money to these people. Anyone who gets a phone call from this company who reads this post, threatening a lawsuit with police action within 24 hours, should call this actual law firm with as much information as they could receive before the caller hangs up on you. They are trying to collect information to give federal investigators to help stop this scam from impacting millions of American citizens.

This company calls claiming to be collecting money, from a small sum of money, to in my case- over $3000.00. The first few time they called, I told them that something had to be received in writing before they could legally file any suit against me. It's the law.
the next time they told me a warrant had been issued for my arrest, and if i paid 1130.00 right now, they would cancel the sheriff's dispatch to my location. They had a sheriffs department more than 3 hours away from my actual location- who would have no jurisdiction. They also had my "current location" as a home I haven't lived in for over two years, and currently someone else occupies it.
They recently called again, saying they were having me arrested for not paying over $3000 back for a payday loan. I told him I don't work, and couldn't have gotten a payday loan. So it wouldn't be possible to have that problem. Then I told him that payday loans dont' come in sums to that amount. He called me a bi*** and hung up.
They called last week from a local number, using a device to change your incoming call number. I answered and the man began screaming at me to pay him now, pay him now. I told him "this call is being recorded as part of a class action lawsuit against you and your business. Thank you for all of the information you have provided so far. May I ask you some questions?" He then screamed the word "c***" at me and hung up on me.
They called today and I ignored it, calling again only a few second later. I answered and was greeted the same way. I asked for information to call them back, and who to ask for, and that I would give myself the message.
Then I called the number back, and told them I needed to ask a few questions before I paid them any money- she asked who I was and I told her my name (fake name) and then asked 2 questions. She then asked "are you a lawyer?" and I responded, "yes ma'am I am" and she screamed "shut up bi***!" and hung up. Every time I've called back, they have picked up and then hung up on me. I really did file a police report, and have since filed two more. I look forward to messing with them some more!

I had a call this morning and his name was Robert Martin, I was like hello who are you and he continued to explain the whole lawsuit spew of info and then was like we are looking into the matter and blah blah I said click and hung up. How do you report the number to the FTC

I got the same type of call from a guy I could barely understand, saying that I didn't repay a loan I took out.  He said someone from the Sheriff's Dept. is coming to arrest me in 2 hours!!!!  I am freaking out because I have no idea what he's talking about!!!  I have the Sheriff's office on the other line but I'm on hold.  Looks like I'm not the only one this has happened to.  Gives me a little sigh of relief!!!

yes!

this person is a female of idian decent. states that she is from some law firm but speaks so fast that you can not understand her. when asked to repeat she wants my phone number,and social number(just the last four) when i refuse she just hangs up. if you call the number back you are automaticly rejected. but they can and do call you back

this number keeps calling my cell. i want it to stop leaves no message tells me nothing and the number can not be called back.

I keep get calls from this number 410-635-519, 508-720-9645, and then from a 760 number. Next time they call I will be recording them and then Im going to served them with papers and file a suit against them.

I had 2 voicemails left on my cell phone from what sounded like Todd Garder.  I called the number back and spoke to Jennifer Smith with Ober/Kellar law firm.  Mind you that both people had very strong accents that were very hard to understand.  I asked Jennifer to send me proof that I owed this money.  She told me she works for US Cash Advance and that I should have received an email.  I told her I never received email from her.  She asked how often I check my email and i told her about every couple of hours.  She said i was lying.  She started raising her voice and not letting me talk.  She told me that i would be going to jail and prettymuch the same things everyone is complaining about.  I asked her if she could tell me how much i owed and she said she wasnt collecting any money, but i would be picked up from work.  I kept asking for the company name and phone number to who i supposedly owed money to.  I told her i was recording the conversation and she told me to shut up and hung up on me.  I tried calling back several times and she keeps hanging up the phone.  I googled Ober/Kelar law firm and there is such a place in Maryland, but different phone numbers.  So they are now using this law firm's name.  Not sure what i need to do since they have my information.

I keep get calls from this number 410-635-519, 508-720-9645, and then from a 760 number.

Phantom Debt Collectors From India Harass Americans, Demand Money

By BRIAN ROSS (@brianross) , CINDY GALLI and MATTHEW MOSK (@mattmosk)
June 7, 2012

Hundreds of thousands of cash-strapped Americans have been targeted by abusive debt collectors operating out of overseas call centers suspected of links to organized crime in India, law enforcement officials told ABC News.

The calls are part of a massive scam, one that appears to target struggling Americans -- especially those who have gone online to apply for payday loans. Armed with personal information from those pilfered applications, the threatening callers, who claim to be debt collectors poised to initiate legal action, have managed to pry loose millions of dollars from their victims -- even when the victims never owed money in the first place.

"This is what we call a phantom debt collection scam," said Jon Leibowitz, the chairman of the Federal Trade Commission. "It's a very pernicious and innovative new fraud."

Working through call centers in India, the commission estimates that the criminals have dialed at least 2.5 million calls, persuading already cash-strapped victims to send them more than $5 million. Some have reported receiving dozens of calls per hour. They are victims like Cindy Gervais, of New Orleans, who went online for a quick loan when her husband's car was hit by a driver who didn't have insurance.

Even though she paid the loan off, the so-called "phantom" debt collectors with Indian accents began calling to say she still owed money.

He more or less told me that if I didn't pay, they were going to have someone on my doorstep to arrest me," she told ABC News. "And that they were going to contact my place of business, and tell them what kind of person I am."

At first, she said she resisted. Then the calls became more frequent, and started to ring on her cell phone, and at the grocery distribution company where she had worked for 27 years.

"I was more or less was in panic mode because he told me there would be someone before noon at my place of business to arrest me and take me to jail," she said tearfully. "So I agreed to pay him."

After receiving scores of complaints, investigators with the FTC said they began tracking the calls, and following the payments. They alleged the payments led them to a California company run by an Indian-American named Kirit Patel, and that such scams would not be possible without American front men.

"I would say that all roads of this scam, or many of the roads of this scam, lead back to Mr. Patel," said the FTC's Leibowitz.

ABC News tracked Patel for weeks, from the suburbs of San Francisco to Austin, Texas.

Patel refused to talk. But his lawyer, Mark Ellis, said he believes it is far too early to pass judgment on his client. Ellis, a Sacramento-based attorney, told ABC News that Patel was hired for a nominal fee to set up an American shell company, and had no idea what the call centers in India were doing.

"I can tell you, he was as snookered by the people in India as anybody," Ellis said. "He's a 69-year-old man who is nearing his retirement who thought all he had to do was set up some corporations and everything was on the up and up. He's completely dismayed that he has become the lightning rod of this entire problem."

A close friend of Patel's also defended him in a brief interview at his home, saying Patel was not trying to defraud anyone -- he was just an unwitting, bit player in a larger scheme.

"If Mr. Patel was just a cog in the wheel he seems to have been a pretty big cog," Leibowitz said. "It is clear that Patel was integrally involved with this scam."

Leibowitz points to thousands of pages of financial and phone records gathered by the FTC and filed as part of a civil case brought against him in the U.S. District Court in Sacramento last month. When FTC lawyers sought to freeze his assets and prevent his business from continuing to operate, Patel responded by invoking his rights against self-incrimination. His lawyer told ABC News he has had to be careful in how he responds to the allegations in civil court "because there is a potential criminal action," but that Patel maintains the allegations against him are false.

Federal investigators said the phantom debt collection operation that allegedly benefitted from Patel's assistance was one of several that all trace back to the same small town in Western India called Ahmedabad. Callers use technology to make it appear that the calls originate inside the U.S. Victims provided ABC News with recordings of dozens of the calls, and many of the thickly accented callers appear to be reading off a script.

"Subpoenas have been readied, and Monday morning you're going to be picked up from your home," one caller says on a victim's voicemail. "And you have children. Don't worry about your children. We have a childcare department to take care of the children."

"You will be behind bars for six months," said another caller. "And once you go behind bars, you will lose your job. Once you are behind the bars, you won't get a single drop of water."

William Peerce Howard, a Tampa attorney who represents victims of harassment from debt collectors, said it takes an especially twisted criminal to use threats and coercion to pry money from someone who is already struggling financially

"These guys really are the most visible villains in America today," he said. "They make a living scaring people."

Mark Merola, of Florida, said he just panicked when the caller told him he might be arrested at the deli where he works in a Florida retirement community.

"I was nervous. I didn't want to embarrass myself, my family," he said. He used his debit card to pay the collector $576.

Afterwards, he says he realized "how stupid I was."

"It just happened so fast," he said. "I got scared."

Leibowitz said he hopes with more attention, future potential targets of the scam will recognize red flags before they turn over any money.

If callers say they are from the police, consumers should know that law enforcement officers do not collect debt for private parties. If the caller is speaking with a thick Indian accent, but calls themselves by a names such as Officer Mike Johnson, that should be a tip off. And if they're calling 40 times in two hours, that's another red flag. "Legitimate debt collectors, legitimate pay day lenders don't do those sorts of things," he said.

Merola said he would like to see anyone involved in the scam prosecuted aggressively.

"There's no place in society for these people," he said.

http://abcnews.go.com/Blotter/phantom-debt-co ... 16512428&page=2

this number keeps calling............. so tired of it. I told JENNIFER that she was under investigation and her call was being traced!!!

Got 2 calls from these people. Can't understand sh&^ they are saying. The guy is really aggresive and said I would be arrestes on my job. I hope they call back. I really want to talk to this guy.
What a nightmare. There has got to be some way of stopping this.

Got a call this morning around 11:00am telling me i have involved in fraud. Try to say it was an attorney office. I just hung up the phone.  Can't understand a word they are saying.

I just got about 10 calls in a row from Todd Garner. When I called back I got a "supervisor" named Tim Wagner. Same speech as above.  When I called back again, Mr. Wagner was unavailable and then needed my "firm" answer today or in "20 minutes they would be filing a case against me." I asked the name of their firm and they indicated it was "Ober Kellar Law Offices" in Baltimore, MD.

yes I got the same call on Sept 10th I called them back and told them to stop calling me I have turned their number into my employer because I work for the State Gov and we are a secure environment, I have never taken any loan from them,  I also told them I have turned their number into the FTC, we need to ban together and see how we can stop this.

Unfortunately I got the same call too. Caller said she was Mrs. Green, Indian Descent. Firs to my cell, then my place of employment! I work with attorneys, so I knew right off the bat she was full of it, but nonetheless, to actually here her say the Sheriff was coming and to serve me and issue a warrant for my arrest/?? Good lawd. LOL. This is so not kool. If she calls again, I will let her know that her call is being recorded and that SHE IS UNDER LEGAL INVESTIGATION....

I was called today from this number the caller's name is Todd Garner and he stated that this was an issue about my social security number.  I asked what company was this and he would not answer me and would not tell me where he was located.  He stated that I had a cash advance which was not true.  He also stated I had a warrant out for my arrest.  But would not give me any more information and he hung up on me.  They then called my job and harrassed the secretary when she was taking a message for me.  I called back and a lady answered the phone said the name of the business is Despute Resolution Center and I asked again where was the center located and she hung up on me.  I called back and she hung up again.  I called back a third time and she hung up again.  This is a scam don't give them any information!!!!!  I am reporting it to the FBI and any other agency that will listen to me.

Marguerite

I receive calls from (410) 635-5119
MD, USA repeatedly and when I answer they don't say anything! On my voicemail they tell me my SSN is under investigation and for me or my attorney to contact them. And if they don't they say all they can do is wish me luck in this endeavor. It is the same man calling Everytime and he has a very thick east Indian accent. How do I make these stop????!

I receive alot call for that number also call in my work. Is really scare I lost my job also regarding a call.

si tired of these scam calls.................. i will file suit against them!!! lol probably could never locate them.

they call me two 10 time