F*** off.

whose number it is

410-934-0003.  CKS Financial, LLC This company is a collection agency with a lot of bad policies. They also change their phone numbers, and also Spoof numbers on your caller ID. Real Low Life. Here's the lay of the land as they say, I work in the court system so I will go thru this for you .

First they are calling because they say they can not find you. This is Crap as the sheriff, will NEVER, EVER call you to tell you they are coming. They live to work on the element of surprise. Plus if your township, county etc, wants you, they already know where you are, so sit tight.

Second, and most important, NEVER CALL these low life bottom feeders back.  Because truth be known they don't care who they talk to as long as they can get money from someone. It doesn't even have to be the right person. If you call them back then they know that they have a real tangible working phone number that they can call to harass you all the time of day and night.  Just ignore the call, or better yet, tag them as a spam call in your phone, and you'll never even see them ring it.

Third, these people function and live on the *Fear factor* they will say anything,  tell you anything to get you to give them the money thru your checking account, debit card or credit card.  Many people get scammed this way. I've heard : coming to your workplace to arrest you, serving you in the morning if you don't call by a certain time, attaching your salary, etc, etc, this is all nothing but crap.

Fourth, in most states payday loans are ILLEGAL as they charge obnoxious interest, and states are trying desperately to control that.  Since I'm not sure of what state anyone is in, I cannot site them all here, but if you go to your states attorney general page, you should be able to look up the laws.

Fifth, I know it sounds nice to send them a letter or report them, but this is a futile. They have got this to a science.  With all that is going on in court system they know they have time on their side.  Not enough of these low life bottom feeders get caught and prosecuted, if they did...they wouldn't still be in business, but they are, thousands of them.

Lastly, anyone who posts that you are scum or a deadbeat PAY YOUR BILLS , OR OMG  they came to my place of work and arrested me, are full of crap and are just trying to SCARE you, SEE MY THIRD NOTE Above, Fear factor.

Best thing to do in this case, especially with these people is TO IGNORE. Eventually when no one engages with them they will go away to torment someone else.

Hope this helps you all out.

One who knows.

Hey debt collectors friend...did it ever occur to you that the debt collectors a lot of times are harassing the wrong people? I have zero debt, therefore the phone calls are not for me. Tell your friend/s to get a clue and make sure they verify the person they are calling.

410-934-0003, 225-308-2834
Both were the same style of msgs.  Both inferred problems if the call wasn't returned.  Having studied US code, UCC, private commerce/law for over 15 years, they have NO idea what kind of "tree" they are "barking" on.

suck your father's c*** bi***

I have people calling me, for a person with the same name, who used to live in my town, now they google the guy's name and my info comes up, and once you square it with one of these scum bags, they sell it to another, and it just goes on and on.  I not only get phone calls for this guy, I also receive his bills in the mail, to include his child support invoices, collection agencies, and even correspondence from the IRS.  However, its the phone calls that bother me the most, they call at all hours of the day and night.

I have found the answer to all these annoying calls, it's called the Call Blocker, and it works great. I was looking for the solution to these phone calls, for years, and this is the best solution I have found yet. I bought mine on ebay, and it works like a champ.  

Here is a link with the description for the Call Blocker.  
http://hqtelecom.com/phone-call-blocker-manual-803/

I don't know who is calling from 410-934-0003 or any of the other numbers they call from but  sick of it. The last call the person said he/she was Dan Cox. They make it sound like a legal matter so why can't the send me something on writing. I don't know if I should report it or not since it is a recording but I am on the no call list

Here's two more numbers they use, from all different states: 571-482-4734, 757-296-0106,

Collection agency

CKS Financial, LLC
505 Independence Parkway, 300
Chesapeake, VA  23320
Phone: 757-271-2746
Fax: 757-361-0018
Contact: John Sanders, EVP
E-mail: jsanders@cksfin.com
Web Site: http://www.cksfin.com

They are owned by a technology company so they utilize that technology to never use the same number twice.   Below are some of the numbers they use.

801-206-9144
919-648-0504
612-424-5637
954-376-3692
612-326-9850
262-223-3614
615-625-2884
804-461-3394
913-730-5721
410-934-0003
360-200-7749
505-407-4481

It's all BS...send me a registered letter with your company name, address, phone  number if I owe a debt to anyone.

DO YOU USE A LOT OF NON-PRESCRIPTION MEDICATIONS? PERHAPS YOU ENJOY BEING CONSTANTLY HARRASSED BY A****S THAT DON'T EVEN HAVE THE RIGHT CONTACT INFORMATION ON THE DEBIT THEIR ATTEMPTING TO COLLECT! MAYBE YOUR INTO S-N-M? DO YOU ENJOY BEING YELLED AT FOR BEING A "JOSHUA GOODMAN" WHEN YOU DON'T EVEN KNOW ANYONE BY THAT NAME BUT, DANNY CO_KS, MS. WINTER, LESLIE WOODS, ASHLEY BUTLER AND COUNTLESS OTHER ARE DAMN SURE THAT THE PHONE NUMBER YOU'VE HAD FOR 15 YEARS HAS SOMEHOW MAGICALLY APPEARED ON THEIR DESK, WHICH OF COURSE GIVES THEM EVERY RIGHT TO SCREAM, DISRESPECT, CALL YOU NAMES I, AS A CHRISTIAN WOULDN'T CALL A STRANGER.... A NO I DON'T THINK SO YOU COMPLETE MORON! DESPERATE PEOPLE TAKE THESE TYPE OF POSITIONS BECAUSE THEY NEED TO FEEL POWERFUL - YET THEY ARE SO SO VERY SMALL.  ANYONE WANT TO MEET ME FACE-TO-FACE TO DISCUSS MY FICA SCORE OF 824?  MY 6'4" BEHIND WILL GLADLY SPEAK WITH THEM.  OTHERWISE - GET A LIFE, STOP PICKING ON OTHERS AND BE PREPARED FOR THE DAY, AND IT WILL COME - FAST, THAT YOU MEET THAT ONE CALLER YOU PUSHED JUUUUST A BIT TOO FAR!  GOOD LUCK WITH GOD TO MAN CUZ HE IS NOT DOWN WITH YOUR BEHAVIOR EITHER...... JUST A HEADS UP!

Over 450,000 people in this country are debt collectors. They are normal people. Why avoid a debt collector? Most people that owe a debt want to pay it in a manner they can afford. If you cannot agree on terms or you do not want to pay for any other reason, it does no good to avoid contact. The collector has no idea what your situation is until you tell them and you may be surprised with what they are willing to do to HELP you. If you tell a debt collector you will not or cannot pay, they usually will not want to waste their time calling you and look for other options instead. Debt collectors are normal people despite the inflated reputation the media has given them from abusive practices by a few bad apples. I would hate to judge every athlete by the actions of one cheater, or every teacher by the one who had illegal relations with a student

Its a debt collector and if you get a representative by the name of Eric Pawl, he is an inconsiderate bi*** who put his nose in places where it doesn't need to be.