My call came from a texas number 713-955-2030.  Same lady.  Tld me the companie figures that since I haven't paid this so called load since 2009 that they are just going to sue me instead.

Thanks for responding to some of my posts.  I thought I would check back one more time before disengaging but may continue to check back from time to time.  There really needs to be a way to comprehensively and legally shut these people down.

I was thinking of the following through the news:

1. Have clear cut laws that clearly define or are brought to the public's attention via CNN or some other national/international media outlet just when someone can and cannot claim to be pursuing you in court.

2. Just like # 1 above, clearly define check fraud and how this is different when under a PayDay loan scenario.

3.  Define the legal reach of an online payday lender and how they might differ from brick and mortar.  

4.  Automatically forgive all online payday loans.

This is just for starts!!

They have everyone's personal info, addresses, ssn's, relatives info, poe's from a skiptracing website called Accurint. All you need is someone's name & a possible state they've lived in & boom. Every reported ssn, address, phone #, relative (all their info), poe, vehicle/property owned, if BK's ever filed, attorney/court info, public/private records. Everything.

They are from NY. (they've had many different names)
They use the "values" $585, $681, $1245 & alot of times: $912; because they are random amounts; no one will usually question them. If a person complains: "I never took out a payday loan for $912!" They'll tell you that you obtained a loan for a specific amount (ex: $300) & it's been accruing interest, court costs, legal/collection fees, etc..)
Wage garnishment is the most common way to legally collect debt. Most people know this & don't want it happening to them, very effective tool.
BMG or Bahama Marketing Group are a corporate conglomerate that numerous Internet Payday Loan companies operate under. They are a legit company however some of their already-collected debt portfolios (i.e: customer info, ss#'s, addresses, ph#'s) get sold to shady people (Joseph C. Bella) for low amounts. They have your info & the knowledge that you did obtain a payday loan, that's all they need to fraudulently go after you.

Sincerely,

An Insider.

Did anyone get calls from a company called Goldberg Maxwell LLC ?? a collection/"legal" company trying to "collect" on old payday loans? "National Check Registry" is just their new name. They'll change it again in a few months if they haven't already. They change it when pages/reviews like these start to pop up complaining/exposing what they really are. The mastermind behind it all is Joseph C. Bella. Real piece of work, this guy. Google him & "Goldberg Maxwell LLC" all the same s***, different day. Don't believe anything they say. None of it's real.

Any ideas?  That is a good question.  Not sure if you read my other posts on this line but I definitely would like to see some sort of logical, orgainized, and coordinated effort to put an end to this nonsense.  

I have noticed the consistencies from National Check Registry that seem to make them a viable legal target to go after.

These consistancies to me consist of the following:

1. Same typical 585 #
2. They really do seem to be coming from New York.
3. The dollar values of $585, 680 something and $1245 are what they are constantly demanding.
4. The always threaten wage garnisment.

In my case, I was able to get an email confirmation from the State of California Attorney Generals Office stating in essence that "they would contact this company".  I have not received any follow ups from National Registry since (email from CA AG office sent to me in late November or early December).  However, I have now started receiving calls from BMG, Bahamas something or other.

The last paragraph above is the sobering part of this all.  That when the heat does get turned on them, they either metamorphis to different name or sell you file to someone else.  In my case, they probably sold my file to someone else given that as of your post, National Check Registry seems to be the name still in this ugly game.

We cannot really target one company only.  The company has to be legally targeted that seems to have some simblance of a brick and mortar establisment.  From there, legislation needs to be crafted in general speaking specifically to these collection tactics.   In that way, whether a company is legitmate or not, we would definitively know whether or not they are outside their legal bounds and what recourse (simply just being able to ignore them) we could take and not be in the dark as to whether or not we are in legal compliance.

I recieved a phone call this morning from a rude man named "investigator barlow" from "national check registry" since i have had scams attempted on me before i asked for the company full name, address, and phone number.... the man got irrate so i told him unless he spoke to me as.a professional should i was hanging up he called me a professional debtorand said i need to prove i don't owe this and he will atop calling i asked for a supervisor n he refused and hing up.  i called back, he answered and again attempted to ask for a supervisor and he said "no I'm issuing a warrant for your arrest" i said ok and bye. after research i learned that i had on fact paid my loan in 2009, so now i would love to sue these people....... any ideas??

Received several calls from this number and the male refused to identify the company for which he works. He says he is going to issue a citation for myself and named all of my sisters, stating that we were in an accident and he is collecting a debt. I don't believe there has ever been a time when we were EVER in a car all together, except when we were children. Most of them now live out of state! I am a debt collector, so I am very familiar with the process. I called this slime bucket of a person back 15 times (reverse harassment) until he couldn't take it anymore. He was so pissed, he hung up on ME. NO ONE, and I mean NO ONE has to take any kind of harassment, even if the debt is legitimate. A legal company will handle it through the court system.  I called again, but no one answered. The company machine says National Check Registry.

These types of scam messages are scary and are emotionally humiliating more than anything else.  

Here is the thing, whether or not you in fact owe a debt, they cannont threaten legal action against you on a phone call when attempting to contact you.

Technically now they have to respond to you in writing to the debt that they are claiming and give you 30 days to accept or refute the debt.  

In order to initiate a law suite, they would have had to go to the county court you reside in or possibly (and I am admintantly a little vauge on this) their county court to start the paper work.

Then you would receive paper work in the mail from court summoning you to appear.  Only have judgement is issued in their favor (if they even show for court) can they start wage garnishments against you.  

This is a scam.  Even if they are a legal entity, they have to go through the above procedures which they have not done.  I just filed a few days ago and recieved yesterday a corresponance via email from the State of California attorney general's office that they will call on behalf and note my file.  Not much but if enought accumlated complaints ocurr, then something could be done.

What was the name of the compay that called you?

Got a call today from a lady, treatening a lawsuit for an unpaid balance that supposently was not paid since 2007, i was not even in the country at that time. Person knew my name and all old and new addresses, said letters were sent and I have not responded to it and I will be sued if I don't pay all of it back. I asked for more information, she said she would e-mail it to me, and put me on hold for 10 minutes. I hung up and I am truly scared about all this. I have no unpaid balances and I do not understand what is going on here and how they have all of my information. Scary.

Sorry to keep blogging - Promise to not blog until I get new information on my ongoing dispute regarding the AG of CA response to AG and or until someone else blogs.

However, there are laws against threatening to garnish wages and either not carrying out the threat or impersonating a person with legal authority to garnish wages or threaten you with a lawsuite.

Remember that no one goes to jail in the United States for unpaid bills.  This is a civil matter.  However, be aware that there have been stories of people not showing up for their appointed court date regarding these matters causing that person to be in contempt of court.  That is where the horror stories of jail comes in.  The law could technically place you under arrest until bail is paid.  From a few blogs that I have read, bail ususally is set at the judgement dollar value of the court.  Just show up and there is no risk of jail.

With the exception of the above just mentioned, nobody cna put you in jail for unpaid bills and payday loans are not check fraud cases which of coarse is being insuated by these companies.

Also, there are other remedies as well to stop  a wage garnishment.  The one I am speaking of in particular is Chapter 7 bankruptcy.  This is an extrem case but if there is no way to pay on going wage garnishments, then a Chapter 7 or 13 will put an automatic stay against wage garnishments.  Your employer will be ordered to immediately stop the wage garnishments and they will until the ongoing dispute is resolved.

Remember too, if a judgement to garnish wages is put against you, the following has to be followed by the person or company suing you:

1, They have to official notify the court.
2. The court through the mail has to notify you through a summons.
3. A court date in which both parties show up has to be established.
4. The judge has to render a judgement against you which will be defaulted against you if you do not show up so show up.
5. The other party too has to show up.  If they do not, then judgement is rendered on your behalf.  This is where it gets murky.  If these semi-legal or semi-illegal debt collectors (depending on your perspective) do show up, they will be in the awkward position of exposing themselves more to the outside public and to a government agency.  That could be risky for them.
6. However, if they do show and judgement is against you, then and only then can the start the process of collection against your check or other items of value.  in other words this could take 8 weeks to 3 months or more for the above steps to be followed by a so-called or legitmate collection agency.  If you were in fact or your HR department was in fact served with wage garnishment papers, ask to see them in order to verify the referenced court or court system in general if in fact a judgement and wage garnishment has been assessed.

Hang in there as we are all in this unfortunate boat.

Hi, I saw your message.  I posted on another blog and will also post on this blog.  I sent a complaint in to the State of California AG office online just a few days ago.  They responded back that they would call this company in order to "get two parties to an amlicable resolution" which I know will not happen.

Complain to them (State of California AG office too).  Reference National Check Registry and NCR.  While they just got my complaint, if yours comes in to, this could start to build state or national momentum.  Do this now as they just got my complaint so it could be fresh in their minds.  

Everyone, complain to the State of California AG office, especially if you are a California resident.  This could be our chance and keep hitting at them.  A company like NCR's greatest strength is their persistance. I am also looking in to legal offices that specialize specifically in these types of activities.

Keep posting, I will check everday at least once every hour.

Got a call around 9:00 this morning from a lady by the name of Alanna Johnson asking if I had been served papers at my place of employment or if any liens against my pay or vehicles. I asked the name of company and she told me National Check Registry...told her not to call back to my job and she said she would call my cell phone during my lunch break.

I am sure something can be done if approached correctly.

I really would like to see some sort of cohesive action taken.  For me, the right news media forum would be a good place to start.  That might at least spur some sort of government action.  If these folks are making a substantial amount of money from victims, then maybe they would be in a position to reimburse monies back.???

But the thing is, the BBB or other government entities do not seem to have the power to stop these calls.  Even if they know the general area of where these calls are coming from.

AKA  VRM and Associates same BBB rating (F)
No address given to BBB just a PO Box #

This Business is not BBB accredited
National Check Registry
Additional Locations
Phone: (888) 430-8504
PO Box 541, Buffalo, NY14201

F On a scale of A+ to F
Factors that lowered the rating for National Check Registry include:
BBB does not have sufficient information to determine how long this business has been operating
55 complaints filed against business
Failure to respond to 3 complaints filed against business
21 serious complaints filed against business
BBB does not have sufficient background information on this business

Additional Information
BBB file opened: September 11, 2009
Business Category
COLLECTION AGENCIES
Alternate Business Names
VRM & Associates

http://www.bbb.org/upstate-new-york/business- ... o-ny-183539195/

I know I will not give up on nailing these guys.  I am going to legally do whatever it takes.  I am hopeful the CNN or some other reputable news agency picks up on this.

got a call from 585-278-1340 from some lady who was with national check register saying i had 24 hours to send money or they would have a warrant served from the county i lived in, which i have not lived in for 5 years they are really up to date. this has been going on for 2 years . i never had the debt once i told her i had a paid receipt and they said it was no good because it was not signed by them. WHAT A SCAM THIS COMPANY IS

Just a quick update.  I  have forwarded my own personal story regarding NCR and IMG to CNN online with my personal information (email and cell phone number).

I will keep reaching out until something substantial is done about these two companies.  I also referenced United Cash Loans and 500Fastcash and the FTC ongoing suit against these two companies among others.

Please continue to stay posted.

P.S. - Sorry about the mistakes in above sentences.  I will keep everyone posted on what other actions I am taking and let you all know the results.  The results could be slow in coming.  However, if everyone contacts specific National News medias, we just might get the attention of someone with some pull, both legislatively and legally.

I too have been receiving calls from National Check Registry and IMG.  National Check Registry phone number among others 518 621 5857.  There seems to be some common denominators regarding these calls- For one, they are based out of Albany or Buffalo New York.  

They are payday loan connected.  These payday loans are all internet based.  They cannot seem to validate the debt with documentation and these callers are constantly threatening to take some sort of legal action.

Another company I have been getting phone calls from is IMG at 716 989 0580.

Finally they all have reference numbers for court cases that are forever pending.  

It seems to me that the FBI, FTC and Attorney General's office are unwilling and or cannot stop what appears to be extortionist activities.

Although reporting these jerks to the above law enforcement agencies is a good first step.  It is only a first step.  

Is there anyone on this site that knows the ins and outs of getting this story to the National News media?  Is there anyone that is expert on tracking down the location of where these calls are originating from.  It seems to me that the following needs to be done:

1. Get the National news media involved.
2. Track down just one of these locations where these calls are originating from.
3. Then after bringing to national light these collection incidents, law enforcement may be forced to act.

I do know that the FTC is suing United Cash Loans and 500FastCash so who knows.  Any other thoughts out there.  Blogging only to complain will not stop these calls.  Calling them back and yelling with now stop these calls.  There has to be legal definitive action taken against them.

Would love to hear from others out there.  Whether or not we own monies to former payday loan companies, we are alone for now and need to band together.  This is no way to live.

Please have them stop calling me, they ripped me off for 50 dollars because they told me I was going to jail if I did not pay them.  I thought I was actually going to jail.  Please help get these people of the streets.

Got a call on  November 29, 2012 from a Mister Donald Lomax and a Ms. Annette Stonewall said that I oweed BMG (Bahama Marketing Group) which sell ur info to scammers 788.00 from a Sagmore pay day loan. Now I have paid these people off because I have receipts showing that I paid them off. Mr. Lomax said that he is sending me a warrent and a summons to go to court. Last time I checked u wasn't warned about things like this. So I have been calling him back he even sent me this fake letter. I got to admit they scared me but i did my home work and found out they were scammers, the phone number they are calling me from is 585-278-1336.I hope what little they took from people I hope God allow the devil to take more from them .

I got a harassment call from this number at my job by a Patty Price claiming to be a private investigator in records to Vandelier Group LLC, when I told her I had filed a claim against this company she didn't know anything about me or this company. she hung up on me I called by twice and left my address because she will be added just like the company above to the attn general office with a complaint!!!!! I owe no debt to the company above in fact they owe me money.

Today I had a VM from an Investigator Named Watkins a deep voiced Southern accented female calling from a a 585 278. 1340 calling becuase there was a complaint file against me for check fraud and to call them w/ 24 hrs which I thought was stranged becuz she had called a weeek prior leaving a similar message but was givin another # to call 518 2675844 I enden hearing a Man named Investigator Micheal Davis hiss Vm left no ext hrs of Business or the fact he was the supervisor of Watkins so I called 3x by thee time I talked to him he claaims I had Loan online thatt I never do cuz Im nott the type of person to online and to purchase anything especially a Loan and said it was 2010 from a state I moved from and didnt know most of my info as if it was written and not in typd form also he put me on hold I heard no music or telling me someone will be with me shortly anyway I told him that I have no intentions on paying something I didnt owe and how can I be charged for fraud if this is a Debt although I dont owe anything he claims I will be extradited and affadavts will be sent out by prosecuters what a bunch of crock I told him that I was a victim of Identity theft and I have a police report having info stolen prior yrs before I use to get calls about this loan before and I knew then it was a svam espescially since I spoke to police officers about the police report after I got off the phone with him I wrot all the info he gave the police took the Info and told me it was a scam based off the place he said he wrked for National Check registry where I learned like the woman wha stated the FACT it was not accredited by BBB please everyone don't be fooled I dealt with these people b4 eachtime I told them to send paperwrk via mail and I never recieved it..... I hope I talk to those people again so I can tell what what I think of them scammers they should go to jail for the fraud they're trying to do people.

I am getting the SAME exact phone call!