I am Mike Freeman calling from the legal department of MCR-this is a attempt to discuss this matter with you or I will be turning over claim to Harris County.

It wasn't me. The spammer has been reported to 800Notes Adm.

This isn't a discussion as to whether or not we should "Pay our bills"--

This is about consumers' rights when it comes to collection of debts.

Thanks for playing.

--From the "REAL" Alfalfa.

why do people think it's a crime to collect debt. if you owe the money just pay it. i've been doing collections for  years and make good money doing it. i'm not a criminal

That's because it's not the original alfalfa
!
That's why I'm glad I registered on this site - nobody can spoof my cute little pink monster :-)

Creepy!  The run-on sentences gave it away!!

It's Alfalfa's cousin Wilbur.

Looks like Alfalfa has a twisted admirer that has spoofed the name just to make himself/herself look like a boiler room fool here, but then the admin should know the real Alfalfa from the Fake. There's no need to go to the admin level. Just look at his/her boiler room English. Educated with a PhD in scam in the Boiler Room of Nigeria?

Seriously? Alfalfa? This does not sound like one of your posts!

[This post has been removed]

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

Admin Edit: "It's a FAKE message!"
_____________________________



i have just received a court date over a payday loan saying i bounced checks. is this legal? it says this number is handeling the case

Says I didn't pay a payday loan wants money says he sent paper work to my employer to verify my employment his name is Michael Freedman