THEY CALLED MY MOM TOO AND THIS GUY MIKE TOLD US HE NEED TO THE MONEY THAT MY MOM OWED IN THE PASTED 8YRS AGO .. TODAY WE ARE PUTTING A STOP TO IT IM IN MIAMI FLORIDA WITH MY MOM WE ARE GOING TO THE BANK TODAY ,,THANK YOU SO MUCH FOR THIS INFO!!

Got a call from 919-439-9999. Someone named Susan" from "PSD, Process Services Dept", left a message saying I needed to call them about "process services against me on a complaint filed." She said I needed to contact the issuing agent in their legal department and to call 888-505-2895.

Called 888-505-2895 and a guy named Mike answered "CK and Associates." He said they were going to send a process server to my house on a complaint filed in my county court for a debt owed to GE Money. (I had a debt to GE Money over 5 years ago that I paid off.)

He said I would have to pay immediately or the complaint would "go public" and they would send the process server to my house today. He had my name, phone number and my address!!!!

He said they sent me "notice back in May" that I never responded to and that if I didn't pay then they would send the process server to my house! I told him I never received a notice and asked him to send me a copy. He told me he couldn't stop the process service but "maybe" he could reschedule it to the next morning at 9:00 a.m. and that he was "logging into the court system" to see if he could postpone it.

btw, I worked for law firms for over 20 years and I KNOW that service of process is always performed AFTER a complaint is filed with the court.

So I played the game... I told him I didn't have the money, but that I might be able to get the money tomorrow. I asked if I could get their address and send a money order or check in the mail. He said I would have to overnight it because if they didn't get it by 9:00 a.m. the next day that wouldn't stop the process server from coming to my house.

Then he said I should pay now with a credit card--OR--go to a Bank of America today and deposit the money into THEIR BANK ACCOUNT!! He gave me a Bank of America Account# 325014695254. And told me to get the confirmation number from the bank and call him back.

Geez, these guys are dumber than dumb. I have never had a company give me their bank account number to pay a bill. Anyway...

I asked what if I could mail a check or money order and could I have their address. He said I would have to overnight it or else the process server would show up at my house in the morning.

Of course, I have not paid them. No "process server" has shown up at my house. It's a scam. Or possibly a debt scavenger (who buys old debts) trying to revive zombie debt (old debt that has gone past the statute of limitations). Either way, they are using scare tactics and threats to try to get people's money.

Here are phone numbers from these people:
919-439-9999
888-505-2895
626-593-6637

Here's the address for these scum bags:
CK and Associates
1005 E Las Tunas Dr #105
San Gabriel CA 91776

Google map and look up street view of the address. It's a post office box in a scummy neighborhood!

I received 3 more calls from them today. I am going to send a letter that will scare the beejeezus out of them I found here:
http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Here's some info about how to deal with these low-life scammers:

Debt Scavengers and Zombie Debt
http://www.adielhemingway.com/?p=108

The California Fair Debt Collection Practices Act prohibits debt collectors and creditors from using unfair, deceptive, or harassing behaviors.
http://www.nolo.com/legal-encyclopedia/califo ... ction-laws.html

U.S. Consumer Financial Protection Bureau
http://www.consumerfinance.gov/askcfpb/1695/i ... do-i-reply.html