646-918-8890
NY, US
2011-06-06 20:53:42
Unknown
They are calling you because at some point, you applied for a payday loan online. Giving them your ss#, back account #, email address, home & work number. They will try to harrass you to give them money for a payday loan you never got. They will curse, be extremely vulgar to you, co workers, whoever answers your phone and they will threaten you. Unfortunatly, they are calling from overseas even though the number comes up as a cell phone number in NY. They are also related to people that may call you from 206-424-8457. Not much your local police department can do. I would say immediately, if you have not already, close your bank account because they have access to it now. Put a alert on your credit reports (you can do it for free for the 1st 90 days) and you can file a complaint with the social security administration. Thankfully, long ago when I did apply for a payday loan, I immediately closed my bank account because they started bombarding me with emails, phone calls and felt, it probably wasn't a very smart thing to do. Now they are calling me months later. You won't go to jail, there is nothing they can do but call you over and over and harrass you.
Miquel
Miquel
2011-06-06 20:53:42
Unknown
they called stating that i was in big trouble and i was going to jail if i didnt call them back soon
Anne Marie
Anne Marie
2010-11-15 16:15:01
Unknown
Man with heavy Indian accent, says his name is Brad Williams or Pat Williams is calling for one of our employees.  She has spoken to him several times, he still calls relentlessly.  He is rude and harrassing.  We are a special needs school he is tying our phone lines up.  Several people from staff have spoken to him he continues to call.  The employee has filed a police report with our local police.
Rick H.
Rick H.
2010-11-12 17:57:03
Debt Collector
Asked the guy know Carl Peterson for Mailing Address and for a Copy of my Bill.If any one has this info please post it.He gave me 605 Bellemeadewood Apt.10 70056 Tampa Florida tryed to look it up ? No Luck
Angela Conley
Angela Conley
2010-11-10 20:57:14
Unknown
Brad or Tad Williams called me again today....reporting that he is seeking legal action against me again.  Also states that why did I google him...well Mr. Williams, you are a SCAMMER....until you can provide me with WRITTEN DOCUMENTATION of this so called bill, I will not take your calls.  I have reported and will continue to report you to the local authorities as you are harrassing me.  All recorded messages will be turned over to county and state authorities...ANYONE who receives calls from this individual should do the same.
wrfd
wrfd
2010-11-09 20:31:30
Unknown
That happened to me as well, 'cept the ID came up as NCC BUS SVCS OF.
Conversation:
Me: Hello?
Person: Is there a Mary there?
Me: No.
Person: Okay, we're calling the police and you are going to jail, you t**t!
Sandals
Sandals
2010-11-09 19:58:09
Prank Call
Ok. so I have been getting these calls and messages on my voicemail.  So I decided I would just call them.  I told them I knew it was a scam and everything and they would hang up on me.  I kept calling back. I think I might of called like 20 times mostly they would pick up the phone and hang it back up.  Once someone answered I said  will stop calling you guys if you guys will stop calling me. They hung up.  So I kept calling again...and eventually they picked up the phone and said they will not call anymore.  So we will see.  They tell me they are from the Lawfirm of ACS or the Legal department of ACS.  The two numbers that call me are 9095394075 and 6469188890.  James Johnson or Frank Scott.  I have called back and spoke with Stacie...and she wasn't very happy with me because I kept calling. LOL
xtal
xtal
2010-11-08 17:50:13
Debt Collector
My boyfriend got the same call as everyone else has on here. they all called from the same number. we all need to report these people so everyone who has got these calls PLEASE REPORT IT to this phone  877-FTC-HELP. If many people call maybe they can shut this place down.
thank you
Angela Conley
Angela Conley
2010-11-08 16:13:44
Debt Collector
I have received numerous messages/calls from Brad Williams with ACS (return number 646-918-8890)that he has my ssn and a suit is being filed againist me.  I requested written documentation about what I supposedly owed and the call was disconnected.  Two weeks later the call started again.  I traced the number back to NY and then contaced my local police department who told me this could be a class 1 misdemeanor but they would not extridite from NY for the level of crime.  Unbelievable.....
Very Angry
Very Angry
2010-11-05 20:55:48
Unknown
I as well as a close friend got a call from this number stating I had taken out a payday loan and never repaid it.  First and foremost, payday loans are not allowed in my state.  Next, i asked for more information and they could not give it to me.  They refused to give me information regarding the loan, where it was deposited, or any other information.  They did however tell my friend I committed fraud and that I would be going to jail.  PLEASE!!!!!  The state attorney general will be handling this for me from this point forward.  BTW, very thick arabic accents, and they used the name Ben Johnson.
mad
mad
2010-10-27 16:09:52
Debt Collector
I have recieved many calls from this guy named shawn smith. He hascalled from unknown numbers and from 000000000 thasts all would be on my phone. But he would leave me this number from here on my vmai. He just called me again today and said that if i didnt resolve this matter today that my ssn, drivers license would be in trouble for the next 8 months and that i would be have law enforcment at my house and at my job. He also called my boyfriend and told him to have me contact him now. Which is funny cause if this is a online cash advance place collecting this debt they wouldnt have his number causri havent recieved one of those for at least 4 years and i havent been with my guy for a year. so how they are getting this info they need to stop im getting really mad. I called the number and told him i have contacted the law enforcement and the attoreny generals office and told him not to call back and to have a nice day. lol but he called right back and said u want to settle this matter and i said your a sam and to stop calling then he hung up on me.
Polly Williams
Polly Williams
2010-10-26 13:40:13
Debt Collector
I received a call from the above number stating that there was s lean on my driver's license, had my banking information and stated that I took out a loan sometime in March, could not give me an exact date.  Arabic man, very nasty attitude.  Wanted me to make a payment with my credit card over the phone.
Rodney
Rodney
2010-10-24 10:10:28
Debt Collector
These people left a message that they were about to go over to the courthouse and sue me if I did not call back. I cannot understand the lady because she has broken English. I do not have time for these calls. There has to be a way to stop them.
richard
richard
2010-10-21 14:00:29
Unknown
you, no good black, a** pakistans , and indian, thives, i hope you, all die n hell, these people, are scam artist, they are meanm, taking american money, they are a bunch, of scammers, and no good, no good, b*****ds, lazy, they deserve to be killed one by one, and torchred in the process, the same way they threaten us every 2, minutes they call, i hope you, no good, b*****ds, read this and choke on your own words, go to hell,
Alive in Montana
Alive in Montana
2010-10-20 23:48:13
Debt Collector
Wow, my boyfriend received a call from this number stating he needs to pay an old debt from an online cash thing. They are foreign and can hardly speak English, yet they have American names. I'm sorry, but it freaked me out and I started to look into it. Things just didn't add up. Then I ran across this site. I KNEW they were spammers, esp. when they started to threaten me with law suits and crap. These people should go to jail and rot for what they do.
Carol in Oregon
Carol in Oregon
2010-10-19 23:30:49
Unknown
How do you use the soundboards? LOL........sounds like a good thing to do!! I can't get them to stop any other way!!! So, bring it on freaks!!!
extremely aggitated
extremely aggitated
2010-10-18 21:41:07
Debt Collector
THESE FOOLS CALLED MY CELL PHONE TODAY SAYING MY X HUSBANDS GIRLFRIEND TOOK OUT A CASH ADVANCE LOAN AND GAVE ME AND MY INFORMATION AS A GARUNTOR ON THIS LOAN.  HE SAID IF I DID NOT PAY I WOULD BE ARRESTED AND THAT HE WOULD REPORT IT TO THE CREDIT BUREAU.  I TOLD HIM I WORKED FOR AN ATTORNY GAVE HIM A CITY AND STATE OF THE ATTORNEY AND TOLD HIM I WOULD HAVE HIM CALL HIM BACK....THE JERK HUNG UP....I AM NO WAY RESPONSIBLE FOR SOMEONE ELSES LOAN ....GLAD I FOUND THIS WEBSITE!!!  P.S.  I DO NOT WORK FOR AN ATTORNEY..LOL!!!!!
Cynthia
Cynthia
2010-10-16 10:57:39
Unknown
I got two different name under this phone number Steve Parker & Richard Wilson calling
on behave of ACS , informing me that there has been 2 charges against my social security number, I have the ACS payment authorization form they sent to my email with the following as contact information on them
Telefax-646-224-9593
Telephone-646-918-8890
Email- acsincusa@gmail.com
Ky girl
Ky girl
2010-10-16 01:51:11
Debt Collector
They have called my work and I even had a lady from the bank on the phone with me and they wouldn't give me any information and was being soo hateful to me and rude saying the were going to fill a law- suite against me they are saying I owe money when there is nothing at all that they claimed went into my account!!!
Donald O'Grady
Donald O'Grady
2010-10-15 18:17:35
Debt Collector
My brother's girl friend, Carlene McCallister used my cell phone number for some transaction. I received a threatening call from this number demanding that I make her return the call and declaring that her SS# is under investigation. I told my brother and his girl friend not to ever use my cell phone number for any business transactions.
angry
angry
2010-10-15 15:58:42
Unknown
They kept calling over and over saying that they were going to call the police if i did not get the person they wanted on the phone...
susie
susie
2010-10-15 00:37:02
Debt Collector
this guy keeps calling me also,, says i am going to jail if i dont agree to sign papers and pay a debt..he is rude keeps calling every 15 minutes,, gives name as AGU collection,, his name is  Charley Brown,, also used Nick Thompson,, and Mr Coastintine,,, BE AWARE  this is a SCAM,, i have contacted the State Police,,,, and Verizon,, phone company,, Please do so also and report these people,, verizon has put a trace on my phone for free,, after 3 calls from this caller they are in trouble,,,,please report,, if you get more calls
Cynthia Ysaguirre
Cynthia Ysaguirre
2010-10-14 18:59:16
Unknown
Did not understand the company they were calling me from because they could not speak very good English but had all my info.  I ask them for the number that I was suppose to have owed and they gave me a number that was no good.  Then gave me their number which told me I had 15 min. to call them back.  I would not give them any info.  They got mad because I would not confirm any info.  Then I looked the number up on the internet and found out it was a scam I called the number back and told them I was going to give the number to the police he called me a few choice names and hung up on me.  Then called me back to call me a few more choice name and said it was a f--king scam and hung up on me.
Bankruptor
Bankruptor
2010-10-13 00:20:08
Prank Call
There's no way to stop them so lets just blow up their numbers so they can't use them anymore!  Go here http://www.dailyhaha.com/soundboards.htm  or Google soundboards and hit them with your best shot!  They're number is looped from a US number so they don't have caller ID and they're criminals, pirates actually so who cares, prank away!
Lamet
Lamet
2010-10-13 00:19:18
Prank Call
PROTECT YOURSELF!  IMPORTANT INFORMATION YOU MUST READ ? HOW THE SCAM WORKS AND WHAT AGENCIES TO REPORT THEM TO

LONG RUNNING AND KNOWN SCAM ? ALL OVER INTERNET AND NEWS FOR  2 YEARS NOW


Fake Debt Collectors ? Terrorizing Consumers
http://abcnews.go.com/Business/story?id=5621205&page=1

MORE ON FAKE DEBT COLLECTORS
http://www.wvago.gov/internetloanscam.cfm
http://800notes.com/Phone.aspx/1-904-425-9141
http://www.thepittsburghchannel.com/call4action/17285785/detail.html
http://www.800helpfla.com/newsletter/2008/092008.html
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html  
http://consumeraffairs.com/news04/2010/07/video_bill_collector_scam.html  WITH VIDEO!  
http://consumeraffairs.com/news04/2010/09/fdic_debt_collector_scam.html  9/7/2010 -NEWEST CONSUMER ALERT ?SCAMMERS NOW CLAIMING TO BE WITH FDIC

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):
1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.
2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.
3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.
4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov
5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:


http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer false postings as Karen Miller, Chichi and Tom Little
http://800notes.com/Phone.aspx/1-561-300-8018   Scammer false postings as Marco Polo and Covenant
http://800notes.com/Phone.aspx/1-877-226-7488   Scammer false postings as SAM, David S
http://800notes.com/Phone.aspx/1-888-706-7463   Scammer false postings as George
http://800notes.com/Phone.aspx/1-209-349-7382   Scammer false postings as Towanda Robinson, Shannon Walsh, Jack Dawson and Cynthia
http://800notes.com/Phone.aspx/1-760-514-0132   scammer false postings as Suzy01, Johanna Hall, Cindie McMellon, Michael Dublin, Mark Williams, Carol and Rio   (800notes removed some of the scammers posts because the all came from the SAME IP ADDRESS)
http://800notes.com/Phone.aspx/1-209-797-2212   scammer false posting as Jaison Connar
http://800notes.com/Phone.aspx/1-707-401-4056   Scammer false posting as John Carner, KSR
http://800notes.com/Phone.aspx/1-650-241-4604   Scammer false postings as jhon and Kevin
http://800notes.com/Phone.aspx/1-708-401-0535   Scammer false posting here as JHON
http://800notes.com/Phone.aspx/1-518-212-0219  Scammer false posting as Prince Christian, Arpit
http://800notes.com/Phone.aspx/1-718-705-8669  Scammer false postings as Alicia
http://800notes.com/Phone.aspx/1-707-633-2789  Scammer false postings as Rojer, Minni, Rhone, Smith, Lisa Jack, Julie, Sean, and Carol. ? preparing a new number to use to steal money
http://800notes.com/Phone.aspx/1-205-294-6271  Scammer false posting as Thomas Jhonson
http://800notes.com/Phone.aspx/1-661-263-4011  Scammer false posting ?ILLEGALLY claiming to be an attorney Charles F Robinson
http://800notes.com/Phone.aspx/1-321-684-4117  Scammer false posing as Harry Patt
http://800notes.com/Phone.aspx/1-518-565-0306  Scammer false posting as Wellvishers
http://800notes.com/Phone.aspx/1-678-791-4673  Scammer false posting as Sherrie Ann and Elvine Buris
http://800notes.com/Phone.aspx/1-305-390-0607  Scammer false posting as James and Mark
http://800notes.com/Phone.aspx/1-209-349-3112  Scammer false posting as Roger Brown. David Macrow and Andrew
http://800notes.com/Phone.aspx/1-646-360-1702 Scammer false posting as STATE LEGAL DEPARTMENT
http://800notes.com/Phone.aspx/1-850-254-8883  Scammer false posting as Stella
http://800notes.com/Phone.aspx/1-347-875-8165  Scammer false posting as Lisa L Johnson, Mark Taylor

Scam alert: Bogus debt collectors
By Leslie McFadden ? Bankrate.com
Monday, Aug. 3
Posted 2 p.m.
Bankrate reporter Leslie McFadden contributed this entry.
This scam isn't technically about credit cards, but it is scary enough to post a warning. The Better Business Bureau issued an alert today saying consumers across the country are getting phone calls from bogus debt collectors claiming default on a payday loan. Of course, the consumer needs to pay a large fee to avoid arrest -- as much as $1,000.
The caller poses as a lawyer, and may threaten extradition to face trial if the consumer doesn't pay up immediately.
What makes these calls alarming -- and perhaps convincing -- is that the perpetrators reference the consumer's personal information, such as the person's Social Security number, driver's license number, previous bank account numbers, home address -- even personal references.
"The amount of information they have is really troubling," says BBB spokeswoman Alison Southwick. She adds that the amount of data points to a possible security breach.
Spread the word to your friends and family: Don't give out personal or financial information to an unknown caller. Scammers can spoof Caller ID to display different numbers, so trust your instincts over technology.
The BBB offers these tips:
?    Ask the debt collector to provide official documentation which substantiates the debt.
?    Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
?    File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws or the Fair Debt Collection Practices Act.
?    File a complaint with the Better Business Bureau online if you believe a debt collector is trying to scam you.
the saint
the saint
2010-10-13 00:17:43
Prank Call
Here's Why:

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.
Theresa
Theresa
2010-10-13 00:16:10
Prank Call
I have been getting phone calls from this number since Friday, and they even called me at work, saying they are some Attorney Firm. Why would these callers be using a cell phone if they are from a Law office? They were foreign people and I could not understand them!!!!
joey
joey
2010-10-13 00:14:53
Prank Call
RECEIVED A MESSAGE (AGAIN) FROM AN ASIAN GUY SAYING THAT I WAS IN BIG LEGAL TROUBLE AND THAT EITHER ME OR MY ATTY NEEDS TO CALL HIM TO RESOLVE THE SITUATION.  I HAVE RECEIVED THIS MESSAGE 3 TIMES EARLIER THIS WEEK WITH THE SAME MESSAGE FROM 3 DIFFERENT NUMBERS.  DEFINITELY A SCAN.
some1
some1
2010-10-13 00:13:59
Debt Collector
Just got a call from this guy with an Asian accent.  Said my social security number was on hold and under state investigation.  I did a reverse phone lookup  and got the following information: Los Angeles, CA
Phone Type:  Land Line
Carrier:  Level 3 Communications Llc - Ca
Time Zone:  2:39 PM PST
County:  Los Angeles
The guy said the phone was the hotline to his "department."   Funny that Intelius didn't give me any California state official office or anything.  Also, I live in Kansas, so why would I be under investigation in California? If it had truly been official, they would have mentioned what state they represented. Plus, he threatened me with the situation that would befall me if I didn't call back.  Said to have my attorney do it too, but they know most people will just call by themselves.  Then they can get your social security number or whatever it is they are trying to defraud you of.
grace
grace
2010-10-13 00:12:57
Prank Call
I recieved a call at work from this number this morning. When I returned the call it was a forgien guy when he wanted to varify my SS # I told him no and hung up the whole call was weird he left a mesage saying it was a legal matter at my corp office. I have never heard or had a legal firm answer a phone call without stating the company name. He asked me what number did I call you at I don't know the coorp office number off the top of my head. To weird I didn't give him any varification of my SS# I hung up on him.
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