I got a message from my job from Brian cooper saying he has a sommons for court and he was coming to my job to deliver it. 8553546163

Eric Foster called threaten me about a lawsuit. I do not know what he's talking about. When i tried to ask questions he hung up on me.

i have been harassed all day by this "Eric Foster" and he has changed his story multiple times and said i would be arrested due to my social security number being under evaluation on monday then he said friday and couldnt give me a case number or a reason. he told me i was in "big trouble" ooooo im scared now ....not. this guy is full of bologna and im going to the police tomorrow morning to file a police report and possibly checking on my credit scores due to him telling me my SSN.

They called from a different number, saying they were from hinsdale law.    Told me, not the person they were calling for, that they had a lawsuit against him.  Not sure if a law firm could even do that!

they called from 650-425-1769

Posing as Bryan Cooper with Hinsdale Law Firm...

I received a call from Eric Foster arabian guy no offense. Stating that I owed 358.35 to cash advance. Something told me not to believe him bcus the only loan place I have filed with was Cashnetusa.com but I still sent him the money. I suggested for him to take it out of my account but he stated no he needed it in a Green Dot Money Pak card. I have all my copies. He than calls me to tell me that the loan company wants another $200 for attorney fees. That's when I googled this number 6504251020. And found all of yalls comments. Thank you so much. Now I have an attorney and have reported it to Arlington PD. Now when he calls I'm gonna tell him I don't have the money. He told me the other day that if I didn't have the $200 he was than gonna issue me a check for the amount I have already paid and that APD will be at my place of employer to arrest me. Than I would be fined over 10,000.00 dollars if I loose the case.

I to got a call from Eric Foster. I believed it at first and did send him 359.00$ than he calls me stating that I need to pay $200 more. I haven't sent it. I decided to google his number. And found this page. I have already contacted the Arlington Police Department and a lawyer.

i have also been getting a phone call from eric foster at the tlephone munber 650-425-1020 and he has thretened me with the cops. im really glad i found this site. thanks for all the help

He called me wit that be too...muthaphucka almost had me scared I gotta girlfriend n a wife on tha side u can't goto jail

they are calling me too what is this really abt??

I just received a call yesterday from a man named Eric Foster from some Law firm. I called him back and he said I was going to be arrested and loose my job. I have been torn up about this all night. But now I see it is all a HUGE SCAM. I would like to see these people put in jail for all their wrong doings, I never used the company the say I used. And this was first time ever getting a loan online.

This number has called me for almost two weeks since thanksgiving day i paid the debt i thought i owed. Now there saying I need to pay 99 Dollars to have paperwork sent to my house. I believe that a real law firm wont charge you that much for paperwork if anything at all.

Recieving threating phone call from someone claiming to be from a law firm

I received a call from this number also 1-650-425-1020 and Eric Foster for Hendstate Law Firm, left a threatening message by leaving a voicemail.  I called it and he said he was busy not able to answer the phone.  I left a message to quit calling and threatening me or I would report him.

CALLING THE FEDS ON THE GUYS AS WE SPEAK AND I HAVE TURNED THEM IN TO THE COPS

Got a call from Eric Foster (india desent) stating he was claaing from Hemstell Law Firm @ 650-425-1020 stating that the police will be here in 48 hrs to serve a warrent to me. I just laughed and said di you really think I believe this? He said when they show up at my door.. Then he said some b***s*** about it wasa going to cost me $86,000.00 in fines and fees and I started to laugh again and said no it wont because I will file backruptcy LOL.. THis is just another scam from the t**** heads theifs.  DONT FALL FOR IT!!!!!!

Is this guy serious I asked what was I getting sued for the mufxxker said that the I used false info. To get a payday loan. A few months back. im like dude what are u tlkin about. I just did this a week ago.so he was like well we can resolve this problem with 2 option either I pay what ever the amount was or we can go to court.i reply were is the courthouse this bi*** says in cali.i live in neworleans so I asked simple jack how was this going to take place.so I said well ok court it is the f**got hang up on me.sayin that police will contact me in 48 hours.

erick called me to with this # (650) 425- 1020 when i ask to speak with his sup... then he sayed the police will come in 48 hours when becuse i would not talk to him i want to takl to sum one to make sure it was real i just did a credit report a week before i got the call on 11/3/11 win he called at frist he did not know it was me he thout i was a women

That same Eric Foster keeps calling my cellphone like everyday.  Saying he is with the Hendstale Law Firm and I need to return his call ASAP or they will have to file a suite with Court and they will be sending Law Enforcement to my home or work.  I told him to send them and I already have an Attorney and provided my attorney with his contact information.  He said a few nasty words and hung up.

Someone  also called me w the name eric foster to my cell phone n  my job! He was claiming that I owed 689 dollar! I asked for documents n he wont send them.

SOMEONE WITH A STRONG ACCENT WHO CALLS HIMSELF ERIC. CALLED MY JOB STATED I OWE 5000.00. I TOLD HIM TO SPEAK WITH MY ATTORNEY. HE HUNG UP!!

keith bradshasw...

Call the FBI, the Department of Homeland Security and your State Police. When they call back, tell them that you are aware they are running an extortion ring, have notified the authorities and hang up.

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

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
1-831-607-9214
1-972-674-3753
1-646-918-5211
1-206-202-4942
1-206-337-7992
1-206-339-8218
1-561-318-0446
1-585-250-8090
1-347-827-0921
1-607-398-0725
1-888-610-5486
1-585-861-9940
1-909-233-7338
1-646-416-9016
1-805-262-6170
1-661-270-6724
1-561-705-0140
1-310-807-0220
1-347-637-6473
1-951-582-4832
1-909-503-0682
1-818-579-7691
1-347-321-6497
1-206-666-3611
1-206-203-0712
1-347-875-8418
1-347-875-9600
1-206-629-9392
1-818-532-9007
1-310-853-3491
1-347-377-7368
1-321-300-4091
1-866-840-2030
1-760-588-2207
1-845-360-0920
1-415-259-5025
1-347-637-6452
1-818-275-4539
1-707-673-9475
1-714-485-9593
1-909-565-4286
1-714-733-5614
1-512-501-3639
1-347-688-9900
1-914-269-4450
1-650-425-1020
1-888-500-2534


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.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

Eric called me too i know hes lying about a loan on cash advance thats bull i dont got nothing and dint approve of any...so hes a fraud low life that thinks he can manipulate people i made a report..i also swen that hes from california san mateo..

"Eric Foster" of Hendsell(?) Law Firm has been calling me as well for the last few days. I messed with him for a bit and let him know that "real" law firms submit a letter pertaining to any law suit and that having the last 4 of my social doesn't mean anything. Besides, everyone I know is an attorney and once I actually put an attorney on the line with "Eric" he started telling him to "F*** off" and hung up! WOW!!! This is some poor loser who is sitting around trying to scam everyone. Just block the number and report to the police. If it really gets out of hand, maybe the number can be tracked to a specific location and he can be arrested for fraud. I think if enough people report it, they can get something on him.

Once again: REAL LAW FIRMS WILL SEND YOU AN OFFICIAL LETTER!!!
If this guy calls, You are not really being sued....

they do it to a lot of people. block their number. they'll keep trying from various other numbers...report them to the police. THEY ARE NOT A LAW FIRM!!! they get your personal info from some place (probably buy the lists of people) so just ignore it. They will tell you to F*** off if you argue with them. That's what they did when I got an actual attorney on the line...

I also got a call from this # claiming that i was being sued due to a loan i had applied for on line claiming that they had sent funds electronically to my bank account which is not true.when i requested paper work they hung up on me when i called back they did not answer. the guy had a terrible hindu or arab accent and told me his name was mr smith. big scam dont send any money!

Another update.  I emailed Hinsdale Law and got a reply from the owner who says this scam has been going on since may and they have reported it to the FBI etc.  She suggested that I too report it to the FTC which I already had.  NOW I am getting more calls, but scams trying to access my computer!

here is info for all of you:

Also...google debt collector laws for the state you are in for what they can and cant do and what your rights are.  The FTC website link is there too so you can file a complaint if you have had the same problems I have had.

Employees who called:
John Bennett
Brian Cooper
David Warner
Their address is the Silicon Valley location listed below.

Toll-free: (888) 430-4004
Fax: (415) 503-4038
Email: mail@hinsdalelaw.com
San Francisco Office:
649 Mission Street
Fifth Floor
San Francisco, CA 94105
Toll-free: (888) 430-4004
Ph: (415) 503-4004

Silicon Valley Office:
433 Airport Boulevard
Suite 106B
Burlingame, CA 94010
Ph: (650) 342-4800

Update - first i wanted to mention that the number i was called from was 650-425-1070.  Since i posted last i was able to find the website of the "law firm" and emailed them a complaint about their practices.  I also called Brian Cooper at least 4 more times asking for paperwork.  Again I was told they ONLY send paperwork AFTER you have paid.  I then checked the debt collector laws for Ohio and California and got enough info that I ended up filing a complaint with the FTC.  it helped that i was able to give them the address, phone numbers, web address etc.  I made one last call to ask for the paperwork and when he refused I told him i was filing complaints and making a statement at the police station.  Guess what, I have received 3 messages since then from David Warner "Sr attorney - yea right" stating that there were new developments in my case and to call them to verify my address so they can send the paperwork.  I called back, got voice mail and immediately ordered them to not call me any more,that I had filed complaints and that by law they only have 5 days to send me the paperwork before I take action.

We will see what happens.  Google is a good thing!  I went from being terrified all night to feeling empowered since I have information.  Again I stress, I have no problems settling any legitimate debt, I just wont be bullied anymore.

i called him back and asked for his office number, he hesitated and said he didnt have one so i then asked what floor.  He said 4th.  I am going to go to the police dept and file a complaint tonight.  i also read were we can sue for the harrassment we have incurred and the way they are handling this.  Dont get me wrong, if there is a debt out there that i never paid i DO want to pay it but I wont pay it without having paperwork showing how much i owe and to whom.

I fell for this yesterday.  He said that if i didnt make a payment right then they would have me arrested today.  I was threatend and badgered until i agreed to send a fax today with a copy of my drivers license and gave him my debit card number.   In the middle of the night i was thinking clearer and started googling and found this site. Since it refused to tell me who i owed and what the orignial amount was until it was paid I realized it had to be a scam.  what scared me was that he had my SS number and NOW has my debit card number.  At 7 this morning i called and had my card voided then i called the local police dept.  He says that this is how they get you to pay, by lying. He suggested that I come in and make a statement or call and they will come out.   Needless to say, i just got a call from Brian Cooper who said he didnt get my fax and would have to proceed.  He still refused to give me info or paper work.  I asked and badgered him until he gave me his address.  433 Airport Blvd Burlington, CA 94010. I am going to check it out.