No DA was ever to be contacted since that office won't be interested in penny-ante PDL debt. That implies a criminal matter, which is *NOT* how consumer debt is classified in America.

Everyone who shows a backbone to a fraudulent debt collector is a whiny liar trying to duck out of paying creditors. That's what thugs like "Sharon" are taught to believe, anyway, and taught to thrust such accusations to misdirect you from their own lies.

It's time to send NCR a very detailed summons and complaint for painting you as criminals, the illegal threats, and stirring of shame. Last I read its home is Lawrenceville, Georgia.

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Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

My mom got a call from this "Sharon Chambers" lady today. Claimed she had taken out a PayDay Lending loan 5 years ago and had me listed as the co-applicant and my brother as a reference. She said since the original loan balance was not paid off that it had incurred many fees and that they were going to press civil charges and contact my local DA office. She didn't even have the right address on file therefore she was going to contact the wrong DA office. Plus when my friend who is a police officer called for me too, she told him that I probably opened the loan under my mom's name against her knowledge and he told her that no one would be on a loan that they're taking out under identity fraud. She is a scam!!

Just got a call from Ms Sharon Chambers as well. Telling me my mother defaulted on a payday loan and I am her co applicant so therefore I can be held liable. First off, my mother would NEVER take out a payday loan. Second off, I am smart enough to google her name and number to this site. When telling her her jig was up, she said all of the people on this site are liars and are just mad that she called them about their debt. Told her I was calling the attourney general, and that she had better not ever call my phone again!

Hi, she is breaking many laws regarding ethical collection practices.  Primarily intentionally misrepresenting herself as an attorney when she is not one.
Please read my post below.  Collectors are a tenacious, annoying bunch.  You cannot ignore them though, you need to follow up -- even if you do not owe anything, you must dispute the validity of their claim, in writing.  If you do not know how to reach her/them, file a complaint with the NC Department of Consumer Affairs.  You will probably have to make a couple of long-distance phone calls, (like I did), but it is SO WORTH IT, for the peace of mind and satisfaction to say, "GOTCHA!" to the scammer.  Good luck!

Have you called the person/people you are working with at "Check and Go?"  If you let them know that you are being illegally harassed -- and that your account should NOT be with the "collectors" since you are paying, they should intervene.  C&G cannot keep you in collections AND collect $ from you.  Once you go to collections, the contract passes from C&G to their agency and you should be paying them.  HOWEVER, since they have agreed to work with you, C&G have negated their own contract with their collection agency, ergo, they must order them to cease and desist attempting to collect on their behalf.  ("Double-dipping")  Good luck!  I know it is aggravating.  :-(

My husband and I started receiving calls from this person yesterday.  Today, she called my cell phone and I spoke with her.  She told me  she is an attorney in NC, license # NC57683-Z   Sharon says my daughter and I  "persons of interest" against my husband and we will be subpoenaed against him.  Further, my husband will have a case filed against him with our county's DA.  Supposedly he "Offered a check to Citibank for $2,043.61, then did not follow through, he defrauded the bank!"  I told her she must have someone else in mind.  She said, well the complaint is coming from "Plain Green" too. THEN, she changed her story after I put her on speaker with me AND my husband -- who confronted her as being a fraud -- saying the debt is 1) too old and, 2) settled.  Sharon Chambers then said to my husband, "You know what, YOU are not to blame, I see now your WIFE did this without your knowledge.  I am amending this complaint to your wife, who did this without your knowledge and left you holding the bag."
FOLLOW-UP:  
I contacted NC State Bar, (919) 828-4620, s/w Beth.  No such name or number as a legitimate practicing attorney in NC.  Beth forwarded me to David Johnson who handles complaints of people practicing law w/o a license.  David is out until Monday but will call me back.  I left a VERY DETAILED VMM.

Yes, got a call yesterday.  Made the mistake of answering and now they are calling my work number every three minutes.  No message, just call.  I am already working with Check and Go to repay what I owe so I have no idea why these jerks are threatening me.

I too received a call from Sharon Chambers today and she also called my father.  She said I would be charged with fraud if I did not pay her today.  I asked her for more information and a letter with the information, so I could look into the situation.  I have never had a loan with my father and he has not co-signed for me.  I am shocked at how this all was handled.  I have never talked with an "attorney" that screamed and was extremely unprofessional.

These people are identity thieves. They are try to gain more info to hit your credit. When I called back they used different company names "which I ran through Duns & Bradstreet" no such company. When I called back to get there addy, they kept on putting me on terminal hold. Also the same person answered and used multiple names. Chambers, Sanchez and one I could not pronounce. If I could find these thieves, I will beat them to death!!!!!

Did I get a phone call?
This Sharon Chambers call my job and left a message that I played on my speaker  innocently while hearing my voice messages playback mode. So my co worker was listening too since I had the speaker phone on.  lucky there was only one co worker in at the time. The Voice mail was out outrageous Your paycheck is being garnish for a complain filed against you the  tax liens being filing against you in the County of Orange County if you don't call back today. and it went on and on real upsetting voice mail.

I called immediately and found out it was Bill Collector's office. They switch me to her extention and she picked up and I identify myself and she pull up my file according to the file number she assigned to me. She started tell me the purpose of all this and she had the wrong Victor  Del Toro wrong date of birth and the wrong s.s. # I went off at that point and she hung up on me too. I called again in about 10 minutes she picks up the phone and apologize and I said to her you are supposedly a lawyer behaving like that. I am sorry can you give me your web site or do I have do my due diligence. She said you are going to have to do it I am not giving you anything. I said I will and I will filing a complaint with the Attorney General. So I ended the phone call at the point.  

People contact the Attorney General's office every time you get phone calls like this please. Just do it. Put these people out of the bill collecting business forever.

had lady by name of shaorn chambers call my mom yesterday stating i owed money to a payday loan and had to be payed by monday or court will get involved. i tried calling back several times with no answer ans several messaged left.

Has anyone gotten a call from a sharon chambers 704-508-8588 stating I owe money from a loan off webpayday in 08 I never got one she called my parents and harassed them