I got this same call but because I have no clue who they are I did not answer. Glad I didn't. From what all you said it looks like a scam to me. I think they had a news story on this a while back. I hope they finally can nail these crooks.

These terrorists are now calling from 760-239-9098

I am being targeted by extortionists over the phone. The crooks claim to be lawyers. They called my cell phone and left a message saying the matter was time sensitive and to call them back. I saved the message and called back. I spoke with a man who called himself "Christopher" who identified the law firm as ... & Associates (he spoke with a thick Indian accent and spoke too fast to understand the first part). He continued to tell me I was being summoned to court and asked for my attorney information. I told him I had no clue what he was talking about, so he said he would read an affadavit explaining the charges. He said the summons was for an ez money payday loan (which I have never received) and they deposited the money but my account did not have the funds for return. He said the charges were for check fraud, outstanding debt, and one other charge. He even provided me with my SSN, my email, my address, my place of employment, and my bank account information. I asked him if he could fax a copy of all the paperwork to my work, he responded with "you will receive all the paperwork in the mail in 2-5 business days," and hung up on me. I called back and I advised him that was not good enough and wanted to know what court to contact regarding the summons, he again said I would receive everything in the mail and hung up on me. I called back again, he (Christopher always answered the phone) from a different number because he had blocked mine, and he answered yes miss scott I cannot give you anymore information and hung up. I had my partner call them to try to get the name of the business and they told her she was just a she-man with a d**k and needed to get off the phone. I called a third time from a different number because he had again blocked the 2nd number, and he kept calling me miss scott (even though I was pretending to be another callee) and when I told him that I was concerned because he said it was a time sensitive matter he said, "your life is time sensitive now go back to work, your break is over." I again, pretending, told him I was concerned about the phone call and was going to contact my local police. He then told me to go ahead, contact the FBI even, so that is what I am doing. I have a witness to the whole conversation, and the voice message saved on my phone.

I needed to add, the reason I knew the payments I made was to fraud people was because he claimed he would  be sending me correspondence through the mail, which I never recieved, but they damn sure debited my account.

I received a voicemail from this number today too. At first I was like "oh what now" until I decided to look up the number and came across all this.

I must admit I was a fool for this scam the first time it happened to me about 2 years ago. I even went so far as to give them my bank acct info and made 2 payments for about $200 a month. Only because I thought the info they gave me matched something I knew I had. Then when that was all over I got another similar call, but that time I challenged them, and of course I got the same irate type of attitude. Told me they would be filing in my county and I would be arrested blah blah blah. When the threats didn't work, they rushed me off the phone, no longer wanting to talk.
Never be a fool for these people like I was.

Just ignore these calls, don't call them back!

Don't waste your time or money talking to a lawyer.

i got one to and stated that i owed a lot of money and that he was going to the courthouse iam having my lawyer to look into it , i also got a call from8186653317

This should be stopped and they should be locked-up!  They had too much of my information.  Where can I go to protect myself

I just got the same call. What is this all about?

Please answer.

time sensitive

wow KS! This guy just called me, can I ignore it? I also do not have any loans out. This is freaky. Thanks for your advice!!

I got a call from this # 7078954746. He said it was time sensitive
for me to call back.  If I didn't call back, God Have Mercy on Me!
It is against the law not to be notified by mail about a debt.
How do you stop these calls????

I just got a call from that number but they didn't leave  a message. I also  got a call from someone from 315-663-2876 with a Indian accent telling me the same thing so watch out for that number as well.

I also recieved this message, but heard from a person named "Dan". I  tried to call them back but it just says "all circuits busy". I'm glad I read your post KS. Were you ever summoned to court over this?

I keep calls from a man who has a very heavy Pakistan accent.....(can not understand his name) says he needs to be called by my attorney or me and it is important who I WILL STRONGLY REGRET NOT RETURNING HIS CALL AND GOOD LUCK TO ME FOR WHAT IS GOING TO HAPPEN TO ME IF I DON'T........CALL BACK THE NUMBER IT SAYS ALL CIRCUITS ARE BUSY........WTF. VERY CONFUSED. He did kind of scare me at first until I looked the number online and seen everyone elses comments.

same as the above...it did worry me because I have gotten a few payday loans.

just got the same message as all of you did.  i am reporting it now

Got a call from this number from Dan 2 times when I callled back it was all circuits busy then I did get through, and the transferred me to a Mike Anderson and said I was being sued for loan payments not  honored by my bank and when I asked what court they said the superior court of my state.  Obviously they do not know what they are talking about because when I asked questions the person got very very irrate.  I looked up the name given to me and there is not a Mike Anderson there.  Also the company they told me I had loans with I have never had a loan with!

I got a call from some such as this person  (C) reported as follows:

Received a call that sounded very off. Some of the words he said I could not understand because he was foreign.

Call from 707-895-4746 at 2:05 p.m CT Oct 8, 2010:

Male voice with accent ? ?My name is Dan. The very second you receive this message I need you or your record of attorney of  to return this call. The issue at hand is extremely time sensitive. The number to my division is 707-895-4746. I repeat it is 707-895-4746. Don?t disregard this message and do return the call. If you do not return the call and we do not hear form your attorney either, only thing I can do is to wish you good luck as this situation unfolds on you. Goodbye.?

I received two phone calls on the same day (October 8, 2010).

Oh my goodness, I received two mvoicemail messages from this number today. The messages were strange b/c they never actually said who they were calling for. I called the number back and they had all of my personal info such as social security number, address, current bank, and employer. They told me that I received a loan on my bank account but the time frame that they gave me was bogus. I did not even bank with this institution at the time that they are talking about. They told me that I would be arrested tomorrow! This wsa a very scary thing for me, because I knew that this wsa not me but they were so rude that they would not listen. I am glad that I decided to type the number into google to see if I was able to obtain any info. I contacted my bank and they are actually doing an investigation on this matter. This is so scary, someone definitely needs to do something about this. The voicemail that I received is listed below:

The very second you receive this message I need you or your attorney of record to return this call. The issue at hand is extremely time sensitive. The number to my division is 707-895-4746. I repeat ? it is 707-895-4746. Don?t disregard this message and do return the call. If you do not return the call and we do not hear form your attorney either, only thing I can do is to wish you good luck as this situation unfolds on you. Goodbye.?

on oct. 5 ,2010 i received 5 calls from this same number. the first was at 8:20am , 8:31am , 10:48am,11:00 am. on the fourth call the person calling told me i could go stick my p***s in my moms a -- .... i found out this phone number is coming from somewhere in santa rosa ca. i plan on pursuing this and if i can not get any help from the BBB or the fcc i am going to take it in to my own hands . I am prepared to go to were ever they are and dill with it due to the fact this great country cant seem to take care of any problems at hand we all need to stand up for our selves. no one else is going to

i received a call this morning. I told them I had no loans from that company. I asked to speak with a supervisor and was told they arent a customer service company. If they are working to resolve a dispute, shouldnt they be? I was told he,christopher, would see what he could do and call me back. So far, no return call. He did have me scared for a minute until I googled them.

I just got the same message just a few minutes ago and he said his name is Jeff  and left the same message. I don't answer the phone if I don't know the number, so he left it on my voicemail on my phone
I have already went to the police and made a police report so the are not suppose to call me at home or at work and i went through the Better Business Bearu. They need to quit calling all of us they won't get no money out of me. My husband tells me not to worry about it because I have a 3 year old so they need to back off they will be found

This must be the week for them to call people in MD BC I just received a call with the exact same message Male voice with accent ? ?My name is Something.  The very second you receive this message I need you or your _(weeping?) attorney of (record)?_ to return this call. The issue at hand is extremely time sensitive. The number to my division is 707-895-4746. I repeat ? it is 707-895-4746. Don?t disregard this message and do return the call. If you do not return the call and we do not hear form your attorney either, only thing I can do is to wish you good luck as this situation unfolds on you. Goodbye.?  I calld back from a blocked number and it rings busy!  Well now I see its some crazy scam I will not worry about it.

Today is 09/29/2010 I also live in Maryland and I have 2 voicemals from them. It is an Indian ma asking for a wheeping attorny very important.... I have not answerd yet and I dont plan on answering.

I received oe those calls today with the exact same message. Except his name was Dan..I live in maryland. So who should I contact?

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.

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

OMG!  This caller left the exact same message as below.  I have gotten numerous calls from these Indian sounding people from different numbers.  This is such a scam

Got the same message today!  I thought he sounded very rude on my voice mail and was very threatening so I did a search on the web and found you guys.  Do you know who you can file a complaint with?

I too received the same message today, 9/27/2010, but from Christopher.  It is a total scam and I have received them before but from different numbers.  They change numbers often.  They had all of my information including my bank account number and my SSN.  So I changed my info at the bank and spoke with the FTC, BBB, and filed a report with the credit bureau's.  Just remember to NEVER actually confirm or deny any information and NEVER EVER give them money.