I'm getting calls from a director Purell and Rebeka Johnson stating I owe a pay day loan from 2009 told me to send money gram to a Johnson and Johnson financial company in Florida and I have till noon today to pay or I'm getting served with a warrent and my probation is being violated and I will go to jail for up to two years they r spouse to call me back in 30 min what do I tell them

They called me from 6145225770, I almost feel for it.  Im glad I didn't, they messed up when they gave me jjfc llc to but as the co. name. If I'm settling a dept with an investigation, wouldn't I pay the state or gov.?Lhh they almost had me...please look for this number as well.

These people called me as well . Something about a reference case number,  threaten me with courts ..harassing horrible... David Allen  said his name was..left me a voicemail

This has happened to me as well. I was told that I owed a debt with a payday loan and that they have the information from an old bank of america account. I informed David Allen (713-904-3428), that I was in bankruptcy and that I would happily give him the number. I was then told that a warrant was going to be issued in my name for wire fraud, bank fraud and internet fraud and the authorities will be at my place of employment and will inform me of the charges. He then refused to say anything else to me stating 'The authorities will tell you' and hung up.

As I researched these practices, I have found out that this is indeed illegal. No debt collector can threaten to arrest you for having debt. Also, they cannot continue to call you if you have told them you have filed for bankruptcy or if you have requested that they stop calling you. Although your request to prohibit them from calling you needs to be in writing and sent certified it might be will worth it! Lastly, if they continue to harass you with empty threats you do have rights. You can record the conversations every time they call, submit the recordings to the courts and even some government agencies. By doing this you will cause them to have charges pressed against them, sanctions and you can sue!!!

They sound so convincing they have social number to references of people I know. They even gave me a bank account number with Bank of America and wanted me to walk in a payment and do an out of state deposit. I know that I can't be arrested for this but they sure do sound so convincing even went as far as saying once I pay this I will get a letter in the mail and that I will have to carry it on me for maybe a month so I get pulled over the police will see that the matter was handled. Crazy

Yes its a scam, its a extortion scam! You can not be arrested for owing a debt by the way, its a civil matter, not criminal.

File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
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http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
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http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://www.fdcpa.me/fake-process-server-injunction/
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http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
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http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
*****
http://www.cashnetusa.com/consumer-notices
*****
http://800notes.com/forum/ta-4f7d326029dcf9d/ ... lectors-finally
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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.

Recieved a phone call today from 713 904   3428 David Allen was the guys name.., was then transferred to someone else. Say that I owe 568.00 for an old payday loan. Had an Address from 9 years ago. Said that if I didn't pay today then would be served with papers and will have a warrant?? They wanted me to go to a Bank of America and deposit money into an acct in Florida for a company named ORS? But called from a Tx number.. Is this a scam?

I recorded my conversation with "Dana Clark" and she really needs to work on her game. I immediately asked her for the name of her company and she misrepresented herself and stated that she was with Harris County and they were filing criminal charges. She could not even get the case correct. I requested an address and she just did NOT have one. I just played it back for my attorney and he could not stop laughing. I arrest people 5 days a week and help them fix their problems. Sounds like they need help too. What a sad existence these employees lead. They could at the least sound legitimate. I wanted to talk, I was not hostile and she still hung up on me 3 times!!! Maybe I will call back later and get a different crook.

Total scam.  Basically an extortion attempt.  Please do report your caller to the FTC, FBI and your state's Attorney General.  No one gets a heads up they'll be served, but you already knew that, right?  

Per Tamianth (regular poster):

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

For Extortion Scam Operations,  file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

You may wish to invest in a call blocker also, either device or phone..
http://www.amazon.com/s/ref=nb_sb_noss?url=se ... s=call+blockers

So I got a call today at my office, this Collins lady I put her on hold come back and the lady on the other end starts talking and I say Ms Collins, she replys that Ms Collins is her paralegal and she is the attorney but never gives me her name, gives me the case number and says if I don't back by 3 this afternoon she serving me with papers.  When I ask what loan she is talking about she is rude says she can not go into detail that I need to call her back, I told her I was into a meeting and she says what time I'm getting out I say I don't know maybe 3 maybe 4, I told that I work for a state agency and she just blew me off said she needed to speak with my supervisor I said there was not one in office, she got mad and said what do you mean you don't have a supervisor, I said lady if this personal matter you don't have to speak to anybody else and I hung up her.  She called me from (713)955-2038 and she gave me an extension 0740,  Oh and they never mentioned the firm they supposedly are representing.

Per Tamianth (regular poster):

One important thing to remember if these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
**************************************
credit reports:  Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
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How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List

http://www.ckfraud.org/penalties.html

http://www.ckfraud.org/ucc_highlights.html

http://www.ckfraud.org/depository.html

http://www.consumer.ftc.gov/scam-alerts
**********
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

Definitely has to be a scam they called me and a guy called me out of my name because I asked for documentation....Really who does that and he calls himself an Attorney. These peole are sick and need to be caught just ridiculous.

THEY CALLED AND HARRASSED ME AND THREATEN TO HAVE ME PUT IN JAIL AND ALSO FILE FELONY CHARGES FOR A CHECK kNOW NOTHING ABOUT IF I DID'NT SEND THEM MONEY TODAY...........THEY MUST HAVE LOST THEIR F****NG MINDS, SO SAD THAT THERE ARE LAZY A** PEOPLE OUT THERE THAT WANT TO SCAM OTHERS AS IF WE DON'T HAVE A FAMILY. SO BAD FOR THEM THAT I AM WAY TOO SMART FOR THE DUMB SH** FREAKING IDIOTS. BUNCH OF LOW PEOPLE, ONE DAY SOME ONE WILL GET THEY A** TEN FOLDS.

i have gotten several calls and they are asking for another person! when i ask what its regarding they say so and so is in debt and is going to get detained. i ask for what, and they say that they cannot tell me if it isnt regarding me....then why do you continue to call me! Rachel Collins hung up on me. i called back and some guy answered claiming he is the attorney and Rachel is the secretary. i stated i did not appreciate the harrassing calls and i work in a complaint office. he apologized and said she went to lunch (even though this was literally 20 seconds after she hung up on me) He also stated that these "secretaries" make $8 an hour insinuating her communication skills may lack is what i was getting. i told him to stop calling my number and that this is no way to conduct business.

5 minutes later i get a call stating that someone (person they are trying to reach on my number) is going to jail and threw out the "F" bomb at me....
1. What kind of law office only pays their secretary $8 an hour
2. What kind of law office calls and cusses at someone on the phone
3. What kind of law office is so bluntly unethical

Scam or no Scam. This is harrassment and needs to be STOPPED. i rather work at Mcdonalds with more dignity than this place!

Left a message indicating a case number and referencing a neighbor who I don't know.

I'm sorry to hear that and I am glad she is disputing it.  Thank you for posting that experience here.  This seems to be one reasons these low-life calls friends and family of their target.  The can scare them into paying.  That is not skip tracing, it is fraud and harassment

I got a threatening voicemail from this company. They said they were fraud reporters for the federal government. They said they were reporting on a payday loan I took out a few years ago and already paid. They said if I didn't pay it again I was going to be arrested. When I told them I didn't have the money they became extremely hostile. They later called my mother and told her the same BS story. She was scared and was told to pay them $500. She gave them her credit card and they ran it for $856!!!!! She is disputing it now with the credit card company but people be careful! They are a collection agency trying to scare you, and if you do pay them they do not mind taking extra money!!!!!!!

Of course he went to jail. When he drew the "Chance" card it said "Go to jail, go directly to jail". I would of sold him my "Get out of jail free card" but he wouldn't part with "Madison Avenue". I wanted that property! I'm stuck with poverty-row "Baltic Avenue" right now.

And your point is?  All this does is talk about the loan and usury rates from the loan company's whereas the shills are claiming "fraud check" charges on supposed loans and telling folks they will be arrested.  Kind of a big difference there MO..  And citing something that only involves two states is rather moot.

http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
http://www.fraud.org/scams/direct-marketing/advance-fee-loans
Payday loans
http://www.paydayloaninfo.org/state-information
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http://www.ckfraud.org/penalties.html

http://www.ckfraud.org/ucc_highlights.html

http://www.ckfraud.org/depository.html

http://www.consumer.ftc.gov/scam-alerts

http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
*****************
http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm

And really, cussing? Especially at a  highly respected member of this forum isn't going to win you any war or accolades..

Bay your bills?   What do you do toss your bills into the local bay?

Total scam.  Ignore 'em.  Report this to your local police and Attorney General.  You are not going to lose you  job  because you are a victim of an attempted crime.  You are a victim.  Report it!

Are you a shill? What on earth are you trying to say?  I'm sure the Florida AG doesn't sign off with the "f word"".

I'm hoping it was misplaced placed attempt to be helpful by someone who posted up the first search result in google.  
http://myfloridalegal.com/ago.nsf/opinions/4baf01a9e4fe5363852568d300535dd2

In any case, it was a very interesting read regarding whether or not usury statutes apply to PDL's secured with a post dated check.  Since we have a PARA LEGAL here, I'm sure she would be more that glad to talk about what usury is so I will leave it up to her.  

Inasmuch as I might not have been clear the first time ----the issue here has nothing to do with usury, it has to do with whether or not the "hot check" or "bad check" statutes of apply to PDL that are defaulted on.   (Even if one were to present a compelling argument that this is the case, then to apply said criminal law would bring in issues related to the statute of limitations for "hot checks")

Also, are you equating an advisory memo from the AG to a state level official as case law?

Cleary an uneducated collection agency. Look at the grammar and spelling of the shills on here...........People please don't be stupid to fall for their scam. Its obvious they are desperate, bottom feeder, lowlifes trying to scare you into pay something you probably don't owe. Hang up and don't talk to them.

Advisory Legal Opinion - AGO 2000-26
Print Version
Number: AGO 2000-26
Date: May 1, 2000
Subject: Usury, "payday loans"


The Honorable Robert F. Milligan
Comptroller of Florida
The Capitol
Tallahassee, Florida 32399-0350

RE: USURY--INTEREST--"payday loans" subject to state usury laws

Dear Comptroller Milligan:

You ask substantially the following question:

Are so-called "payday loans" or like transactions subject to the state laws prohibiting usurious rates of interest?

In sum:

"Payday loans" or like transactions are subject to the state laws prohibiting usurious rates of interest. A company registered under Chapter 560, Florida Statutes, may cash personal checks for the fees prescribed in that chapter without violating the usury laws only if such transactions are concluded and are not extended, renewed or continued in any manner with the imposition of additional fees.

According to your letter, a payday lender provides cash to the consumer who, in return, provides a personal check that is held by the lender for a certain time period, generally until the consumer's next payday. The check covers the amount of cash provided as well as a fee charged for advancing the cash. This office is aware that the Attorneys General of Indiana and Maryland have recently addressed this issue and concluded that payday lenders or deferred deposit lenders are subject to state laws regulating loans and setting the maximum interest thereon.[1]

Section 687.02(1), Florida Statutes, provides that contracts for the payment of interest exceeding 18 percent per annum are usurious.[2] Interest exceeding 25 percent per annum is criminal usury.[3] Section 687.03(1), Florida Statutes, states that an unlawful rate of interest exists if a person reserves, charges or takes, directly or indirectly, a rate of interest exceeding that amount for any loan, advance of money, line of credit or forbearance to enforce the collection of any sum of money or other obligation. This provision affects any rate of interest charged:

"[B]y way of commission for advances, discounts, or exchange, or by any contract, contrivance, or device whatever whereby the debtor is required or obligated to pay a sum of money greater than the actual principal sum received, together with interest at the rate of the equivalent of 18 percent per annum simple interest."

Since the purpose of usury laws is to protect needy borrowers by penalizing unconscionable money lenders, courts will look beyond the form of a transaction to its substance when considering usury calculations.[4] Thus, the mere form of a transaction becomes immaterial, and a court will consider whether the transaction in effect exacts an interest rate higher than that allowed by law.[5]

In Medina v. Lamonica,[6] the jury found that Medina had charged Lamonica a usurious rate of interest when Medina loaned Lamonica 500,000 Venezuelan bolivares and Lamonica gave Medina a postdated check in the amount of $122,000 from which the loan was to be repaid. The postdated check exceeded the principal amount of the loan in an amount sufficient to allow the jury to determine that the rate of interest was between 18 percent and 25 percent, and thus usurious. More recently in FastFunding The Company, Inc. v. Betts,[7] the court held that it should first determine whether a payday loan violated the state's usury laws before sending the case to arbitration: "If Ms. Betts is correct in her complaint that the contract violates the usury laws, then the contract is illegal and an arbitrator could not require Ms. Betts to perform under the contract."

An agreement, whether express or implied, whereby a person, rather than merely cashing a check for a fee, agrees to hold the check for a certain time period for the advance of money, would appear to constitute forbearance to enforce the collection of the money. Thus, such agreements would constitute a loan subject to the usury statutes.

Companies providing payday loan services are generally registered under Part II or Part III of Chapter 560, Florida Statutes, the Money Transmitters Code. Part II of Chapter 560, Florida Statutes, addresses payment instruments and funds transmission while Part III provides for check cashing and foreign currency exchange. Those registered under Part II are authorized to engage in the activities authorized under Part III.[8] While a Part II registrant may engage in check cashing services of the nature authorized in Part III, such activities must be consistent with the provisions of that part.

Part II of Chapter 560, Florida Statutes, the "Payment Instruments and Funds Transmission Act," authorizes registered persons to sell payment instruments and to transmit funds to another location. An examination of the legislative history surrounding the adoption of Part II, Chapter 560, clearly indicates that Part II was intended to address the registration and regulation of persons who sell money orders, traveler's checks, drafts, warrants, and checks, and persons who transmit funds to another location via wire, facsimile, electronic transfer, or courier.[9] Nothing in Part II contemplates that the act will be used to accomplish a loan. While a registered person may sell payment instruments, to the extent the transaction includes an agreement to delay the enforcement of collecting any sum of money or obligation, such a transaction would be a loan subject to the usury provisions of Chapter 687, Florida Statutes.

Part III, Chapter 560, Florida Statutes, constitutes the "Check Cashing and Foreign Currency Exchange Act" (act). Section 560.309(4), Florida Statutes, provides that, exclusive of the direct costs of verification that shall be established by Department of Banking and Finance rule, no check casher shall:

"(a) Charge fees, except as otherwise provided by this part, in excess of 5 percent of the face amount of the payment instrument, or 6 percent without the provision of identification, or $5, whichever is greater;
(b) Charge fees in excess of 3 percent of the face amount of the payment instrument, or 4 percent without the provision of identification, or $5, whichever is greater, if such payment instrument is the payment of any kind of state public assistance or federal social security benefit payable to the bearer of such payment instrument; or
(c) Charge fees for personal checks or money orders in excess of 10 percent of the face amount of those payment instruments, or $5, whichever is greater."

Rule 3C-560.801(1), Florida Administrative Code, provides that in addition to the fees established in section 560.309(4), Florida Statutes, a check casher may collect the direct costs associated with verifying a payment instrument holder's identity, residence, employment, credit history, account status, or other necessary information prior to cashing the payment instrument, provided that the verification fee may only be collected when verification is required and shall not exceed $5 per transaction. A check casher may not charge a customer more than one verification fee per diem, regardless of whether the check casher is cashing or has cashed more than one of the customer's payment instruments that day.

The Department of Banking and Finance has also adopted Rule 3C-560.803, Florida Administrative Code, which states that a check casher may accept a postdated check, subject to the fees established in section 560.309(4), Florida Statutes.

Accordingly, Chapter 560, Florida Statutes, as implemented by rule of the Department of Banking and Finance, authorizes the acceptance of a postdated check to be cashed at the end of a specified period of time. Further, the act directs what fees may be imposed. For a personal check, the fee may not exceed 10 percent of the face value of the check and the verification fee may not exceed $5. The fees authorized by Part III of Chapter 560, Florida Statutes, and by the administrative rules would apply regardless of whether the personal check received in the transaction is deposited immediately or deposit is deferred until a later date. Nothing in Chapter 560, Florida Statutes, however, recognizes that such arrangements may be deferred from presentment in order to be extended, renewed, or continued in any manner with the imposition of additional fees.[10] Moreover, an examination of the legislative history surrounding the amendment of Chapter 560 in 1994, when Parts II and III were adopted, fails to reveal any evidence that the Legislature contemplated that such transactions could "roll over."[11]

Thus, to the extent that a transaction comports with the provisions of this act, it would not violate the usury provisions in Chapter 687, Florida Statutes. In the absence of statutory authorization for these types of transactions, cashing a check or exchanging currency for a fee outside the scope of Chapter 560, Florida Statutes, would constitute a loan, subject to the usury provisions of Chapter 687, Florida Statutes.

Accordingly, I am of the opinion that a "payday loan" or like transaction whereby a company provides cash to the consumer who, in return, provides a personal check that is held by the company for a certain time period and covers the amount of cash provided as well as a fee charged for advancing the cash, constitutes a loan subject to the usury laws. A company registered under Chapter 560, Florida Statutes, however, may cash personal checks for the fees prescribed in that chapter without violating the usury laws if such transactions are concluded without being extended, renewed, or in any way continued with the imposition of additional fees.

RAB/tall

------------------------------------------------------------

[1] See Opinion of the Attorney General of Maryland to Thomas L. Bronwell, dated November 24, 1999, and Opinion of the Indiana Attorney General to Charles W. Philips, dated January 19, 2000.

[2] And see s. 516.02(2)(a), Fla. Stat., of the Florida Consumer Finance Act, stating:

"A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan, use, or forbearance of money, goods, or chooses in action, or upon the loan or use of credit, of the amount or value of $25,000 or less."

[3] See s. 687.071(2) and (3), Fla. Stat.

[4] Rollins v. Odom, 519 So. 2d 652 (Fla. 1st DCA 1988). And see Dixon v. Sharp, 276 So. 2d 817, 820 (Fla. 1973) (purpose of usury law is "to bind the power of creditors over necessitous debtors and prevent them from extorting harsh and undue terms in the making of loans").

[5] See Beacham v. Carr, 166 So. 456 (Fla. 1936)(a court will not permit the use of a form designed to evade the evident purpose of the usury laws). And see Mindlin v. Davis, 74 So. 2d 789 (Fla. 1954); Rebman v. Flagship First National Bank of Highlands County, 472 So. 2d 1360 (Fla. 2d DCA 1985); Jersey Palm-Gross v. Paper, 639 So. 2d 664 (Fla. 4th DCA 1994), approved, 658 So. 2d 531 (Fla. 1995); Gilbert v. Doris R. Corporation, 111 So. 2d 682, 684 (Fla. 3d DCA 1959); Party Yards, Inc. v. Templeton, 751 So. 2d 121 (Fla. 5th DCA 2000); Bermil Corporation v. Sawyer, 353 So. 2d 579 (Fla. 3d DCA 1977).

[6] 492 So. 2d 809 (Fla. 3d DCA 1986).

[7] 758 So. 2d 1143 (Fla. 5th DCA 2000). Judge Dauksch, in his concurring opinion, suggested that the Attorney General "may be interested" in this matter.

[8] Section 560.204(2), Fla. Stat.

[9] See, e.g., Florida House of Representatives Committee on Commerce Final Bill Analysis & Economic Impact Statement on HB 2653 (as passed by the Legislature as Ch. 94-354, Laws of Florida), dated April 22, 1994.

[10] See generally Alsop v. Pierce, 19 So. 2d 799, 805-806 (Fla. 1944) (a legislative directive as to how a thing should be done is, in effect, a prohibition against its being done in any other way; where the Legislature has prescribed the mode, that mode must be observed).


f****r

These people are just a collection agency. Threatened to send me to jail over a payday loan. Hang up and never be dumb enough to pay these SCAM ARISTS

I just wonder how old their computers are. Auto correct or even spellcheck would be a good tool for these tools if they want to attempt to play at this playground. Just sayin'

I think you hit the nail on the head!!!

Listen Sister...last I checked, the USA STILL does not put folks in jail for a debt.
If you committed tax fraud, oor child support/ alimony is owed then ok, otherwise...nah
So fess up....do you really not understand how to use cap lock or spell check
Also....ALL CAPS IS

There is a JJFS LLC in Naples FL http://www.bbb.org/west-florida/business-revi ... les-fl-90148509 Real Estate Renters wonder what debt collector network they use? Are they even legitimate? and http://www.florida-companies-info.com/jjfs-llc-3h76g/

Worry pas your head.  This happens all the time all over America; innocent people being harassed by button head cube dwellers in a boiler room off shore somewhere.  Proof of debt is up to them, not you.  There is nothing they can, or will do to you without going through the process, a process which is set up to protect the consumer, that means you.

http://800notes.com/forum/ta-5d5603d1d3b5544/how-to-know-scam-pay-day-loan
http://800notes.com/forum/ta-6be3109428f47e8/payday-loan-collection-scam