I received a call from these people. They are using multiple phone numbers as well as different business names.
The business name that they used to contact me is WFG & Associates.
I received a call like everyone on here stating that I was going to be served papers at my job. I told the woman that I would sue if they showed up at my job. She said they'll do what they want and that she didn't feel like arguing with me. She gave me a number to call 855-221-2522 and a case #. I called the number and spoke with a Mr Brown and Mr Alexander both who threatened with law suite and wage garnishment or bank garnishment. I talked him into sending me an e-mail of what I owed. While I had him on the phone he asked me to pay almost 1500 by credit or debit card, I told him no way and any payment that I make would be by check sent registered mail.
This gave me enough time to get home from work and do enough research to really know if they're legitimate.
Turns out the address that they gave me comes up as RS & Associates. Neither of these companies are registered with the BBB. So I sought legal council that evening.
While I'm waiting for my lawer to contact me this next week. I did a lot of research on legal websites and found the information that I needed to compose a letter to this place.
In this letter I'm asking them for Validation of the debt to be provided to me as my right under the Fair Debt Collection Practices Act. 15 USC 169g Sec. 809 (b) and the Texas Finance Code (Chapter 392.202)
    I specified in the letter that they are to provide me the following:
What the money you say I owe is for
Explain and show me how they calculated what they say I owe
Provide me with copies of any papers that show I agreed to pay what they say I owe
Provide a verification or copy of any judgement if applicable
Identify the original creditor
Prove the Statute of Limitations has not expired on this account
Show me that they are licensed to collect in the state of Texas, providing me their license numbers and Registered Agent
   I went on to advise them that durring this time they are not to contact me or my employer and that any phone contact or call at any capacity would be considered harassment that would result in legal action against them.
The letter states that they have 30 days to comply with the request. If they can not provide sufficient evidence that they are then required by the FDCP and TFC to remove all negatively reported credit from all three credit bureaus. Failure to do so would result in legal action against them for
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Violation of the Texas Finance Code (Chapter 392.202)
Defamation of Character

So my advice to everyone would be to get them to send you something initially that way you have something in writing that you can respond to by registered mail. I say this because after talking with the lawyer and from the legal websites most all of the information that I gathered stated that written documents stand up better in court as well as phone records and messages that they leave on voicemail.
Sure I'm sending my letter registered mail, but one thing for certain is it's not the 1500 dollar check that they're expecting.
For those of you who did pay them money, you should seriously seek legal council as the law states they may not threaten you when they call you, this includes they may not threaten wage garnishment, bank garnishment or seizure of properties unless the default is student loan, mortgage or child support.
Ya'll take care and God Bless

did u ever get that money back please let me know?:-(

its a scam dont pay a dime i received a letter also and payed them more than a thousand in payments too bad i figured it out too late :-(

yeah same thing happened to me i paid more than a thousand though anybody know if ill get it back after i disputebit

I have had all these things happen to me I got a private name saying I was being served and then we spoke to a lady on the phone who tried to tell methat mu daughter was my co signer on this credits card from HSBC which threw up a flag to me cuz my daughter a the time was only 14, now today i just recieve a letter in the mail with directions on payments and how much to pay and when or my checks would be garnished as well..How do I find out if its a scam.??? HELP!

I recieved a call from these people and was told i had to pay 1000.00 and I agreed to it, 5 made a payment and then went to the hospital, now I get a call 3 months later and it has now gone to we are serving you because yo fall under the hot check charges ..now they want 10,000.00 plus attorney fees. I called the District Attorney and they said to ignore the calls and do not send them anything... the debt is over 7 yrs.

They called me from 714-453-1938. I did from above and first the guy picked up saying "Corporate office". I stated I wanted the Bar Car number and Bond Information. He asked for "what business"? That kind of confused me but then I said RS Associates. He asked for my name and I said "no name needed". He asked if I had a case with them and I stated I just wanted that information. He then said he was putting me on hold to transfer me but he stayed on the line for a good 2 minutes (I don't think they realize when someone is on hold there is a beeping on their side). I was then put on hold, but not transferred. Someone by the name of "Mr. Ortiz" picked up. I asked for the same information. He asked for my case number or name and I stated i just wanted that public information. He said that they only worked with financial businesses so if I needed it they needed my name. I again asked for that public information and he interrupted me stating that if I needed it then he could only give it to me if i had a case with them.

I told them that if they would not give me that public information then I would report them to the FTC as they were a scam and hung up.

There's a post under the number 714-453-1938 in the last 24 hours when you search on google stating they were served at work. I'm waiting to see if that's a legit post or just a fake one by the company.

If these jokers call, ask for the attorney's Bar Card number, and Bond information. If the person on the phone says they do not have that information, it is a 100% SCAM! Every law office in the country has that legally required information posted where any employee can readily access it.

If they do give you their information (which will probably be false), politely tell them you will have to verify that information and to send you their letter of intent in the mean time..... as dictated by law, if you request it. Always get it in writing. (any daytime "Judge" show tells you that).

Every legitimate law office expects you to ask for that information, and to send out a copy of their claim in writing.

If the person to whom you are speaking gets even a little belligerent, then you are not speaking to anyone from a law office, that is for sure. No attorney would hire someone like that.... ever!

Although i found comments really helpful i have to say that if the Ron White guy told you to call the bank then wouldnt that make it seem like less of a scam? Im just asking because i got the same call and havnt called back yet. Im going to ask for there business license to verify there company and call the bank if its about a old debt.

Did they ever return any of the money they collected from you or did the bank?

Anyone knows who this is?

I just spoke to a Ron White from RS & Associates and he stated there was an outstanding debt and they were going follow with a lawsuit from HSBC for $1,394 and the initial amount was $750. He kept dropping the word "court," "judge," "settlement" and to call the bank and I told them I couldn't find any information about RS & Associates on the internet and he said if I did, it would just be about complaints because they are a collection agency/processor. I'm glad I found this thread b/c I felt like it was a scam a long time ago.

Did u received anything i got the same call yesterday

Have you heard anything from them ? They did the same to me and i ended up paying them $600.00 :(

Have you heard anything back from these people?  They also called my phone several times and the office at the apartment I live at!!  I have already paid them 100.00 but if this really is just a collection agency I am changing my credit card.

Received a call from Mr. Meyes with RS & Associates (RJ Salgado Law Office) and a call from some private number stating they are serving me with papers today at 1:00 pm and if I'm not here to sign I would be filed on as "Failure to Appear".  Mr. Meyers stated they wanted $10,680.00 from me to settle this lawsuit.  I started to sent them money to settle until reading all these complaints regarding this company.  The number that I was called from was 714-453-1912 and 714-453-1922 out of Orange, CA.  Mr. Meyers wanted me credit card number or my debt card number and I refused to give him any account numbers.  They voice messages on their phones stated they are a law office as well which is against the law for false advertising.

I was going to settle this for $3,500 until a friend of mine told me not to pay a dime because it was a collection agency and a scam.  I googled it again and found these complaints so they will just have to serve me papers before they get anything.  Thank goodness I did not do as I told him I would do.  I am calling back this evening and leaving a voice message for him letting him know that I know he is a collection agency and it's against the law for them to scam people like that and state they are a law firm and I've spoken to my attorney who advised me not to give a dime until I get paperwork regarding this lawsuite.  I'm not sending them a dime!  Also that I live in Texas and he cannot garnish my wages unless he is IRS or for child support.  I'm going to let him know to delete my number from his call list and never call this number again or send me any emails!  I'm going to also report these people to the BBB.

Yea I got the same call only prolbem was I paid out 100.00 befor I discovered it was to late. Should have followed my gut,wont do that again.

Bank advised to cana. card have new one sent so I did so,they wont get anything more, I did however call them back(from pay phone) and told them I knew it was a scam and one once the funds cleared I was having it tracked and disputeing it, my bank said sometimes if they know that while it takes a few days they reverse the withdrawl and goaway cause it's brings alot of prolbems from them.

I received a message on my phone about a law suit as well... I contacted my attorney and he gave me the ammo necessary to deal with these clowns... I told them they were required to send me all paperwork regarding this suit and the correct spelling of their law firm at which point they said the suit was transferred to another law firm and hung up on me

Can you say SCAM

Anybody find out about this? I received the same call. I googled RJ Salgado Law Office and the phone # is different. I think this is a scam. I'm not calling either # unless I get other correspondence.

ive recieve a call too from this number about a law suit!!  but didnt realy believe it!!!!  ????? anybody else know about this????

Derek Johnson from RJ Salgado said there is a pending lawsuit against me. Said I should call him if havent received paperwork.