just whatever you or anybody does DON"T give them your correct information under no circumstance, even if you have to lie make up something to get them to leave you alone.

http://www.dcicollect.com/contact/dci-contact.html , http://www.ripoffreport.com/r/Diversified-Consultants-Inc/Jacksonville-Florida-32256/Diversified-Consultants-Inc-Debt-collectors-bullying-and-threats-Jacksonville-Florida-542778 , http://www.yelp.com/biz/diversified-consultants-inc-jacksonville ,

Demand a legitimate, physical address in which to send a cease communication letter VIA certified mail with return receipt requested. This is your right under the FDCPA. If they refuse, let them know you will be seeking legal counsel who will get it for you and will be filing a lawsuit for harassment.

What do I do if these people are still calling my work and supervisors. they are getting me in trouble but I have told them to stop calling. our receptionist can not just ignore the calls that come into the office. please advise

Oh and also Joey I need your name and information or I will be at your place of business the following day of this message! You will pay me money you don't owe and I will continue to bother you until this issue is resolved!!

I do work for a living thank you very much and work ungodly amount of hours and sometimes I don't make it home during the week. Oh and also I am a veteran of 14 years so do yourself a favor keep the comments to yourself if this has nothing to do with you!

Received a phone message on my cell phone from a lady named Angela leaving a message for a Theresa Butler, who stated that I needed to contact her within a timely manner or her client would assume that I did not want to cooperate and would release information to my employer.  She stated to reference file number 384260.  The call back number was 716-748-8062 which matched the number on my caller ID.  I called back and Angela stated she was with PRG.  I gave her the reference number and told her that I have never heard of Theresa Butler.  She stated that she would remove my number...we will see.

The number came in as 716 748 8700 but to call back at 866 315 2804 ext 309.-there is a case of check fraud tied to my name and ss# and myself or my legal council is to call her back. Funny thing is I haven't written a check since my husband was alive and that he has been deceased for many many years and there were never any bad checks. She gave the name of Kesha Morris. They keep calling my daughter's number also, I can just imagine who else they call. Funny thing is when my attorney calls them they call him a liar too. These people need to be stopped.Kesha did not give the name of her company.

I got a call but did not answer my cell as I did not recognize the number.  They did not leave a VM.  I've read the comments here and the harrassment the posters have gone through is ridiculous.  You cannot go to jail for unpaid debt.  They prey on senior citizens, threaten them and scare them to death.  They are the nothing but low life scum!  NEVER give any information to people that you are unsure of, if they are legit they won't yell and curse and threaten you.  

These people are absolute scum, totally scammers. Just ignore their calls and report them to your state's AG. They reference some phony case and want your SS number.  These people are absolute bottom feeders.  

I recieved a call from 716-748-6879 telling me they will be at my job or my house to serve me papers on Thursday when the call came through it showed up as no caller Id and a woman left a message

I HAD THIS COMPANY CALLING MY SISTERS AND MOM TELLING THEM THAT THEY WERE AT MY HOUSE TO SERVE ME A WARRANT ANT THAT I WAS GOING TO NEED BAIL MONEY IF THEY DID HELP ME OUT! I CALLED AND TRIED TO SEND LETTERS OF CEASE AND DECIST BUT WERE UNCLAIMED CERTIFIED MAIL!  MY ATTORNEY TRIED AS WELL.  I DONT OWE THEM ANY MONEY THEY ALSO CALLED ONE OF MY SISTERS AND CLAIMED TO BE A FBI AGENT.  I HAVE FILED REPORTS WITH THE FBI AND STATE AND COUNY ATTORNEY GENERAL!  I DID NOT HEAR FROM THEM FOR A YEAR AND A HALF AND IT STARTED BACK UP!

Caller called today stating that they were serving paperwork to me. I told them that I know it is a scam and I will call someone. They called back and assured me that it was a scam. I told them that I have a brother - in - law who is a magistrate and that I know this is a scam. They stated they were going to be at my house today between 2 - 3 because I was rude and insulted their intelligence. Nice huh! Merry Christmas to them too!

They keep calling all my family trying to collect a debt from me!!SCAMMERS

I got a call from 716-748-6879 saying they are serving me with papers and coming to my job.

They keep calling asking for my ex daughter in law.  She is not here, has left town and we are not responsible for her debts.  The scary thing is they know all my family's names and this guy, James Simms, kept asking about them.  I told him my husband wasn't related to her either, then he asked after my son in Texas.  I asked how he would know where she was, Texas is a long ways away.  He said, "Well, Martha I think you are a liar!"  I said f*** you and hung up on him.  I owe no debt, yeah the ex dil probably does, but they are illegally harassing me and my family for her debt.  Never signed any of her loans, thank goodness-too smart for that!  As soon as the government opens up again I will be reporting them.

He called asking for my ex daughter in law.  When I told him she didn't live here and wasn't related to us, he started naming my family members (scarey!) and asking if he could talk to them, even my son in Texas.  I asked how he would know where she was, she left town, he called me a liar.  I violated my own foul language policy and told him what he could do and hung up.  Going to complain to the FTC if the government ever opens up again.

THESE PEOPLE HAVE CALLED MY WORK EVERYDAY AND ASK TO SPEAK WITH MANAGER.  WHEN WE TOLD THEM THEY HAD TO GO THROUGH THE SECURITY FOR SERVE WITH PAPERS THEY HUNG UP THE PHONE

716-748-6948 APEX HOLDINGS.  This is not a real company - they change their name to avoid being found. They also change their phone numbers, and also Spoof numbers on your caller ID. Real Low Life. Here's the lay of the land as they say, I work in the court system so I will go thru this for you .

First they are calling because they say they can not find you. This is Crap as the sheriff, will NEVER, EVER call you to tell you they are coming. They live to work on the element of surprise. Plus if your township, county etc, wants you, they already know where you are, so sit tight.

Second, and most important, NEVER CALL these low life bottom feeders back.  Because truth be known they don't care who they talk to as long as they can get money from someone. It doesn't even have to be the right person. If you call them back then they know that they have a real tangible working phone number that they can call to harass you all the time of day and night.  Just ignore the call, or better yet, tag them as a spam call in your phone, and you'll never even see them ring it.

Third, these people function and live on the *Fear factor* they will say anything,  tell you anything to get you to give them the money thru your checking account, debit card or credit card.  Many people get scammed this way. I've heard : coming to your workplace to arrest you, serving you in the morning if you don't call by a certain time, attaching your salary, etc, etc, this is all nothing but crap.

Fourth, in most states payday loans are ILLEGAL as they charge obnoxious interest, and states are trying desperately to control that.  Since I'm not sure of what state anyone is in, I cannot site them all here, but if you go to your states attorney general page, you should be able to look up the laws.

Fifth, I know it sounds nice to send them a letter or report them, but this is a futile. They have got this to a science.  With all that is going on in court system they know they have time on their side.  Not enough of these low life bottom feeders get caught and prosecuted, if they did...they wouldn't still be in business, but they are, thousands of them.

Lastly, anyone who posts that you are scum or a deadbeat PAY YOUR BILLS , OR OMG  they came to my place of work and arrested me, are full of crap and are just trying to SCARE you, SEE MY THIRD NOTE Above, Fear factor.

Best thing to do in this case, especially with these people is TO IGNORE. Eventually when no one engages with them they will go away to torment someone else.

Hope this helps you all out.

One who knows.

I searched this phone number 716-748-6948 and this is the forum that came up.  I hope I can help someone else that has the misfortune of dealing with APEX HOLDINGS.  This is not a real company - they change their name to avoid being found.  I was threatened with criminal charges for defaulting on a payday loan.  First of all - I did default on this loan but did eventually pay it off.  2nd of all - Collection agencies in NY state are NOT allowed to collect on payday loans!!!!  Here is an alert that the BBB is issuing:
"BBB has seen a major increase in collection agencies starting business in the Upstate New York area over the past several years. In an effort to keep consumers informed about which collection agencies are operating in accordance with federal and state law, we have asked for specific information from all collection agencies located in our service area, including proof of licensing, bonding, and or registration required by NY state or other governments where the business is located, as well as proof of licensing required by any state in which the business operates. This collection agency has not responded to our requests. BBB advises consumers to be aware of their rights in regard to collections. This includes New York States law prohibiting any collection agency from collecting on Payday loans in the State of New York. The Fair Debt Collection Practices Act (FDCPA) outlines prohibited behavior when attempting to collect a debt, and outlines specific rights for consumers. There are penalties for agencies found in violation of the Act. BBB advises consumers to become familiar with their rights under the Act, which can be found at the link below: http://upstateny.bbb.org/storage/75/documents/debtcollection.html"
Last but not least - Collection agencies that use threats and intimidation tactics are violating the FDCP - Turn them in!!

If you called and left a message to pay and no one calls you back, it's a SCAM!!!!!!!!

You should not represent yourself Pro Se on these cases.  The FDCPA provides for attorney fees if you win.  You should find an attorney that will take this on a contingent fee basis.  I would recommend going to www.naca.net and looking for an attorney in your state that specializes in going after collection agencies.  Do not hire one unless they agree to pursue it on a contingent basis.  Good luck.

Got This today -- if nothing else the grammar would indicate it isn't legit.........

This message is intended for us, That's, and banker just my name is Ms. Brown contacting you. ON behalf of the investigating Department of Energy and associates in reference to a complaint. How To Get Your Social, ending in 2114. Due to the breach of contract that you have come in at this point. It's imperative that I speak with you or your legal counsel to discuss the allegation Center here in our office against you, to move any further information from being sent to your employer tickets further because or presented in clay the city Illinois' attorney Court, text me today or if you have an attorney forward my information to your attorney. My direct rubber is (716) 748-8062 my toll free number is (888) 583-1164. My extension is 301 when you return the car. Refer to File Number, 299673 Thank you and good luck.

They keep calling and harrassing.  They are asking for someone I dont know.  They called 18 times in 3 hours and filled up my voice mail.   I cleared out my messages and they called again left harassing messages my voice mail was full.  They said they are a local carrier but they are calling across the country and needed a current address.  Hello? I'm disable!

Called my cell (using 716-748-8211) - shows up as a missed call - thank God, since it
seems a LOT of people got called by these "people", for apparently illegal purposes.

I get several calls a week by "unknowns", and they all fall under the same pattern.

If I do manage to answer, they usually answer in a foreign accent or a different language
than English, and I *(usually!) politely tell them they have the wrong person, and that they
do not have this number right. They usually say something else, and I politely remind them
not to call me again ... and then I get another call by a different number !

Persistant buggers, but there ought to be a law ...

yep, got a call from "mark logan" threatening to call the "authorities then hung up when i gave him some guff.  this guy is is a real winner.

B***s***vir not

They called me and said my wife owes money and if she does not pay she goog to get locked they left me a message saying it too mark Logan then a lady named michell is answering the phone I told her y is he threaten to come too my job she said he didn't say that I told her I have the message then she ask do u wana speak to him I said yes she transfered firs the guy acted like markogan then I said I was going tpo report him he said he is not mark Logan hes name Anthony I said ut voice sounds just like the guy then I hung up called the other number he picked up mark Logan same guy I told them I'm just guns report u guys he got mad said ut wife just guns get locked up when he said he was an officer but macell said it was someone to server me with papers I called the loan company were my wife loaned they gave the number to the collection agency wich was 1800 number I called they found her they said somebody bought her info I didn't know they can do this so I called the next one they have but no answer please help thank IpleSe call 2063075561. NAmes Louis thank u

Hey Joey D. Tribbiani, they have to prove the bills are legit.  If some stranger called you claiming you owe a bill, you wouldn't pay it unless they had proof in writing.

Gee Joey.... to be such a f**king genius, I would think you could actually spell GENIUS correctly.  If you are as learned as you say, why can you not do any better than Taco Bell????  Oh that's right... you are in the nut house right now.  Hmmm... who's the piece of trash now?  Who's footing the bill for your sorry a** to sit around in group therapy all day, taking meds and drooling all over yourself.  I have some advice for you... don't write checks your sorry a** can't cash, don't pass judgement on others you have no knowledge of, and know what the hell you are talking about before you ever open your sorry excuse for a human being's mouth again!  My best suggestion to you would be to buy a bullet, rent a gun and put yourself out of all our misery.  Do you like being talked to like a piece of trash?  Do you like being told you are worthless and crazy?  No?  Then shut the f**k up!