I have been getting the same calls and when you ask them for their physical address, they get more angry

I have been getting this also.  They said they were from Morgan and Morgan law firm and claim I am have done illegal activity and that my SSN will be blocked, etc.  I have had payday loans in the past, but don't recall not paying one off.  I asked them to send me proof of the bill and they sent me an attachment (invoice) that looked made up with my name, an invoice number.  Who are these people?

WHO ARE THEY?

These people have called me too....OMG how do we stop these idiots? They have called me several times and threatenrd to go to my work with court papers if i did not pay them money..

707 681-6538  they are scam...dont pay anything to them....

(760) 514-0141 and (707) 681-6538
Inv Cash Services Inc.
Address:
58 Bowls Drive,
Ajax, ON, L1T 3Z1.

Email: invcashservicesinc@gmail.com
Company Fax: (646) 861-5983.

UK Office:
72 High Street, Haslemere, Surrey GU27 2LA

Head Key Operations:
Mr. Jack Smith
Email: jsmith@invcashservicesinc.com

called saying that my ssn and other personal data had been taken under control but would not state what control or why.  Wanted to help but only ask for more information.

same crap for me the threaten you, will not give any info and and hang up or get very upset when you make questions for them .

i got a number from 717 283 1070 they said their name was mike stone with law and investigation said they not out to get my money they knew all my information said that a loan i got has put a lawsuit against my name and they trying to help me before it get sent to the courts they gave me a number for me to talk to the loan people myself the number is 866 990 6933

They have been calling me for months now.  Just again today.  I spoke to Marcus, Jack, and 2 others. They all say I have taken a payday loan which I have not and have the proof.  I asked for the name of their business and was given a different name 3 times.  The usual is American Legal which is not heard of by the Better Business Bureau.  I also asked for their Tax id # - I got 4 different #'s and you could tell they were making it up as they went along.  I was told to F--- off by 1 and called a F---ing b***h by another person.  Hung up on 6 times.  I did call the Better Business Bureau today and she said that all of these calls should be forwarded to the Federal Trade Commission at 877-438-4338.  Why is it that a company named American Legal has no one that can speak English there?

Who is this.  They say I have cash advanced money on the net.  I have not.  Indian accent and got very upset when I drilled him with questions

I got a similar call. but i'd like to know how they got my information.

I have been getting phone calls from this number for about a month.  They are threatening to put me in jail!  They say that my social security number has been blocked by the US government.  What does that mean?  This man has cussed me before and will not leave me alone!

i just got a call from that number to my CELL phone #!!  really!!  and this guy had the last four digits of my SSN# and wanted me to verify with them the rest of my numbers and i asked who he was and could barely understand him he had such a thick accent (mideastern).  he also said my SSN was being blocked by the US government and a bunch of other stuff.  He said his name was Steve (yea right) and her was from American Legal something and i asked if it was an american legal whatever why does it sound like a call center and how is it if I'm getting sued by this company that i've never heard of that i supposidly have a payloan with (even tho i've never had a payday loan) then why is someone not even from this country calling me and why i haven't i gotten legal papers in the mail.  he got upset with me and told me I needed to varify my information with them.  i was like I'll have MY lawyer call you and he hung up.

I had called back the number that I had just gotten a call from that number - heavy heavy India or Pakistan accent, wanted to know my phone number, and then asked if I was Margarita (unintelligible)... when I told him no, and to remove the number from the cell bank he hung up on me...

I KEEP GETTING THESE CALLS FROM A DARYL JONHSON BUT THIS GUY HAS A HEAVY ACCENT CAN BARELY UNDERSTAND HIM. GET THESE CALL AT LEAST TWICE A WEEK. THAT I OWE 386 DOLLARS FOR A PAID LOAN. NEVER HEARD OF THE COMPANY THEY SAY I HAVE THIS LOAN WITH. DONT KNOW HOW THEY HAVE ALL MY INFORMATION BUT I TOLD HIM SEND ME SOMETHING IN THE MAIL AND IF I OWE IT I WILL BE HAPPY TO PAY IT. BUT I KNOW I DONT AND HE GETS UPSET CUZ I TOLD HIM TO SEND IT AND TELLS ME THEY DONT SEND ANY THING OUT. THEN I TOLD I DONT KNOW HOW YOU CAN SAY THAT A LEGAL ACTION IS BEING TAKEN AGAINST ME. CUZ IF ITS NOT IN WRITING THEN IT NEVER HAPPENED TOLD HIM I TURNED IT INTO MY LOCAL POLICE DEPARTMENT AND HE TOLD ME HE HAD THE FBI, ATTOUNEY GENERAL AND WHO KNOW WHO ELSE IN HIS POCKET SO I TOLD HIM WELL UNLESS I SEE SOMETHING IS WRITING IM NOT PAYING S**T, AND NOT GIVING THEM MY INFORMATION. ONCE EVERY THREATEN TO TAKE ME TO JAIL SO I TOLD HIM I WOULD WAIT FOR HIM. HOW THEY CAN ARREST YOU ON A CIVIL CASE IS BEYOND ME. LIKE WE DONT KNOW OUR RIGHTS. SICK OF THE CALLS BUT NO MATTER HOW MANY TIMES I TELL THEM THEY KEEP CALLING. IF ANYONE KNOW A WAY TO STOP THEM PLEASE LET ME KNOW.

I got a voicemail on my cell phone from a man name David Jackson of American Legal Processing Division. He had my address and last 4 digits of my social security number. He had a very heavy mideastern accent. I know this is a scam because I don't have any outstanding debt. Therefore I am not calling him back, but I am reporting it it the FTC and Attorney General.

Keep getting calls to my phone from these clowns, they can't even speak proper English, what a bunch of clowns

this number 717-283-1070 called me today, twice.. claiming to be a Matthew Gomez from National Finanical Fraud dept. saying there is a lawsuit against me.  i get these calls all the time, I hang up when I request info , they want send anything.

this number 717-283-1070 keeps calling me demanding i owe them money because of a payday loan i have asked them 4 times for the date of this transcation and the amount the have not provided me with any information at all. I told them that i have the right for this info the say go to bank get copies noone can speak english and will hang up on me when i start asking questions it is alittle bit annoying !!!
The are working a scam and some people really get scared i am sure this is sad !!!

They have been calling me for months now.  Just again today.  I spoke to Marcus, Jack, and 2 others. They all say I have taken a payday loan which I have not and have the proof.  I asked for the name of their business and was given a different name 3 times.  The usual is American Legal which is not heard of by the Better Business Bureau.  I also asked for their Tax id # - I got 4 different #'s and you could tell they were making it up as they went along.  I was told to F--- off by 1 and called a F---ing bi*** by another person.  Hung up on 6 times.  I did call the Better Business Bureau today and she said that all of these calls should be forwarded to the Federal Trade Commission at 877-438-4338.  Why is it that a company named American Legal has no one that can speak English there?

I KEEP GETTING THESE CALLS FROM A DARYL JONHSON BUT THIS GUY HAS A HEAVY ACCENT CAN BARELY UNDERSTAND HIM. GET THESE CALL AT LEAST TWICE A WEEK. THAT I OWE 386 DOLLARS FOR A PAID LOAN. NEVER HEARD OF THE COMPANY THEY SAY I HAVE THIS LOAN WITH. DONT KNOW HOW THEY HAVE ALL MY INFORMATION BUT I TOLD HIM SEND ME SOMETHING IN THE MAIL AND IF I OWE IT I WILL BE HAPPY TO PAY IT. BUT I KNOW I DONT AND HE GETS UPSET CUZ I TOLD HIM TO SEND IT AND TELLS ME THEY DONT SEND ANY THING OUT. THEN I TOLD I DONT KNOW HOW YOU CAN SAY THAT A LEGAL ACTION IS BEING TAKEN AGAINST ME. CUZ IF ITS NOT IN WRITING THEN IT NEVER HAPPENED TOLD HIM I TURNED IT INTO MY LOCAL POLICE DEPARTMENT AND HE TOLD ME HE HAD THE FBI, ATTOUNEY GENERAL AND WHO KNOW WHO ELSE IN HIS POCKET SO I TOLD HIM WELL UNLESS I SEE SOMETHING IS WRITING IM NOT PAYING S***, AND NOT GIVING THEM MY INFORMATION. ONCE EVERY THREATEN TO TAKE ME TO JAIL SO I TOLD HIM I WOULD WAIT FOR HIM. HOW THEY CAN ARREST YOU ON A CIVIL CASE IS BEYOND ME. LIKE WE DONT KNOW OUR RIGHTS. SICK OF THE CALLS BUT NO MATTER HOW MANY TIMES I TELL THEM THEY KEEP CALLING. IF ANYONE KNOW A WAY TO STOP THEM PLEASE LET ME KNOW.

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

I have been targeted by these jerks more than once now. They threatened police on my door step and that I have done criminal charges and that I am going to jail. I am tired of this I wish they would just leave me alone. They quoted my SS#, my bank account etc. This is very scary. They are all of a middle eastern accent. Someone needs to catch these people yesterday. Any help I can get please let me know. MDThomas

PROTECT YOURSELF!  IMPORTANT INFORMATION YOU MUST READ ? HOW THE SCAM WORKS AND WHAT AGENCIES TO REPORT THEM TO

LONG RUNNING AND KNOWN SCAM ? ALL OVER INTERNET AND NEWS FOR  2 YEARS NOW


Fake Debt Collectors ? Terrorizing Consumers

http://abcnews.go.com/Business/story?id=5621205&page=1


MORE ON FAKE DEBT COLLECTORS
http://800notes.com/Phone.aspx/1-904-425-9141
http://www.thepittsburghchannel.com/call4action/17285785/detail.html
http://www.800helpfla.com/newsletter/2008/092008.html
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html  

http://consumeraffairs.com/news04/2010/07/video_bill_collector_scam.html  NEWEST CONSUMER ALERT ABOUT THIS SCAM WITH VIDEO!  

http://www.wvago.gov/internetloanscam.cfm
If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):
1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.
2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.
3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.
4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov
5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:


http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer false postings as Karen Miller, Chichi and Tom Little
http://800notes.com/Phone.aspx/1-561-300-8018   Scammer false postings as Marco Polo (real original)
http://800notes.com/Phone.aspx/1-877-226-7488   Scammer false postings as SAM, David S
http://800notes.com/Phone.aspx/1-888-706-7463   Scammer false postings as George
http://800notes.com/Phone.aspx/1-209-349-7382   Scammer false postings as Towanda Robinson, Shannon Walsh, Jack Dawson and Cynthia
http://800notes.com/Phone.aspx/1-760-514-0132   scammer false postings as Suzy01, Johanna Hall, Cindie McMellon, Michael Dublin, Mark Williams, Carol and Rio   (800notes removed some of the scammers posts because the all came from the SAME IP ADDRESS)
http://800notes.com/Phone.aspx/1-209-797-2212   scammer false posting as Jaison Connar
http://800notes.com/Phone.aspx/1-707-401-4056   Scammer false posting as John Carner, KSR
http://800notes.com/Phone.aspx/1-650-241-4604   Scammer false postings as jhon and Kevin
http://800notes.com/Phone.aspx/1-708-401-0535   Scammer false posting here as JHON
http://800notes.com/Phone.aspx/1-518-212-0219  Scammer false posting as Prince Christian, Arpit
http://800notes.com/Phone.aspx/1-718-705-8669  Scammer false postings as Alicia
http://800notes.com/Phone.aspx/1-707-633-2789  Scammer false postings as Rojer, Minni, Rhone, Smith, Lisa Jack, Julie, Sean, and Carol. ? preparing a new number to use to steal money
http://800notes.com/Phone.aspx/1-205-294-6271  Scammer false posting as Thomas Jhonson
http://800notes.com/Phone.aspx/1-661-263-4011  Scammer false posting ?ILLEGALLY claiming to be an attorney Charles F Robinson
http://800notes.com/Phone.aspx/1-321-684-4117  Scammer false posing as Harry Patt
http://800notes.com/Phone.aspx/1-518-565-0306  Scammer false posting as Wellvishers
http://800notes.com/Phone.aspx/1-678-791-4673  Scammer false posting as Sherrie Ann and Elvine Buris
http://800notes.com/Phone.aspx/1-305-390-0607  Scammer false posting as James and Mark

Scam alert: Bogus debt collectors
By Leslie McFadden ? Bankrate.com
Monday, Aug. 3
Posted 2 p.m.
Bankrate reporter Leslie McFadden contributed this entry.
This scam isn't technically about credit cards, but it is scary enough to post a warning. The Better Business Bureau issued an alert today saying consumers across the country are getting phone calls from bogus debt collectors claiming default on a payday loan. Of course, the consumer needs to pay a large fee to avoid arrest -- as much as $1,000.
The caller poses as a lawyer, and may threaten extradition to face trial if the consumer doesn't pay up immediately.
What makes these calls alarming -- and perhaps convincing -- is that the perpetrators reference the consumer's personal information, such as the person's Social Security number, driver's license number, previous bank account numbers, home address -- even personal references.
"The amount of information they have is really troubling," says BBB spokeswoman Alison Southwick. She adds that the amount of data points to a possible security breach.
Spread the word to your friends and family: Don't give out personal or financial information to an unknown caller. Scammers can spoof Caller ID to display different numbers, so trust your instincts over technology.
The BBB offers these tips:
?    Ask the debt collector to provide official documentation which substantiates the debt.
?    Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
?    File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws or the Fair Debt Collection Practices Act.
?    File a complaint with the Better Business Bureau online if you believe a debt collector is trying to scam you.

Called to say that cash advance had filed a complaint for non payment, Thay were going to have me put behind bars, couldnt hardly understand him...I have never dealt with Cash Advance.They called a second time to say they needed my place of birth, ss no, etc. This has got fraud and scam written all over it. Pakistani or Indian accent...dont know how they got my cell phone number though...