Lmfaooo David Cooper tried so hard to get my money so icalled my local police department nd they made it clear that is was a SCAM that they tried to get CASTO as well. Sad story if they would just ask for money maybe someone would be kind enough to give bu just taking people's money like that is WRONG... David Cooper better take his a** on some damn where! Callin me from 911 then (646) 564-5597
NY, USA. I'm way to smart for this s*** David Cooper.. Sorry wont get my money!!

i also recieved a call saying i need to contact a david cooper saying i was getting sued, they were getting cops involved blah ,blah blah talking bout the call was being recorded so i told them to do what they gotta do and they could kiss my pretty black a** and i promptly hung up!lol its a scam

This group has called me 20 times in 20 days while I was out of country. I was not the person they thought they were calling. They were extremely threatening.  I called them and told them I was recording them and the man proceeded to issue curses to me including that he was going to urinate up my anus and that I was the issue of his pissing down my mother's throat along with every imaginable insult  he could think of...and they were plenty.  All I asked, repeatedly, and very professionally, was who they were, where they were, and under whose attorney were they making these calls.  I was simply called every name in the book, even though I continued to be professional.

I am not letting this rest. We do have laws in this country to protect us from the predators, particulary those who will use such foul language to insult us.

I will  be fling a complaint with the FCC and the California Attorney General. I was told that David Cooper was an attorney. I would venture that impersonating an attorney is not legal, but certainly they are not conducting legal business.

I would like to know what other think we may do to put a stop to this most foul "internet crime complaint center" I suspect they are not in this country and do not feel that they need to abide by our laws.  My mission is to alert their clients to their escapades and dry up their business until they learn to conduct themselves professioonally, if efver.

Please let me know all that you have gathered so I can do a thorough repoth

Thank you.
Sheila

My 21 year old daughter call me from our office in tears...She said that someone called from this number and told her she had 3 criminal affidavits filed against her and the police were getting involved.  She said they had her last 4 digits of her social and her business address.  It took this web site to calm her down and make her realize it is a scam....THIS NEEDS TO STOP>>>>>They demanded her to make a payment so that she could keep her freedom.  The number they left us is 818.579.7693

They called me this morning and told me that someone would be coming to my job on thursday and take me back to california and put me in jail. Who are these people?

These idiots called me at work.......harassed me here and then when I called them back they hung up on me 3 times when I said I wanted to know who was suing me, who they were and what they wanted.  They hung up, then I called back and said why did you hang up on me....of course they said I didn't hang up on you,, then they hung up again, finally I called back and when they heard who was on the other end I heard someone say "hang up on her"  LOL

Have been receiving these calls for months shortly after applying for online loans.  I told them to do what they had to do!    FBI website - put a fraud alert on my account, changed bank account numbers and completed and submitted a report to the FBI.  I've updated the report several times, as every month the calls start back up again.  At this point, it's only annoying, as I get them at work and the eat up my cell minutes.

I'm sorry you got taken Charlene but you'll have to chalk it up to experience. Western Union and Money Gram are not traceable and neither are the bogus numbers these guys are renting for a very short period of time. Even if you could find them, chances are they're overseas and out of reach of any U.S. court jurisdiction.

I agree!  Not only are they harassing us- but they are literally THREATENING us as well/

THEY GOT ME $445.37 THATS WHAT THEY GOT ME FOR AND GUESS WHAT HAD THE NERVE TO CALL ME BACK THIS MORNING AND ASK FOR THE MONEY BOY DID I CALL HIM ALL KINDS OF ************* AND ***** I WENT OFF I NEED TO GET THESE PEOPLE REALLY DO SOMEONE NEEDS TO BE ABLE TO DO SOMETHING. LOOK OUT FOR MIKE WILSON, DEAN JONES NO SPEAKING ENGLISH MF'S. THAT IS A DAY I WILL NOT FORGET TUES 2/8 I DONT BELEIVE IT HAPPEND. THURS SOMEONE WILL BE HERE TO TAKE ME TO CALIFORNIA TO JAIL THATS WHAT I WAS TOLD UNLESS OF COURSE I PAID THE MONEY. I AM SO MAD AT MYSELF HERE ARE SOME MORE PHONE NUMBERS 760-651-2610---760-269-3826 I NEED HELP FINDING THEM IF THERE IS ANYONE OUT THERE THAT HAS SOME INFORM PLEASE SHARE IT.

I got the call yesterday, February 7th.  It was basically the same as those described on here.  The voice mail message that was left was very threatening.  I've saved it in case I need it somewhere down the road.  He said they were going to garnish my wages.  I asked him if he had a court order to do that.  He tried to get me to believe they didn't need one.  It was very hard to hear him because of the call center background noise.  And hard to understand him.  I finally told him to send me the information in writing and then we would talk.  I told him it was my policy to do nothing until I had information in writing because, honestly, people can say anything on the phone.  lol  He hung up.  So far no more calls.

The same thing happend to me!  I got a call from a 0000 number.  They started calling me at 7:30 in the morning!  After I kept hitting my ignore button on my cell phone they finally left me a voicemail.  I could barely understand what the guy was saying in the voicemail.  His foreign accent was really hard to understand, plus it sounded like he was trying to eat his phone.  I did get his name.. Ricky Thompson and the number... 760-269-3831 and the fact that he said "Lawsuit".  I decided to call them back and find out what was going on.  The guy that did answer never told me his name or what kind of business he was running, he just answered with "Hello, how can I help you?"  He told me that I had a lawsuit filed against me for an online payday loan that I never applied for or received!  I told him that I didn't know what he was talking about and he said he would check it out and hung up on me.  I decided to call him back since it was 7:30 in the morning and I was already up!  I blessed him out saying that he should already have all of the information on the alleged lawsuit since they had been calling me for 3 days and since they decided to blow up my phone at 7:30 on a Tuesday morning!  I also said that if a lawsuit had been filed against me then I should have been notified by a court officer of the alledged lawsuit!   Apparently he realized that he wasn't dealing with an idiot because he hung up a second time.  So far I haven't heard anything back from them, and hopefully it will stay that way!

I've had several calls too.  I never received any money and they are saying that they are going to sue me for check fraud.  They took money out of my account and I closed my account and the bank is doing a fraud investigation.  Never go online to see if you can get a loan!!!

I've had several calls from this number, back to back most of the time.Just recieved a call from a "Jason Cooper" claiming to be an attorney at law. Very hard to understand him, not the best English. He said I owe for an internet loan I've taken, I told him I haven't taken any internet loan. he continues to say that I owe for this loan and if I dont pay he will put a lein aginst my social security number?!?!  I'm not sure who these guys are but after I called them back and informed them I contacted my attorney and told them they were scam artists the calls have stopped......for now.

THIS IS A SCAM. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

Good luck with that, as they are using a combination of prepaid cell phones, VoIP and spoofed numbers, making it impossible to locate them:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

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

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.

PS--The FBI sent out a Press Release on this scam just last week:

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.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

Same thing happened to me but when I threatened to take then to court for slander of credit they all of a sudden decided they had the wrong person.     Maybe a class action law suit is in order here.

Thank god i am not alone!!!

yep ...same thing happened to me..beware...n they have alot of info...so make sure you check your credit and bank accounts.

The same thing you guys are describing happened to me yesterday. I was horrified. They called my job about a payday loan I never received. My coworkers advised me that the same people called her just a day ago saying the same thing. How do we stop this scam? And how did they get our information? They said the lawyers name is David Cooper and the company is Easy Pay USA. When I looked that up it was like a million companies by that name.

this is the same thing that happen to me today 2/3/11

they called me today 2/3/11  saying i'm been sued  when i ask about what  they hang up i called back to curse them out they will not answer

They are saying they are from the law office of David Cooper in California.  They will threaten you with charges..saying they will come arrest you at work...

How do they get my information? And what can I do to prevent this from happening again?

Got a call from some number and spoke to the guy (poor English) and he told me I was being sued and to call 760-269-3831. I called them and got another dude that spoke poor English. I had my attorney (my wife) listen to the call. He said I got a payday load and when they tried to do an EFT from my bank account to pay for it the transfer was turned down and now they want to sue me for payment on a loan I didn't get.
My attorney (my wife) she would have to do a little research but believes it's fraud based on Interstate Commerce.
I could here a lot of people in the back ground, it sounded like a call center with all the people talking. This guy said he would be starting the law suite tomorrow... On Saturday?

I just received the same type of call...........only I never received any money from any payday service.  They called me here at my work, could not understand the man and he asked me if I had a lawyer and they were filing a lawsuit again me tomorrow.  What type of weirdos are there out there and how do they get our information????

I got a phone call that showed up on my ID as being from 0000 - that's it. He didn't speak English very well. He called to inform me that my "case" was being sent to a lawyer on some payday loan and that I needed to contact their case manager before the file went to legal. He gave me the above number to call and todl me to speak to a Robin Ross or David Cooper. When I didn't call the number back, he proceeded to call me 13 times in one day and continued the next day. I finally called just to see what the scam was.They tried to collect on some old payday loan that was repaid. They ask me for checking account or credit card information so I can pay this debt before it goes to court. I asked what company I was speaking with and they said it was the Federal Legislative Collections Bureau, a law firm. What law firm calls themselves federal anything? Do they think we're this stupid?? Unbelievable. Don't fall for it.