2011-06-06 20:56:33
Dey called my job asking for saying i old them some money dey have all of my info
2011-06-06 20:56:33
I got a phone call this morning from these people again and lucky my boss mentioned to me to google this number and as before these people (indians) are trying to collect money from people telling them that they owe thousands and thousands of dollars and that the cops are going to be there in 45 mint to arrest them and that if they do not want the cops to come they should pay whatever they want to avoid arrest, courts or any legal action.  I am so sick of these people calling my cell phone that it has gotten to a point where I am going to go to the newspaper and the news channels to report them for calling decent people like me.
2011-06-06 20:56:33
These people called me about a month ago and i thought i scared them off. well i guess i hadnt and they called me twice today!!!!!! and the same people call me from 4 different numbers in the past month!!!! i am going to email cnn and try to get this STORY OUT!!! the name he gave me was fernando dorres
Tonya Tice
Tonya Tice
2011-06-06 20:56:33
I got the very same call from some man with a foreign or Indian accent, but only he left a threatening message on me machine saying to call him back at this number NOW, and if I did not they will come to my house and haul me to court. I called my local sheriffs dept. and they came out took report and listened to his threats. The next day I called the number they said I owe on some old debt through American Cash Advance, which I have never taken any such advance out with any company, so I asked for proof, he had all my information, but how he got it I don't know. Since then I have contacted The California Sheriff's, they advised me it is a scam, and these people or persons are trying to scare people into giving them money. I also called one of the branches of American Cash Advance, they had had numerous calls from people about this too,( this was just one branch) she told me the same thing. I reported Fraud Alerts to all three credit reporting agencies, as well as the Social Security Department, and contacted the Better Business Bureau, who knew very little about this company, but did give me a number which is no longer in business. I'm Still waiting for this so-called company to haul me off to court, my coffee's getting cold!
2011-06-06 20:56:33
Hi this is to inform people that this company is based in India. I have heard a lot about this company and wanna really screw their happiness. They do use bogus # to call and harass people living in United States. There are utmost a 100 people working in this company. I would like to share my view's and advice everybody to take strict legal action against them.
Let me give you names of people working:
Norman Reid, David Williams, Kate Jones, Fernando Torres, Rocky Anderson ........ These are Indians with who take US names... to talk to people ensuring them once they pay the money using their credit cards They would receive everything in writing which is not so true.
They try to extract money from people who have never borrowed any loans from American payday.
Remember one thing do not share your personal information and strict no no to your credit card detail.
Wanna have ur cooperation and get this company shut known as ESpectrum.
2011-06-06 20:56:33
I have received numerous calls from these people. I work in law enforcement and reported it to our sheriff; then I proceeded to call the BBB and the Federal Trade Commission. I was requested by the FTC to contact the attorney general's office which I did. After explaining to the person contacted what was going on, she said they got them even at their office and didn't know how to stop these people; not yet anyway. She said they get computer generated number, or if you have ever used you bank info, social info, or any personal info to order online or do banking online; or if you apply for any type of loan online, they've got ya!  They hack into websites and of course get all the info they need.
2011-03-28 21:02:41
I get these calls at random times, now just on my cell.  I did take out a payday loan a while ago, and have used them more than once.  I don't currently owe them anything.  These callers can get your info from a number of sources, only one of which is from applying online for a loan.  This information is out there to be purchased, and there are lots of dishonest people at legitimate businesses who will be happy to compile the info for a price.  

Anyway, it is definitely a scam.  Even if you have a loan out, it is a scam.  They cannot take you in handcuffs from your home to take you to court.  It doesn't work that way.  In addition, they would have to prove you owed it, and the one time I asked for proof (because I just wanted to see what they would do), they told me that the CashNet is an unbrella company for over 300 payday loan companies.  I asked which one I used, and they said they have no way of knowing.  I said I wanted a copy of the documents for the loan to prove I did it, and they said they could not provide it until after we had worked out an arrangement.  Things don't work that way, boys.  If someone is going to sue you, all their ducks have to be in a row.  That means documentation is to be provided, and not just to your attorney.  You have to have access to it, too.  If they cannot tell me what online loan company I used, they don't have enough information to come after me.

Don't give them any money, don't agree to anything, and do not verify information at all.  If they have it, okay, but don't confirm it.  I told them I wanted a copy of all documents, and he asked for my address, just to confirm it.  I told him if he has it in the file, then send it to that address.  He again wanted to confirm it, and I told him I would not.  He did, in fact, have my address, but I would not give it to him.  

This has happened to me a few times now, and no one shows up at my door to take me in handcuffs.  This is a scare tactic, a social engineering practice to frighten you into not thinking before you act.  This is not a real emergency.  The statement concerning "if I do not hear from you or your attorney, I can only say God help you" or a similar statement is made to alarm you and make you feel he is working to help you fix the problem.  What they are hoping is that you will agree to let them debit your accounts to stop the legal proceedings.  

Now they block their number so it shows up as 0000 on my caller ID, but they leave a number on the VM message.  I get the calls once every 2-3 months, from different numbers, all with foreign accents, all with the same story, but all from different companies.  Sometimes a law firm, sometimes the Florida Fraud Investigation Unit, etc.  

Last time I called them, I blocked my number and said I was agent ..... with the FBI and we were investigating a possible international scam that appeared to be coming from their company, and needed the physical address, the CEO or President's name, a non-toll free contact number, and the name of the person I was speaking to.  He put me on hold for a supervisor, and they came on a few minutes later.  I told them the same thing, and they hung up.
2011-03-03 18:20:49
Have been receiving these calls off and on for the past few months.  The guys name is Steve and his number is 760-582-2094.  I never answer and he leaves a message stating this is a very important matter and that I need to contact him immediately.  I never call them back.  I'm sure he will call again a few more times today.
2011-03-03 15:48:19
I received a call from this guy named Steve yesterday from number 760-582-2094 saying need to call important - said he would like to here from my attorney and if I did not call it would be on me and wish me good luck -he is calling my work number and today I just got another call from number 661-213-9471 which I just look up and it is a cell phone - same message as yesterday - this is not funny and now I'm getting very nervous. - Not sure what do you next - any suggestion would be appreciated.
Kimberly Kirschbaum
Kimberly Kirschbaum
2011-02-24 14:43:23
This very harrassing, non english speaking gentleman keeps calling me and claiming I owe him money???
Tonya Tice
Tonya Tice
2011-02-24 02:10:20
Debt Collector
I received a message on my answering machine from some guy, Brian or Ryan Rose or Rouche, said he was from California Law Firm,    (it was hard to understand him, as he was of Indian or Foreign accent. He told me to call him at  this number at 760-582-2094, NOW, and then he threatened me with someone will come to my house and take me to court, if I do not call him back, NOW.  He even said he knew I was there and listening to him, which was Hilarious, as I was not home at all!  I reported it to my local sheriffs department and allowed them to listen to the recording, and did some research on this law firm and number only to find out it is a SCAM!  Where else can I report this to.
Judy Cuevas Shoemaker
Judy Cuevas Shoemaker
2011-02-17 19:27:36
They keep calling me and telling me that I need to contact them immediately and that it is a time sensitive situation.  If I do not call them, then all they can do is wish m e good luck.  They tell me to call them or have my attorney call them.
The Saint
The Saint
2011-02-11 16:18:13
Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:


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
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.


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
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:


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:



http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:

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.


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?  


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

2011-02-11 16:11:39
This is a total scam!! I just laughed at them when he was trying to threaten me. What a JOKE. DO NOT give them money. They say they are from "California Law Group"He said, that I took out a payday loan with American Payday (which MN does not allow) and that I am going to be arrested because I didn't pay them back. He said, that they don't want their money back but that I am in big trouble and the police will be in "my location" in 45 minutes or on Monday. I LAUGHED and he asked....Are you laughing at me? I said, "oh yeah, yes I am. You are a fraud" Mam, this is no joking matter. You will be in court and will have to owe $8800.00. Do you think this is could to laugh about mam? Do you think I am funny? I know your know your social security # ending in XXXX. I know you bank with XXXXX, I know your checking account...bla bla bla. Then he asked, does your SS# end in XXXX. I said, "Nope". Ah mam, are you kidding me, are you for real....bla bla bla. Then I hung up on him. What a JOKE!!!!!! The question is, what do I do from here? Or what do we all do? I'm tempted to get a hold of dateline, 20/20 or whomever and invesitage them.
Pamela D
Pamela D
2011-02-10 19:20:12
Debt Collector
Guy from India called and said I took out a payday loan and that they tried 6 times to get their money but the EFT was returned. Wanted my attorney's name and said that I was being investigated from internet fraud. Don't know how they got my work #. Anyone know how I can get them to stop calling my work #?
So glad I found out it's a SCAM.
2011-02-09 03:00:14
You can call the phone company and block the call! Then have some peace but then they start calling friends and family. Tell Them to  do the same.
judy stearns
judy stearns
2011-02-09 02:00:24
Debt Collector
They called me saying I owed them an outrageous amount of money. If I didn't pay in two days it would go to court and I would have to pay $13,000.00. This is for a payday loan of less than $900.00 which I never took out. I investigated them and found out his name and address in California. There so called firm is California Law Group. This is a SCAM.
2011-02-01 20:05:26
Debt Collector
These guys are the scum of the earth. Give them nothing. you owe nothing to them. BE RUDE IF YOU LIKE OR JUST HANG UP.
2011-01-28 18:21:20
This is a SCAM.   Do NOT NOT NOT give these people any information.

Rather, buy an air horn from your local dollar store and every time they call give 'em a good blast.
2011-01-27 06:51:43
Debt Collector
They contact my job and cell phone harassing me for payment for debt due?
thomas a nelson
thomas a nelson
2011-01-21 18:38:08
Debt Collector
this company is telling me that i owe them eight thousand and there going after me. i called th police and made a report also im going to my bank and inform them. also the police told me to contact the social security office of the scam
1-763-633-6030 1-213-325-3204 1-253-565-2717
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