Yes, these people keep contacting me over and over and they have been tellin me for months now that I will be served for a payday loan and I haven't been served, ys i have had a payday loan that i did not pay and it was years ago and I have checked it out and these people cannot arrest you for that, payday loans are illegal anyway with all those daggone fees they charge!!!!!!!!!!  The most that can happen if you don't pay is it goes on your credit report as bad debt but being served papers no.  Then these same people have scammed me because I sent them $250 and it wasn't even suppose to go to them so I'm not paying them anything else. they are scammers!!!!!!!!!! You really have to be careful with these folks calling saying you owe a payday loan even if you know you owe one because 9 times out of 10 it is not the real person you owe!!!!!!!!  I have been got twice now and done paid out almost $1,000!!!!!!!!!!  I'm furious!!!!!!!!!!

Harrassing Phone calls which I don't have a personal phone and they're calling my daughter's personal cell phone which we don't know how they could have gotten her number maybe skip tracing the last name. Giving her the threatening message for me if I don't call them then this David Webb is coming to arrest me. Horrible experience to have anybody threatening with the name of David Webb but won't let me speak with this person. I believe this is a scam and I don't know of no legitimate debt collections company that curses and threatens a customer they are trying to get money froma and hang up on them 3 or more times because I am asking for info. in writing from them to see if this is a legitimate company and not giving me a address for this company.

I spoke with Michael Sullivan of GNA Legal Services "Pack Management Group" as he claimed the company name where he works is GNA Legal Services which handles delinquent borrowers from Pay Day Loans.  I gave him my VISA CARD to pay for my son's account and requested for an email confirmation of the payment.  I had to call him twice to remind of the email which I hope to get today - July 19, 2012.  When paying through a credit card, they collect 9.95 that is paid to the Access Recovery Group which he claims that they receive the payment ...... what a scam!!!!  You pay your debt with interest and they let you pay for paying them.....what can you say???  If I do not receive the email confirmation today, I will surely report them to the BBB and to the Illinois Attorney General's Office.

So you may know...................

You are correct they are not a collection agency. Sam post refers to them as scam artists. I believe he is correct.

they called my job and told a coworker that They were coming to serve a warrent for my arrest, Bill Johnson the person that call told my coworker it was because I owe a debt. This is not legal, a debt collector is not suppose to till anyone your business wheather is true or not. I pay my bills I don't take out pay day loans because they are are scams. Does anyone know how to stop these calls. I called Bill Johnson and asked him to mail me the paperwork that show I owe that debt and he ask for my address. If I took that loan they should already have that info. I shouldn't have to give them my personnal info. Why haven't they sent letters to my house saying I owe. I've live in the same house for over 15 years.

I was told that I had some bounced checks from Bank of America and they were going to serve me with some papers at home or at my job. I don't even have an account with Bank of America.

That would make you the idiot, not Joyce

Can you read and UNDERSTAND English? He was not referring to that specific company as debt collectors. Paragraph 2, line1 and 2 state ?The "debt" is not owned by these people. Otherwise they would follow the law when it comes to contacting you and representing themselves as a legit debt collector.? These people ARE saying that they need to collect money from you, but will not give any information about the debt or their right to collect it. Hmmmmm?.seems to me that would make them a debt collector of some sorts. Collecting debts?debt collector?.yeah that makes sens?.common sense anyway. Something too many people are lacking these days.

The second half of the response is quoting laws about collecting debts.

I pay my bills. I get these calls all the time. I save the numbers and their messages and turn them in. They are scammers because they do not follow the letter of the law when collecting. I have looked it up and even asked my ATTORNEY who knows more than you.

Mr. Anthony Goldstein called and left a voicemail message that I have claim filed against my bank account.  To please call 855-294-0888 so he can help.

clearly Joyce is an idiot.

Paragrah 2, line 2, same says they are debt collectors.  Also there is a whole section labled "debt collectors may not".

so perhaps Joyce should read carefully before making herself look like a fool.

Sam appherently has alot of experience dealing with debt collectors as he has spent alot of time looking up and posting information on collection laws.  maybe if some of that time were put into getting a job or paying his bills, Sam would be bothered with the calls at all.  sounds like a simple fix.

by the way, the FDCPA covers 3rd party collections ONLY, so it doesnt always protect the consumer.  consumers just read all this nonsense online and think they know it all.

as always, the best way to get rid of debt collectors, or atorneys, or anyone filing charges, or whatever else, is to simply PAY YOUR BILLS, and not steal money or credit.

you said you faxed over proof you have paid.  if the issue is the account numbers or claimant names do not match up them there are 1 of 2 problems.  #1 perhaps you have more than 1 loan out there, or #2 you were in fact scammed.

one of the big issues coming up over and over are scam collection agencies or supposed "law firm attorneys".  a consumers FIRST WARNING should be if they get a letter saying they owe BMG!!!!!!!
AT NO POINT DOES BMG EVER LOAN MONEY!!!!   they simply are the "hub" company.  the claimant will always be a loan company working for BMG, but never BMG itself!

If you are ever asked to pay BMG, you are being scammed!!!!

i review cases all the time with these places buring consumers.  then they get sued or have charges filed based on bounced check problems, and it wont matter in court that they were scammed and paid the wrong place.

just watch out and if you are trying to do the right thing and resolve your issues, just protect yourself when they come calling.  just make sure the people you borrowed from are the same ones on your letter that your paying back.

I was contacted by the same company and spoke with Kimberly Carter (who answered the phone "Do not call here and play games. How can I help you?" I was then directed through two different people and landed in the lap of a man named Jeffery. Jeffery claimed I took out a payday loan in 2008 and was about to be served papers and brought into court on felony fraud charges. He faxed me over a document that looks authentic but the strangest thing is, I paid this debt. I sent him the documentation of where it had already been paid and he told me the company I had paid scammed me out of money. I called the company I had previously paid and spoke with a gentleman who wasn't mean, or even upset that I was questioning whether or not his company was legally legit. I don't want to not pay an outstanding bill if I have one, but how can I tell which firms are legit and which ones aren't?

This is what I say to the people who call me,. Funny how they do not call back or issue a warrant for my arrest.

I would like a verification of the debt and your ability to collect this money from me.

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party that is contractually obligated to pay off this debt.

I hope you are aware that until you validate this debt, you cannot continue collection activities. Non-compliance of this request may land your company in serious legal trouble with the federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor where he/she promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is accurate.

Guess what?!?! These companies are not legitimate most of the time. They buy your information from companies and then try to convince you that you owe a debt. I took a payday loan out online and that was my mistake. These online payday loan companies sell your information. I am SICK of people thinking that these companies harrass peoople who have not paid their debts. It is NOT true. YOU need to check out your facts before making a fool out of yourself. This payday loan scam is big and has been reported to the attorney general's office. I have reported several of them myself.

Yeah, Sam did not say they were from a collections agency. YOU should read again before posting.

Hey I just recieved the same call but from this number, 678-905-6393.
they had my bank account info from 2007 and said that I had requested a loan through Debt Doctor. I dont remeber them at all. And they told me they were with gna or g and a legal services that I only needed to pay a certaian amount and that If it wasnt paid by the end of today I would have a warrent out for my arrest and I have Five felonies pending for aout of state check fraud. I Called the number back and they didnt answer, they were asked to provide me with bills and copies of my checks and they havent. I pay all of my bills and They also said they were from ga. I am not paying it unless I actually recieve something stating I have to pay it by the police. Plus why would they wait five years to press charges with no contact and why wouldnt there be nsf fees and also interest fees on it. Doesnt make since, then didnt even ask my bday or to verify any information.

Dear Wrong,

Doesn't matter what you have to say because no one believes you. We are reporting you to the FBI, Federal Trade Commission, Debt Collector's Association. Get ready, get your cash out of your accounts because we are going to clean your clock. Your underhanded ways of collecting are in violation of State and Federal Laws. Then we will expose you to the media. You'll be lucky if you have underwear to live in, let alone cars and house. WE are all TIRED OF YOU! Coming for ya!!!

You are the A__H__E who is the scammer and committing fraud. We are coming AFTER YOU for harassing people and stealing from them. Get ready, take you fannies back to Buffalo or the Domincan Republic!!!

so you get alot of calls ?  does this mean you dont pay alot of bills?

not a collection agency.  seems there are alot of similar company names out there.  before you foolishly publish incorrect info and cause harm to a company's reputaton, be sure your facts are straight.

it seems someone's feeling got hurt.  you did alot of work to find all this info, and its completely wrong from top to bottom.  these company names and these people have no connection at all to this company.

this is whats wrong with the internet.  idiots with no proof of anything can make wild statements about things that arent true, then get bigger idiots to belive this crap.

solution to debt issues is very simple.  PAY YOUR BILLS and dont try to steal cash or credit from any entity trying to help you.  If your a theif and a lowlife that doesnt pay their bills, how dare you complain someone is calling you like your a little child to get the money back.  there shouldnt be ANY laws that dictate how to handle theives who dont pay.  do that crap to someone in the street and see how your dealt with

it seems someone's feeling got hurt.  you did alot of work to find all this info, and its completely wrong from top to bottom.  these company names and these people have no connection at all to this company.

this is whats wrong with the internet.  idiots with no proof of anything can make wild statements about things that arent true, then get bigger idiots to belive this crap.

solution to debt issues is very simple.  PAY YOUR BILLS and dont try to steal cash or credit from any entity trying to help you.  If your a theif and a lowlife that doesnt pay their bills, how dare you complain someone is calling you like your a little child to get the money back.  there shouldnt be ANY laws that dictate how to handle theives who dont pay.  do that crap to someone in the street and see how your dealt with.

Thanks for your help

Ann O Nonmous
Marsha
Hacker
V 4 Vandetta

Wish the FBI would spend more time catching these scammers than trying to mess with Vigilantee-hacker community.

AMERICAN ACCEPTANCE INC.  
Uses/used these numbers
(678) 710-2023
(678) 710-8089
(866) 963-4904
(678) 710-3055
(678) 710-3056
(678) 710-3057
(678) 710-3058
(678) 710-8060
(877) 290-9011 (No longer In Use)

The people whom are making the calls are:

Mrs. Garret  (real name may be Melissa he's worked with her before)
Jim Kelly    
Victor King  (real name is James Nelms III)

Their legal Business Addresses are :

AMERICAN ACCEPTANCE INC.
P.O. BOX 1244
BUFFALO NY, 14215 (This PO box may have been closed , I'll have to drive down and confirm this)

AMERICAN ACCEPTANCE INC.
2608 BAILEY AVE.
BUFFALO, NEW YORK, 14215 (He rented the space to the right of the Pharmacy)

His Residential addresses are :

35 ROOSEVELT AVE
BUFFALO NY, 14215
(716) 835-5409

137 ELLER AVE        
BUFFALO, NY  14211
(716) 835-5409

Before opening American Acceptance James Nelms III was co-owner of Empire State Recovery Agency AKA ESR Agency.

Registered to :

RONALD BRANTLEY SR
RONALD BRANTLEY JR
JACQUELINE BRANTLEY
2495 MAIN ST
STE 556
BUFFALO, NEW YORK, 14214  


ESR Agency was sued multiple times for illegally collecting false debts and the corporation dissolved  on Jan 25th 2012.
With the money he scammed out of hard working people , Ronald Brantley Jr. opened a Bar called Blush Nightclub & Lounge , located at 1389 Delware Ave, Buffalo, NY .
His father, Ronald Brantley Sr., got a real job as an alcohol and substance abuse counselor.
Jacqueline Brantley is either pouring drinks at her Jr's bar or contemplating where she went wrong in life.

Back to James A Nelms the III , He's an ex-convict who doesn't care how or from whom he gets his money. He has children from at least 2 different women, one of which took his name James Nelms , I (guess that would make him the 4th). That James Nelms may be living in North Carolina , he's also in the ?collections? business like his Big-Daddy. This crap runs in the blood cause James A Nelms III 's little brother  Michael Nelms also has his own collections company based out of  his home in Atlanta Georgia called :

TRISTATE FINANCIAL
ENTERPRISES, LLC
4378 RAINER DRIVE
Atlanta GA 30349
Fulton County

This explains why he's calling from a Georgia phone #. I guess scamming pays off big time. You should Google that address, he goda real perty house.

I suggest you verify the information that I've provided you with and then call them up and pull a Rumpelstiltskin on them.

Calling my job saying the have a warrant for my arrest

Im recieving calls from these people from 855-294-0888 & 855-294-0880 stating my debt from a collections for a loan was sent to them. GNA Legal services. i google the 80 # it comes back a tele marketer from tampa fl. NOw they say i will get a warrant for fraud if i dont pay them.

Ive asked several people they tell me not to trust them.

they gave me an address as
B & V Services
1207 King;s Highway Suite #271
East Pointe, Ga 30344

Doult if it is correct

Theyre scam artists. I went thru this a few months ago regarding a different number. They are buying your info from a past collection that you may or may not have paid off and trying to collect on it. They are not licensed or legit bill collectors by any means, and can be sued for their illegal activities. They will never serve you with "papers". Thats just a scare tactic to get you to pay them money quickly before they get shut down and open up another 877 or 855 number and continue.

The "debt" is not owned by these people. Otherwise they would follow the law when it comes to contacting you and representing themselves as a legit debt collector. Having someone call you and not identifying themselves, or telling you theyre going to serve you with "papers", or not letting you know that "this is an attempt to collect a debt..." should set off a few alarms that it is a scam.

If anyone calls you and refers you to this number, I suggest finding out who is originally owed the money and contact them directly. They will tell you who you should contact from there, and I can guarantee you that it wont be these scam artists.

Know who youre giving your money to before you set up payments out of fear and threats. No one will EVER serve you papers with advance notice. If its legit, theyll just find you and serve you. Thats how it works


Heres a link to some more info and some of that is pasted below: http://www.fdcpalawyeronline.com/

Debt collectors may not:

 Use threats of violence or harm against the person, property, or reputation
 Publish a list of consumers who refuse to pay their debts
 Use obscene or profane language
 Repeatedly call on the telephone to annoy and without identifying themselves
 Advertise your debt
 Falsely imply that they are attorneys or government representatives;
 Falsely imply that you have committed a crime
 Falsely represent that they operate or work for a credit bureau

Illegal Actions of a debt collector include:

 Calling you at work and knows that it is inconvenient or that your employer disapproves or forbids it.
 A debt collector knows that an attorney, whose contact information is known or is easy to locate, represents you and the debt collector continues to contact you.
 Debt collectors can only communicate with other people to obtain contact
 Misrepresenting the amount, character, or legal status of a debt
 Communicating false credit information about you
 Refusing to honor your dispute or cease communication rights
 Threatening to take your property or garnish your wages without a court order (judgment).
 Intimidating you, AND your family
 Endangering your reputation, or your property
 Using profane or obscene language
 Painting the Debt and credit issues are matters of criminal law while in actuality it is civil law
 Tricking you into accepting charges for collect calls, telegrams, or a C.O.D
 Attempting to cash a post-dated check before the date written on the check
 Claiming to be an attorney or sends a letter made to look like it is from an attorney when he is not an attorney
 Sending a letter that is made to look like a government or court document when it isn't

You can sue:

You may have the right to sue a collector in a court of law. If you win, you may recover money for the damages you suffered and, in certain jurisdictions, you may recover statutory damages. In addition, court costs and attorney's fees may also be recovered.

You can report to the office of your state attorney general and the Federal Trade Commission;

Report any problems you have with a debt collector to the office of your state attorney general and the Federal Trade Commission. Many states have their own debt collection laws and your state attorney general can help you determine your rights. In addition, you may contact a local attorney to determine your legal options regarding an alleged FDCPA violation.

been getting calls from the last month, had taken a few payday loans back in 2008-09 and i was almost certain i paid them all off. been getting threatening calls saying the same thing and also from 2 other companies, all saying i was going to be served unless i called back to issue a stop.

not sure weather to pay or not because i am almost positive i paid the loans in question, also being told i had a bank one checking account that i NEVER opened or had.

Its really frusterating and can be scary, which im sure is their goal. had to fight to get a company name and adress in december, after which he yelled at me accusing me of stealing and calling me names. any real "legal" service would not tell you that there was someone coming to serve you, and when they did threaten in december, i did not pay and did not receive any more calls till last week, like they had never spoken to me before. I am not going to pay, and am currently seeking legal advice on this matter.