Bailey and Rowe Associates (IF ITS THE SAME PPL THAT CALLED )is a Scam they have called me for over the past six mos and told me they were pressing crimnal chagres on me and my step mother work for a medical frad company and she tol me that in the state i live in and took the loan out they only have 2 years to press charges on me and it have been almost six years i have talked to 5 diffrent people and they all told me diffrent thing and they were difrent people so if they call you from an area code in your state ask were they r located and they are not willing to awnser any of my question i had very very rude ppl if they were a "real" company they would not speak to ppl like this if u get the number or the call look up your laws in your state before you talk to them they are really bad ppl and also the company they say there trying to get the money from call them and get the info they have such as the ppl they sold it to the coolection agencys and call the collenction aggency most of them are out business that why they have your information on there desk please pepple dont fall for this it is so rude of them to stell money from us in all our hard times if u hear of any one having calls form plp like this ppl tell them and look info up before anything... best of luck!!

Bailey and Rowe Associates is a Scam they have called me for over the past six mos and told me they were pressing crimnal chagres on me and my step mother work for a medical frad company and she tol me that in the state i live in and took the loan out they only have 2 years to press charges on me and it have been almost six years i have talked to 5 diffrent people and they all told me diffrent thing and they were difrent people so if they call you from an area code in your state ask were they r located and they are not willing to awnser any of my question i had very very rude ppl if they were a "real" company they would not speak to ppl like this if u get the number or the call look up your laws in your state before you talk to them they are really bad ppl and also the company they say there trying to get the money from call them and get the info they have such as the ppl they sold it to the coolection agencys and call the collenction aggency most of them are out business that why they have your information on there desk please pepple dont fall for this it is so rude of them to do things like this to ppl do not fall for it they are FAKE FAKE FAKE!!!!

To all person targeted by this criminal gang, they are in Charlotte NC.  The addresses in SC are only PO Boxes for forwarding and the addresses in Atl are either fake or a rental office that forwards mail.  

The proper local jurisdiction to file police reports would be the Charlotte-Mecklenburg Police Department
http://charmeck.org/city/charlotte/CMPD/Pages/default.aspx

You can make a report by telephone - If calling outside the Mecklenburg County, the Non-Emergency Crime Reporting: 704-336-7600

You can also make a police report online at
http://charmeck.org/city/charlotte/CMPD/Pages/ReportACrime.aspx

Informational Post as Per ShillKill (registered user)

For at least the last year, an illegal group of debt collectors have been terrorizing consumers, their family, friends, and employees threatening to arrest the individual of an unpaid loan or other debt (their generally don't even owe). Be aware debt is a civil matter, not a criminal matter, and you can't be arrested. They threaten a warrant if the victim does not pay a sum of money by the credit card over the phone.

Some of the people they are calling do not owe a debt.  Others they are calling have already settled their debt with the organization who owns the accounts. Even if you do owe a debt, do not be deceived by the actions of this group.  Many of the accounts they are attempting to collect they do not own.  In other words, if you pay these people, that is not going to clear your debt with its rightful owner.  

Although when pressed the callers give the victim an address in Columbia South Carolina (usually a vacant lot) or Atlanta GA (often a parking lot near the bus station or a Peachtree Road Address). They are actually out of the Charlotte North Carolina area. The scammers are using the following business names (and there are many others, and they seem to create new ones daily).  They will normally answer the call back number as ?Investigations?

Reynolds, Hill, and Associates
Berkley and Associates
Kaufmann and Associates
Sanderson Blaine & Associates
Blaine and Associates
McKenzie Reid Associates
Kennedy, Kline, & Associates
Nationwide Asset and Recovery
Piedmont Investigations and Procurement
Raffino, Garrison, & McCoy
Greenman, Schwartz & Associates
McCoy Law Group
Salem Associates
Reynolds and Associates
Ryan, Carter and Fields
Berman, Maxwell and associates
DOF Investigations
Vaughn & Associates
Bailey & Rowe


Here is a set of links to a variety of threads on this forum that document this group and its behavior. They include the experiences of victims as well as a former employee or two that quit within a week of finding out exactly what was going on. They also include responses from consumer advocates and people who are really criminal justice professionals advising victims of what to do

http://800notes.com/Phone.aspx/1-855-748-8367
http://800notes.com/Phone.aspx/1-855-719-1725
http://800notes.com/Phone.aspx/1-855-676-3492
http://800notes.com/Phone.aspx/1-855-805-5549
http://800notes.com/Phone.aspx/1-855-751-1084
http://800notes.com/Phone.aspx/1-855-803-2349
http://800notes.com/Phone.aspx/1-855-775-2417
http://800notes.com/Phone.aspx/1-855-775-2418
http://800notes.com/Phone.aspx/1-855-755-3417
http://800notes.com/Phone.aspx/1-855-746-3946
http://800notes.com/Phone.aspx/1-855-676-3485
http://800notes.com/Phone.aspx/1-855-966-3768
http://800notes.com/Phone.aspx/1-855-699-9749/2
http://800notes.com/Phone.aspx/1-855-966-6246
http://800notes.com/Phone.aspx/1-855-678-5437
http://800notes.com/Phone.aspx/1-855-967-0061
http://800notes.com/Phone.aspx/1-855-746-3948
http://800notes.com/Phone.aspx/1-855-791-2353
http://800notes.com/Phone.aspx/1-855-699-6246
http://800notes.com/Phone.aspx/1-855-735-8624
http://800notes.com/Phone.aspx/1-855-751-1083
http://800notes.com/Phone.aspx/1-855-736-3678/2
http://800notes.com/Phone.aspx/1-855-966-8529
http://800notes.com/Phone.aspx/1-855-967-2633
http://800notes.com/Phone.aspx/1-877-460-1576
http://800notes.com/Phone.aspx/1-888-609-3074
http://800notes.com/Phone.aspx/1-866-576-6210
http://800notes.com/Phone.aspx/1-888-601-5849
http://800notes.com/Phone.aspx/1-866-230-1283
http://800notes.com/Phone.aspx/1-877-658-0438
http://800notes.com/Phone.aspx/1-888-510-9327
http://800notes.com/Phone.aspx/1-888-509-0338
http://800notes.com/Phone.aspx/1-866-803-0755
http://800notes.com/Phone.aspx/1-888-511-0627
http://800notes.com/Phone.aspx/1-888-509-3033
http://800notes.com/Phone.aspx/1-888-509-0339
http://800notes.com/Phone.aspx/1-888-511-0631
http://800notes.com/Phone.aspx/1-866-883-2350/2
http://800notes.com/Phone.aspx/1-888-244-3381
http://800notes.com/Phone.aspx/1-888-512-0269
http://800notes.com/Phone.aspx/1-877-295-9550
http://800notes.com/Phone.aspx/1-855-966-6277
http://800notes.com/Phone.aspx/1-888-511-4248
http://800notes.com/Phone.aspx/1-877-725-5312
http://800notes.com/Phone.aspx/1-877-756-9997
http://800notes.com/Phone.aspx/1-888-512-1278
http://800notes.com/Phone.aspx/1-888-512-0531
http://800notes.com/Phone.aspx/1-888-512-0273
http://800notes.com/Phone.aspx/1-877-719-5041
http://800notes.com/Phone.aspx/1-855-791-9102
http://800notes.com/Phone.aspx/1-512-400-2637
http://800notes.com/Phone.aspx/1-585-730-6153
http://800notes.com/Phone.aspx/1-888-512-1712
http://800notes.com/Phone.aspx/1-800-657-1430
http://800notes.com/Phone.aspx/1-855-643-7815
http://800notes.com/Phone.aspx/1-855-860-3119
http://800notes.com/Phone.aspx/1-855-860-2973
http://800notes.com/Phone.aspx/1-877-903-6395

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
http://www.fraud.org/
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
*****************
http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
******************
http://www.fdcpa.me/fake-process-server-injunction/
******************
http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
*******************
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
*****
http://www.cashnetusa.com/consumer-notices
*****

As per Concerned Citizen:

Since this group is actually operating out of the Charlotte area, the proper local jurisdiction to file police reports would be the Charlotte-Mecklenburg Police Department
http://charmeck.org/city/charlotte/CMPD/Pages/default.aspx

You can make a report by telephone - If calling outside the Mecklenburg County, the Non-Emergency Crime Reporting: 704-336-7600

You can also make a police report online at
http://charmeck.org/city/charlotte/CMPD/Pages/ReportACrime.aspx

The infamous Mr. Stevens. Unfortunately they got me for 450.00 Today I got another call saying I was going to be arrested for fraud. I haven't slept in a few days due to my husband having knee surgery. They had a legit place I did business with. It was for a payday loan. They said they would settle from 7000 to 450 if I paid 100 today. So being tired and stupid I gave my card number. AS soon as it hit my bank they contacted me for fraud alert. When I saw the company name on my bank account I immediately called back saying MR Stevens already got 250 from me on MONDAY. I told them my bank is holding the money as a fraud alert till I say otherwise. The women on the phone started flipping out on me. I said there was no need to yell and she wasn't getting another dime from me. Its a hassle with the bank as they have to shut my card off and I have to wait for a new one. Plus fill out the fraud papers but the next time I am just going to say come and get me bi***. I would love to go before a judge about your company

i recieved a call from  berman maxwell&a** informing me that i had a payday loan with cash smart advance, i tried to tell the agent mr. steve that i didnt, he got so mad at me, came all out the box on me,  he isdefinately not a people person

You can now be 100% sure that the call was fake. Why? Very simple - You CANNOT be arrested for debt in America. Debt is a civil matter, not criminal. I'll tell you what is a crime. Being told you'll be arrest over a debt by a collection agency. Check out fair debt laws, it is against the law to do so (but not for foreign 3rd world criminal scammers, they don't care)

I received a call from Nationwide 844-205-6998 informing me of a debt to be collected by Berman Maxwell and Associates. If I didn't pay the debt today, I would be arrested in 2-3 days.

The proper local jurisdiction to file police reports would be the Charlotte-Mecklenburg Police Department
http://charmeck.org/city/charlotte/CMPD/Pages/default.aspx

You can make a report by telephone - If calling outside the Mecklenburg County, the Non-Emergency Crime Reporting: 704-336-7600

You can also make a police report online at
http://charmeck.org/city/charlotte/CMPD/Pages/ReportACrime.aspx

SAME SAME here!! those b*****ds had me in tears!

exact same thing happened to me, it is a scam.. when I looked up the number and seen the replies against this company I called them back and told them what I seen on line and that I would be reporting them immediately she said your name has been taken off the list thank you and hung up .

LOL!

The proper local jurisdiction to file police reports would be the Charlotte-Mecklenburg Police Department
http://charmeck.org/city/charlotte/CMPD/Pages/default.aspx

You can make a report by telephone - If calling outside the Mecklenburg County, the Non-Emergency Crime Reporting: 704-336-7600

You can also make a police report online at
http://charmeck.org/city/charlotte/CMPD/Pages/ReportACrime.aspx

Yeah, so, a little background.  I've been getting calls for 3 years from this outfit.  The numbers they're using to call me currently are 1-888-512-1385 and 1-888-512-1278.  There have been others however.  My phone is corporate leased by a major bank which I've had for 3 years and I've informed them a number of times that I don't know who the person is that they're trying to reach and to stop calling me.  Well, you all know how that goes.  Obviously they're robocalling and either too lazy or too stupid to know how to drop numbers from whatever database they're using.  Naturally, they're rude and nasty because they're criminals which, is likely the real reason they won't remove your number.  They don't give a ****.

It occurred to me today that from now on, when I'm killing time, I'm calling them.  Even when I'm on the toilet.  Why not? The numbers are toll-free for me, not so for them.  Maybe we can all call them at the same time?  See how they like it.   I'm going to call until they block me.

Anyway, I did a little research into RJ Financial LLC and found this on Page 12 in the Charlotte Chamber of Commerce's announcement of new businesses last year...

RJ Financial Services LLC
Jobs: 4 S.F.: n/a Inv: n/a
1325 Fairmont St., Charlotte, NC 28216
Rayshawn Tyler, Owner (704) 322-3505
NAICS: 54 Collection services

Well, hello Mr. Tyler.

Oh, and you might be interested in viewing RJ Financial Services LLC corporate headquarters according to the address given the Charlotte Chamber of Commerce...

https://maps.google.com/maps?q=1325+Fairmont+St.,+Charlotte,+NC+28216&hl=en&ll=35.255324,-80.854474&spn=0.000018,0.016469&sll=35.255382,-80.854694&layer=c&cbp=13,288.04,,0,0.1&cbll=35.255324,-80.854474&hnear=1325+Fairmont+St,+Charlotte,+North+Carolina+28216&t=m&z=17&iwloc=A&panoid=mS4mPcv4CU5xkl6hogurOw

Tamika Bryant...Rayshawn Tyler.  Next time you get called, ask to speak directly to either Tamika or Rayshawn.  Tell them that while you're waiting for the Sheriff, they can expect a visit from the Sheriff of Mecklenburg County as well as WBTV Channel 3 "On Your Side' if they don't stop calling you.

I  have been getting calls from them as well. When I reminded them that attempts to collect Pay Day Loans in New York were illegal they change their tune saying they are charging me with bank fraud. They said they would serve me with papers in the morning. I told them to come on and they continue with this automated call.

I received a call from 855-967-0061 a while ago here at work.  The "lady" I spoke to said I was going to be sued for "Malicious Intent to Defraud a Financial Institute".  This stems from a payday loan from 2010.  Since then I have filed bankruptcy and I am still paying off on it.  I explained to her that I had filed bankruptcy and she said that it did not matter.  That they were not going after the unsecured portion because it had been discharged.  She said they were filing for the malicious intent and that the whole amount was $4,358.65.  The loan amount was only $361.00!  Can they do this?  I did call my bankruptcy lawyer.  Should I be worried that they will take me to court?  Anyone? Help!

Got a call from 1-855-947-7266, a person (or so called investigator by the name of Analia Ramos) called saying that they were filling legal procedures for a credit card company HSBC that we had back in 2001. She said it had been charged off in 2010 & now we needed to pay or they would garnish my wages.  I explained if something is charged off, the credit card company no longer goes after you for it, it's the collection companies that do, and it's no longer collectible due to its time frame!

She was very pushy and wanted to settle from $ 2,886.95 to $1,500 as long as pbMt was made immediately)

You have mail

Oops, sorry for the double post!

Do you know the owner's name?

Lala, do you know who owns this company?

Scam.  Per the FDCPA, you should not pay any caller who refuses to mail - do not accept email or fax - proof of debt and proof your caller can collect said debt.  Refusal to mail this proof within five days of their first call to you is a violation of federal law.  More here:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
******************
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
*****
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.
****************************
Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

For Extortion Scam Operations, file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Scam? Or is the any legitimacy?

Same here. They called my father when i was out of the country and said i owed some ridiculous debt from 2007. He was worreid for me and he paid them $1800. I want justice! Im in for any class action lawsuit. My email is theeckmaster36@gmail.com

I have been getting calls from this number as well as several other numbers, for about a month now, from a company claiming to be Sanderson, Blaine, and Associates. They have called every cell phone on my plan and my in-laws as well. Some numbers come up out of area and some come up Cambodia when they call. I do have debts from a few years ago when we came into a financial hardship and I am currently trying to pay back those who are willing to work with me. I have never had anyone be as rude as this person, Morgan Taylor. She had the info about a debt I legitimately owe but with a much higher amount. She informed me if it wasn't taken care of they would forward the info to my county to prosecute for the amount owed and for bank fraud. I felt like something was off but I also have some judgements against me and don't care to have more. The statute of limitations in my state for revolving debt, which includes credit card debt, is 3 years. But it's not true that they cannot sure you once the statute has passed! That's what I was informed of and so the last summons I got in 2013 was for a debt that was last paid in 2008 and I've not acknowledged the debt nor spoken to anyone since then. I didn't respond to the summons nor show up at court as I thought it would be denied but that wasn't the case. If you do not respond specifically pointing out that the statute has passed a judgement will be granted as it was in my case. Needless to say I didn't want another judgement and the statute hadn't passed on this debt so I worked out an agreement to pay $100 monthly starting March 7th 2014 and ending April 7th 2015. At that point Morgan Taylor transferred me to someone else to verify my info and confirm payment details while the whole time I'm wondering if this is somehow a scam. Well 2 days later I get another call from her stating that my failure to live up to my agreement was a serious problem and they were going to escalate my case for prosecution if I didn't call back immediately. I'm thinking somehow my number didn't get removed from the system and it was a mistake so I call back but get sent to her voice mail. I then check my bank account to see if the first payment has come out yet and it hadn't. Over the next couple days and even today I get calls, so does all my family, with a recording stating they're gonna sue me. I don't check my e-mail often and when I checked the other day I had a document from a Nicole wanting me to e-sign for them to take the money out. I was never told by them I would get anything to sign and I'm glad I never did sign it. The form is expired and Google will no longer let me view it or else I would share it with you guys. But the point is I almost lost money to them and I'm soooo glad I decided to check them out. Thanks everybody for the stories cause without you I would've got back in touch with them and signed that dang form!! I am willing to provide testimony and any useful info I have to see these people prosecuted to the fullest extent of the law. Please, feel free to contact me by e-mail if needed!

Reanderson78@gmail.com
Rda41978@live.com

Well thank you again for your responses and the information you have been kind enough to provide in this situation.  I can be reached via email regarding this matter at shillkill24@gmail.com

Your very welcome! I just hope someone bring them down. Give me your email I have alot more info.

These guys call me all the time, threatening crazy s***. They say they are the Feds!!! What the hell!

The most accurate answer to your question I can give you at this time is I have worked in the area of criminal justice for over twenty years.  You posting the name of Berkeley and Associates did the trick ;)  

Thank you, you have been more helpful than you could ever imagine!