Called saying that I had 72 hrs or I would faces charges in pott county

One important thing to remember if these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
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credit reports:  Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
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If they sent anything to you via email, you can turn it over to the cyber crimes division of the FBI.. You didn't mention how you paid them, but if you used a DC or CC, make sure you close those (file a police report with the local LE then go to your bank in person and file fraud and they can shut them down and give you new ones)

Please do 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/

Also read up on the laws and your rights:

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

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

I got call from these people, they claimed I would be charged with Fraud and I got scammed out $100 before I realized what had happened. They had all my information. birthdate, ss#,email. The lady name was Ms. Washington and a Ms. Stacy Jackson. When I called it was a male that answered. I asked them to send me information in mail they replied by saying "that's what I'm sending to your email".They even asked why I was asking for the information and that I had made previous arrangements and defaulted. This number 8558958949 Please be aware that it is a scam! Named being used is Ms. Washington, Ms. Stacy Jackson. They also have a male working with them.

>>"All i can say is this,whats done in the dark will out in the light!!!!"

True words never written by a shill.  You have been an exposed as an illiterate, low-life, bottom-feeder who resides in a maggot infested boiler trying to scam the good folks.  Then you have the temerity to come on here and put your moralistic ramblings (that I am sure you don't follow) to try and guilt people into falling for your scam.

Epic fail!  May you choke to death on the bovine manure that spews from you mouth

Well goody for you! No one in their right mind pay's a bill they do not legally or morally owe, especially to scammers..  Now back to your broom in the boiler room --->

"... time to check MY paperwork..."??  That's not how it works, shill!  The FDCPA requires debt collectors to validate the debt by providing THEIR paperwork to the customer proving that the person owes the debt, that the debt collection company owns the debt, and that the company is legally are allowed to collect it.

"whats done in the dark will out in the light" - yes - that is the purpose of this site - to bring to light scammers like yourself who prey on people who are "in the dark" as to their rights under the FDCPA.

Nice try, shill... well, no not really.  Rather pathetic try actually.

A minor SHOULD have a phone for emergencies.  The unwanted  (and possibly ILLEGAL) calls come from companies that hire shills like you to post their garbage on sites like this.

Don't they teach grammar at the school of shillery?  If they do, you are a flunky!!

Another shill who can not write a correct sentence but has plenty of time to hang out here.
The only scam is your input!  BTW if you have morals, why are you a shill for this UNAMED company???

Your shilling is god awful. If you're gonna come here and lie, ffs, at least find a better babelfish, k?

I'd say "LEARN ENGLISH, JFC."  Your grammar is nearly as atrocious as your scamming attempts.

Look, we say it ALL THE TIME here, but again, because you're slow:
We never tell anyone not to pay bills that they legitimately owe. We do, however, attempt to warn them against scam artists like you who illegally tell people they'll be arrested for not paying a bill that they've never even received validation on.    

You are a scammer and a shill. This company is shady at best.

NO ONE should EVER pay a bill just because someone threatens them. Ever. Period. Burden of proof is on the collectors, and sorry not sorry, but your shilling here and claiming that you received a letter is just another lie you've been caught in.

Do not pass go, do NOT collect (a stolen) $200, and go directly to jail. BYE NOW.

SO let me ask you!,are you one of those who does not pay your bills?,and if you do pay your bills what do you have to say about these people who make it hader for people like me that has to pay mor at the pump,insurance also taxes! why do people get what they need then turn around and say they dont have a clue about anything! i just believe this is another part of the world coming to an end!!!! to each there own!

if you dont know whats correct,why not google that info,i did! key word is again evasive!

i dont know if you spoke to the same kevin,i did get a message for someone with the same name but this guy gave me time to check my paper work,i knew that i took the loan out! i only made two payments back and then things went bad. just on my morals alone i paid it,i was evasive like most people,we use scam and other words just because we cant pay or dont want to pay...All i can say is this,whats done in the dark will out in the light!!!!

No one bought your lies the first go around, shill, and no one is buying them now.

This outfit is using illegal tactics to extort money on debts people may not even owe.  If anyone receives a call from these jerks, PLEASE DO REPORT IT.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.




If you think that a caller may be a fake debt collector:

Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
http://www.consumerfraudreporting.org/reporting.php

fyi i did get a letter and an email this was my debit but life happens. i got the letter in 5 to 7 days  just like they said i would.thanks for caring

No one gets a call before they're served - the court process server just shows up.  Doesn't matter if they know what the debt is and the amount - that information is easily available for a few dollars on the Internet.  NEVER pay anyone unless they MAIL proof that the debt is yours and proof that they have the legal right to collect said debt.  If they refuse to do this, they are owed nothing, per the FDCPA (Fair Debt Collection Practices Act).  Report the caller to the FTC, FBI, Dept of Justice and your state's Attorney General.

So you had debt amnesia?  I do hope you demanded they mail proof that the debt was yours and that they had the legal right to collect.  If not, you probably just got scammed.

It shouldn't matter whether it belongs to a minor or an adult.

Don't give your minor child a telephone if you don't expect them to receive unwanted calls.  Nobody knows it's a minor's phone except you.

I received a call from Kevin, 855-895-8949 this and it's related number 330-205-7460 threatening me with restraining orders and giving me 4 hours to call them back.  They even called me at work and also on minor child's phone.  After research, they are scammers. I reported them.

Ms. Washington called from APR saying I have a IVC Offense????? that I need to call and take care of!! Really; mentioning a file with my county....blah blah blah...like I was born yesterday...they actually had this on the news...It is illegal for a debt collector to call saying their is a lawsuit!!!  I have no debt with APR..unless they are the original holder of the debt you owe them nothing!!!!

they are threatning to serve me if I don't make arrangements to pay, I do have a debt and it is crazy how they know the amount and all, but I don't think anyone gets a warning before being served?

think this is all a scam is it?

The Same group of people called me APR and told me about a debt i had. I forgot about it!!! Anyways they were super nice and cut the bill in half. I took care of it. they gave me all the paper work showing I'm free and clear. Thanks Guys

I got a call about a debt that needed to be paid.  It was an old credit card I had let run up & not paid.  I don't know what to do because I can't even begin to afford to pay it back.

Threatening call about a debt saying they will press charges if not resolved in 48 hours...I dont have a debt...so when i played like i was going to pay it, i asked for a payment option on the 1st of the month and they said,   "dont worry about it we will handle it how we decide." Then they call my moms house and say they cant get in touch with me....all of this at 7:15 am!!!  Phony a** bill collectors