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 sold it to the coolection agencys and call the collenction aggency most of them are out of business thats why they have your information on there desk please pepple dont fall for this it is so rude of them i asked them to send me some kind of paper they said they do not have anything they can send to me nor did they have an address for me look up ur credit report and see where the collection agency really is.. best of luck they are not really there fake ppl do not fall for it

This company's employee called me from 855-414-6205 and left the call back number 855-948-4460. She wasn't looking for me. My number came up when she was "investing" someone else. She told me their corporate offices are located in South Carolina. She wouldn't tell me what the situation was. She was very evasive.

I just got a call from them today and 2 other times over the past year.  This is the first time that I have pressed for their business name. They said that my 75 year old mother was going to be charged with fraud over an HSBC Debt- with sketchy info that they had wired her money to a bank account in 2009- which we all know did not happen) They could not provide any documentation. Last 2 calls have been more aggressive - saying they have provided all the information that they will provide and are not wasting any more postage (but we have not seen any info) and then told me today that we would have to go to court. I said where - she said Iowa. My Mom has not been there in many years. Saw this sight and called her back and told her don't ever call me again she said "Okay thank you!" and "On a watch list for fraud? (Like she was talking to someone else)-  and hung up. 855-414-6205 Chelsea Hunter was her name from Bailey Rowe & Assoc.

I keep getting phones call from that # and even a local Alabama # 205-332-1874. My ex husband calls me this morning telling me that ppl keep calling him, his mom and grandmother looking for me. Seriously??? Why call ppl who I don't deal with? Why not call my family? Not my ex's family. I called them back and the 1st person I spoke to, I couldn't hardly hear him because of all tge noise in the background. The 2nd one was so rude, when I told her I was calling my bankruptcy attorney since everything was taken care of, she said "I don't give a damn who you call, we will get our money or you will go to jail honey". When I called my attorney and she said this happens all the time. I gave her the case & phone numbers cause she said let her call them for herself. She called me back and said they kept hanging up on her, she'd call back & they wouldn't give any pertinent info, some said they didn't have to speak to her. Just craziness. She gave me the www.ic3.gov website to lodge my complaint.

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

I recieved a phone call,informing me i took out a loan for 2000 dollars and if i did not pay that would take me to court. they wanted me to start making payments today or one time payment of 700.  When starting asking questions,the investigater hung the phone up.

You must be one of the terrorists that keep calling us if you posted something like that. Get a life, we will track you down someday and you will be in prison for stealing money from us Americans.

The post from "concerned citizen" was nothing more than an attempt to deceive consumers by creating confusion, uncertainty, and misunderstanding.  

Even if the call recipient did owe a loan, that does not mean that the entity who called owns that debt --- "concerned citizen" would simply like anyone his outfit calls to fork over how much money they demand for whatever reasons ASAP and will use all kinds of illegal threats of arrest to do just that.

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

"I checked with my bank and saw that I actually had the loan deposited into my account. " "Come on now we know whether or not we owe a debt "
So what you are saying is that you took out a "loan", had it deposited into your bank account, and then completely forgot you took out the loan and had to call the bank to see if the money was there?  So suffering from the effects of early onset Alzheimers?  How can you claim to be a "responsible citizen" and not know that you took out a loan?  Maybe because you had no plans to pay it back?  Guess that would make you an "unresponsible citizen" then.
""we don't review the reviews on the loans when we take them out "  How about trying that in the English language please because otherwise you have just proved yourself the fool.
By the way, how much did they say they were going to pay you for this post and then my next question would be; "How high did the check bounce?"

We do our research here. We can spot a SHILL for a fraud-shop a mile away. You're one of them.
Would you like to know our best methods for exposing frauds such as yourself? It's simple. We simply ask you a couple of questions. We ask for an address. You will NOT provide a valid physical address. We ask if you've mailed a notice of validation to the supposed "debtor". You will NOT comply with federal law & do so.
A wary consumer can neuter you jokers by simply knowing his/her rights under the FDCPA. You are nothing more than pitiful scammers attempting to collect invalid, time-barred or purely fictitious debt. In your case, I suspect it's all the latter. You have nothing but vague information on your targets. Which you are trying to turn in to money because you're incapable of attaining or keeping a legitimate job.
Skeff Ett Liv!
Gunnar

I thought that it was a scam too. I cursed the lady out and all until I checked with my bank and saw that I actually had the loan deposited into my account. After finding out that information I felt really low and called back and made a payment. Come on now we know whether or not we owe a debt or we can do our research and find out. Being honest we don't review the reviews on the loans when we take them out we don't care whether they're good or bad.

Their calls now show up as a local number. When you ask them for directions to their office, the "investigator" will tell you their corporate office is in SC.

Since this operation is based in the Charlotte NC 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

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

Got a call from 855-414-6205 I could barely hear the girl as she told me she was some investigator and I had committed medical fraud from 2006 in Texas (which at that time I lived there) I went back and forth with this lady asking for proof of the debt.. she refused.. just kept saying if I didnt settle it then the lawyer was going to ask for $2500, when she said medical fraud, ill admit.. I was scared.. I asked for her supervisor.. she refused.. I asked for proof of the debt.. she refused.. I stated that I work for a rental company and know my rights, I have asked for your supervisor.. you have refused.. I have asked for proof of the debt.. you refused.. I aint giving you a &#%^^% dime!! and I hung up on them.. however I did start to worry and called back.. talked to someone different who said I could settle the debt.. I asked for the amount and he said $500.. well now I got a little curious.. no lawyer is going to file a small claims asking for $2000 in legal compensation.. no judge would grant such an order.. foolishly I updated my address with them and agreed to pay.. to which Jaime tells me he can settle my debt for $386 if I pay today.. well now im really interested in this.. so I tell him I cant do it today but that ill call back with my credit card.. When I called them back I talked to Misty and informed her that I had contacted my lawyer and that she had stated that her company had been reported as fraudulent.. I was put on hold.. after a few min I hung up. Shame on me.. I should have known better.. for one folks.. debt collection is a civil matter.. not a criminal.. they can only ask for the amount of the debt plus REASONABLE fees.. I really hope that people will do what I did and research them.. they ALMOST got me.. dont let em fool you.. FAIR DEBT COLLECTIONS ACT of 1977.. read it..

855-414-6205 Called to find out why they were calling my 15 year old childs phone.  They wanted her name and I told them I don't think so she is a minor. Ask for her number to be removed from their calling list. Yes I said calling list because that is what she said to me.  If it was legitimate they would have had to pull up the file on the number and put it in as a wrong number for whom ever they were trying to contact.  But no she said, "may I have the number so that I can remove it from our calling list". Yep scam scam scam...

Val, if Ms Strong calls back, remind her to look in the mirror next time to see who is actually perpetrating a fraud. When/if these jerks are ever caught; I will fly to wherever the heck the courthouse is and laugh my rear end off when they're all there dope sick because they didn't get their daily shot of heroin while sitting in the can because they couldn't afford bail.. As for the man who wouldn't identify himself, please, do tell him you know what kind of person HE is. Frigging POS's all of them. I work in security detection and I know there are ways to find these idiots and I just want to know WHY they get to keep going?! If they're getting phone numbers from Magic Jack or whatever, why doesn't Magic Jack do something to keep people from getting phone numbers that easily?! I would imagine we all have to wait until some Senator's relative starts getting these calls before anything is done. God bless America! Got to love the scum of the earth opportunists these jerks are. I don't understand how these jerks sleep at night.

JBan, that's freaking AWESOME! I've been getting these ridiculous calls for about 4 years. I usually don't answer but if I'm in a feisty mood and want to argue; I'll answer and they always end up hanging up on me because I start spouting the FDCPA. Of course, they say they aren't libel under the FDCPA and I just read the definition of "debt collector" in the FDCPA. I agree with you, they are passing our information around the crack house or shooting gallery, whatever the heck drugs these jack-as*es are using. One time, I called one of them back 5 times in a row asking for their address so I could send them a Cease and Desist and the dumb broad first tells me "we don't give out our address cuz of people like you" and then the last time I called, I get "I don't know who you are, but stop calling here". I replied "I'll make a deal with you; I'll stop calling you if you stop calling me trying to extort money out of me". I think she had trouble with the definition of "extort", though. They called my cell 8 times on Saturday, today about 8 times on my work phone and just left a message this last time. I swear, they better hope I'm not in a mood next time because they shall be sorry they dialed my number, for sure!!

Have been called 3 to 5 times a day from a local area code number. I finally answered and it was a lady from Bailey and Rowe Associates stating I had a breech of contact and theft by check and bank fraud and would be taking me to court if I did not pay a sum of 500$. They said it was for a company called Cottonwood for a pay day loan. I have never heard of this company. I have asked them repeatedly which loan compant it was through and they would never tell me. I know I have had pay day loans I have paid off. But they where threw Cash stores and Check N Go. I finally told them that I was reporting them for fraud. Does any one know how I can check if I have un paid pay day loans and how to go about taking care of them?

Bailey and Rowe have been calling and threatening me for weeks.......claim I'll be sued...court etc.   Refuse to send me anything in writing.....said I face several charges....I don't understand with so many people being harassed, how these people  cannot be stopped...they also can from many different numbers....they are so threatening........they claim to be investigators...claim I owed over $3000...then said they'd settled for $1000...

I received a call from Bailey and Rowe claiming I owe a debt from M1Y Direct. The called from a (713) area code, but stated they were in North Caroline.  They could not provide the contact number for the initial vendor.  I stated it's false and that everything was settled 3 years ago.  The representative claimed MY1 had made multiple attempts to contact me which wasn't true.  Two week prior I received a call from a Lance claiming to be with The Department of Legal Services stating I owe M1Y Direct money.  Same story.  I refused to provide any information and told them to go ahead a process whatever they needed to and we would meet in court if necessary.

my husband and I have calls from 704-764-6008. The caller said her name was lisa brooks and she was trying to find my mother in law for an investigation. They gave is the 855-414-6205 number give her.She called on our cell phone, which are not in our names. she would not tell us any info. My mother in law called and they claimed she owed debt for a hospital bill and they were pressing charges. she gave them her email address to send how to pay the bill.

Now showing up under different numbers but same song and dance.  Beware and do not talk to these scumbags.  Todays number was 765-203-2227.  I live in Indiana and that us why I even looked at the number twice since us was from my area code.

Yes the said South Carolina

Good for you for trusting your gut instincts!

Rick - South Carolina is what she told me. Then I asked why they have a 602 area code phone number (Phoenix, AZ area code) and she said well we have offices all over, but the South Carolina branch was their collections branch...But apprently they still use a phoenix number! lol

She didnt get what I was asking

Got a call today from these guys. Same routine...I have to pay them or they are going to forward the info to the courts and i will be charged with 2 counts of fraud. They almost had me paying them, but it just didnt feel right. Made her wait on the line until I got home and googled the name of the company and found this thread.

What a hoax. I know this debt was paid back in 2009. If I still owed Cash Now $1100.00 they would have contacted me before this time.I asked for documentation and they said it was past that stage, it was too late for documentation and that it was a "Time Sensitive Situation" and the paperwork was going to be sent to the courts tomorrow. I made her wait for over 5 mins while I goggled this thread, then got on and layed into her. Told her that I knew what she was up to and that I was reporting her and I hung up.

havent heard back from her

Received  a call today from an investigator Wanda from Bailey Rowe and Associates, ph# 855-967-6218, claiming I owe a payday loan to Kenwood Services from September 2010.  When I questioned the validity, they did not have any information. The I asked them why does their name come up in a fraud alert database, and the lady responded " wow" and hung up the phone. DO NOT ENTERTAIN THESE FOOLS!

Did they give you a city and state?