email me at:bronwynnmerkle@gmail.com

Please get back with me on this legal issue.  They called to say they had a legal affidavit on my husband on a onlinli payday loan online in my husband's name.  He stated that they were going to represent me with a supena to appear in court, and that if found guily, i would be paying $5000.84 to pay.  I know i made 4 online loans, but to advise from my bank , i closed the account due to the fact, other third parties were taking funds from my account that i didnt know about.  My ignorance. My bank told me to close the account out, so other third parties would not take out of my account, which so far accounted to 300.00$ or more.  It was hell, trying to get my claims dept to understand what happened.
A joseph Matthews with USCASH, legal dept, told me my husband committed fraud, and they were going to issue a supena at 11:00 am Tuesday, the 2nd of Nov.  I dont know what to do. If your knowledge is adept in this field, please help with your advice.

Bronny, a truly honest individual, that stands for Justice for all, and will not keep fighting for the right of individuals on online payday loans.

It's a debt collection scam. And all their threats are false and illegal.

This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)

The bottom line is, these are criminals trying to steal your money.

A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Did the person that called you have any information on any bank accounts for you??  I got a call from a person saying there were Felony check fraud charges being put against me and they had my bank account from three years ago, all the number, right bank name, everything..... and admittedly I did use a pay day loan in a bind then, I was supposed to be sent docs in the mail and via email with no information rcvd to date (that was 3 weeks ago)

The phone# i have is out of GA but her "agency" this lady says she is with I can't find on the internet at all, and it has to be a multi-person thing b/c she kept asking "investigator" so and so about things

TO THE IDIOT( THAT KEEP POSTING FALSE INFORMATION ON DRIVERS LICENSE SUSPENSION AND BAD CHECK CHARGES in relation to NON- EXISTENT payday loan defaults.


800NOTES keeps removing YOUR FALSE information and will KEEP REMOVING them as long as you keep posting them.  

IT DID NOT WORK BEFORE AND IT WILL NOT WORK EVER - no matter how many times you attempt to RE -post YOUR LIES  they will be removed.

I am sick of these crap claims from payday loan collectors threatening to revoke your license...total bs.... learn how to interpret the law dummies.   just another false threat designed to make people pay overinflated made up amounts on loans that were probably illegal in the first place.  they call it "zombie debt" for a reason.

If you a frequenter of payday loans, you've probably pondered this question: can I be arrested for default on payday loan?

The simple answer, no.


There is no law that allows you to be arrested for not paying off payday loan debt.

In fact, according to the Fair Debt Collections Practices Act (FDCPA), it is ILLEGAL for a lending institution to threaten a person with the possibility of being arrested for non-payment of a debt.

No matter how many threats you receive about being arrested or charged with a crime, it's not going to happen, period.

If a person could be arrested for defaulting on a payday loan, the court systems would be twice, if not 3 times, as jam packed as they are now.

Luckily though, that is not the case, so stop worrying about being arrested for defaulting on a payday loan!

http://ezinearticles.com/?Payday-Cash-Advance---Can-I-Be-Arrested-For-Default-on-Payday-Loan?&id=1467463

Nice try collector troll! My credit rating is 750. I own my own home and two cars. I do not use credit cards, so no debt there! I will admit, one car is purchased on credit (25K) with 9K still owed. Always paid on-time.

Good luck with gibberish and your tired scam!!! LMAO

Defaulting on a payday loan is not considered check fraud as the creditor knew the check was post dated and may not have had sufficient funds to cover the loan. The courts consider checks in this case to be a form of promissory notes. Similar to the contact signed for credit cards.

Always ask the collection agent to validate the debt fully according to the FDCPA. Look up Fair Debt Collections and Practices Act on online to get additional information.

this is a typical post from a debt collector troll trying to convince you that this ILLEGAL debt collector is LEGIT when they are not.    

They always post fake information like this.  They do not use paragraphs, correct grammer or spelling.

At least this one did not post in all CAPS as most of them like to do

I never said they did - but some collection agency is FRAUDULENTLY using this same companies name.   Which means they are using illegal collection tactics to defraud people and make them impossible to find.

I was not able to find any collection agency by that NAME and only posted what I was able to find.

LMK Associates in Virginia is not affiliated with the people in question.  LMK Associates in Richmond, Virginia is an Intellectual Property law firm and is in no way connected to the people to which these posts refer.  LMK Associates in Richmond handles does not handle collections matters.

Good luck!! LOL......Where did you learn consumer law? Cracker Jacks??

One word: Paragraphs ......use them!

So you own a pawn broker shop and did not renew your license?? WTF are you talking about?

-_- You guys need to get a life
@Yeah ok truth hurts

If they've dug themselves a hole, then they'll be the ones to fall in it. Not you...

YOU ARE A TYPICAL DEBTOR YOURSELF---TOO BAD YOU AND YOUR WHOLE FAMILY ARE IN OUR SYSTEM---YOU NEED CLASS 101 FOR HOW TO PAY YOUR BILLS SCUMBAG LOSER---WE CAN TAKE YOUR LICENSE AND ALSO SUE YOU DUMB A**---THATS WHY YOU PROVIDED YOUR LICENSE TO SECURE THE LOAN WITH YOUR CHECKING ACCOUNT...GET A LIFE LOSER--

THIS ADDRESS IS A UPS STORE IN A STRIP MALL -

MORE THAN LIKELY A BOGUS ADDRESS SO YOU CANNOT TRACK THEM DOWN



If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Found them easily on a GOOGLE search - I do not think this firm is the one actually making these calls.
I suggest you call them directly and ask if they have this PERSON working for them!


CONTACT

Please contact us via email at: info@lmkassociates.com
Write to LMK Associates:

Richmond Office:
1520 West Main Street
Suite 202
Richmond VA 23220 (USA)
Call us: (804) 359-2959
Fax: (804) 359-4156

Yorktown Mailing Address:
P.O. Box 1243
Yorktown, VA 23692

Newport News Meeting Address:
BusinessSuites Oyster Point
11815 Fountain Way
Suite 300
Newport News, VA 23606
Call us: (804) 359-2974
Fax: (804) 359-4156

THIS IS A SCAM -

YOU CHECK WITH YOUR STATE ATTORNEY GENERAL'S OFFICE AND GET CORRECT INFORMATION BEFORE YOU BELIEVE THIS POSTING


Funny that what is provided here in this post has to DO WITH A BUSINESS LICENSE - NOT DRIVERS LICENSE.

As for the other posts about CHECK FRAUD - The Original Creditor - NOT A COLLECTION AGENCY
has to PROVE that YOU DELIBERATELY INTENDED TO DEFRAUD THEM in order to get the DISTRICT ATTORNEY to file check fraud charges.  

Once the Original Creditor sells/assigns the debt to a collection agency they have decided its NOT WORTH THE EFFORT TO COLLECT THE DEBT themselves.    

AGAIN IF YOU HAVE CONCERNS THAT THE ILLEGAL THREATS YOU ARE RECEIVING FROM A COLLECTION AGENCY ARE TRUE - CONTACT YOUR STATE ATTORNEY GENERALS OFFICE FOR CORRECT INFORMATION!  

You can locate your ATTORNEY GENERAL here  
Link to all State Attorney General Websites www.naag.org

You have to be kidding me that a license can be suspended for bad debt!  These guys are nothing but clowns.  First, they have to sue you in civil court (if they even have counsel in that state).  Then, they actually have to prove their case with actual paperwork signed by you (oh, was it an internet loan, good luck proving that).

Long story short, do not fall for these bottomfeeders and their latest trick to scare you.  Do not beleive the posts above for they are just posts made by LMK in order to look like they are legit.  

Please look at Bud Hibbs website and know your rights!!!!

THESE POSTS ARE HIGHLY SUSPICIOUS -POSTED ONLY TO SCARE PEOPLE INTO FALLING FOR A SCAM.


DO NOT IGNORE A DEBT COLLECTION - BUT DO NOT FALL FOR A SCAM EITHER


YOU WILL NEVER RECEIVE A SUMMONS AND A JUDGEMENT TOGETHER!  
Summons is to appear in court - JUDGEMENT is after the court case.

PAY DAY LOANS ARE DEBT -AND DEBT IS A CIVIL MATTER - NOT A CRIMINAL MATTER.

CHECK YOU STATE AND LOCAL GOVERNEMT COURT HOUSES TO SEE IF YOU HAVE IN FACT BEEN SUED OR A CASE FILED.

Wow same thing happened to me today he said he was calling from New York the number he gave me was 18667032129 the address he said was 3842 Harlem Rd, Cheektowaja NY 14215. I believe it is afraud. I was told that a judgement has to be filed first before anyone can suspend your license or anything else.

This guy just called me as well,speaking of 2 pay day loans on a closed bank account from 2 years ago. He states that he is not a collection agency but a legal outsource, he tried to get smart with me about payday loans I owed stating collectively the total plus a restitution is 2,627 and it needed to be paid tomorrow. He suggested I call all my family to borrow the money to pay this. I told him I have no paperwork, nothing in the mail, and I don't know what he is talking about. When I asked how much was the loans he said anywhere between 300-500 dollars on each, but could not give me a straight answer or a case # for them. He also stated he had the final say in it being sent to court for check fraud tomorrow. I don't know who he is - but I'm not shipping someone money when they don't have all the facts and I have no proof of owing a bill. Also he told me he would not give me the # to the loan company - he owned the account and not to call them, and not to call him again either if I didn't have the 2600. I hung up - let him wait for that call. In the meantime, I'm filing a complaint of my own. 877 238 1808

file the AG,and FTC complaints.also file a police report for the call.then ignore him.he can't do anything he stated.look up LMK and you will find a few discussions on them.i'll see what i can find as far as an address goes.just file the complaints,and report and don't talk to them again.a bottomfeeder that has to try and threaten because that is all they got.

I received a call today from a Tony Rollins from LMK & Associates. He said I had 3 charges pending against me for a payday loan from 2008 from Total Lending. He said the charges were theft of services, fraud and malicious intent of something. He asked me if I had received anything from my county in the past few days because they were submitting something that was going to suspend my driver's license within the next few days. I asked him what the name of his company was, he just said LMK and wouldn't tell me what that stood for, and when I asked him for written documentation what he was calling about, he told me that he wasn't my babysitter and he didn't have to provide me with any information. He would only give me a phone/fax number. I have been through the ringer with PDLs and have paid what I owed. I even have filed some complaints with the OH Attorney General's office to deal with a couple of them. In fact, I filed one re: Total Lending and I have a letter from another collection agency that was supposedly representing Total Lending that the issue was resolved. I also have a letter from Total Lending saying that I have been removed from their database and to contact them if anyone ever contacts me about this again. How can they just keep forwarding/selling this account to others? Does anyone have contact/address info for LMK so that I can send them something. I may start another complaint with the OH Atty General's office re: this new collection agency. When I told him that I had something that said this debt was not valid, he just said that I didn't -- that it must be for something else and that he wasn't a collection agency. He said they were a "legal outsourcing firm." He wanted me to pay "restitution" of over $1,000 to keep the matter out of court.

How can you go to jail for Check fraud?

Short and simple...Yes you can go to jail! Check fraud is a deception deliberately practiced in order to secure unfair or unlawful gain. This can be punishable by a sentence of incarceration as directed by the courts.

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