I RECEIVED THE SAME PHONE CALL SAID HIS NAME WAS BRANDON WITH ASSET VERIFICATION,  HE LEFT A VOICE MAIL,  THEY HAD THE WRONG FIRST NAME " MARLANA " BUT MY LAST NAME, AND SAME AS ABOVE STATING I  HAVE TO CALL 877-630-6491 ,AND HE LEFT A REFERENCE #, THAT THEY NEED TO VERIFY MY ADDRESS AND PLACE OF EMPLOYMENT AND SIGN PAPERS,.... AND SOMETHING ABOUT THE FEDERAL & STATE LAWS.
THIS NAME DOES NOT BELONG TO ANYONE IN MY FAMILY...  THIS LAST WORDS ON THE VOICE MAIL  WERE  VERY SNOTTY , " YOU HAVE BEEN NOTIFED " .... REALLY... DON;T CALL THESE PEOPLE BACK, THEY ARE TRYING TO SCAM YOU.... IF YOU OWE MONEY TO ANYONE,, THEY WOULD HAVE YOUR NAME ,ADDRESS AND EMPLOYER, AND YOU WOULD GET MANY NOTIFACTIONS FROM THE COMPANY YOU OWE MONEY TOO.

Called Megan Parker back and asked to be sent something via mail regarding the debt and she stated the same that she could send something via fax or email and that it could be faked through the mail just the same. However, if she was a real debt collector she would know that the documents would only be legal via mail. and she also stated that in the midst of waiting for the docs that i would probably be served which again cant be said since no judgements were made. She couldnt tell me who "sent" the debt to them. Also, they left personal information on my voicemail and my brothers voicemail about the matter which is a violation  as well. DO NOT GIVE THEM ANY INFORMATION. read the fair debt collectors act and rules before ever giving any info out.

I had a call from 877-630-6421 and spoke with Jopseph Gardena Ext 106. i even set up a payment plan on an old orchard bank credit card that i had. No money was ever taken out and two weeks later i got a call from 844-415-7494, Megan Parker who indicating the same as everyone stated above. very unprofessional and providing conflicting information. Stated she was with KMF Group (1000 Bristol St North St Ste 17-132 Northport Beach, CA) and had no idea why it was sent to her litigation firm if payment arrangements were made. So, i called back  to speak with Joseph Gardena. A guy named Josh answered and when asked what the name of his business for documentation was i had a payment plan set up he said M&S and when i asked what that stood for he said well it could stand for anything really. I think it is my boss's kids' names. I asked if he had an ID number or a last name again for documentation. He said no and that they dont provide information to just anyone who calls in without a file number. i said i didnt have one and he said ok you have a good day and discconnected the call. i called right back and asked to speak to Joseph he said we will not speak to you until you give us information on who you are. i said my name and that i wanted to speak to joseph about it. He covered up the phone and told someone she wants to talk to joseph gardena. he came on the line and said he is on vacation and hung up the phone. so, yeah. both places are jank!

I received the same phone call/message from "Mike Taylor" looking for someone else with the same last name. Don't know how they got my number. They left a "claim number" and the phone number I was to call was 877-937-0512.

Haven't called them, and don't plan on it.

Like the 2 previous posters, I received the same message. This guy sounded a little slow and nasally, I did not get the name it was too fast. Basically the same message with a pending litigation matter and a pending appearance date?

Really, since when does someone call you and give you notice of your going to be served. Last time I checked a process server does not call you first, they get you when you least expect it. As far as contact, most legitimate collection agencies send a certified letter.

This is truly some type of shame; especially the guy leaving the voice mail. They did call my mom, they left the same message; which is a violation of the Fair Debt Reporting Act. They left the same message with my brother and my ohter brother answered; all they asked is where I was. He said I am unsure, I haven't talked in a while...then they hung up.

Basically these guys are using unauthorized tactics to try and collect money people don't owe. I have read several blogs and any number that is 877-630-6400 thru 6498 is pretty much associated with this so called Asset Verification Service...what a bunch of clowns!

To the other women on the other blog 877-630-6402, I hope you get your $800 back that they got from your grandma by asking for her credit card, that is just wrong.

Simple advice...don't answer the phone, don't call them back!

Left Message on 19 March 2014

got almost exact same call as darth vader, but they didn't give me their name.  said they were from asset verification services.

don't answer unknown calls and don't return them either.  this is either a shady debt collection agency or a scam.  most likely the latter.

asked me to call 877-630-6498

date march 17th, 2014

They called me on January 24th and January 27th with some of the same things.  Left a voice mail that they will be serving me the next day, today is March 6th and nothing yet.  Yes I have debt but fortunately for me most of it is over or close to 6 six years old, which in the state of New Jersey is the limit.  Definitely a scam and I wish they would have left a better detailed message with more information so I could have taken them to court!!

Got call from this place and wanted someone else.  Called me by a name I have not used in over 20 years.  They said this other person needed to sign some papers and to make sure I was there.  They are out of their gourd!  First of all if they have my info I say bring it on.  I don't owe any money and don't know the person they think stays at my house!  They need to get their facts straight before they call someone!  I will let the dogs answer the door and see how long they want to talk then.

They left me a message today using a name also that I have not used in over 20 years and asking for someone that is supposedly staying at my house?  Well if they have my address I say bring it on, they are not getting it from me.  They call with an unknown number and then when you don't answer they leave a message like you are in some hot water.  They can kiss my grits because I know nothing about the other person I am supposed to be associated with.  lol

On January 29th, 2014 I got several calls in a period of 15 minutes from a Private Number on my cell as well as my home number that came up as 000-000-0000.

The called stated his name was "Brandon" calling from Asset Verification Services requesting to confirm my name, address and place of employment ?because he was forward documentation that verifies my name and social security number in regard to pending ?litigation matter".  Be advised that we request that you sign and respond to this required demand notice per "federal law" referencing a possible appearance date. This is to be sent to an independent service but before I scheduled these documents to be forwarded out which will require you presents and signature, I am providing you with a courtesy call to inform you that that processes will take place within the next 24 to 48 hours.  To request a retraction notice or if I have any questions at all, I can contact the filing party directly at 877-630-6423 with a reference number given.  Just to be clear failure to respond failure to contact the filing party will result in a possible default date being scheduled to further determine pursuant to your applicable state and federal laws, you ?officially have been notified?

I called back within 15 minutes, spoke with a guy who says that ?the guy who called me should not have called and left that message but that?s okay ? I?ll help you anyways?. He went on to explain that he doesn't deal with the public very well (umm?ok).....after he grabbed my ?file?, he said that I owe money on a credit card  that I closed 4 years ago and as I recall, it was a ?zero? balance when I closed it. He asked if I got a letter saying if it was closed and that I didn?t owe any money on it..I told him no, I didn?t and further explained to him that I don?t owe any money on that card nor it is it on credit report and that I have not gotten anything in writing from the original creditor or another collections agency.  The guy explained to me that I am required to get something in writing showing that it was a closed account with a zero balance and said that I indeed to owe money and that we could settle the debt today for $350 and call it a day and it would stop any legal proceedings. He also said that he doesn?t get a bonus check for collecting this debt. When I asked him for something in writing about this debt, a few red flags went up?.He said it was too late since the process to serve me was already in motion and that he could email it to me. When I told him no and how do I know you are not a scammer, you could just create a fake email saying I owe this and further more that the email was not acceptable and not legal.  He told me ?Well what?s from stopping me from creating a fake letter head to send to you? ??once he said that, I told him that sending me an email was not legal, written notice is thru the postal service, he stated that I am not covered under the FCRA and the SOL in my state and nothing can save me but paying the  $350. I told him that I would get a lawyer and fight this and he got a little defensive stating ?your getting a lawyer for $350!???I told him that I would because I don?t owe the money..I refused his ultimatums and told him I want written proof via US Mail??He refused to do so and told me that he was doing me a favor by letting me pay $350 and sending me the email then he hung up.....I saw many red flags in the conversation.

I called back later, spoke with the same guy trying to get information about the company and he said without a file number, he can?t help me since it is a company with many business.  I asked for the company  name and he reluctantly said ?We are MNS (or M&S)? to which I hung up. About 2-3 minutes later, he called me back and left a message on my home phone calling himself Mr. Gardino said that I do have business in their office and that the paperwork has been process and will be served tomorrow. If I have any questions, call 877-630-6421 ext 106?.

Also earlier that day, they called my parents house looking for me?.luckily my dad told him that he never heard of me since I haven?t lived at home for 13 years.

I have filed a complaint with the FTC and my states AG offices.

threatening to put in jail !!!!

My wife has received a phone call from the same number (877-630-6421 & 877-630-6495) on Monday Jan, 27 2014. One from a Joshua Elliot stating his location as NY and one from Courtney in which we could barely understand from the muffled voice mail. Both leaving threatening voice mails. Both people of which disclosed her maiden name, We have been married for 6 months now, leaving the last 4 digits of her SSN, and a debt that is over 7 years old from GE Money Bank. She purchased a TV when she worked at HHGregg almost 8 years ago. This is NOT on her credit report anywhere. And we have herd zero about this till now. She arranged payments with Josh before I had a chance to figure out what had happened. She was scared to death with the threats of being served and turned in to the Federal Government if she did not comply with a payment of $500 dollars for the next 4 months over the phone. After I called them, (Jan, 29 2014) I had to ask what company they worked for. He said MNS or M&S and associates. Their number comes up restricted. Only number we had was the number he left on the voice message. I told him that we can not afford a $500 payment in which he said my wife voluntarily made arrangements for. I stated that with the message he left on her phone I'm sure she did. He then proceeded to tell me that we shouldn't buy things we cannot afford and how I have buyers remorse. Also saying he has a guy paying $2000 dollars a month on a debt he owes. After we exchanged some (not so nice) words, I told him I will see what we can do about paying the lump some of $1500. He said they have to know by tomorrow (Jan,30 2014) or they will have to proceed with legal terms and we will have to appear in court for the full amount of $3000. I told my wife to call and cancel her card so they couldn't take a payment of $100 that they demanded on Friday (Jan 31 2014). They called today leaving her a message exactly as fallows. "This is Josh, (stating her full maiden name) I need to hear from you if you were able to pay the $1500 lump some today. If not then we will have to go ahead with our $100 dollar arrangement and we will be proceeding with court hearings"

I have called the AGO and there are no red flags with this number as of yet. They said it raises a few red flags for sure but no complaints so far. This seems a little sketchy to me. They also called her brother, but described him as her "legal guardian and they have lived together for 15 years" Something is off or so I think. And when I have put both phone numbers into Google, I'm seeing the same comments with "threatening and rude". But can NOT find a company with this number matching the company name they have given me. This describes our experience 100%. Any help is greatly appreciated.

The company name is M N S & Associates 3960 Harlem Rd. Ste 14 Buffalo, NY 14221. Company owned by Michael Shaw, Allen Michaels & Assoc. 866 440-1815.
Their BBB report identical cases of Harassment with same tactics, it appears that people have paid them money but never got a release or even remitted the money to the original creditor.

If you receive a call from them don't waste your time trying to work with them, best to file a complaint with the Feds. May help to send them a Certified Cease Communications letter. Good luck

Received the same call/voicemail as others on here. They also called my elderly mother. I filed an FTC complaint and kept a copy of the voicemail. If they call back I'll inform them of the complaint and see if it stops them.

Received a voice mail on my wife's cell phone, very threatening call, left personal information on voicemail.  In violation of federal law.  Illegal company using illegal methods for skip trace.  Will not identify self. Looking for Michael Yeats that passed away in 2007.  Total scam to get payment information to steal your money.  Reported to state attorney General  

Got a call from unknown...left a voicemail that I could barely hear/understand. I called the # left on the voicemail, they are looking for someone with the same last name. When I said I did not have the  # or address for who they were looking for the rude guy accused me of lying and said that seemed "very unlikely" before reading other cell phone #s to me. I told him to shove it and take my number off and if they call again I would be getting a lawyer involved.

I would like to know as well - they left me a very long message.. almost sounded threatening.. I don't have time to deal with this junk at work....

same threatening messages

THIS IS FORM THAT BLOG THAT LAST PERSON LISTED-really good scammer info!!!!!



Managing Debt
Beware of Fake Payday Loan Debt Collection Scam
September 8, 2010 by Gerri Detweiler Comments 375 Comments

For a while now, we?ve been getting complaints  from Credit.com readers about fake payday loan debt collectors. So I wasn?t surprised when I read the announcement this week by Illinois Attorney General Lisa Madigan warning Illinois residents to ?be on the alert for scam artists posing as collectors of payday loan debt. The scammers call consumers and threaten them with legal action unless the victims authorize payments from their bank accounts.? Her office has received numerous complaints.

These are not your normal debt collection calls. In many cases, these collectors are very aggressive. Here are some of the threats reported on our forums:

??we would have to appear in court at 11:00am tomorrow morning, we would be charged with internet fraud, would be put in jail, could be sentenced to 4 months in prison, etc.?

??said that if I didn?t pay $1,095.87, the police was going to come to my house and arrest me and take me to jail.?

??wont give me company name and he tried to cuss me out??

[Free Resource: Check your credit score and report card for free with Credit.com]

Just to be clear, these are not collectors trying to collect legitimate debts. Most of the complaints on our forums, and to the IL AG involve consumers who either never took out a payday loan, or who may have initiated one but never actually secured the loan. In some cases, the ?collector? has detailed information about the victim ? such as name, address and Social Security number ? which makes the debt appear to be real.

Here?s what to do if you get a call like this:

   Ask the collector for  the name and address of the collection agency for which he or she works. Then ask him to send you written information about the debt.  Any legitimate debt collection agency will do this because it?s required under the federal Fair Debt Collection Practices Act.
   If the caller won?t give you this information, hang up. If a phone number is available through caller ID, report the call on our forums and to your state attorney general and the FTC.
   Don?t let one of these companies scare you into making payments if you?re not sure you owe the debt. In most cases, collectors must first take you to court and get a judgment before they can go after your wages or property. (If you live in Minnesota, though, read this warning.)

By the way, you can?t be arrested simply because you can?t afford to pay a debt. (Warning, though, there are cases where consumers are jailed in connection with debts because they failed to appear in court after a summons was issued.)

Rec'd a call at my cell 2x yesterday from this service.Scared me to death. Called from a New York Area Code. My caller ID on my cell just said "585". Obviously they were playing the block their number game.  That is nuts. Unprofessional. Then they left a message on my cell. Then thy called my work. Mr. Richards is what it said on my work phone voicemail. Mr. Anderson the SAME GUY said his name was on my cell. Stated I have been officially notified of a matter...didn't use proper terminology form what I have read in other posts. Tries to scare you to call and pay a pay day loan debt.

They loosely use terms that lead you to believe you are going to be served. They never say on your VM your address. From what I read real Servers giving you real legal papers do not call to tell you they are coming. They want you to be wherever you are so they would not give you a heads up to warm you. They want you to call the other numbers that probably have been calling you to arrange for payment of a debt owed or previously owed that they bought the info from the debtor.
He said today that is the last time I would be notified. I have read places stating this is all to scare you.Here is a blog I researched this scam on last night. It tells you never give these people your name, soc security #, or ANY PAYMENT INFO IF YOU CALL BACK! ALWAYS CALL THE PLACE YOU OWN DIRECT if you want to make payment arrangements. Never give information without rec'ving in writing in the mail (legally they have to give you this) something stating who they are and what they want form you. If you arrange to make payments to someone who give no name and WILL NOT EVEN STATE WHO THE DEBT THEY BOUGHT IS FROM, you are scammer. They can get your last 4 of your SS# anywhere. They can get your work phone # form a lot of places too. Read this blog, it helps. Other people comment too.

http://blog.credit.com/2010/09/beware-of-fake ... ollection-scam/

Hi
I received a call like this today and yesterday. I agree it seems like a scam loan collector or debt collected. Did they end up showing up to you at your house or work. I cant lie that this does freak me out a bit as I dont want anyone showing up to my work. Please reply back.Guy says his name is Mr. Anderson but if not professional at all and blocks his number on my cell. Called my work and all that came up is 585 but nothing else other then that.
thanks

I received a call today from UNKNOWN. They left me a voice mail indicating the call was from Legal Courier services and they would be out tomorrow to serve me with papers. This is such a scam. I know that when they block their number there is something fishy about them. The person that left the message sounded very unprofessional as if reading a script. Bunch of loosers!

I received a call that came up as "blocked" on my cell and I answered just to see what someone was selling. they were looking for someone with the same last name I told the rather rude dude that they had the wrong number and hung up. He proceeded to call back and leave a message for the person that they will be served 'papers of legal intent" tomorrow and that they have been 'legally informed'.. Not sure how they can claim that speaking to a answering machine of a "WRONG NUMBER' .

Too many scams out there, this is obviously a doosey!!

This is extremely sad.  The caller does not even know the correct legal terminology as he is giving you a courtesy call before he serves you.  He is not with a legal courier service.  Attorneys laugh at this as no one calls you to alert you that you are being served.  This is a scam so please do not give them any information.  Make them provide you with proof that you owe money.  All legitimate agencies will provide this information without question.  It is the law.  If they continue to harass you, please consult an attorney.  They are violating the law if they call family and friends and divulge your personal information.  They are also violating the law if they leave personal information on your voice mail without prefacing it with "if this is not <insert name> please hang up".  You can file a claim against them.  A real one.  Any attorney will be able to subpoena Eclaim's phone records to prove they are harassing you.  Save the voice mails as well.

I also got a phone call from these leaches. They told me I have a letter of intent they willserve tomorrow. They had my name as a name I haven't used in 17 years. I don't owe any money anywhere and definitely not in the last 17 years. My next door neighbor also got a call for herself. She called and they told her she owes money. She doesn't but they told her they weren't authorized to send any paperwork.

** also when i called them back they didnt even confirm that they had the correct respondent on the phone , never confirmed anything and fully disclosed to me what the bature of the situation was , that is a big no no!!! i know that thay have an old debt of mine but that is what underground collections agencies do , they can tell you judgement and court and serve papers all day , it wont happen tho !!! they didnt even follow fdcpa rules and i was never mini marandaized !!!!

recieved a call today from these ppl stateing that they wanted to serve me paper work for something , when i called the kid answered and just said "hello" . .. never said the name of the place or the bussiness at all . not very professional. this is an underground collection agency that uses scare tactics to call you your friends and any associates  like family  to scare you . they probably use lexus nexis and other search engines to skip trace you and "try" to scare you . yes i have a debt out there that needs to be paid , but if i had the money i would have already taken care of it . i dont adhere to scare tactics because i know that this is just a s*** show collection agency and told them to keep it moving !!!!!

I read your message we got the same thing, what results did you get

does anybody know who this company is called looking for someone who shares the same last name. the message they left was that they would be by with legal papers for me to sign. called twice yesterday.

I WOULD LIKE TO KNOW IF THIS IS A SHAM OPERATION AND IF SO WHAT
IS THEIR ADDRESS AND PHONE NUMBER AND NOT THE TOLL FREE ONE
ALSO WHAT IS THEIR COMPANY CONTRACT NUMBER WITH THE STATE OF NEVADA SINCE THEY DEAL IN LEGAL MATERS .