This number seems to come from a company calling itself "S and W Specialty". They like to make claims that you've commited fraud to get you to pay outstanding debt.

unknown number calling

I have been harrassed by s&w over a 3-4 yr old payday loan, and they want my debit card info to make monthly payments on a debt.
After reading all of this, I realized I have NEVER received anything in the mail from them. I worked for HSBC Bank for 4 yrs, and whenever someone was in collections they received it in writing as well. When someone asks for a payment arrangement IN WRITING it cannot be a personally drafted email. This companies email address is swspecialtygroup@earthlink.net which mean they dont even have company email.
I called the county I live in yesterday and there are no pending judgements against me, the one pending judgement I did have was paid and was from a legitimate local collection agency in my area, who has verifiable info and a website, and a directory listing. This company violates almost all FDCPA rules as my cousin answered the phone one day and they told him all about my account, and they said its ok because they're calling from an attornies office. I am calling the attorney generals office today!

I would have to agree with you 100% Tell All & LMAO grow the hell up!!

you obviously don't know ANY attorneys! LMAO!!!!!

LMAO... really? attorneys wouldnt hire rude people to work for them???  puhhhlease LMAO!!!!!

You can verify that this is a Legit Company on Sunbiz.org. Just type in their name and it will show that they are.

I HAVE WORKED FOR MANY COLLECTION AGENCY'S BEFORE. THE REPRESENTIVES USE FAKE NAMES FOR THEIR PROTECTION. YOU DEBTORS GET SOOOO UPSET BECAUSE YOU OWE A DEBT AND ARE EMBARRESED AND DONT WANT TO PAY, SO YOU GET MAD AT THE COLLECTORS AND FIND THEM AND SHOOT UP THE OFFICE OR THAT COLLECTOR. STOP BLAMING THINGS ON DEBT COLLECTORS. IT IS YOUR FAULT YOU BORROWED SOMETHING FROM SOME COMPANY AND REFUSE TO PAY FOR WHAT THEY GAVE YOU.. THAT IS WHY YOU ARE A DEBTOR. GROW UP AND TAKE RESPONSIBLITY FOR YOU ACTIONS LIKE A DESCENT HUMAN BEING AND NOT THE DEADBEAT DEBTORS THAT YOU ARE.

THOUGHT YOU MIGHT LIKE TO SEE WHAT MY RESPONSE WAS...............That is just sad....because I too know you ppl are fakes....There is not way any attorneys would hire such rude people to work for them.........as for sending someone's information out to the "cyber world" would not hurt then as much as it would hurt your company.......you said it your self just as "Tell All" did you all use fake names for some stupid reason and that just goes to show how FAKE your are....THIS COMPANY IS NOT LEGIT.....DEAL WITH IT.... :-)

That is just sad....because I too know you ppl are fakes....There is not way any attorneys would hire such rude people to work for them.........as for sending someone's information out to the "cyber world" would not hurt then as much as it would hurt your company.......you said it your self just as "Tell All" did you all use fake names for some stupid reason and that just goes to show how FAKE your are....THIS COMPANY IS NOT LEGIT.....DEAL WITH IT.... :-)

Dear Tell All,

I have worked with you and know who you are and I would hate for your personal information such as phone number and address along with the name you used while working at our office location to get out. I mean I can only imagine what the people would do to you for lying and trying to cheat people out of money. When we are actually representing attorneys in the difference counties to get the individual companies that have been defrauded from check defrauders. You were let go because you were busted for lying and using company materials for personal gain. I can only imagine how you act when not in the office. I would hate for your home and personal information to be sent out to the cyber world.

Thanks Terri

If they are still calling you read my post titled "Tell All"

If they are still calling read my post it is titled "Tell All"

This company is not really calling for a network of attorneys! They are Based here in Jacksonville FL off of University Blvd W they are in the 3 story building right across the street from Mcdonalds in suite 307A...in the parking lot to the left of Family Dollar! If someone wants the exact physical address of this company please let me know. I worked for this company for about 3 weeks before I finally realized what they were trying to do! The owners started this company about a year ago. What they do is go to different payday loan companies across the US and buy their unpaid bad debt...then turn around add $200 to the actual ALREADY charged off debt and try to paint some big horrible picture of what is going to happen if you do not pay! There is NOTHING this company can do to you if you do not pay....but I must advise you they will NOT stop calling! When I say they will continue to call they will call neighbors, family, in-laws, children, parents....ANYONE and EVERYONE that comes up under your name on the database called Accurint.com  Every employee there does have an alias or 2 or maybe even 3! If you do choose to go in face to face the office is not under 24/7 lock and key there is an owner normally from 10am until 9ish PM. They will be sitting facing the door in the center 2 desks...unless that has changed!

I too have received a call from this company phone #8778966079 ext. 302 (Ms. Cramer) saying that fraud charges will be filed against me in tthe District of Columbia county and wanted to hear my side of the story. If she doesn't here from me she will precede with action.  I told her to go right ahead.  I contacted the D.C. District Attorney's office and explained the situation.  Was told to have a letter sent to the company if I have an address.  Well you can't find one.  So I will kee on trying.

S&W Specialty is a bogus company that consists of loan sharks who are disguising themselves as legitimate attorneys. THEY ARE NOT LEGITIMATE..Ms. Gabe is a huge offender and will harrass people until she is caught and dealt with to the fullest extent of the law. If you receive a call from, 904-245-1316, block it as well. Report the information to your State General Attorney and send a Cease & Desist letter, certified to their address if they give out the information. They usually do not and probably don't even have a physical address. This outfit are low lifes that prey on victims of the payday loan industry. They can't hold you accountable for any money borrowed, nor can they seek legal measures. The harrassment will stop when they are apprehended and fined for fraud, mail fraud, impersonation of a government official, and money laundering. If more people speak up and take legal action the sooner they will be dealt with and justice will prevail.

I live in Texas and have received several calls from this company in the past 4 days from a Miss Kinney stating that they are working with my local county attorney's office and will be filing a guilty plea on my behalf. They continue to ask for the last 4 of my social which I refuse to give them, stating they cannot give me any information on my "case number" unless I provide it. I told her if this is a legitimate call, they can give me info with my name only or mail me something...she then stated she will email me as she has my email address but I have not received anything yet. I called my county attorney (I live in a small town) who stated I have no pending charges with their offices or any of the four jp's in our county. She recommended that I file a complaint with the attorney generals office. Other phone numbers they have called from include 904-737-1284 and 877-832-8188. I searched for both and they are unlisted.

Hey Daniel

I had received several calls and I never returned them, but now they have contacted my parents home and yesterday my neighbor brought over a message that they had left at her house, I dont even know my neighbors last name so I do not have a clue as to how they are getting all of this information but I have never received any mail stating that I owe any company money so I am assuming that this is all a bunch of scam artists.  I go to a website Budhibbs.com and they can give you information as to what companies are really trying to scam you.  I have written them today and am waiting on a return answer.  When I get a answer I will let you know but until then I am not calling these people, I have a bad feeling about them.

you should call them back!

i  got a message at my brothers ex girlfreinds fathers house that was really weird from S&W Specialty group about  some b***s*** check something they left name and # what should i do who are these people

Now he's doing this to Texas residents. I got the same call from a guy named John, and he's very professional and knowledgeable in executing this scam. Good thing I researched this up, avoid the number 1-904-737-1250.

HIs name was John and he was calling from S&W Specialities concerning my SS number. He told me that Justine Woods had used my SS number on 8/18/08 and that she was in a prison in Texas.  He sounded so convincing and afterwards my gut was saying this is not right something is wrong here. Why would he be calling me two years later about this.  I purchased life locke that night after he called and will be contacting SS as well. Can't believe anyone and don't ever give out your number to anyone ever.  HE told me that Justine was not a sophisticated person and that she just changed her SS off by one number and that she will be using it again. He even gave me a case number. I decided to google this number today as this has been bothering me since the phone call. Glad I did but sad to find out it is a scam too.

NEVER IGNORE A DEBT COLLECTION ATTEMPT - EVEN ONE YOU KNOW TO BE BOGUS

Does not mean you owe the debt - BUT YOU HAVE TO USE THE LAW TO PROTECT YOURSELF AGAINST THESE ILLEGAL DEBT COLLECTORS

DEMAND DEBT VALIDATION - they will most likely ignore it and not respond.  But you NEED THE PROOF that you requested it if they do file a lawsuit.

read dealing with debt collectors, recording calls and statute of limitations

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

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!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

CHECK OUT THE FLORIDA SECRETARY OF STATE WEBSITE - THAT IS WHERE YOU FIND OUT IF THEY ARE LICENSED OR NOT

you can also their actual physical address..  

You can find info on the Florida Secretary of State website

http://www.sunbiz.org/scripts/cordet.exe?acti ... mes_filing_type=

You can find info on the Florida Secretary of State website

http://www.sunbiz.org/scripts/cordet.exe?acti ... mes_filing_type=

That address is for a SHOPPING MALL!  

The only store in that MALL that would be the likely location is the UPS store.   Which means its a PO BOX drop point only

Highly doubtfull its a legitimate business if they DO NOT GIVE THEIR TRUE ADDRESS

I found this on the State of Florda website

Principal Address
2870 UNIVERSITY BLVD W
204
JACKSONVILLE FL 32217  
Changed 02/17/2010

Recently changed address in the State of Florida Business listings.

THE BBB IS WORTHLESS - THEY HAVE NO AUTHORITY TO DO ANYTHING.  If the business is a dues paying member - they will side with the member over the ripped off customer.   They do not post ALL Complaints against dues paying members because they will not risk losing those FEES.
It all comes down to the ALMIGHTY DOLLAR.


YOU FILE COMPLAINTS WITH THE FTC AND STATE ATTORNEY GENERALS (YOUR STATE AND THEIRS)

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

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!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

They were doing this to a lot of people. I ignored them and they've done nothing. They're empty threats. I reported them to the Better Business Bureau and they ignored their letter for a response. They won't sue you. If they even bothered to take you to court you'd be able to get them for collection law violations.

I also refuse to pay people who can't prove who they are. Collectors who I've dealt with that send letters like they're supposed to get my money...not clowns who pick up their mail from a UPS store P.O. Box.

When I do an internet search on these people, they don't even come up. They call and threaten to enter a guilty plea on my behalf through my local courts system if I don't call them back. IF thee people were truly legit, they would be searchable. Don't agree to pay anyone unless you know who they are.