Rec'd a call from Tootsie Williams stating I owe 722.20 from a payday loan co. I told her to send me a certified letter and I will pay. I've never rec'd a letter and they keep calling me and calling my parents and harrasing them. This has been going on for 5 months. I don't have the money to hire an attorney for harrasment but these people need to be stopped. Show me proof I owe a debt and I will gladly pay it.

threaten to get me lock up at work saying I owe 763 for a 150 payback loan. gave me to the end of the business to take care of matter

I recently defaulted on a personal loan secured by household goods. Since my wife lost her job we have really struggled and cannot pay all our bills. Here's the kicker, some of the collateral that I used to secured the loan I no longer have. i had 5 days to setup a court date but did not because I'm guilty of the debt but just can't pay it. I have never been in trouble like this before. I have been told by several law officials that that company can have me thrown in jail. It does not seem ethical but that's a whole nother subject. Does anyone know legally a way to keep from going to jail for this in s.c?

I  WANT TO GET THE PHONE NO OF DU SO THAT I MAY INVESTIGATION ABOUT DU  SO PLESE PROVIDE ME PHONE NO . IT WILL BE VERY KIND OF YOU. MY CON. NO. IS .9212818573

I WANT TO GET THE SO THAT I MAY INVESTIGATION ABOUT DU  SO PLESE PROVIDE ME PHONE NO . IT WILL BE VERY KIND OF YOU. MY CON. NO. IS .9212818573

the number is a different one now.  So how can we all get our money back from them.  I just had the call and paid but think I will cancel the transaction.
IF you have any sugesstions please let me know.

called received from Arlene Conrad 803-692-6265 at 11:00am on my cell phone 2/2/09. She informed me that their was an order for my arrest for pdl taken in 05. I paid $200.00 toward the 300.00 debt, which back in 05 this was a settlement offer. She informed me that I had 2 hrs or they would come and pick me up and I would have to pay attorney fees (410.00 including draft fee, int rate, nsf , default and court fees ) but she could not forward me a itemized statement to reflect this amount. she advised that I could do an OCR affidavit to settle this once and for all. (Out of court Restoration) i/a/o $510.00. She provided my with their banking info** @ BOA**. She was nice. but the threat was scary. i hv never been in trouble before.

Got a call from Alexa Callaway 1/16/09, not a lot of detail.  She said she needed to talk to me about an investigation and she would contact me former employer and talk with their attorney.  The number she left was 877-639-5729 department 4015.

can we get some sort of class action lawsuit- I was called by Janer Roman- I actually paid back part of what I owed- I have lupus and have been very ill- so I haven't been able to pay back anymore- and she is calling me under different names and different numbers- so what can we all do   How can we find the real name of this organization - I think they are in South Carolina-

THEY CALLED AND SAID THEY WOULD  PUT ME IN JAIL IF THIS LOAN WAS NOT PAID WITHING 24 HRS, I PAID THEM 100.00 BEFOR DOING RESEARCH NOW THEY KEEP HANGING UP ON ME. HOW DO I GET MY MONEY BACK SO I CAN PAY OFF MY REAL LOAN?

phone # 1 877 627 0413 Jill Spellman (office of) says I have a pay day loan from the Apollo group? never heard of them she can'e give me any info or proof of what account the money went into just that I owe it and they will come and get me from where ever I am ay  those were her exact words.

i got the same call and i paid the first part of the bill, but when i tried contacting the numbers they gave me to call for the final payment, i can not get thru to none of them, they called a gave me a number 800-771-3856 which was telling me i can not be connected from my area. what is this and how do i complaint to someone and file a law suit against them

law student79..ignore that idoit if you ignore an idiot they will go away,him a law student that was funny.
this is for the people who received debts way over of what they owed.
first place if the sol has passed you dont have to pay.
i beleive i read this on privacy rights .org.it says that coleectors can not charge more then the orinal debt that is owed im most states,so if the debt was 200.00 the most they could charge is 200.00 other states dont have that law.maybe i read it wqrong but i beleive i read it on privacyrights.org and the more you know about the law and if they know you know the law they wont call you anymore.
a friend of mine was threatinmg with arrest and he knows he cant be arrested so he laugh on the phone at them and they got so mad and hung up so get to them before they try to get to you

I received a call from the law office of Beatrice Baltimore(877-836-0073) saying that I took out a payday loan and it was never paid it didn't sound familiar so I asked her how I would go abt paying it anyway and she never gave me a direct answer.  She told me to go to BOA and she would give me bank acct # to deposit the money that was owed but she couldn't give it to me now b/c I didn't have the money now.  She kept saying if I wasn't ready to resolve the issue it would be dispursted as a worthless check.  she later called back saying that she can no longer hold on to the acct and the offices of Alexa Callaway(1-877-627-0413 ext 4015) now has my info.  I didn't think it sound right and now that I seen this online I know its not right!  If I owe something why would I have to go to a bank and deposit the money into an acct which she said was a corporate acct.. instead of just paying over the phone or something! SCAM written all over it!

WOW LAWSTUDENT79 YOU ARE A BRIGHT ONE! I HAVE A FEELING YOU WILL BE REPEATING YOUR FIRST YEAR OF LAW SCHOOL IF YOU ACTUALLY MADE IT TO LAW SCHOOL! LOOKS LIKE YOU NEED TO BE REPEATING HIGH SCHOOL TO ME! AND YES IF THE DEBT IS OWED THEN PAY IT! HOWEVER THESE PEOPLE ARE A SCAM............DO YOU KNOW WHAT THAT IS HONEY?? ANYWAY THEY ARE PATHETIC PEOPLE WHO WERE KNEW MY HUSBAND WAS IN IRAQ AND KNEW I DIDN'T HAVE THE MONEY AND YET WANTED TO THREATEN ME AND READ ME MY RIGHTS. IF I OWED THE MONEY I WOULD PAY IT NO PROBLEM HOWEVER I NEVER FILLED OUT ANY ONLINE PAY DAY LOAN APP EVER IN MY LIFE. I HAVE NEVER NEEDED ONE BECAUSE I COME FROM A FAMILY OF MONEY! BUT PATHETIC PEOPLE LIKE THEM WANT TO TAKE THE MONEY THAT MY HUSBAND IS FIGHTING A WAR TO MAKE! I ALSO MENTIONED TO THEM THAT I HAD A 1 YEAR OLD DAUGHTER AND THEY WANT TO TAKE THE FOOD RIGHT OUT OF HER MOUTH! THESE PEOPLE ARE PATHETIC LOSERS THEY NEED TO GET OFF THEIR A** AND GET A REAL JOB THEN MAYBE THEY WOULDN'T HAVE TO STEAL OTHER PEOPLES MONEY! ANY BY THE WAY FOR PEOPLE WHO HAVE GIVEN THEM ANY INFO OR MONEY GO TO YOUR BANK AND FILE A DISPUTE AND GET YOUR MONEY BACK! THESE PEOPLE ARE MEAN AND THREATENING BUT THEY CAN'T GET ANYONE ARRESTED! THEY ALSO CAN'T READ ANYONE THEIR RIGHTS OVER THE PHONE THAT IS JUST STUPID I HAVE A BACHELORS DEGREE IN POLITICAL SCIENCE/CRIMINAL JUSTICE AND I KNOW MY RIGHTS!!!

I was scanning the web today after receiving a call from a (suppose to be State of florida /4015 Investigation from 1-877-627-0413 ext. 4027 spoke to Alex Calloway indicating that she had received information from an online cash advance with EME marketing back in 08/14/2006 and because the cash advance was enter from my job the State of Florida was going to come and take this equipment, and dismiss me from my job, and prosecute me.  Was told to go to Bank of America enter out of state money into Spellman & Roman account223004167438 before 1PM before she went to the court to file the motion to pick me up.  I am glad I find this site to see that this really wasn't from the State Attorney's Office. Thanks for this WEB

Hey LawStudent79-

You can't punctuate, capitalize or even spell?  And you are a law student???  I'm not sure that you are a shining star for the legal profession...LOL

Lawstudent79-
My situation was NOT supposedly over a payday loan...they got all my private info from the payday loan place (which was paid in full back in 2005), and then called me trying to tell me a medical bill from 2007 hadn't been paid by my insurance, and that I was now responsible for the balance.  When I asked for documentation, they refused and when I said I needed time to contact the insurance company to find out what happened, they started threatening me.  We had some issues with the insurance company in the past not paying bills, so I thought it could be possible...so like a fool I went ahead and paid $1000 to them and THEN contacted the original hospital.  Only then did I find out that the hospital had indeed been paid by the insurance, they had never sent anything to collections and I was out $1000 bucks!  To make matters worse, they (Spellman & Roman) tried calling and demanding even more money AFTER they got the $1000 fraudulently!  (I guess they figured if they had gotten it out of me once, they could do it again.)

I agree that if you took out a loan of any kind, you are responsible to pay it.  I paid for mine, interest and all.  The issue now is that some of these loan places are selling people's private information to unscrupulous entities.  If anyone on here has an outstanding payday loan, as a responsible adult you should pay your debt...but you may want to ask for the original creditor's contact information to pay them directly instead of dealing with someone who thinks they can operate outside of the law.

Bottom line...if you owe it-find a way to pay it...but if you truthfully don't think you owe it-do your homework!

i cant belive that people would take the time to fill out these "payday loans" and want to take a buisness down for collecting on a debt, that i havent seen on here that anyone has fessed up to. but want to call the FTC, FBI, BBB, and ETC. about how people are collecting. honestly. why dont people stop being so noisey and put back atleast what you borrowed, stop causing more drama to the attorneys that probaly have something better else to do instead of helping dumb broke people that are in debt!    face the reality! you are trying to find away NOT to spend your hard earn money but take time to sit at the computer and complain! im actually, practicing in law my 1st year and interning  in texas, the law office i work for gets a call about f.d.c.p.a and the attorney said that "why do people put themselves in stupid situations?" and told the man and his daughter that was being threatened to just pay off the debt that she originally borrowed. make this easy for yourself(s) pay what you owe and dont waste other peopls time.


LAW STUDENT 79

Got a call from a women who said she was an attorney and that I had taken out a payday loan, I know that I hadnt done that and that she was laying, but she told me that If I didnt pay her  $611.00 in one hour that she was going to have me picked up and that I would go to jail for 4 months for something that I did not do. She then called my sister job and asked to speck to her boss cause I had called from my sisters place of work. And then she almost got my sister fired from her job.

I was told I would go to jail if I didn't deposit into B of A acct. # 22300416743 that same day. I went to B of A in my city and I accidently wrote the account number wrong on the deposit slip. (God was looking out for me.) I tried to call them back and got a "your call cannot be completed as dialed" recording. (1-877-627-0413 X-4024) I came home that night and got on the internet and found out all this info on this bogus company. Thank God, I didn't make that deposit.

This is an actual cut and paste of the letter I sent them. It does have info in it from some research I have done, and some interesting background on them. Once I sent them this, they suddenly stopped calling, emailing, etc. I have not heard a peep from them since!

Here is the letter (with my personal information X'd out):

To the offices of D.C. Miller, Spellman & Roman, or whichever company name you are using right now:

I received an email from your offices on July 29th, 2008, which stated that I have 30 days to dispute in writing. I am exercising my rights under the FDCPA to request documentation of the original debt, the original creditor, their contact information and any and all fees incurred on the debt since it's incurement.

Legally, under the FDCPA, you were required to send me this documentation within 5 days of our first contact, which was on July 17th. The documentation is to be sent via USPS mail. This is my 18th request for written documentation via mail. I have given you my current address many time, but in case you misplaced it, here it is again: P.O. Box (XXXXX), Reno, NV (XXXXX).

Furthermore, under my rights in the FDCPA, I am notifying you to cease and desist calling my home phone, cell phone, employer and third parties. Legally you may only contact a 3rd party one time to request my contact information, and you may not reveal the purpose for the call or identify yourself as a credit collector to a third party; to date you have contacted 3rd parties regarding this issue a total of 32 times and have disclosed personal information and threats to the 3rd parties each time. This is clearly operating outside of legal parameters.

I have attempted 3 times to send a written dispute to the address you provided on your email, and 3 times I have received the mail back advising me the address is a "vacant" address. Further research into the address shows that it is an unoccupied storage facility. I checked for nearby addresses to see if there was possibly a "typo" in the address on your email, however, the State of South Carolina does not have a legal operating company by the name of Spellman & Roman...not in Moncks Corner or any other part of the state.

Your representatives going by the names of Lewis Steadman, Winston Law and D.C. Miller have continuously called me, harassing me and threatening me. The woman calling herself "D.C. Miller" has even made threats to my employer (saying they will cause a disturbance at my place of employment) and made a threat against my life (saying that she was going home but I would never even make it home). All of the above parties have threatened me multiple times with imprisonment, which is also illegal under the FDCPA.

On multiple calls, your representatives identify the company as the "Law Offices Of...", which is also illegal to falsely represent yourself as a law office when you are in fact not. Given that you are not actually any sort of law office; and given your multiple violations of the FDCPA; I realize now that you may full well not be familiar with or even understand the FDCPA. I would suggest to you that retain some actual legal counsel to assist you with this lack of knowledge.

In researching the debt, I have found that Ashland Funding "sold" the alleged debt to iCollect, who then "sold" it to you. However, no one is able to provide me any documentation that this is a legitimate debt, or original documents. You agents advised me that if I didn't pay the money via cash or a pre-paid Visa card, they would contact Ashland and tell them to collect upon the debt, however, after speaking with Ashland, they informed me that they no longer have anything to do with this matter as it was "sold", and then they advised me not to do business of any kind with your company.

Because your company has illegally extorted $1000 from me through threats of violence & imprisonment utilizing a bank account with Bank Of America, I have gone to Bank of America and notified them of the actions. They have had me fill out statements for their corporate securities division to investigate the fraud and extortion.

I have also begun filing complaints with the FBI, FTC, BBB, State Attorney General for South Carolina and the State Attorney General for Florida (where I traced your company to), Homeland Security Financial Division, and my local law enforcement. I am currently in the process of retaining an attorney to seek a suit against your company for damages, attorney fees and the original extortion amount of $1000, which by the way is a felony.

I have found many, many victims of your extortion and fraud, and we are collectively attempting to put together a class action lawsuit against not only your company, but to seek civil suit against those employees that have threatened physical violence against the victims.

The following two links go directly to sites where hundreds of victims describe the abuse they have received from your company, so you can see these for yourself:

(I pasted the links here)


Please provide me the written documentation of the validity of this debt immediately via United States Postal mail.

I began receiving threatening phone calls from a company calling themselves "Spellman and Roman". They threatened my mother in law, my work, saying they would cause a "disturbance" there and get me fired and then the final straw was the following: A woman by the name of D.C. Miller called and said I had to pay $1486.10 in 20 minutes "or else". I asked what she meant by that and she said "well, let's put it this way...I know I'm going home tonight, but you'll never even make it home". I asked if that was a threat on my life, and her response was "take it however you want". I immediately drove to the police station and filed a complaint statement with them. This woman called again while I was at the police station filling out the forms, so I tried to pass my cell phone to the officer assisting me, and she hung up on him. (He identified himself as an officer and she called him a "liar" and disconnected.)
I researched the FDCPA, and these people have violated 16 articles in it...even if you let them know that you are aware their actions are illegal; they don't care...they just keep harrassing and threatening.
They refuse to provide any documentation, but in one phone call I managed to get them to slip up and give me the original creditor's name which they said was "Ashland Funding". I searched online and found a phone number for them of 1-866-722-2770, and called it. They said they had my name on file, but that they had "sold" my debt to a company called iCollect, and to call them. iCollect's phone number is 1-866-856-1024, and when I called, I am unable to reach any live person; it is just a recorded message saying you should contact the original creditor if it is less than 90 days old, or contact the collection agency that is calling you if it is over 90 days old. No other phone numbers are provided, no address, nothing!
As for the actions of "Spellman & Roman" (which I have researched, and have gone by all of these names: State Predisposition, Jacksonville Law, Offices of Winston Law, Offices of Sydney Roman, Offices of D.C. Miller and Spellman and Roman...all withing the last 6 months, so there's a BIG red flag there!), I have begun filing complaints with anyone and everyone. I filed complaints/statements with my local law enforcement, FBI fraud division, FTC, State Attorney General for both Florida (their original base) and South Carolina (although their address there is fraudulent and comes up as an empty warehouse), homeland security financial division, BBB. They insist that the only way you can pay the debt is to deposit cash into a bank account at Bank of America, so I took that account number with me to B of A and notified them that someone was illegally trying to extort money from me throught their financial institution. The had me fill out statements for the Corporate Securities department.
Anyone wanting to ask more information from me on this, please feel free to contact me at "myessentiajewels@aol.com" as I am happy to help anyone avoid the nightmare I am going through with these people.

if anybody knows what city/state this entity "Spellman and Roman" is in, please email me at cbgarman-skrupa@hotmail.com

anybody know how to get a hold of JD Marketing? thats who my loan was through. I looked them up online but no number is listed. I want to pay it off, but i dont want to pay these guys. i got the same routine. that someone was coming by to arrest me. I asked who they talked to in the Harris county DA's office but i got the response "why does it matter?" i wanted to verify all this. they said it falls under the hot check law since its an electronic check? i read under Texas law, they cannot pursue criminal charges on any payday loan. it was actually another law firm but i was supposed to wire the funds to the Spellman and Roman account at B of A.

jane spellman called me also... told  me i owed a debt  from a payday loan and also from bounced checks from commerce bank...due to that loan... she said  if i didnt want to resolve the matter and pay them now, I had to contact a lawyer because they would file with my state and I would be picked up and thrown in jail... this wasnt the first time they called also....about 2 months ago a man from winston law kept calling about the same thing.... leaving rude messages.. then I also talked to him.. an again he threatened me the same way jane did... please watch out

Got a call today from Ashley Duncan, with Spellman & Roman now they are using the phone number 877-627-0413.  They are "going to call my work and get them involved".  The man she put me on the phone with is going to show me I'm not above the law.  Even though he is because they continue to call me at work even though I have told them numerous times my employer doesn't condone this. They are  bottom feeders, a collection agency that buys old accounts and uses ruthless and unlawful tactics to collect money.

they just called me @ 1200 saying that i had to pay $280 before 1pm or the cops were going to come and arrest me on my job first it was lewis steadman, then i talked to delores miller then they put me on the phone with someone from their financial dept giving me a bank number for bank of america. are the really a legit company am i going to be arrested?

tueday williams called stating that i owe a payday cash loan. she was rude but i did take out loans and then she put on sidney roman and she was real nasty and i would of paid but she states that she was going to have my mother placed and i told that nasty heifer that you can go to hell and do what you have to do. tuesday would of got paid but that b***h sidney can go back to hell where she came from. i did take the loan but they wont get their money with a nasty attitude from sidney roman. sidney just tryin to pull your bluff and if you dont pay she cant have you placed or nowhere else and if she call me again. i will put a harrassment on her a** and the company. spellman and roman is the name of the company and she is the partner of the firm but its a fake and BELIEVE ME YOU WILL NOT GO TO JAIL.

Thank you for your help howze. i have gotten in touch with a lawyer that handles fair credit debit. so she is going to work things out. thx again