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.

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). They are actually out of the Charlotte North Carolina area. The scammers are using the following business names

Reynolds, Hill, and Associates
Berkley and Associates
Kaufmann and Associates
Sanderson Blaine & Associates
McKenzie Reid Associates
Kennedy, Kline, & Associates
Nationwide Asset and Recovery
Piedmont Investigations and Procurement
Raffino, Garrison, & McCoy
McCoy Law Group

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

IThese people contacted my cousin .. I dont no how they got her number.. Smh..so i called them back ..saying I owe a payday loan company from 2011.. Had all my information..they wanted me to pay $1500.. Told them I don't have, she told me they put in jail until I go to court.. I told her I've never had payday loan and never received any paper.. Why haven't received anything.. She got frustrated and hung up.. I called back, I asked who they were.. The guy said Garrison, raffino, and McCoy law firm.. I asked where they were located.. He said, mamm I can't give u that information for your safety and mines..

They Like to use the name Smith i.e.
Mr Smith Mike Smith Ms smith Mark Smith all bogus names

Total scam!

See:  https://www.consumer.ftc.gov/articles/0149-debt-collection

Nobody is going to arrest anyone for civil debt.   Sure sign of a bogus collection agency is threatening criminal prosecution for a civil debt.

Don't offer anyone any information or money.  Demand a written statement of the debt and have it delivered by US Mail.  Otherwise tell 'em to go to hell if they call again.

I have never taken a loan out with these people.  They are threatening me with warrants for check fraud.

She called my mother in law yesterday said the sane thing but wanted 500 bucks told her I didn't have it wanted them to send me papers but sue said they had already. Offered 25 she said no had to be 500 of they were going to arrest me.

Called them first because they called my son in law where they got his number from I would like to know.  They threatened to have a warrant put out for my arrest and said I would be put in jail if I didn't pay $800.  I did not pay them anything.  I figured they were not a legitimate company.  Scam! written all over it!

Yep they did the same thing to me. Said there was 2 pending charges against me for check fraud and a warrant out for my arrest for some loan I didn't even have. Yeah people don't fall for it. It's a scam. The ladies name was Kate O'Neal she called me private and said she was with the criminal divisions and she was an investigator. She had a very heavy country accent and told me they were going to come to my home or place of employment. None of the stuff she said made any sense. She said I needed to call her back within 30 minutes or else they were going to have me arrested. Crazy people.

this company states they are investigators for the afftorneys raffino garrison and mccoy, they are trying to collect from payday loans and threaten to take you to court. however they will not mail any info regarding the debt which is illegal, they have to mail you the information regarding the debt. they are agrressive and rude.  number is 877-719-5041

SCAMMERS!  Do not even let these scammers ruin your day; they're a joke! Honestly, I kept calling them back just to f*** with them. They will not give you an address, they'll tell you where they're calling from, but can't give you an address. Also FYI: no government agency will EVER call or e-mail you, if someone does and says they work for "Raffino, Garrison & McCoy" which, might I add, are lawyers on the show Law & Order (lol), simply hang up on them. Or, do what I did, and f*** with them. They call themselves "investigators", but they're just losers with illegitimate "jobs". Fakes. Report them and their website to the FTC:

Their fake website:
http://raffinogarrisonmccoy.com

Report them here:
www.ftc.gov

I just filed a complaint with the federal trade commission...they claimed that they were going to take out a warrant for check fraud...I have asked for validation of this debt and they refused...I don't know anything about a loan and have never been served with any legal paperwork, but she did say something about a statue of limitations..I would suggest that you do the same

they say they are a lawfirm about fraud -paydayloans?  RAffino Garrison and mccoy lawyers?  not sure i have never borrowed a payday loan ever