I just received the same bs today..

I received a call today, from a lady claiming to be from Chexsystems. She proceeded to tell me that I owe $500 in fees for a credit card I received back 2006. First of all, I have no memory of ever receiving a credit. And second, I cannot get a credit card because my credit is very bad. Lady proceeded to tell me, if I did not pay them minimum amout of $140 by the end of today, then she was going to let her client know that I refused to resolve the matter. Credit card was supposed to have from the bank of Deleware. The lady also told me they will put a freeze on my bank accounts until the matter is resolved.

I was scammed on January 15, 2013.  Some guy called me and said his company was representing the Bank of Delaware for some card I stopped making.  He said I was being taken to court.   Had I received a summons?  No, I had not.  I asked him what company the card was for.  He could not tell me.  Well, I never had any cards with the Bank Of Delaware.  I did not give him any information because I called him a scammer.  I knew that if he could not tell me the company of the card or payday loan company, then, he was lying to me.  The call back number is 888-805-5492.  I hope authorities get these creeps.

Did you ever resolve this account with 'GREG HILL'? I sent him a bunch of money, and now I am worried it was all a scam. :(

I been getting calls from the same company and they are saying I owe them 1000 something dollars and that I will be served at place of employment and garnished 25%. they always call block . is thus real I feel like its fake

yes ive been getting called repeated to my reference for the loan, and at my home, these people told be that they were coming to take me to jail and were told not to cal again, then they called ex husband and they told him they were coming to his house and to arrest me, then now they are still calling my place of employment and told them they were going to to come there arrest me and now again at work in emergency they wanted to talk to me and insisted on talking to me

they called me from a number of   719-547-4829, and claimed it was a back line....they were lying. I spoke to a "karen kelly"

That happend to me last week. The same company was talking about a credit card I owed $359 on from 6 years ago, they are saying they are going to sue me for $3000. Your right they don't know what city your end. What I would like to know is how do these people know the last 4 of my ssn, my address, and the debt that I owed. Thats what made me believe it was real. But I've been trying to call them back because they never sent the comfirmation number to my email address like they said they were going to do and the number they called me from does not work anymore, it just rings and rings. No one answeres it. I will definitly be calling my bank tomorrow and that $100 dollars I gave them will be filed as froud and I will be changing my debit card number tomorrow. I wouldn't give these people anything else until they can give something in writing stating what it is they are doing. I do believe it is a scam!

I got a call from a guy on a restricted number that showed up at my old place of business that attempted to serve me to court, an old coworker gave him my new cell phone number, after telling him I don?t work there anymore and I don?t live at my old home address he had on file he gave me a number to call. I called and spoke with a Gentleman named Greg Hill (of thats his real name), who claimed that I owe them for a debt from US Bank for over $1800 from an account that was open years ago. Greg told me that they were serving me to appear in court and I will be responsible for all court fees, given the fact that I'm about to leave for the Military and if they are awarded a judgment Greg told me I would be in violation of section 15 of the Military Code of Uniform Justice, and would be demoted in rank once in service or not allowed to join at all, and advised me to talk to my recruiter. After Greg "spoke with his Manager" and agreeing to settle at 50% off he told me not to worry about the issue if it is resolved right away, and proceeded to ask for my debit card number, then told me to hold for a moment while he took another call. When he picked back up I told him I need to talk to my Lawyer, and I would call him back, and he agreed to email me my settlement letter.

I called back and asked for his title which he said was an Administrative person, and just send out letters (Sketchy), but in this case would be settling payments. Also he told me the name of firm he works for and I couldn?t find any information online about them (any reputable firm has a website to at least take online payments.) Since I work for a Collections Agency myself I know a thing or two about the legality of Debt Collections, and noted all of the violations that took place. He didn?t inform me that he was attempting to collect a debt, he told me he needed permission from his manager to do the 50% off settlement but his email sent to me stated his title as Manager, if the call was being recorded he didn?t inform me of this and would not be able to use the recording in court, this also was the first I've heard from the Debt Collector and if they respond to me with a validation request with a summons to appear in court. There is precedent which says that a collection agency cannot even file suit against you if they haven't validated the debt within the initial 30 day period. If this happens to you, you may cite the case Spears vs. Brennan.  So my Attorney decided I should dispute the charges and request itemized verification which I sent certified mail. Once received by AM Associates they legally have to provide you with the following:

?    What the money you say I owe is for;
?    Explain and show me how you calculated what you say I owe;
?    Provide me with copies of any papers that show I agreed to pay what you say I owe;
?    Provide a verification or copy of any judgment if applicable;
?    Identify the original creditor;
?    Prove the Statute of Limitations has not expired on this account;
?    Show me that you are licensed to collect debt in the your State; and
?    Provide me with your license numbers and Registered Agent.

As soon as they receive the notice they must notify the credit bureaus that the stated charges are in dispute and if they don?t return all of this information to you within 30 days of receipt they legally have to remove all negative charges from your credit report, and during such time all collection activity must cease and desist. If they don?t sue them!!

Just talk to any debt collections attorney and they will take care of a good letter for you, and take over all communication with the Collections Agency on your behalf, and if they attempt to contact you in any way they can be sued. Like I said I work for a collections agency, we get sued all the time and lose all the time too, most debt collections attorneys work on a contingency basis since they win 97% of the time.

I?m in a battle with these guys right now and I wish all of you the best of luck, and just know this is not a reputable Collections firm fight them at all costs.

These people just called me today and scared the crap outta me.  I had a previous US Bank checking account that overdrew because of their famous reordering of transactions.  Well, they called to "confirm" that someone will be home to accept legal documents.  That should have been my first clue.  I called the contact info and talked to Shawn McComsey and he said that they were going to file a judgement against me unless I paid today.  Well, I'm not stupid and told him that I'd call him back.  After doing research and talking with a few friends involved with collections/legal, they informed that this is a scare tactic and that servers do not call ahead.  Sigh of relief here. Those morons almost had me fooled.

I'm gladded I stumbled on this site.  I have been harrased by AM Associates as well for the past year.  Because they scared my husband a year ago with claims of a judgement (that sounds really scary) he paid them $500.  I was livid because he gave them our debit card number.  They took the $500 and we cancelled the card.  We heard nothing for a year.  Then they started harrasing me (this is NOT my debt ... it is my husbands from YEARS before we even met).  I explained this to the lady adn she said it is now my debt because it is my husbands and what's his is mine.  I'm not sure that is correct.  She told me my credit score was probably ruined becasue of this.  I told her it wasn't on my credit report because I check it monthly.  She seemed very confused by that and told me to wait for it on my report.  Anyway, she talked more about judgments and summons being sent to my job, etc, etc.  I can see how my husband got scared.  I agreed to pay her $1000 to ward her off for a while until we could secure the rest of the money.  But deep down, I always felt it was a scam.  Then they called me again at work today, asked for me and when I answerd the phone, hung up then called back and asked for my boss.  They gave HIM a message to give to me ...to call a number about a complaint filed against me.  Why couldn't they just talk to me?  This is why ... because when I called the number he left, the lady who answered (who was the same lady I already gave money to) told me she no longer had my file because I didn't pay up like I said I was going to and I just had to wait for my papers now.  I told her I hadn't paid because I was having the company investigated to make sure they weren't a scam and she got really mad.  I know my husband owes this debt from years ago and I have fussed at him plenty for that and I wouldn't have a problem paying that debt to THAT company now but I refuse to be scammed any more than we already have.  Another problem ... hubby said the original debt was for less than $1000 and they are claiming we owe over $5000.  We're already out $1500.  I guess I need to just wait and see if we get papers or not.  Does anyone know if this is considered my debt now too even though hubby got this debt before we were married?  We live in Texas if that makes any difference.  I think it's time to call an attorney.

These people are doing the same to me!! Claim I owe money to Wells Fargo.  Which I did a LONG time ago and believe it is now off my credit report.  They told me they were filing for a lien against my car unless I voluntarily paid them.  They also hard inquiried my credit report which I believe knocked it down 4 points.  Can they do this? And if it is illegal, can I pursue defamation of character?

Debtor- Did you read my message. I did not open this account with these people. I don't know who they are. All of my credit cards are in good standing. So I disputed this because I believe it is a scam! Read post and try to process them in your head before you go screaming at me about the country's debt problem. I work overtime every week and have been at the same job now for going on 10 years. I'm not the problem.

FREECREDITREPORT.COM

I was called by these people yesterday.  I recieved a call from a restricted number.  Normally I do not answer these calls, but circumstances being as they are I felt the need.  A young lady told me to call the above number and that I had to call them back within a half an hour.  She REFUSED to tell me what it was about.  She said that she was not legally allowed to tell me.  She gave me the phone number, and extension number and a case number.
I decided to call them out of curiosity.  When I did a young lady told me to give her the last four of my social security number.  I refused to give her any info unless I was told what was going on.  She wanted to "verify that I was the right person."  She read me the last four and they were right.  Then to double check she read me my whole number.  Being naive I told her yes that was me.  She told me that I owed an old debt with a bank account and gave me the amount that I owed.  She didn't realize that I had pulled my credit report 1 week prior.  The amount she gave me was 4 times the amount on the report.
She asked if I had recieved the letter that they sent out the month prior to the phone call.  I told her no becuase I had moved from Illinois back to Colorado that month.  (By the way I had changed my address with the post office of coarse if they truely were legitimate, they would have known.)  I then told her (again being naive) that I didn't start my new job for a couple of weeks.  She spoke very forcefully and said that my first paycheck with my new company was going to be garnished.  Not something I wanted to hear.  She scared me and she knew it.  
She wanted to know if there was someone that could "take care of the debt" before it went that far.  I told her that I might.  She proceeded to tell me that I needed to hang up with her and call that person IMMEDIATELY.  I told her that I couldn't call that person becuase they worked on a military base.  She almost seemed intimidated.  She said, "Nevermind.  When does he get off?"  I told her about an hour.  She said that I needed to talk to him today and give her a call back today so that I didn't have to go to court.  
As if this wasn't enough.  She told me that the debt was close to $1200.00, but if I could pay them $800.00 now then it would be done.  If I couldn't do that, then she suggessted to pay $300.00 now and $800.00 within the next month.  If not that then they would have to garnish my wages for close to $5,000.00.  As sad as it is, I have been garnished before and with court costs and fines there is no way that would equal $3,800.00.  She wanted me to give her account info over the phone.  She stated that was the only way to prevent me from going to court.  Not once did she offer to give me her address.  (My guess is so that it could not be traced.)  What kind of creditor wouldn't take the payment however they could?  
My parents and I looked the number up on Google and found all of these other remarks.  We also took a closer look at my credit report.  There is close to $20,000.00 that I can't account for.  We believe that I was part of identity theft and I will be taking steps to try and get this cleared up.  That would explain why they might have had my entire SS# and a debt that is schedualed to fall off my credit report within the next year.  
I called today to speak with the young lady to try and find out how they obtained my SS#.  Of coarse at 10:00 their time no one was in that department.  The young man I spoke to was the Director.  (How many directors do you know of that answer the phone in a legitamate office?)  I asked him my question.  He said that I had an old debt with XXXXXX bank.  I then asked him how he knew who I was when I didn't give him my referance number, name, or phone number.  He simply replyed that they have Caller ID.  I told him of an attonery that he needed to contact and he stated "Oh is he in XXXXX Illinois?"  (A completely different city than the one that the letter was suppossedly sent to.)  I said "No.  He is located out here where I am living."
He didn't ask for my new address, a local phone number, or any other piece of info that I have been asked for by past debtors. I told him that I would see him in court.  He then threatened me by saying, "You have no idea how far we are about to take this do you?"  I told him good luck with that.  I told him about how there were several logs about their company.  He then told me, "Don't let the internet cloud your judgement!  You are in a lot of trouble!"  I felt like he was trying anything to get me to pay. After that I hung up...
I will be calling the Attonery Generals Office shortly.  I strongly advise that you do not give them any info.  Do not call the second number.  And make sure that the amount that they are reading to you is correct.  Please Beware!!!!

First and foremost, nobody is a "victim" of any type of lender or loan. There is a thing called a "Truth-In-Lending" disclosure on your loan contract that tells you EXACTLY how much the credit will cost you and whether or not you can pay toward the principal amount at any time. I strongly question the intelligence and good sense of someone that reads their contract and signs without knowing what they get into.

First and foremost, nobody is a "victim" of any type of lender or loan. There is a thing called a "Truth-In-Lending" disclosure on your loan contract that tells you EXACTLY how much the credit will cost you and whether or not you can pay toward the principal amount at any time. I strongly question the intelligence and good sense of someone that reads their contract and signs without knowing what they get into.

Got a phone call from this number. No message left.

Same happened to me, I received a phone call from a guy and then a lady called me and of course  I was really scared and gave her my information, I called her today asking for a copy of the documents and and she told me exactly the same they told you. I already called my bank.

This is a scam so dont fall for it! Mathew Miller left a message for me to call. I called & they threatened to garnish my wages if i did not pay them 3x what i owed. I was freaking out so i gave them $25 to secure a  payment plan till i could come up with the rest. Then i got to wondering if i had been scammed. I called them back & Mathew Miller answered and promptly transfered me to some bi***. I asked her to fax me a copy of the paper work they had or a judgement and the bi*** said" i could not have it ( that is illegal, if they have paperwork or a judgement they have to give it to you by law) She said she was going to fax the paperwork to my employer to garnish my wages if i did not pay. (Also illegal. They can not fax a wage garnishment to your employer, It has to be served in person and there has to be a judgement by a court against you) You can look online to see if there are any judgements against you on your local government court website. After learning all the illegal things they were doing i called back & Mathew Miller said I'm no longer authorized to discuss your case. I said is that because you know I'm on to you and your scam? he started yelling and i said you are not getting a dime out of me and will be talking to my lawyer and i hung up on him! I looked at my bank account online and the $25 payment that was pending had suddenly disappeared. I thought that was pretty funny they knew i had caught them. I called my bank and ordered a new debit card because they had the card # just to be sure they did not try to run it in the future. My bank was going to dispute the $25 charge anyways so its good they dropped it. This is the company info i think they change there phone # from time to time.
AM Associates, Inc
2312 Park Ave Ste #433
Tustin, Ca 92782
Ph 888-867-4879 ? Fax 657-622-4738
____________

wow, if it's on your credit report with experian, then maybe you did open the debt, and you should really contact the original creditor because that is who put it on your credit anyway!
another reason this country itself is in debt. because of people like BRANDY! TRYING TO AVOID RESPONSIBLITY!!

Best Answer - Chosen by Asker

It can be very stressful on some people. You will also start getting letters in the mail from them that may eventually turn more demanding.

Bottom line is that credit cards are unsecured so they can not take your car, house, furniture, etc. Their only recourse is that they can really damage your credit rating and or garnish your wages.

I would suggest contacting each of your original credit card creditors (not the creditor of record) and ask to have the account closed; this will stop interest from accruing.  But this is rarely the answer. Or a debt will continue to grow.  So it's best if you settle with them as it'll save you money. Ask for a final bill and then just try to pay a certain amount on each balance if possible or put them aside and concentrate on your mortgage and children.

If you have a credit card with a low balance with available credit it may be a good idea to keep one card for emergency situations (unless you have some savings available) and just pay the minimal amount or even concentrate on paying it off (to save on interest charges).

Once you start earning more income, either try to pay off the balances of the closed accounts little by little or if you're in the position to, contact each credit card company directly and make an offer to pay a % (usually 50-70%) of the balance owed (think about your offer before you call them). If you choose to do this, stay firm on your offer and document everything. Request to mark the account paid in full (keep all documentation and proof of payment). Most companies will accept this because they feel that something is better than nothing. They may make a counter offer and they'll most likely end up calling you back to accept the offer. Good luck

I received a call from that very number and person today.  Did you find out if it was a spam for certain?  I don't want to shell out my money to a scammer.  

thanks.

Yes, I did get a call from them today, and I agreed to pay, but since I read the message from posted info, I am going to challenge the info that they have. I am going to ask for the original contract and other Identifying information. The person that I spoke with is named Matthew Miller, at the x215 and then was told 216......that what made me think, he would not accept payment by mail only my debit card....Again I am going to investigate further. Thanks People.....

Susan- A process server does not call ahead and let you know he's coming. So that is your first clue that it's a scam. When I called them back I questioned them on the county they filed in and what type of law suit it was because it has to be filed in your current county that you live in they couldn't seem to give me any info on the case or anything pertaining to it (second clue this is a scam) They only wanted my credit card number and offered to cut me a deal (third clue this is a scam). They never have sent proof of any debt to me or my attorney so this is a scam.

This is a scam, at best these are junk debt collectors who bought old, old debt and are trying to bully people into giving up their credit card info.

I have received two calls two weeks apart, just stating that they have verified my ssn, address, employers address and that they can garnish my wages if I do not respond within 24 hours.  I responded and spoke with Dawn Andrews at ext 224 she gave me a company name of AM associates out of Orange County CA.  I had the same c/c which was cancelled off my credit report as well and she is stating that I owe over $1200.00

SO DID THEY STATE THEY WOULD GET YOU SERVED IF YOU DID NOT PAY AND HOW DID THE CREDIT COMPANY HELP YOU

I HAVE BEEN GETTING THESE SAME CALLS FROM SOMEONE NAMED KATHY AT 888-867-4879 EXT. 216 STATING THAT MONEY IS OWED AND THEY CAN LOWER THE AMOUNT AND GET ME SERVED.

HAS ANYONE ELSE RECEIVED CALLS FROM THIS PERSON AT AMA, INC. AT 2312 PARK AVENUE, SUITE 433, TUSTIN, CA 92782.

PLEASE LET ME KNIOW IT DOES SEEM LIKE A SCAM SINCE THE CREDIT CARD CONTINENTAL FIRST BANK OF DELAWARE IS CANCELLED FROM MY CREDIT REPORT.

Mary Yu--- (how generic by the way)
I don't see where anyone put "victim" on this post. Who are you talking to and what are you talking about???
The fact is these people are trying to collect money that is not verified debt. Why would anyone pay someone that can't prove the debt is owed. How do YOU know if this is a real debt and not a scam? I wonder?? Do you work for this company??? hmmmmm
They are using illegal means of trying to collect money from people and they can't prove anything they are saying.
Do not agree to anything with this company. I asked them several months ago to send me proof of what debt this was and I still haven't seen an email or a letter from them. Once I told them to contact my attorney with this matter I have never heard another word and neither has my attorney. I would say that is a scam and the people who pay them could be victims of scam artist trying to scare you into giving them your credit card number.  So there is your victim word to harp on!