i dod not get a call... but an email from  some  AFB @audubonfinancial.com saying that... they called me. i never got a call from them... and........   they are confirming the payment plan and it starts tomorrow...... there was no plans for payments... i dont know what payment,, where are they gonna take my money from... they left me a phone number,,, 1-888-604-8349... i tried to call but got some sort of answering machine saying it was disconnected... i am NOT gonna reply as they want me to.. because maybe they are baiting my information for their benefit ... please help me... i dont want to lose money or my information thats not warranted... thank you

AFB Associates called my place of work 2 times. This is against the law.

That is the exact same email I got...

I recieved the same email a few days ago. I have never had a payday loan and have filed bankruptcy in the past year so i have no clue what this is in regards to...The copy of the email i recieved is
   A.F.B. & Associates, LLC P.O. Box 901 Getzville, NY 14068 Toll Free: 1-888-603-7129 Fax: 1-716-218-2153 Office Hours: M-Th 9am-9pm est; F 9am-5pm est   September 10, 2012   SETTLEMENT OFFERS & HARDSHIP PAYMENT OPTIONS! TAKE ADVANTAGE OF THIS FINAL OPPORTUNITY Account Type:  Payday Loan Status:  Final Review/Pending Recall     BALANCE DUE:                  $_____________ SETTLEMENT OFFER:     $_____________   CALL  1-888-603-7129 TO SETTLE TODAY !!!                 This letter is to verify that we, A.F.B. & Associates, LLC as agent for your account have been authorized to accept settlement arrangements at our lowest possible rate.  You have the option to resolve this past due debt at a reduced price, provided payment is conducted over the phone by the due date.  We ask that individuals with real and honest intentions contact the office at 1-888-603-7129 to setup payments.              If the offer is not satisfied as stated, the offer will be rescinded, collection fees and interest will then be added, at which time the entire balance will be payable in full.  Upon clearance of funds your account will have a zero balance, be considered paid and we will notify the credit bureaus so they can update your credit report accordingly. A.F.B. & Associates, LLC  will show no negative reporting on credit bureaus.   To expedite the credit bureau reporting process, make copies of this letter and send them to the following addresses:   Equifax, Inc.                        Experian                                   TransUnion Corporation P.O. Box 740241                 P.O. Box 2104                           P.O. Box 1000 Atlanta, GA 30374               Austin, TX 75013                       Chester, PA 19022 1-800-685-1111                  1-888-397-3742                       1-800-888-4213                 Your loan is in a delinquent status and in an attempt to resolve the debt, settlement opportunities and payment plans are available.  We ask that you contact our office to take advantage of settlement offers to assist customers in getting out of the ?Payday Loan Trap.?  Our client has allowed us to conduct settlements and payment plans at our lowest possible rate in an attempt to close any and all remaining delinquent accounts.  These convenient payment options will provide opportunities for customers of these Payday lenders to clear their credit report.  Once the account is paid/settled, the negative tradeline on the consumer?s credit report can be resolved.                  We have not added interest or collection fees to this balance, and are willing to work out various payment options and/or settlements for customers; this can be paid using your Visa, Mastercard, American Express, Discover or your Visa/Mastercard Debit. You can contact our office Monday through Thursday 9:00am to 9:00 pm eastern standard time and Friday 9:00am to 5:30pm eastern standard time at 1-888-603-7129.               The option to settle is considered a courtesy that must meet certain requirements, including time deadlines.  If accounts are not paid and/or settled, all options to pay are considered null and void at time of expiration.  We at A.F.B. & Associates, LLC implore you to contact the office at 1-888-603-7129 to speak with any of our helpful representatives.     This has been an attempt to collect a debt; any information obtained will be used for that purpose.   Sincerely,  David R. Klein, Final Review Claims
I'm pretty sure its a scam or a wrong person.

I have not received a call from this number, but I did receive and email from the A.F.B. & Associates with this number as a contact number.  They stated in their email that they have been authorized to accept settlement arrangements at their lowest possible rate for a company that I have never heard of.  It also says that I have the option to resolve the past due balance (which it doesn't provide) at a reduced price, provided payment is conducted over the phone by the due date (also not listed).  It has this number and a contact name of David R. Klein, Final Review Claims.  Has anyone else received anything like this, or are you strictly receiving phone calls from this number.

stop scamming....

pay your bill....

john..there is 12 states where the pdls are illegal and they will not take you to court because the pdls and low life third party debt collectors will be fined by the courts...
BOTTOM LINE ..THEY NEED A LICENSE TO LOAN MONEY AND THEY DONT HAVE THAT LICENSE IN THE ILLEGAL STATES..

so your saying debt management partners is a scam too?? I called them and found out they are a real company not a scam.  The law states that anyone who legally owns a debt can pursue for a civil case, your right they cant scare you or threaten jail time but if they hold the legal title they have that right.  Remember we are in the USA where anyone can sue anyone for anything.  Im not trying to argue but I know for sure Debt Management Partners is real and they do place the debt with various agencies around the USA.

they cant do anything to you- read below

The company who has been calling you is probably a scammer. There is no evidence that they actually exist. They are probably criminals who have found your information online. Unless you receive written notification there is no reason to treat them as a real company. They may threaten you to scare you into paying them, but there is nothing they can actually do. Do not give them anything they ask for. File a complaint with your state attorney general's office or contact the new government agency which has been set up to handle consumer complaints:
http://www.consumerfinance.gov/get-help-now/c ... and-complaints/
http://www.consumerfinance.gov/
You may also file a complaint with the FBI here:  
http://www.ic3.gov/complaint/default.aspx.
Payday loan sites get hacked on a seemingly regular basis and  scammers use info hacked from these sites to illegally collect money from unwary consumers. They will often know  personal info such as your last four digits of your SSN, DOB, address etc., all taken from the stolen records.  They use that info to get even more info on you from personal info sellers like Choicepoint. Unless you know for sure you owe the money, be very careful about giving them any personal info, especially bank account information (they will clean you out,).  Record the calls if legal in your jurisdiction, and demand a mailing  address so you can send them a "cease and desist" letter (see FDCPA Sect 809.)   Since these calls almost always come from overseas, there isn't much the authorities can do to stop them.  So protect yourself. The scammers use many scare tactics to force you to pay:


?    Threaten jail time, to "serve you at work or home" or " arrest you at work or home" if you don't pay by a specific hour
?    demand pre-paid Walmart card or Western Union tranfers to pay the supposed debt
?    Tell you "there is a case pending  in the courts".  Check your local courthouse and see if any company has filed a lawsuit against you.
?    Say they are federal agents, government agents, law enforcement, ie; "Officer Smith", ""Special Investigator Jones"
?    Say they are a lawyer or law firm. Ask for their exact company name, address and the names of their lawyers so you can look them up in their state bar association (this can be done online).
?    State a fake company name: again, get the exact address and look them up in their state's Division of Corporations:. If they are not listed there they are not a real company, and therefore, a SCAM!
?    Tell them by law they are required to send you a collection letter within 5 days of the first time they call you.

Be suspicious if they refuse to give you their address or won't send the letter through the US Mail. Many scammers email or fax collection letters to skirt the Mail Fraud felony laws.

All Division of Corporations for every state can be found at the following link:
http://www.coordinatedlegal.com/SecretaryOfState.html
Unfortunately there is nothing we can do against scammers since they are  not legitimate and not much you can do either other than hang up on them. Keep telling them you know they are not real, they will not get anything from you, and are wasting their time.  Also, tell them you have reported them to the FBI.  Eventually they will leave you alone when they realize they will not be able to trick you into paying them.  Please see this ALERT  from the FBI:
http://www.ic3.gov/media/2010/101201.aspx
Here is a link to a recent Fox news report on this very scam:
http://www.myfoxla.com/dpp/news/investigative ... -scams-20110502
We hope this information has proven helpful. And please tell your family and friends to be on alert for this scam!
Thank you for contacting us.

Client Coordinator/Paralegal Team
Lemberg & Associates LLC
1100 Summer St, 3FL
Stamford, CT 06905

Ive been getting calls too but I worked in collections before and contrary to what you believe, if they own the debt they can file for judgement.  I got stuck in the pay day loan trap cause of hard times as well but to be honest with you, if they own the debt they can do what they want to do and I know for sure from my time in collections that they are real cause they collect for Debt Management Partner (800-883-9067).  I have verified all info

If they didn't send something in the mail with the company name and corporate address, I'd tell them I have to assume they are a scam.  If they don't follow the law, you can't afford to believe they are legally authorized to collect.  You could pay them and still end up owing the debt to the original company or another collector.   You have the right to dispute the debt by mail and ask for validation, and to do that you need the company's name and address.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

§ 809.  Validation of debts   [15 USC 1692g]
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

This is one way they could have gotten your information:
http://krebsonsecurity.com/2012/09/id-theft-s ... day-loan-sites/

thank you for the advise, but thismorning she called again what to do?please someone help scared

Munchkine.. they can not take you to court on a payday loan.. these people are scammers.. I've been getting calls from a Jay Williams/Wilson on a payday loan that has been paid off since May.. just ignore.

my phone rang and i let it go to voicemail, i heard the voicemail and she said her name kelly branch from afb and to call back at this number 888 603 7129 xt 129,
i called back and she said to resolve the issue with a payday loan i had back in the beggining of the year that i could not pay back. she said to give a down payment and they would not take the case to court.
please someone help               i dont know if its legite or a scam




munchkin

These people called me and left a message saying, "My name is Monica, I'm with AMB division and I need to speak with you immediately in regards to a driver's license suspension please contact our office at 888-603-7129 x111"  Ummmm, don't you think that's taking it a bit too far?!!!  I just renewed my driver's license and I know there is not and will not be suspended.  WTF?!!!

the person from this number 1-888-603-7129 said her name was sabrina brown calling from the office of the  AFB ext 164 said she had an order of execution against my name and i had 48 hrs to comply or i will be arrested they would come to my home or place of business i know who is doing this to me i heard her voice in the background its sad people do this iam disabled and have to go thru this crap shame on you desiree i was so upset with worry

Caller ID said the call was from 888-603-7129; I let it ring because the number looked strange to me; they left a message to call 855-666-1467, which is Audobon Financial Bureau or AFB for short.  I found out who they are from this website, not from returning their call.  People, do not return calls to these people; do not give them any info about yourself or anyone else; do not believe any of their threats.  They are a phoney baloney scam operation who acts like a collection agency and tries to threaten and bully people into paying them (by threatening legal action and arrests and by calling your friends and family) but if you pay, it doesn't pay down a debt (real or imagined) but instead goes in the scammers' pockets.