These people are calling me from numerous numbers and have my social security number sayin they are pressing charges on me.. the other  number is 714-733-5618 that they are calling from saying they are from jennifer young law firm and that they are having me served with papers by a sheriff at my job and all kind of bull mess!

i got a call, at work and cell phone.  said same thing that all others have commented and said, freaking crazy, David Jones is the name he gave me with Richard Morgan and Associates out of Austin Tx, i work at the court house and have reported this to the local authorities.  Once i told him that he hung up on me and said thank you?  idiots, BEWARE of this!!!!!

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

http://800notes.com/Phone.aspx/1-951-489-0227

I WAS CALLED WITH WITH A THREAT TO HAVE ME ARRESTED ON AND LET THE SOCIAL SECURITY ADMINISTRATION KNOW THAT I HAD STOLLEN  MONEY FROM A PAYDAY LOAN 3 DIFFERENT CHARGES AGAINST ME ONE FEDERAL CHARGE,SECOND ONE AND THIRD ONE WERE STOLEN AND USED AS THEFT OF DECEPTION. AND CHARGES WOULD BE FILED AGAINST ME IN THE COURT HOUSE HERE IN WV.  THE PHONE # USED WAS 1-951-489-0236

The same shyt happend to me today i got a call from 9514890226 i had a bad f****n day

Yep - and I just called the t**** head piece of s*** back and he started swearing at me.  All I asked for was his address....maybe this is their way to 40 virgins...?  b*****ds should burn in hell

I got this same message from Young Law, saying my name and social has 3 pending lawsuits - called me at work?????

There calling from all type of numbers now ugh!! They already got me once. I was so stupid. Someone please stop these people.

This is a scam. I fell fir it. They took $600 from me. I've filed a police report. This is total crap. I hope they burn in hell.

Indian b*****d keeps calling saying this is very time sensitive, I must call immediately.
Name - Michael Jones or Richard Keith  clearlyan indian piece of s***

This number calls me all day on my cell phone and several times on my work number.  I figured it to be a scam, because I got scammed out of $600 for idiots like this a few months back.  I pretty much just let it go to voicemail or hang up on the call.  I've had women and men with heavy Indian accents calling with the threats.  I am going to block the number on my cell phone and any other number they call from.  They all just need to drop in a black hole and disappear!!!

951-489-0224 This time it's Jack Ryder calling. Kevin Peterson must hear from me or my lawyer. Charges have been filed. Bla Bla so on and whatever! It's a scam. Nothing more to add.

I just experienced all of the above Sept 24.2011

I now realize I just lost 300 dollars f****ng a** holes

got another number call today from mike johnson 62638402243258 saying he'as gonna throw me in jail tomorrow..or my attorney should call him immediately...and no other info..crazyy huh..
don't give out any info..

I just spoke with CA Bar and no attoney name Jennifer Young does practice in CA.  I also spoke to the Riverside DA, and unless you sent them money, they can do anything with a loss happening.

micheal johnson has called my cell about 5-6 times in the last few days.about this fictisish cash the number is loan.that i never recieved..951-489-0224.i would appreciate this stopped soon..
people don't need to report someone for nothing needed or otherwise..i never took out a cash advance from cash advance ,i have gotten a few others recently,but no one i would appreciate people not threating me like that..i haven'[t been asked to pay anything yet..but i still believe it's not legal by no means..advize..

the very same message appears from a caller named micheal johnson.and he says that i am being sued for a cash advance i didn't pay.there is no such advance ..what do you advise???

Hello, My name is Christin. I just recieved a call from this number by a Indian Guy with a VERY HEAVY accent, telling me that I had been sued, for A MILLION BUCKS:@. I am 19 years old, aint no way in hell, I owe anyone a million bucks. He told me that I needed to contact Micheal Carter, at 951-489-0224. So being 19, and panicked, I call this person. He refuses to tell me what I am being sued for, as well as refused to explain what was happening. So I, simply, cussed him out and gave him a earful. He hung up on me. I called back with my MOTHER on threeway. Another Indian guy with a heavy accent, picked up the phone. I was like yes, this is Christin B--------, do you mind telling me how I am being served from CALIFORNIA when I live in NORTH CAROLINA? He hung up on me.

Point is, this is a SCAM. If this guy calls me and threatens me ONE more time, I will deal with it, by ONCE AGAIN calling the police, AFTER I CUSS HIS BEHIND OUT.

Same thing also happened to me I talked to a lawyer & they said someone call & get the mail address so u can mail & money order cause that's what they need no check & then call this # 248-208-8864 Julie (LAWYER) Petricllo. They both need to be stopped they called me yesterday & today 7:30 in the morning had me so upset.

The day b4 yestrday I got a, voicemail from a 9514890224 # a strong Indian accented man who acknowledged himself to b Michael Johnson, I thought it was for a credit app tryin to approve me. I disregarded it. Yestrday he called bak left da same voicemail jus sayin how I need to call cuz of an important matter so I did jus to c what it was about just to hang up on them. He answered da phone sayin "This is Michael Johnson wit the Law Office Of Jennifer Young how can I help u" so I said I got a voicemail to call u whats it regardin he asked for my name I only gave my first name he then verified my last name & ss# he went on about how I had gotten a $300 payday loan wit Cash Advance last month & da deal went bad & I now owed $798 $ how they were pressin charges on me & I would need an attorney. I started gettin upset cuttin him off sayin how I never applied for a payday loan & he Yelled @ me sayin LET ME FINISH, so I did. He asked if I had any questions I was histerical & wit base n my voice I was like who is Cash Advance when did thevtransaction take place he cut me off bein rude callin me a criminal hangin up whn I called bak he'd answer sayin he was Michael Carter & askin y was I yellin & how they spent $4Gs on trackin me down & I had to pay dat bak. He kept bein rude sayin dat a manager or supervisor wuldnt wanna talk to me cuz im a criminal & he would have sheriff officers @ my job (which he stated) to have me arrested. After findin dat all dis was a scam I called the police filed a report. Now I call da man from random numbers givin fake names & I can hear him typin n da bakground tryna look da name I gave him up if he dont find it he hangs up on u.

Same thing just happened to me and nearly gave me a heart attack.  Indian guy with heavy accent that was very rude.  Wouldn't tell me any details of the supposed case and told me that I would be arrested tomorrow at the workplace.  I'm glad I googled the number and found out it was a scam.

This number contacted my manager at work and said they needed to speak with me concerning a legal matter, not only does that make me look bad and make me look like im in a lot of trouble it starts to worry my boss. hopefully someone takes care of this soon.

I forgot to mention, BLOCK your phone number (s). Call your local phone carrier if you need help with this.

Call the local police dept. and make a report, call the Fair Trade Commission at 1-877-382-4357 and make a report, and your State Attorney General. Also, notify the Credit Bureau to alert them of this problem.

I have been receiving calls from this # for the last two days and first it's a lady with a very hard foreign language to comprehend then a man calls me back and he has a foreign language but is easier to comprehend but still difficult to make out certain words. His name he claims is James Miller and her name is Jennifer Young. He told me i went on line to get a loan and owe $$$ I said no they never gave me the loan then he said a check bounced a few times which it did and said you need to pay that $700 tonight or tommorow the sheriff will be @ my door with a summons and will have to go to court and good luck with that and said call him back if i need some advice. I was so upset cause I did bounce a check for $100.00 & thought my $$$ was in there and it bounced so he had me thinking how did he know that but I wasn't thinking and caught me off guard, PLEASE EVERYONE BE VERY CAREFUL. AND WAIT TILL HE CALLS BACK I HAVE A UPSETTING CASE FOR HIM. He told me he was with a law firm not that I thinkk about it & was collecting a debt over the phone so watch what you do on the computer EVIL ONE"S ARE WATCHING OUT FOR US GOOD HEARTED ONE"S. GOD BLESS U ALL!!!!

I just got the same call here at my work!!!  I knewe it was a scam because they have done this to me before both at home and at friends and family members phone numbers!!  They are relentless!!  Please, please threaten to call the authorities to see if you can get them to stop...I did last time and that was about a year ago.

I received my first call from 951-489-0224 on 9/27/11. When they identified thmselves as a law firm I asked for their bar number to which they are licensed to practice. They then replied "we don't give out personal information!" They are now mad at me for I keep calling them to warn them not to call anyone else in my country.

If the company has a web site, you are already better off than most in your situation.  Many times, it is impossible to identify off-shore callers and pursue your rights under the Fair Debt Collection Practices Act (FDCPA).  Without that information, you would have a difficult time.  

You are correct about the prohibitions in the statute.  Under the FDCPA, debt collectors may not contact you at any time or place which is known to be inconvenient.  The statute presumes that any communication before 8 am is inconvenient.  

If there is a violation of the the Fair Debt Collection Practices Act FDCPA you can get up to $1,000 in statutory damages, plus actual damages including compensation for harassment, embarrassment and frustration.  If you are successful, the debt collector will have to pay your court costs and reasonable attorney?s fees.  Your state collection practices act may have additional prohibitions and remedies which are applicable to your situation.

If they haven't listened to you so far, your best option may be to follow through and have an attorney help get their attention or pursue claims under FDCPA.  Your state may also have its own remedies for abusive or unfair debt collection.

Lyngklip & Associates sues abusive debt collectors.  www.sue4abuse.com

Contact the FDCPA (Fair Debt Collections Practice Act) they are violating the laws laid out for collectors in every way and do not pay. I have had this same person do the same to me. I started calling and would not stop just called and called and called. eventually they will stop but it starts back up in about 3-4 months from a different number. They told me I had a check advance and I didn't even have a checking account.