THESE JERKS CALLED ME THIS WEEK FOR A DEBT I OWED WITH A PRINCIPAL BALANCE OF $400.00 THEY THEN SAID THE DEBT WAS NOW UP TO OVER $2500.00 AND I HAD COMMITED A WHITE COLLAR FELONY CRIME, AND THAT I WOULD FACE 4 FELONIES FOR THIS. I SAID WHAT IN THE WORLD ARE YOU TALKING ABOUT. I COMMITED NO CRIME JUST A SET OF UNFORTUANTE EVENTS OCCURED WHERE I LOST MY JOB SHORTLY AFTER THE DEBT WAS TAKING OUT. ABOUT 3 WEEKS AFTER I LOST MY JOB I WAS BLESSED WITH AT THE PRINCIPAL AMMOUNT TO TAKE BACK TO THEM AND I WALKED IT IN IN PERSON.THE SILLY PEOPLE THAT WORKED THERE IN PERSON AND THIER BACK OFFICE SUPPORT OPERATIONS PEOPLE COULD NOT UNDERSTAND THAT I DID MY BEST TO PAY OF THE PRINCIPLE AMMOUNT BUT THEY REFUSED AND SAID NO I WOULD HAVE TO PAY THAT AND COLLECTION FEES WHICH AT THAT TIME WAS APPROX $800 GIVE OR TAKE. AND THERE WAS NO WAY I COULD PAY THAT WITH OUT A JOB AND A FAMILY TO TAKE CARE. THIS PAST WEEK WEINNMAN AND ASSOCIATES CONTACTED ME WITH FELONY CHARGES THIS IS WHAT THEY STATED FIRST THEN THEY SAID IF I PAY APPROX $635.83 TO $800.00  IF POSSIBLE THEY WOULD DROP ALL CRIMINAL CHARGES BY 5:00 P.M. I DO NOT HAVE THAT KIND OF MONEY SO I SAID THAT I WOULD GET BACK WITH THEM BY 5:00 P.M. WHO AT FIRST REFUSED TO IDENTIFY THEMSELF BY NAME, (COMPANY) WEBSITE ADDRESS, PHONE#, AND ADDRESS. I DID SOME INVESTIGATION OF MY OWN (INVESTIGATION COMPANY) AND I CAME IN CONTACT WITH MY STATES ATTORNEYS OFFICE AND THE U.S. FEDERAL ATTORNEYS OFFICE AND THEY BOTH COMMUNICATED TO ME THAT IT IS ILLEGAL WHAT THEY DID AND SAID YOU CAN NOT THREATEN ANYONE WITH PRISON TIME IN ORDER TO GET PAID AND THAT IT WAS A SCAM. THEY SENT ME INFORMATION ABOUT MY RIGHTS AND THAT IT IS NOT A CRIMINAL OFFENSE ONLY CIVIL. I THEN CONTACTED MY SHERRIFFS DEPT AND MY POLICE DEPT (SPECIAL UNIT INVESTIGATION UNIT) AND THEY ALSO CONFIRMED THAT THERE IS NO WAY IN **** THAT THEY WOULD PICK OR COME LOOKING FOR SOMEONE FOR THAT AND THAT IT IS CIVIL AND HAS TO GO TO CIVIL COURT. AND THAT IT WAS A SCAM. I CALLED WIEMANN AND ASSOCIATES BACK INFORMED THEM AND THEY SAID FINE SINCE YOU WANTED TO CONTACT THE STATES ATTORNEYS OFFICE WE WILL MAKE A BELIEVER OUT OF YOU AND HAVE YOU PICKED UP IN 24HOURS, NOT SO. I CONTACTED THE STATES ATTORNEYS OFFICE BACK INFORMED THEM THEY RESENT A MORE INFORMED VERSION OF THE LAW THAT IS THE LAW THAT IT IS CIVIL NOT CRIMINAL. I FILLED A COMPLAINT WITH THE FTC THEY SAID THIS COMPANY IS A BIG SCAM AND NOT TO WORRY ABOUT THEM AND THEY WILL START A NEW INVESTIGATION. I ALSO CONTACTED A LAWYER THAT ALSO AGREES THAT IS IMPROPER AND THIS COMPANY NEEDS TO STOP AND THEY ARE LIABLE FOR THREATING, HARRASMENT, IMPROPER THREATING OF BODILY IMPROSIEMENT, ETC. SO WE WILL SEE WERE THAT LAWSUIT GOES. ANY ONE OUT THERE THIS NEEDS TO STOPS. I DID NOTHING WRONG EXCEPT LOSE MY JOB FOR MYSELF AND ESPECIALLY FOR THE WELL FARE OF MY FAMILY. THIS KIND OF THREATS AND COLLECTIONS IS ILLEGAL AND NEEDS TO STOP A.S.A.P.

Shady collections outfit calling from 202-827-0654 re: a bad check to Check N Go.  Now they are going by the name of Weinmann and Associates.  They gave an address of 20 F Street, Suite 4178, Washington DC 20001-6700.  They had the nerve to call the client's relatives and claim that they would have a warrant issued for his arrest!

I've been receiving harassing calls from Irwin & Associates for the past 6 weeks. For a payday loan from about five years ago. They've misrepresented themselves, accused me of a crime "passing a worthless check" and "fraud" threatened me with legal action, told me I would be sitting in a jail sell for 21-45 days awaiting for trial. At one point a few weeks ago one guy said he was driving to my house to serve me papers and did I have any weapons?? All of those things illegal to say. He never showed. I'm pretty sure these guys are in DC and I'm in Oregon. This scared me at first, but it also felt like something was off. I'm grateful for all of the people who posted. I called them back (spoke with Brad Ferguson) and told them where they could take their phone calls. I questioned him for about an hour. Asking why I never received paperwork, why its criminal (when no one can go to jail for not paying a debt) he said it is considered a felony to pass a bad check over 500. He couldn't really answer my questions with intelligence and by the end he really seemed at a loss for words. From everything I've read, these guys are bad and probably get a lot of people through their scare tactics. Don't give them money!

Spoke with them today and told them they were fraudulent. Nancy then told me my family better have bond money and hung up on me. When I tried calling back it wet to Julia's voice mail.

The following names are associated with these debt collectors / scammers:

Kimberly Caldwell
Kimberly Cole
Irwin and Associates
Milton Jacobs
Julia Banks
Cindy Moore

WCCI

Cochran and Associates
weinberg cockran coulson and irwin

WCCI

The following FAX number is associated with "Irwin and associates" :

1-888-389-8063

Prior to 9 AM Eastern Time - all calls to the number 202-827-0771 are routed to "Milton Jacobs" voice mail

After 9 AM - the calls are answered by a phone operator who claims to be in the "Fraud and Worthless Check Division"

Several numbers route to the same call center - 202-827-8060 is one of them.  

The address they claim to be located at is 303 West Avenue  Washington, DC  20213

They claim to be Irwin and Associates

It is illegal, under the Fair Debt Collection Practices Act, for a debt collector to threaten CRIMINAL prosecution for a CIVIL matter.  The majority of the collection efforts being made these individuals in question are in regards to past payday loan agreements.  These payday loans have specific contract agreements between the vendor (the payday loan company) and the person receiving the payday advance.  One such contracted agreement is that, in the event of a returned check (in other words, the receiver of the loan was given funds by the vendor, but the check on which the advance was written was deposited and subsequently returned to the vendor for insufficient funds); the vendor has the right to charge returned check fees and pursue the debtor through legal means in order to recover a loss through CIVIL ARBITRAGE.  According to the signed contract agreement between the vendor and the debtor, CRIMINAL PROSECUTION cannot be an avenue of rectification.  The contract agreement only allows the vendor to remedy the loss through civil arbitrage, in the event that the debtor will not agree to a repayment agreement (contingent upon a particular state's regulations).

Furthermore, it is ILLEGAL for a payday loan company, cash advance vendor, debt collector, or any merchant, to attempt to redeposit a check AFTER a payment arrangement has been made between a debtor and said vendor, because the repayment agreement acknowledges, in writing, that both parties understand and agree that the check has been returned to the merchant/vendor, and that a repayment agreement has been entered into.  This becomes a legal contract between both parties.  In the event that the debtor defaults on the repayment agreement, the vendor may only pursue collections efforts in CIVIL court.  The original check can no longer be collected upon, because the new repayment contract was contingent upon the understanding that the original check was returned, charges and fees were assessed, and that repayment through installments would be made.

Also, attempting to DEPOSIT a check or draft on a closed account by a vendor, merchant, or payday loan company, is considered illegal under the Fair Debt Collection Practices Act.  Debt collectors who claim to be attempting to collect a debt on a bad or worthless check AFTER payment arrangements had been made are Federally unable to pursue criminal action against debtors, regardless of whether or not a repayment agreement was defaulted on.

For information on the Fair Debt Collection Practices Act, you can follow the following link:

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Again, any debt collector who attempts to threaten a consumer with criminal action for a civil matter is breaking the law.  The federal government has instituted legislative measures to protect consumers from illegal collection practices.  Individual states have also taken action to legally restrain debt collectors from harassing consumers.  

If a debt collector threatens you with criminal action for a bounced check, a defaulted payday loan, or any other monetary contractual default, they are in violation of the Federal Fair Debt Collection Practices Act.  Contact your state's attorney general office and the Federal Trade Commission immediately with all pertinent information concerning ANY debt collector who attempts to utilze these methods of extortion.

I just recved a phone call  from them

They called me today.  Told me I owed almost $6,000 on $700.00 in loans.  I had an hour to call them with $975.00 or someone would come to my place of employment or home, take me away and put me in the "system".  I did have a payday loan but not from Advance America and I paid most or all of it.  They would not allow me 1 day to look at my records. Luckily, I called a wonderful young man at a payday loan debt consolidator for help and he advised me this is a scam when I gave him the phone number  .Apparently they have my information illegally, they did not identify themselves when they answered the phone but stated "prosecutors office".

Unfortunately they scared me enough to give them two "character witness" name and phone numbers.

These 2 people will probably have to change their phone numbers now.

Thank you OMG, give me a BREAK! This helps out a bunch They called me friday and said i owed 1471.19 I had until monday to come up with some money to make a payment they tooked my work number and my sisters,friends number. i havent called them back today.  now if i dont pay anything they are going to start calling them i told them to tell them to stop calling are they was going to take legal action.

TO ANYONE WHO RECEIVES A CALL FROM THESE JERKS! You will know this is them because they use a "pseudo-lawyer" phrase "Govern yourself accordingly" and say they are from the "worthless check division". Give me a FU**KING BREAK! Number one: Non-payment of a debt is a CIVIL matter, not a criminal matter. It is not considered a "worthless check" or a "check" in any way. NICE TRY A-HOLES! Number two: You CANNOT be arrested for a CIVIL OFFENSE. Number three: Another name they go by is "White Collar Crime Investigators". The name says it all! AGAIN, IT IS NOT A CRIMINAL OFFENSE TO NOT PAY A DEBT OF ANY KIND. Their lack of knowledge of the FDCPA makes me want to kick them in the teeth! I know EXACTLY where these POS?s are. Below is their address:

Weinberg, Cochran, Coulson and Irwin
6050 Moncrief Road #3
Jacksonville, FL 32209
Owner: Lillie B. Sloan
Actual phone number 904-329-2681

If you look at their listing at www.lookupbook.com, Weinberg etal claim to be in the "medical alarm" business. This in itself shows you how shady these jerks really are. It took a lot of effort to find this info, so PLEASE USE IT!  I now even have the owner's personal phone number and address so my lawyer can have them served properly. They hire scumbags to do their dirty work. Ex-cons, crackheads etc. These people don't know the law so they just do whatever is necessary to get this fake "debt" paid. Probably funding their crack addictions. If they call again, feel free to say these things to them. As you probably know already they are a complete joke. They use illegal tactics to get people to pay for debts that don't exist. They were actually licensed to do collections but their license expired in December 2010. Therefore, what they are doing is a crime punishable by fines and/or jail time. They're all a bunch of C U Next Tuesdays and will be paying for what they've been doing very soon. I am calling the Florida Licensing Board and letting them know that these POS's are operating with an expired license. There is so much I could tell you about these a-holes but it would take too many pages! I have been researching them since January, when I got  my first call from them. They hadn?t called me since January and I thought I?d got rid of them but just last Friday I got a call from some bimbo, ?Elaina Cash?. I was going to let this go earlier in the year; too many people didn?t bother to even answer my posts about them so I figured, WHO CARES? But, they?re back. I should have taken care of it earlier when I first got all this info. Now,  I am going to make these jerks an example for every other low-down scumbag doing this and calling it a "job".  THEY ARE GOING DOWN! and I do not care if they read this cuz there is nothing they can do now! I have proof that they are operating with an expired license and it doesn't matter if they disband now because they have already done it! If you don't believe me, good luck to you and I hope they don't drain your bank accounts! Any doubts to your rights as an AMERICAN citizen regarding debt? Go to www.creditlaw.com and right there on the homepage you will find the basics of the FDCPA listed for your perusal. You'll notice that most of these have been violated by WCCI. DO NOT GIVE THEM ANYTHING!!!!!!!!!!!!!!!!!! THEY ARE THE CRIMINALS, NOT YOU!!!!!

OMG, I can't believe Weinberg Cochran Coulson and Irwin are STILL at it! Can't they stop these d-bags? I know exactly where they're located! I've done so much investigating on these jerks; I have the owner's home address and personal phone number! Do I really have to look in my files on these guys and call her myself? I'm so sick of these people! They've been calling me since January 2010 off and on and NOW THEY'RE TRYING AGAIN?! They KNOW I've got them all figured out. How soon they forget! Stay tuned, cuz when I find the post I put on this site a year ago with all the information you need to scare THEM; I will re-post it and re-post it until they cut the SH!!T! GIVE UP, WCCI, I AM GOING TO MAKE SURE NO ONE EVER ALLOWS YOU TO ROB THEM AGAIN!!!!!
If I have to drive down to Jacksonville Florida myself and come to your office at 6050 Moncrief Road #3 personally to let you know what I think of you and your fellow crackheads trying to rob people to support your crack addicitons, Mrs. Lillie B. Sloan!

I got a phone call from that same number this morning! They threatened to take legal action against me if I did not come up with $386 by 5pm EST. I called the sheriffs office and was told to not worry about it because they are just using scare tactics to get the money. I do owe a pay day loan, but havent heard from anyone since last november (2011) about the matter and have yet to recieve a letter confirming I owe this money.

James W Rowe Is still at it. I received a call saying I owed $785.00 I had to pay by 4pm or Legal action would be taken. I said i didn't have the money so i was told i could pay $200.00 dollars down and $100.00 a month,I said i didn't have it so it went to $100.00 dollars down.Like some of you I thought it sounded a little funny so I Googled the name and here I am WCCI James W Rowe fraud.Thank God I checked,though I did owe for a pay day loan this is from 2007 and I filed for bankrupcy, so I didn't understand why he was calling.I was not living right when i got this money but i have cleaned up my act and have been getting my affairs in order. If I pay i want to know I am paying the people I actually owe.