B***s*** person called the my office with an outstanding loan.  No knowledge of this company, nor do I do payday loans.  Totally bogus

I Have never taken out a payday loan but they keep on calling me.

Should i be worried? I dont want them trying to scam me.

All I can say is if you live in New York State, they cannot touch you!  You can take out payday loans and never pay them back and they CAN NOT TOUCH you!    These loans are illegal in NYS so if a payday lender is giving money to NY residents then the lenders are screwed.   The Attorney General and the Department of Financial Services are kicking everyone's butt out there.   Also, YOU cannot be thrown in Jail for a financial debt... if you get a call, just make sure that your checking account is closed so they can't withdraw money... because they will!   Red Leaf Lending, Efinance, TRS all in the same bed together...

I got a threatened call said I owe a loan said if I didn't pay they was sending a law officer to come pick me up an I would have to sit in jail til I pay it all out in full....than he was very rude to me.I ask for the supervisor he said I couldn't talk to one just pay up..than he call me frm a long distance number than they start switching the number up call-in me frm diffent numbers.....

I actually got the call from 281-653-0033, but the 855 number is the number they left for me to call back.  I am in a rough financial situation right now but I definitely don't owe any payday loans.  They just left a message saying for myself, my wife, or my attorney to call them back and gave me a reference number.  They called yesterday once and called 3 times in a row this morning.  They said they were B A V Solutions.  I use Youmail, so I ditched that number and also set it to where it says the number is disconnected.

Be aware   they are rude didn't like to hear this ......................They attempt to collect PAYDAY loans that have been dumped on them .. MOST are illegal because the loan company was not properly licensed which in most states.... Make sure that's not the case .. Most are not obtaining proper licensing. Check your state Financial intuitions Web SIte.

I get calls from them weekly..it is a scam.  Tell them that you are recording every message to submit to your lawyers.  They stop calling then.

I need to know more information about this company.  I know they are affilliated with Total Account Solutions; depending ont he location.

Do they have a valid business license to operate?

I am going through the exact same thing. I took out a 500 loan and now they are asking for 1500.00. I already paid more than what I took out. I already filed a complaint with two governemnt agencies. I hope this works.

I took out some payday loans over the summer and paid nearly all but one back and this number keeps calling me at work I answered and told the woman on the other end that I'm on the do not disturb list and she replied THERE IS NO DO NOT DISTURB LIST and then I told her she was a criminal and hung up on her.

Number called me for a loan with Bottom Dollar Payday.  Yes i pulled the loan out.  defaulted on one payment then stopped paying them.   Come to find out BDP is lending and operating illegally in CA and i am not required to pay them anything but the principle.  I have paid all but 70 back to them and this company is trying to get me for 1180 bucks.   Spoke to them yesterday, advised them that thier "client" was operating illegally and that they can not technically collect on a debt that was made illegally.  I humored their aggressive tone and when she told me i had a moral obligation to pay them, i laughed and asked them if the bankers and wall street acted morally when our housing market crashed, and she didnt have an answer.  I then told her that i wasnt bound by subjective moral law, but by the laws of my state of residence and that she should look up the laws if she is taking on cases of illegally made loans to collect on.      Havent heard back since..  

Why embarrassing?  That's what they hope for.   Once you make your supervisors aware of the situation,  the ball is in their corner to put a stop to it.  I own a printing company with 37 employees.  We have had several such instances where an employee was being harassed by those scum hoping to embarrass them and put pressure on them in order to extort money.  We handle the situations and allow no access to our employees nor do we accept their threats or even their calls.  Their hope is to embarrass people,  and we simply let them know that it isn't going to happen with us.

This person called my job and spoke with my supervisor . I mean how embarrassing but I say to you prick, take me to court Jeff Jackson

this bi*** essence from tsr recovery is calling my house and she will not properly identify herself this keeps up calling the cops

I picture you as the illegitimate offspring of Uncle Billy.  Intelligence is obviously not your strong point.

You are "yelling" at a post made over two years ago.  The original poster said what was on their mind and moved on, they are not going to read your rants.  You probably yell at the wind when it musses your hair, and get similar results.  It does not change a thing, and nobody really cares.

You might be a shill, but I don't think you are nearly smart enough.

A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

Where's your proof?  

Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(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."

Prove it!  Got proof? Nope, didn't think so shill..

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.

consumer u mean user dude they if u owe someone money they have a right to try to get it back dead beat

PAY UR BILLS LOL DEAD BEAT hope u lose ur job becuase u sure dont care about anyone elses

[This post has been removed]

These people call me from their 855 number as well as their 702-800-8925. Before that it was 702-570-4085. All of these numbers are from "Total Recover Solutions". I have spoken to 2 people so far, maybe 3. They claim they are debt collectors for MyQuikFunds. Did I get a loan from them? Yes, 3-4 years ago! Why are they just now contacting me? Yet I found it weird they stated I got the loan in January of this year which can't be true because I filed taxes during that time and I get back quite a bit of money so knowing that why in the world would I put my self in more debt? I've gotten burned before thinking a company was legit so I'm not trying to go down that road again.

It's SAIC (under contract from DHS/NSA/FBI) to handle investigations.

It is permitted by federal laws to call an employer.  If you (consumer) requests to be contacted at your employer's number, a collector is advised no personal calls, or a gatekeeper, boss, or HR member says do not call here again then by federal the agency is required to no longer call the employer and must take out of the system as well as the dialer system.  Sometimes it can take 24 hours to be removed from the system and you may receive further calls.  If the calls continue to persist after the 24 hour period, contact the BBB and your attorney general for harassment.  A cease and desist may need to be put in order as well.  Anymore questions feel free to contact me.  I listed my personal email in a previous reply.  This is a real company and if there is an account tied to your SSN then we are to believe that it's true.  In my times as a collector and especially in online payday loans, I have noticed and dealt with numerous fraud cases.  It's scary, but its so easy for your information to be found and used for identity theft.  If you believe that a debt is fraud, get all of the information from the collector (amount owed, when was taken out, the lender's name, collection agency's name, account number, and collector's name) and file a police report.  Then fax the police report to the collection agency.  They will conduct a investigation.  When these online loans are taken out, an e-signature is given to confirm the agreement of the loan and when the e signature is provided it also captures the IP address.  The IP address can literally trace it back to the exact computer where the loan process had been made on.  This what they use to determine fraud and identity theft.  Often times it's someone you know that can easily get your information.

It is true that they are unable to provide you with these documents.  It's not their fault though.  When the accounts are given to their office, the original lender only provides E-Finance/TRS limited information.  When they get your account we don't even know what you have payed towards your principal.  There is no breakdown.  I had trouble trying to explain this to consumers when I worked there with the management providing no help in giving me an explanation to tell the consumers.  All that is provided is your personal information, the name of the lender, your total amount, month/year the loan was taken out, and the date it entered collections.  We were told to inform consumers to contact the original lender through their website.  Which we couldn't provide consumers either because we didn't have a list of the websites or phone numbers for the lenders.  I would usually google the orginal lender and inform them of the information that I found on google...until I got in trouble for this.

Per the company's rule, collectors are not allowed to leave voicemails unless they have had direct contact with you and you have verbally given them permission to leave voicemails.  They implemented this rule because one they are apparently too stupid to make a proper script within FDCPA guidelines for collectors to leave voicemails.  Collectors were leaving voicemails that violated the FDCPA and in result E-Finance/TRS had multiple lawsuits against them.  So, in their disillusioned minds they decided to eliminate voicemails instead of producing a proper script to avoid further lawsuits against them.  I find problems with this method they decided to take because they are hurting their own business by NOT leaving voicemails.  I know I personally don't answer unknown or unfamiliar numbers.  I also don't call back numbers unless they leave me a voicemail.  Another problem I find with this is that it could be potentially considered harassment per FDCPA regulations and could be a borderline violation of these federal laws.  It's honestly due to the lack of management skills the management team lacks.  The company is poorly ran.  I am not sure how they have managed to stay in business as long as they have.

Unfortunately, this does not apply to online payday loans.  No worries though.  Federal government is looking into these online payday loans and are determining new laws and regulations for them.  By the way, as a former employee there, it is against the FEDERAL LAW for them to threaten you with garnishing wages, employee verification, or judgement.  Why?  The explanation to that question is - for one - there is not an on staff attorney that is employed there and two E-Finance/TRS (basically they are both the same company and are both in the same building.  TRS is partitioned off in their own little section by some six foot cubicle partitions.)  do not send any debts to attorneys.  E-Finance is basically the "first party collections" then TRS is "third party collections."  If it goes through the third-party and is not collected on, then it is sold to another collection agency and is out of their hands or it is "recalled" and sent back to the lender for them to decide whatever further action is to take place and is out of the E-Finance/TRS company hands.  I hope you still have that email and show it to your attorney and the NY Consumer Finance Division.  That is ultimately damning evidence and completely ignorant on E-Finance/TRS' part.  You have a lawsuit right there.  That is illegal and directly a violation of federal law per the FDCPA.  I posted a big long comment below regarding what goes on in this particular company.  If you are interested.  If you have any more questions, I will gladly answer them for you.  My email is scrubsalicious789@sbcglobal.net This company is constantly violating the FDCPA.  I have witnessed it first hand.  I have no idea why no one has stopped them or done anything.  I wish you luck in your meeting and hope you can get this resolved.  Sorry, these bad collectors have done you wrong and not all of us are law breakers and are really good collectors.  :/

I used to work at TRS.  They are very unorganized and do not follow the FDCPA.  I have been doing collections for years and the things I heard other collectors say included threats, accusatory tones, belittles/humiliates consumers, as well as profanity on rare occasions etc...basically consumer abuse.  No disciplinary action would ever come to the abusive collectors because management there doesn't care and partakes in it as well.  I wouldn't say that all of these calls are a scam.  They obviously have ALL of your information either you took out an online loan years ago/looked into it and accidentally took it out/thought you had cancelled it before funds were in your account (they won't let you through they go right on ahead and deposit it)/or just plain fraud (often done by someone close to you that would know all of your information.)  There are companies out there claiming to be Total Recovery Solutions but are scams.  If they have a foreign accent then it IS a scam.  Their numbers should show up as an (855) number but I do know they have some kind of program on their dialer to make it look like a local number in your area.  (Not sure if this is a legal action or not.  I will have to look up in the FDCPA, but I don't agree with it and personally I would define that as misleading a consumer)  All of their employees are American.  So, remember accent = scam 100% when it comes to TRS.

I have been doing collections for years and when I started working there I was shocked at how the collectors were treating consumers.  I have heard collectors say things like "I am going to call your employer for employee verification.," "Your wages are going to be garnished.," "I have contacted/will contact your HR of your employer."  I have not heard jail threats but I wouldn't doubt it.  These are all considered harassment and abuse towards a consumer and are illegal under the federal laws stated in the FDCPA.  

I have been a collector for years, even before laws became more strict, and I don't agree in this type of an approach to collections.  I have never treated a consumer in any negative way.  Even if I am being cussed at or receiving death threats or some negative language from a consumer.  If you treat a consumer bad back, where does that get you???  No where!  I am FDCPA certified and have been for years and it disgusts me that agencies are not implementing the federal laws and abuse, mislead, and harass consumers.  There are good collectors out there, but like in any profession there are bad ones out there too.  You hear more about the bad ones obviously more than good.  Media also betrays and stereotypes collectors to be these awful people but that's just not true.  It sucks that those certain collectors have a bad name out there for us good collectors.  As a consumer myself, I have had to deal with collection agencies and have been in debt before in the past.  I wouldn't want to be treated like that because being in debt is already stressful and embarrassing enough.  Being threatened makes you feel more hopeless, uncomfortable, upset, and stressed.  I have always been courteous, understanding, and will go the extra mile to help people get their debts resolved. That's how I believe ALL collectors should be.  If I hear claims of being treated crappy from TRS, I believe you.  

I quit my employment there awhile ago for multiple reasons such as: I did not like the way they conducted business there, treated our consumers, and they also didn't treat us employees right. I am not the type of person to just stand there and take crap from people.  As with most call centers, (especially in collections) work abuse and hostile work environments are often inflicted upon employees.  You are just a number there.  I have quit all collections and am now pursuing in finishing my degree.  

I am sorry to those who have experienced issues with this company and know and worked with many the employees names that you have mentioned in above comments.  KNOW YOUR RIGHTS!  Google the FDCPA and be familiar with the laws.  They are in place to protect YOU (consumers!)  If you continue to have issues with this company or any other collection agency, contact your attorney general and better business bureau.  Don't let these people get away with treating you like you are lesser than them!  

I will say that you should pay back your debts the best you can. It may seem that you just lost money, but in reality and in the big picture you are not.  These loan companies are borrowing money from banks. (By the way, what caused this recession and outrageous inflation was banks giving out loans haphazardly and loans not getting paid back.  This caused banks to go under because there was money leaving banking institutions but not coming back in. We had to "bail out" numerous banks) When you pay back your debts it puts money back into the banks and the economy as well.  Getting money recirculating through the economy results in inflation going down.  I used to make a joke to fellow collector's that collector's were the messiahs of capitalism.  (No offense to anyone)  You have to think of the big picture though.

My personal advice to consumers is don't take out online payday loans. They are more intended for consumers who need money to pay for something, for example like rent is due on the first of the month but you don't get paid till the fourth. You need the money now and then you can pay the online lender back on your next payday.  It's not intended to survive on or be a long term loan.  It will end up costing you more if you are trying to survive off of it and make into a long process.  In the online payday loans at this company, per the contracts, you are required to pay back the entire loan and fees on your next paycheck.  It is also not something that comes automatically out like you would think either.  You literally have to call them and tell them, "Hey my pay day is on the fourth and go ahead and take it out on that date."  If you fail to do so, then they start charging you "renewal fees" that are out of this world.  I believe it's  $30.00 per $100 borrowed.  So, if you took out a $500 loan and failed to pay the loan back on your next pay date, then they literally start charging you $150 EVERY TWO weeks.  Insane!  I know once it enters Total Recovery Solutions, (third party collections) the renewal fees are stopped and whatever the balance is when it entered TRS stays the same for the life of the loan with this company.  Not paying they send to another collection agency and we were always told to inform consumers that this third party agency DID start charging interest or fees.  Whether this is true or not I do not know.  Another way TRS makes their money is by charging a "process fee" of $20.00 per payment.  (If you had 8 payments, you will be paying an extra $160.00 on top of the original loan AND accrued renewal fees)  They do not waive any fees because in when you sign the contract, in the fine print it says that you agree to pay for any accrued interest, collection fees, and, if the time comes in another collection agency that is not TRS, attorney or legal fees. No worries, TRS does not pass any kind of judgement on debts on and never takes them to court.  So, if they are threatening that is going to happen to you then they are violating the FDCPA.   Good news, if they do not inform you that a processing fee is taken out on each payment, their busted because that is so illegal.  If they fail to inform you, then that would be considered misleading because the consumer thinks that their whole entire $50.00 payment is going towards the principal, but really only $30.00 is being applied to the principal.  So, I don't agree with how these types of loans are done. A collection agency I used to work with (not TRS) had a federal investigation done and was just shut down by the federal government for basically "modern day loan-sharking."  Now there are 3000+ workers out of a job because of two greedy, con-artist brothers. (This CEO's were seriously doing some bad, fraudulent stuff and were the only ones benefiting off of it.  They were living excessive six figure lifestyles.  Makes me sick! D:)  

Like I had stated earlier, YOU have all of the rights, and if you are being threatened or feel like you are being harassed or abused, don't sit there and take it.  They are doing something illegal!  Not you!  Stand up and complain to the better business bureau and your attorney general.  If it's happening to you, then you are most likely not the only one!!!  Educate yourself and become familiar with the FDCPA!  

Hope this helps you guys out, gives you the REAL picture and insight of what's going on with this particular company, and I hope and pray everyone who is struggling financially gets back on their feet again!!!

Cheers!

Here is the address I received on an email from them.

TOTAL RECOVERY SOLUTIONS LLC.

P.O. BOX 14766

LENEXA, KS. 66285

855-868-2577

Answer it once and act crazy just keep babbling. Or tell them that, you are requesting that stop harassing you which is your right under the law. If they don't, or even if they do use the address in Kansas City MO that others have provided and request they cease. You can find examples of letters online, but and it certified, return receipt.