Claimed he was an investigator; claiming to be investigating a payday loan that did not get paid off. When I told him the debt was discharged in BK, he wanted my attorney information. I informed him any information he wanted from me, he had to request in writing, also said that since he was breaking FDCPA laws, I wanted everything in writing so I could obtain $1,000 per violation. He got mad, threatened to subpoena me, and hung up.
Good work. For a debt collector to try and collect debts discharged by bankruptcy is illegal. Which tells us that you were called by a foreign 3rd world criminal extortionist. Send you a subpoena? All the way from Mumbai? Think of the postage costs. Do dabbawala's make that much? Let me take a look at the tiffin menu again.
A man named Steven Brown called my place of employment stating he had a warrant for my arrest regarding a fraud case. I asked him not to call me at work however he stated that if I did not speak to him I would be arrested. I hung up the phone and am issuing this complaint
No one gets arrested for owing someone money in thisw country unless you have ignored court ordered fines or support.
Read the following and make the complaint at the proper places which are provided for you at the end.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php