A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
I call from this number say I owe money from a pay day loan places called riverside and CMG loans they said they were from rapid recovery person was Chris Baker and the #was 215-970-7033 and then on Friday a lady named Tracy perices from the same place rapid recovery and if did not pay I have a warent for my arrest help!!!!!
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
This Chris Baker and Tracy Pierce are co-scammers who go around threatening people who might owe ordinary civil debts with arrest and criminal prosecution. Absolute violation of the federal rules for debt collection. This is just a scam meant to frighten you into paying them something. Warrants are ONLY issued by judges and only issued to duly constituted officers of the law and are only served in criminal cases by duly constituted officers of the law. Being in debt is not a crime and you can't be arrested for it. Debt collectors have no powers of arrest and no influence on any judge or police department in the criminal justice system. Ignore their threats.
The person known as "Chris Baker" is a really bad actor. He (or a person with his name) has a long history of debt scamming on 800notes. He impersonates members of law enforcement by calling himself "Chief" or "detective" or some other such combination. And he constantly threatens people with jail or arrest if they don't immediately pay him money.
Don't take any nonsense from this Chris Baker person. He gives you any guff about non-existent debts of threatens you yell at him and talk over him and tell him that you know he's a scammer. Brute force (metaphorically speaking) is the only thing he and his friends understand!
Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a dime until the debt is validated
Of course, they won't send you a debt validation letter by US mail (E-mail no good) so simply ignore the calls, block them and do not talk to these people. Do not send them any money nor agree to. Do not give them any information.
If they continue to bother you, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.
These people are just a cut above outright extortionists.
Mike Baker the Chief Operations Officer called and said that two of my Adult Daughters owed his firm a debt, and they or their representatives need to contact him immediately.
Note previous entries. Don't return the call, don't talk to them. Block the calls. Total scam If you do, you'll get all sorts of abuse as well as threats of jail or arrest or some other such scam-talk. Tell your daughters not to answer the calls either and to hang up and block the calls if they call.
If someone does talk to them, demand a debt validation letter by US mail. (E-mail no good). Of course they won't do this, so just ignore 'em and block the calls.