I got a call last month that said that they were a law firm in NY my lawyer has me keeping phone records this month they are a credit bureau from LA ask them their name, address, name of business ect it's a scam i'm going to sue themfor harrassment, fraudulent, and everything else under the sun
Same thing and now I have to stop a BIG payment from coming out of my account by tomorrow! I need to know how to report them to the FBI and get this crap stopped. They have been calling me at work and at home harrassing me and they also called from this number 949-201-4081. Let's get this stopped.
Read all about debt collection rules here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm which states if a collector threatens court action, he *must* go through with it and the threat is illegal if he doesn't go through with it.
"Debt collectors also are prohibited from saying that:
* you will be arrested if you don’t pay your debt;
* they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
* legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action."
The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *requires* debt collectors to give debtors *written* notice of debt on pages 11 and 12.
"§ 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."
If you've debt in collections, be aware that it never goes away. It gets sold on to other collectors who'll try to collect on it. If any can get a court judgment against you, you will end up paying the debt, perhaps with garnished wages (if the debt's real). The debt will keep growing from accruing interest, penalties and collection costs though what can be legally charged varies from state to state. You have the additional burden of deciding if any collection call is real or a scam and do deal with either accordingly - a very uncomfortable position to be in.
If you've no debt in collections, then it's a scam and should be reported to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG. Buy a whistle or air horn and blow their ears off, God will forgive.
They called me and advised that I owe money and that I have criminal changes against me. They claim to have been working w/ Cash Advance and this is the number I was given 949-201-4081.
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