call from this number last night threatening to file a warrant if I did not call back. I am in the process of buying a home and have a clear credit history. They did not tell me who they were calling from either
THIS NUMBER 254-791-5053 CALL ME ON THE BEHALF OF PAYDAY LOAN I BORROW I WOULD NOT ANSWER THEY CALL THEN I RECEIVE A LETTER FROM MY HR DEPARTMENT AT WORK FOR WAGE GARNISHMENT.....SMH
No one here is saying people shouldn't pay back money they legitimately borrowed. However, the poster you replied to is commenting on the illegal tactics of this "agency" / scammers.
Debt collectors cannot "serve" you warrants or court summons, and it's illegal for them to tell you they can/will do so. They make it sound scary because they want people's money and don't want them asking questions before they get it.
Posters: always get debt validation MAILED (not faxed, not e-mailed, not read to you over the phone, it must be MAILED!!) to you, don't just pay someone because they harass you.
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
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.