At best it would be small claims court. And I would welcome a court date. It would be better than just giving my money away. Also something else I find quite strange. Any other law firm etc supplies their address and phone # on their web site. So strange that I cannot seem to locate anything on these people
Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for it, the FDCPA requires it), treat the collector like you would any SCAMMER. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report 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, as appropriate.
I'm guessing this is one of the individuals from the same company that is placing the calls. What transpires is this:
You apply for a payday loan
The site you apply for a loan distributes your information to multiple sites that "handle" payday loans
One of these sites holds your information for a period of time, then begins to call you and states that you owe them money. Most of the individuals have Indian accents. As a note, they will have some of your personal information as you provided it during the payday "application" process, so don't be fooled into thinking that because they have information, they're legitimate.
If you try and argue, they just get aggressive. Your best bet is to contact your local Attorney General as well as the FBI. They are calling in an attempt to commit Fraud, since this call is across state lines, this is a federal offense... Don't let them scare you in to giving them any more information than they already have.
This guy frm this number has called me over 15 times today saying he is from FBIC and that I owe a payday loan to Advance America, Which I never heard of. So now I am trying to find out if this a scam or if someone has stolen my information. I have argued this man over and over telling him I do not owe them any money, he told me I was going to go to jail and they were charging me with three felonies--He used cuss words when he talked to my husband & does not speak english very well. If anyone else heard of this please contact me and let me know omcourtemanche at aol dot com.
Thanks
Olivia