This is a "Zombie" Debit Colletctor that buys up out dated expired and uncollected debts and than calls making threats to scare you into compliance.
First off just because a debit has passed its "Zero Date"; that is the collectable date (7 years in most states 10 years in others) dont mean your free and clear. If it is a valid debt you still owe the money but after the zero date they can not take legal action against you to collect.
To make money off the debt they sell your information; useally included on a spread sheet with hundreds of names, numbers and addresses and start calling people claiming they have a warrant; or you will be arrested; or they wil attach your pay; garnish youre wages; or take your property. To make these; or any other threats is a violation of the Fair Debt Pratices and Collections Act and they become sueable once they violate the FDPCA.
Know that they can NOT do any of these things with out a court order and as the zero date has passed they cant take you to court.... UNLESS...
They scare you inot admitting the debt is yours; or getting you to give them so much as a penny; or agree to a payment plan. Once you do this they can legally re-age youre account and place you in to collections plus sue you for the full amount plus interest going back to day one. This is years of interest and can add up to thousands of dollars.
Never admit to any debt; tell them you have no knowledge of the debt; demand they send you certified copies of the original application with your actual signature upon it, also tell them to stop calling you and only communicate with you via US Mail.
This does a few things; if they call again you now have cause to sue for harrasment; they will know you know your laws and 9 out of 10 times they will go on to the next number on their list as they dont have the original documents and therefore can not provide copies upon demand as required by law. After all the only thing htey have is a list of names and phone numbers.
Anytime they call write down the exact date, time, their number, the persons name you spoke to and exactly what was said. Also if it is permissable in your state record the conversation; in most states only one party needs to be aware the conversation is being recorded and since you are a party to the conversation and doing the recording it is legal and admissible in court when you decide to sue them for violationg youre rights; violating the FDCPA and harrasment. And if you do things right you WILL win in court if they are calling about a zombie debt.
I learned all this after becoming a victim of ID Theft while stationed over seas; I got back to the states after 3 years to learn someone had a field day with my information nearly the entire time I was gone. I started getting harrased by Zombie Debt Collectors so bad I started to sue and won each and every time because I documented everything they said or did.
Beforewarned there is no Debtors Prison and you will not be jailed for oweing a debit unless its to a casino in Las Vegas Nevada or the debt is back child support. Some of these collections hire bounty hunters; or criminals to come to youre property dressed like detectives complete with fake badges; guns and handcuffs. Never let them into your home and call the police imeadately to report an attempted armed robbery as that is what this is. They have tresspassed upon your property; are armed and demanding money!
they called me telling me that my husband is going to be arrested for a loan not paid that we never got for one cause he is millitary and cant do so, and i am pregnant and he kept yelling at me saying he is an officer and it will happen on monday morning as it is now friday
Received a voice mail that I had till 12 am to call them back and pay this company money or I would be arrested tomorrow am, no info can be given on what company or where money is owed in writing just say not time for that !!
This number called me twice today. The first time leaving the similar message as others have been receiving. I'm 20 years old. Never taken out a loan. Know the law very well. First thing, this foreign d-bag wasn't even calling me by my correct name. Second, when I asked to speak to his supervisor he told me no, and after I said why he then said he was the supervisor. Weird, huh? Third, when I asked this "officer" what his badge number was, he told me 1234. Lastly, he told me the local sheriff would be at my address to arrest me in the morning, but considering the address he had was my deceased aunts house, that seems unlikely.
Just received a call from this number, his name was James Smith (sure) he is from the Middle East or India.
Advised me I would be arrested at work within the next 2 - 3 days. Told me I committed fraud, had money wired into my account then with drew it when the company tried to get their money. He was very mean, angry, and rude. Mr. Smith told me I was not to interrupt him and wait until he was finished before I would ask questions. His final question to me was "What do I want to do about my problem" I calmly advised him "Well, I have just recorded this conversation and you are a fraud, he said something to me in Arabic then hung up on me. I called back and asked which country I was calling and they hung up on me.