Who called from 3477081667

I received the same email.  They are going to "email" me documentation.

I received this via email today.  How do I get them to stop???  I called the number and they wanted more information from me which I did not give.  I demanded they email me the documentation proving I took out that loan.  I will probably never receive anything.

Dear Customer,

As you are aware, you have a small pay day loan bill of $986.45 that remains unpaid. We feel we have done everything possible within reason to collect the money you owe us. We have decided that unless you make immediate plans to repay us this money, we will write this debt off our books and claim it as “bad debt loss” to the IRS.

Did you know that any money you owe us and don’t pay should legally be declared as “additional income” for you or your business during the year in which you incurred the debt?

If we decide to write off this debt, we will use IRS form 1099-A which will show the IRS that the $986.45 became income for you and bad debt for Advance Cash America.

You can avoid the unnecessary actions by immediately getting in touch with us either through e-mail or through phone. For any queries feel free to e-mail us back. We will be handling this matter over with you and will be providing you some pay off or Settlement options if available.

Thank You,
Advance Cash America
(347)-708  1667

Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill?

Your first problem is the E mail.  they are required to send the documentation automatically through the mail, at which time you then request them to validate the debt (in writing sent by certified, return receipt mail) proving that you owe it and that they have the right to collect it.  the threat of the 1099C is counter productive for them for two reasons.  First, they would have to divulge who they are and where they are located to the IRS, assuming that they have the right to send in a 1099C.  Second, it then becomes income on which you pay tax, nothing more, probably 15% or less unless you would be in a real high tax bracket.  Also, at that point it becomes totally uncollectable by anyone.

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

received same email, except my came from Jerome Wilson <[email protected]>

Dear Customer,

You're behind on Bills

You have bill collectors hounding you, you can at least rest easy that the IRS won’t hand your check over to most creditors as garnishment, however we have asked IRS to hold on to your Tax Return for the moment, unless you clear the two outstanding bills that are going to judgment.

You can avoid the unnecessary actions by immediately getting in touch with us either through e-mail or through phone.
You are requested to contact between 09:00 AM to 05:00 PM (EST) for clarifications, on (347) 708 1667 or E-mail us back on this same email address.

Advance Cash America
(347)- 708 1667

This is email I got. Is this for real?
Dear Customer,

We regret to inform you that due to your unpaid debt amount of $1086.85 (full debt amount, additional charges and interest cost) to Advance Cash America, from today, January 13th 2016 we have passed your case to court.

You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense.

If you wish to settle the outstanding amount, please do not hesitate to contact us either through e-mail or phone.

Our officers can be reached at the following number to provide all possible assistance to you.
Helpline number: (347) -708 1667, Timing: 9:30 AM to 6:30 PM EST, Monday to Friday.

Assuring you of our best service at all times.

Warm regards,

Manager

Advance Cash America

(347)-708 1667