Just block their calls and ignore them. I believe in following the law, but if someone attempted to scare me about putting MY kids in foster care in order to collect a debt, I'd seriously consider drastic measures.
Just report them as I said in my earlier post.
If they continue to bother you, and you KNOW you do not owe any money, go to the local police, explain the situation to them and see if you can make a report of attempted extortion.
Same thing just called right SSN but wrong dob I was going have a warrant about a payday loan I said what pYday loan she named look 10 companies it could be on it was wired to a bank I hadn't had since 2009and she said it was in 2014 unlikely story
TH, Sept. 24, 2015 12:51 PM, I received a call that Caller ID identified as: "NFI and Associa 360-200-6866") A recording said, "We have a case pending against you. Press 1 to be connected to an Investigator," so I pressed 1 and a black man came on the line asking for my number. I was reluctant to give it because I was suspicious and kept asking who was calling. He kept saying he needed the number he had called. Finally he said the company is Kramer Phillips Associates, a nationwide company, and his name was Christopher Williams. I asked where Kramer Phillips is located, but he did not tell me. He kept saying, "May I have your phone number that I'm calling, We're on a recorded line. He referred to an "Affidavit that is coming across our desk. I'm new at the system, I have to have you recorded, but I have to have your number."
Finally, I gave my number and he said, "I'm calling from an Investigations Office, I will transfer you to my supervisor and she will explain to you fully what we are speaking on. We are calling about a malicious intent to pass worthless checks."
Then a black woman came on the line who identified herself only as "Tracy in Litigation". She stated my grandson's name and said, "We are going to sign an arrest warrant for your grandson. There are three felony charges at ... [& she NAMED my grandson's bank.] "He got some direct cash loan, and never paid it back. They tried to email him and they feel that they have been defrauded. They signed correspondence and sent it to his email at that time. What happened is they signed it over to us and he owes One Thousand Seven Hundred Twenty-Seven Dollars and 19 cents, including interest, late fees and attorney fees."
I asked her to itemize the fees but she refused. She asked why he didn't take the call and I said he's in an institution. She said, "Oh, he's already incarcerated! Well, since he's incarcerated, if you are willing to help him out on this case, I can get you an out-of- court settlement and waive some of the fees."
I asked her to state the amounts of the fees, but she would not. I asked if they were a collection agency. She laughed and said, "I would never work for a collection agency. We are a law firm. What happened is: considering if he is already incarcerated, we will give him 3 felony charges against him: the check theft by deception."
I asked her for the check amount written and amounts of interest, late fees, attorney fees, and she said, "I told you direct cash loans. He used that information, he knew he didn't have the funds."
I asked her the date of the check, the payee, to whom the check was payable, and the amount. She would not tell me. She said, "I'm just reading the information. We don't keep Affidavits. You sound like you are typing everything I say."
I said, "I am, and I want the amount of the check, who it was written to and for what?"
She said, "No, I cannot do that. Now he's going to have more charges added against him."
I said, I'm looking up his lawyer's number so you can call him.
She said, "No, I'm not going to call his attorney. I'm going to call the State. Okay, now your grandson is going to get more charges put on him! Okay? So are you going to help us with this or not? You have to pay this today!"
But she refused to tell me the facts and figures, and refused to email me anything.
kramer, phillips, and associates is a total scam .. they intimidated, harasssed and threatened me out of 126 dollars till I decided to investigate. The cops took record as did my bank for fraud..don't want to see anyone else go through this
Absolute scam. Only local judges issue warrants and they are only issued to duly constituted members of law enforcement and are only served by duly constituted law enforcement agents. They are only used in criminal cases and are always served in hand. Debt collectors cannot get warrants and they certainly cannot issue them. Passing worthless checks is a crime and is handled by law enforcement. Debt collectors have nothing to do with bad check cases. If someone was being investigated for such a crime they would be interviewed by members of law enforcement. Debt collectors have nothing to do with criminal cases and have no influence on law enforcement. Block these calls and ignore them.
Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a DIME until the debt is validated.
Of course they won’t do this, no scammer ever will, so simply block their calls and ignore them.
If they are bothering you,
Report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening criminal prosecution to collect a civil debt is a clear violation of the Federal Fair Debt Collection Act)
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. You might have to yell at the scammer and talk over him or her. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them .
Last known address:
Kramer and Associates
401 Hackensack Ave.,
9th Floor Hackensack,
NJ 07601