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I just got same calls today and I continue to get them i always do a reverse check on the number but of course it's a bill collector I just want to know how they get your numberthe call is Showing from Rhode Island New York never been but would love to go...401-223-3258....scammers
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22
Descriptions in this thread are of extortion dressed as debt collection. Consumer debts in America, including payday loans, are a *CIVIL* matter, not criminal! Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of bullying remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.

My notes from October 2011 on payday loan and "hot check" collectors are linked below.

Fake payday loan collection scams
http://800notes.com/forum/ta-429fb24ec2162e3/ ... -numbers-here-2

See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

The following will be useful if you have a US domestic collector calling, and will in general help you sniff out the frauds:

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
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