got a call from 4042487486 and told that they was calling to let me know that civil suit was being filed against me. when i asked for more info they told me that they had none that they was on the notifier. I tried to call back and a recording came saying that the magic jack customer mail box was full please call back later. I just want to know if this is a scam
I just received a call from the same #, saying they had a lawsuit pending for my relative. I asked how did they get my number and he said i was put down as a reference. I asked a reference for what. Who or what company did she put me down as a reference for and the guy couldn't tell me. He left a phone number 844-332-1185 and a case#... said he was calling from a call center called "Advance Locating Service", to locate my relative.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
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