The person stated that I owed a debt. A warrant was going to be issued , and I was going to be charged with 2 felonies. They had an old address, last four digits of my SSN, my dad's cell number.
Real legal servers do not call before they deliver papers, they just show up. And its illegal to impersonate a officer. You can not be arrested for owing a debt, its a civil matter!
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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For Extortion Scam Operations file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
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A Collection Agent May Not…
Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:
Misrepresent Him or Herself
A debt collector may not misrepresent himself as an attorney or law enforcement officer.
Use the Telephone to Annoy or Harass
A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.
Threaten Arrest or Lawsuit
A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.
Use Abusive or Threatening Language
A debt collector may no use abusive or profane language in the course of communication related to the debt.
Publish a Bad Debt List
Publishing the consumer’s name or address on a "bad debt" list is prohibited.
Contact By Embarrassing Media
A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.
Contact a Consumer at Work
A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
Seek Unjustifiable Amounts
A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.
Contact a Consumer Represented by an Attorney
A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.
Communicate With a Consumer After Receiving a Validation Request
If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.
Communicate With Third Parties
A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.
Bills.com FDCPA FAQ
Below are questions Bills.com readers ask frequently:
Can a Collection Agent Call My Cell Phone?
Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.
I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?
No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.
A Collector Says I Will Be Arrested if I Do Not Pay
This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
You're being scammed by a fraud. He's using the same old lines of BS that we see here daily. If you take another of his calls, demand a notice of validation be mailed to you. NOT e-mail or fax. As per federal regulations under the FDCPA. He'll become highly agitated & will start with all the usual bluff & bluster. At this point you laugh at him. Tell him his scam is getting so old it's growing mold. Tell him that the entire country has caught on to his infantile attempt to defraud people of money. Let him know that your friends, family, co-workers & your employer are all aware of his kinds desperation for other peoples money.
You can log & record his calls and VMs. Then turn them over to a consumer attorney. They can be found working on contingency...no money up front. Or you can simply file a complaint to the FTC & your states Atty. Generals office. Neither will do a lot of good. The fraud is, most likely, foreign. If he has an accent, that is probably the case. The foreign frauds consider themselves safe outside of U.S. jurisdiction. They're nothing but a nuisance. Hang up, ignore them, block their calls. If no accent can be detected the fraud may be domestic. These shysters are still in operation nationwide. They are invariably minimum wage flunkies scamming money for better frauds than they are. They dream of becoming wealthy one day from the meager commissions they may receive for being successful bottom-feeders. They are beneath contempt. Fraudulent debt collection outfits can sued. But they have to be found first. It can be done, but it's not always easy. It's rarely worth the time or effort. The weasels will change their names & locations more often than their underwear. Their assets will consist of the clothes on their backs. Which were probably obtained at the Goodwill store. Some of the larger collection firms will still use unlawful tactics. They depend on their budget attorneys to delay the inevitable while handling the dispersion of small settlements to the small (but growing) number of plaintiffs who will pursue them. The savvy plaintiff will have a sharp attorney & will lodge larger and more meaningful lawsuits. For them the fraudulent debt collectors attorneys will delay, delay, delay hoping to wear the opponent down. They will also count on the hundreds of cases on the docket against them to deter the opposition. If push comes to shove, the owners will dive for cover behind their LLCs and will "sell" their company to a new entity. Thus, the games go on.
Know your rights as a consumer under the FDCPA. It's easy, just Google it. Never be intimidated by a fraudulent debt collector. Always remember that you are a far, far better person than the fraud on the other end of the phone.
Live Well.
Gunnar