Received a call from a number that was identified as being from Algona, IA (515-200-7237)in the message, she identified herself as Ashley MacPherson of Barron and Stone Mediation. The message states there is a pending case against me and that I or my attorney need to return the call and gave me this Pittsburgh, PA number as the number to call them back on. Total scam!
Criminals masquerading as debt collectors attempt to extort money from people by scaring you into believing that you will be criminally charged (they use the bad check or hot check claim a lot) and go to jail, lose your driver’s license, have wages garnished without actually being sued or going to court, 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 family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They will use the words “Mediator”, “Arbitrator”, or “Law Office” to make you believe that they are something other than a debt collector want-a-be and that they don’t have to follow Federal and State collection laws. They do have to follow those laws, but they won’t. They mention that they have received a Fax document, to create the sense of urgency. They also tell you that if you fail to call them back you are "waiving your right to council", which is pretty much nothing but hogwash. They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer). Process servers do not ever call ahead so that you can dodge them. Process servers get paid to serve papers, nothing else.
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 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://800notes.com/faq/attorney-general
Keer recieving calls from the number 412-213-5213 shows up the name caller as S Griffin THE MESSAGE SAYS THERES A PROBLEM WITH YOU NAME AND CONNECTED TO YOUR SOCIAL PLEASE PRESS ONE TO SPEAK TO A MEADEATOR WHO CAN BETTER ASSIT YOU SO TIRED OF THESE CALLSOVER AND OVER AGAIN
Multiple calls daily for the past 2 weeks. Ashley McPherson with Barron & Stone Mediation Group- Pending Case in our office. "Contact us or have your attorney contact us otherwise you waive your right to counsel"... Not how the legal system works folks. Please don't pay these scam artists a dime! My advice is to pay your debts, but ONLY pay the original creditor. Refuse to ever work with collection agencies because it is your right to do so, and if the scumbag real collection companies go out of business it will force the scam ones (like this caller obviously is) to follow suit.