micheal johnson states that i am NOT to disregard the call and my atained atty of record needs to call back and if i don't then all that unfolds..or some suck nonsence follows, if you call back the number they tell you some crap about owing money, they have the last 4 numbers of your social security number and yout e-mail address.
some thing is not correct, when you question then they curse you out, i had 6 messages left in the last 2 days on my work phone, i am going to the police with this as i have already called the FBI and they said to call the local police.
alexander davenport-stated there was a payday against me that is now going to court. Unwilling to give me the company name that was supposedly sueing me. Said by law they didn't have to contact me via mail. Also supposedly sent me an email notifacation in september?-never got one. Very poor english and even hung up on me after I wouldn't pay the amount in full today.
If consumers did not have enough to worry about having to deal with rising credit card interest rates, late fees and over-limit fees, zombie debt, and fervent bill collectors, now we have to worry about collectors calling about fake debt.
While many legitimate collection agencies follow the FDCPA, there are some collectors out there that are only running a scam operation and will be quick to use threats and scare tactics to get you to pay up quick. Their scams turn up in mailboxes, on the internet and through the telephone every day. Some collectors pose as national banks, government agencies (FBI, CIA), or even popular celebrity stars to gain personal information. These phony collectors may threaten to repossess your house, issue a warrant for your arrest, or even garnish your pay check, all of which are against the FDCPA rules. Some of which are even laughable (for example, there is no debtor’s prison in the United States).
Fake debt scammers rely on the fear and lack of knowledge about debt collection laws within the population. They also figure that a certain percentage of their calls will be received by individuals who may be carrying debt on credit cards anyway and may be susceptible to intimidation. When collectors use misleading statements and fail to provide identification, they are breaking the law. Never pay money to a possible thief. Keep cool when you hear from collectors to avoid this collection abuse.
Many times, people who took out payday loans online in the past are most susceptible. If you took a payday loan, be aware scammers may have access to your Social Security number and other personal information, and keep your guard up against such tactics.
Ironically, real "deadbeats" probably wouldn't fall for these scammers, since they have no intention of repaying their creditors anyway. But upright citizens may doubt themselves, thinking they've forgotten to pay a bill. Many times, the sums involved tend to be fairly small, so some people may be tempted to just pay the "bill" and "get it over with."
Ways to Protect Yourself Against Debt Collection Scams
Review your credit report frequently to find inaccuracies.
Be aware of your current creditors and how much you owe.
Ask creditors for identification before you provide any information over the telephone.
Reporting Fake Debt Collectors
If you ever receive a call from anyone identifying himself as a debt collector, the law requires that the debt collector provide you with identification, and that the debt collector refrain from making misleading and threatening statements.
You can report any problems you have to your state Attorney General’s office www.naag.org and the Federal Trade Commission www.ftc.gov. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.
I would advise you NOT to give these folks any money. Some of the previous folks on here states something about payday loans. I have used them before but have not gotten one in the last 3 years. I did apply to quite a few companies a few months ago and I have a feeling that this is where they may be getting our personal information.
The bottom line is: If there is a valid debt against you that will cause you to be taken to court........you would get something in the mail about it in writing. My main concern was the fact that they are in CA and I have never set foot in that state or anywhere close to it.
Next time they call, ask to speak to ASD ASDA...this is who the number is registered to in CA. I did some research on it.