I got a call yesterday from this number. He calls his self Stuart. He told me I had a payday loan that was never paid in 2008 and said I have court today(yesterday). Said I owe 1500 if I dony pay by 5 I ould have a warreny out and 2 felonies. I don't even live in the same ts
I did some research and found out numbers close to.this one have done the same thing but haven't found any with this number just wanted to let others know its a scam
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
I got this same call today he even emailed me what look to be a garnishment order but it looked off... I almost fell for it but my mind started functioning again and I did some research
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
•is seeking payment on a debt for a loan you do not recognize;
•refuses to give you a mailing address or phone number;
•asks you for personal financial or sensitive information; or
•exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
•Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
•Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
•Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
•Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
•Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
I received a call saying that I owed on a payday loan from over 10 years ago, they had no current info on me, so I blew it off. What really freaked me out was that he said a bank I'd been to years ago did not honor the check. I;ve only ever taken 1 payday loan in my whole life & there was an issue because I went into labor the pay-off date, but they sent it to the bank. He seemed to have legit info and then said that the local sherrif was coming to put me in jail for 90days. He said my kid (that's how he got me, I never told him that), was going to be "remitted to foster care" because check fraud is a felony. He said the state paid my debt and now I owed the state, I would serve 90days. They could stop it if I paid a huge amount (original debt, legal fees, criminal fines, etc.) w/in the next hour. I lost my common sense and paniced; I told him I didn't have it. He said"Good luck w/the judge!" and told me the authorities would be there w/in the hour, I freaked and tried to borrow from a friend who was on top of things, thankfully, She called local police & I called my state's Attny General's Office.
1) No state pays your debt! I mean, that would be nice but every state would go bankrupt the first day before lunch.
2) You don't get a warning for an arrest, if that happened criminals would never get caught, also there must be a warrant. (no such warrant in my case)
3) The US does not have Debtors Prison, you don't serve time to work off a debt
4)Illlegal to threaten your children's removal or harm
5) If you really are going to court there is no stopping it, no last minute pay-off
6) Call the original creditor to see if they actually did hire whoever is calling you. (I called and the matter was closed the day my child was born) Also, a creditor must, legally give you info/access to whoever they sold the debt to, (the place for me never heard of these Silverman crocs)
7) A true collector must give all identifying info- address, qualifications, etc. They must provide tangible, written proof and a legit way to pay, A Monetgram into a random acct is a dead give away fot BS!
Here's the clincher, after all was said and done, I felt a deja vu type thing; I keep EVERYTHING and looked in old files... I had fallen for this before! I had been scared yrs ago about being arrested and paid over $1000 for the exact same "debt"! I remember repeatedly requesting a receipt, payoff letter, etc. Never.
Well, David Silverman, Scam Artist At Law... never again!