Do not pay them one red cent. threatening jail is illegal and never going to happen. These are criminals flat out trying to scare you into paying. they are required to to do certain things by law, and sending a letter out is one of them. Also, if they are located in Texas, why would you send money to amherst, NY, known haven for criminal debt collectors?
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
They say its an attorney office but there is only one lady that works there. They are in texas but the address is non existent and she didnt even know the address she had to look it up
Is the company real or false company? They are stating that a pay day loan here in california sent out the file and if not paid my husband will go to jail.
Even if you did owe money, jail will NOT happen. That is an illegal scare tactic!! Phone calls, emails, texts & faxes are not official notification of anything. It is also illegal to claim to be an attorney if they are not (and wouldn't they know the law if they really were).
Thank you for your response MJG. I have been trying to research the information an the number but it is showing something else. Address she gave for the Atty. Office was 700 E. 7th st. in Texas and the Office Name is National Law Group. She is also instructing me to send money gram but the person of payee is Elite Payment Solution, and the person I speak with is Sharron Cambell. I am so worried and just not sure what to do and looking for information and advice.
RED FLAG!!!!! That MoneyGram is the same as cash - Untraceable!
The official notification is - a document that is WRITTEN and MAILED (post office) to you. It must include their company name & address, the original creditor information, dates, amounts, and more information.
Nothing delivered like that = 99.99% SCAM. Demand that & wait for the excuses to start (and possibly illegal threats). Give your county court house a call tomorrow, Ask for the civil division, They will confirm what I have posted.