These people name was Dell Ray Capital, which is a credit collector and they are saying that I owed 1,855 for a pay day loan I never took out and they are saying that I have to pay this loan out or be served and would have to go to court. I told them to serve me. I am waiting to see what happen.
Trying to track down chain of title from a payday loan. Contacted by a Simon Eichler and Associates who are trying to charge me a ridiculous amount of money. I spoke with a Mr. William Childs who sounded very shady on the phone. Basically lied and told me he could charge double the amount owed legally. I called Delray Capital and get a voicemail everytime. Funny thing is it sounds just like William Childs of Simon Eichler and Associates. Does anyone know if there is information that has to be provided to prove the validity of the debt and that they are not slick scam artists?
LEGALLY - they must provide you written (not via email or fax) validation of any supposed debt you owe - who the original creditor is, the amount you owe, when this was incurred, etc. If they DO NOT give you this information via mail then you can be sure they are scammers or rogue debt collectors. Tell them you've reported them to the FBI and also your state Attorney General.