They did the exact same thing to me! Called saying I was being sued, that I needed to take care of this IMMEDIATELY or Else! They offered me no proof at all of this payday loan (the only one I ever took out years ago, I paid off), in addition, the woman on the phone was ugly, belligerent and cursing me because not only would I not cooperate with her, I laughed at her..HOW DARE I..lol
Got one of the same messages I have received several times before regarding there being a case on the caller's desk in front of him with my name and SS# and this caller wants me to acknowledge this and either call by today or have my attorney call to discuss what needs to be done next to get this straightened out. Otherwise this will be sent further. Looked this phone # up it belongs to some woman in Iowa, whatever!!!!!
got a call from Fredrick Wallace mediation services,that i have a pending case ,requiring immediate attention, if he doesn't hear from
me today or my attorney, he will document I have waived my right to counsel and I'm to govern myself accordingly
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
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
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
You waive NOTHING by not returning the call. If there was a real case , you would not have a warning call. A licensed process server would show up unannounced.