He called me last year too with 500.00 and I paid it with the exception of 100.00 And now he calls me with an 800.00 loan. Gave him my debit card number threatened me with jail if I didn't pay something on it. I just got out of the hospital and back to work. He called my employer...
Called my work said warrant out for arrest. Called it says he is criminal investigator. Told me was an attorney said he could drop the warrant if gave money.
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…
Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:
Misrepresent Him or Herself
A debt collector may not misrepresent himself as an attorney or law enforcement officer.
Use the Telephone to Annoy or Harass
A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.
Threaten Arrest or Lawsuit
A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.
Use Abusive or Threatening Language
A debt collector may no use abusive or profane language in the course of communication related to the debt.
Publish a Bad Debt List
Publishing the consumer’s name or address on a "bad debt" list is prohibited.
Contact By Embarrassing Media
A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.
Contact a Consumer at Work
A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
Seek Unjustifiable Amounts
A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.
Contact a Consumer Represented by an Attorney
A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.
Communicate With a Consumer After Receiving a Validation Request
If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.
Communicate With Third Parties
A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.
Bills.com FDCPA FAQ
Below are questions Bills.com readers ask frequently:
Can a Collection Agent Call My Cell Phone?
Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.
I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?
No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.
A Collector Says I Will Be Arrested if I Do Not Pay
This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
He called me last year too with 500.00 and I paid it with the exception of 100.00 And now he calls me with an 800.00 loan. Gave him my debit card number threatened me with jail if I didn't pay something on it. I just got out of the hospital and back to work. He called my employer...
Received three phone calls yesterday from two different men from this phone number. The first one was to my cell phone and which "private investigator/attorney at law christopher walker" left a threatening voice mail, which I still have. The second was to my work number and fortunately I was able to catch the call the had these [***] talked to my fellow employees it would have been quite embarrassing. Christopher walker threatened to file a warrant for my arrest stating I was committing across the state lines fraud and that I was being charged with 2 felonies. I asked for his return phone number in which he gave me the number he was calling from so that I could call him the next day. After I got off the phone with him I received a phone call 2 minutes later from his "paralegal Kevin Johnson" stating that all of a sudden I was eligible for a pay arrangement. This was after he called me asking for a person by a different name. Proceeded to call me a liar when I told him there was no one here by that name and then I heard dear ole Christopher in the background telling him he was asking for the wrong person. I then proceeded to ask him what his name was and I had to force it out of him because he told me he didn't have to give me that information, additionally had to force him to give me a return number and the number of his firm. Both of which I have googled and the phone number he gave, which was different from the one Christopher gave me, was to something completely different, a business of some sort and the name of the supposed company doesn't even show up in a google search. These two are obvious scam artists and some how are getting a hold of peoples information and attempting to scare them into paying them money - making them even scarier than ones I have I came across before, is that they are Americans. I had a similar situation approximately 5 years ago but that person had a very thick accent. If you receive a phone call from these bozos do not argue with them. Tell them that are in violation of the FDCPA and also inform them that you are recording the phone call. This should shut them up. As another person posted the fair debt collection practice act, these two are obviously in violation of such and if they are legitimate they would give you legitimate information to contact them, without hassle.