Nicole Brown from Alexander and Associates called my parent's house and told my father that they were pursuing a civil suit against me, but provided no further information.
Nicole Brown from Alexander and Associates called my parent's house and told my father that they were pursuing a civil suit against me, but provided no further information.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, etc. all for an alleged or nonexistent debt.
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 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
The last three days I received the messaged that I was going to be served papers for not paying a loan that I never received. This was from an Ohio phone number. Now, today, the same person is calling me from this number. My lawyer is taking care of it now.
Eric has called me again. Claiming my attorney never spoke to him, which I was there for him. He proceeded to Yellit me and tell me again that my attorney has not called. So I told him that I knew he was a scammer and hung up the phone. He proceeded to call me two more times. I have blocked the number, but have saved all of the messages.