This phone number is also in connection with 'The Cambridge Group' & 'CNS Associates', both of which are bogus and a scam. They are basically scavengers who acquire personal information and try to collect money illegally by means of harassment, false accusations of fraud, civil suits, etc. If they call you REPORT THEM TO THE FTC and every time they call from a new number, or a person calls you using another fake name, contact the FTC and update that inf with them. They give you a reference number when you file a complaint so you can do so. I have been doing this and they are great in working with people. If enough people file complaints against these people , they will eventually take action.
I received a call from "The Cambridge Group". They stated they were a “litigation firm”. I have been told this is a scare tactic and is only a term “scavenger debt collectors use to scare people. The original number that called me was 980-225-1844. The 704-909-6422 number was a direct line for "Investigator Michaels" with the Cambridge Group. They claimed I had a debt that they now owned and last paid in March of 2007. They had all my personal information but with the wrong social security number. They did give me the original Master Card account number and through contacting Master Card I found out that this was charged off from the original creditor in March of 2001.
I ran my credit reports and it is not on my credit reports. I spoke to an attorney who said that they can not collect on this debt regardless of whose debt it is because the statute of limitations has run out. In Louisiana, where the debt originated from, the statute of limitations is 3 years. The statute of limitations will always go by the date the original creditor charged off the debt.
I tried to call the collection agency again to inform them of this, but only received a voicemail. I told them on the voicemail that my attorney said that this was not my debt and regardless, the statute of limitations has run out and they could not collect on it from whomever’s it was. I asked them not to contact me at any phone numbers that they had for me any more and I am not paying a debt that is not mine to begin with.
Received a call from a young lady using the name Lisa McMichaels who was trying to collect on a debt. Long story short, I ended up having to file a complaint with the FTC and my state's attorney general's office because not only did she falsely state that I was refusing to reach an agreement voluntarily and then disconnect the call, when I called back, she lied about hanging up on me and then demanded a debit card by the next day to start monthly payments. Since then I have received phone calls from other 704 #'s claiming to be attorney's offices accusing me of fraud and threatening me with legal action. These people are a joke and the methods their using to try and collect are illegal. Do not speak to them or give them a dime.
Very rude and disrespectful woman using the name Lisa McMichaels called me stating that she was attempting to collect on a defaulted payday loan from yrs ago. A few minutes into the convo revealed her to be a fraud and I have since had to file a complaint w/ the FTC. I have found that she works with a group of individuals as a scavenger collecting info on defunct payday loans and attempting to illegally collect the funds. The FTC is aware of this and instructed me to never speak to them, however they have my 71 yr old aunt and an old acquaintance on an autodialer and harass them almost daily, they recently threatened to put my aunt in jail, all in am attempt to try and STEAL from me. If these people contact you, file a complaint with the FTC and give them all of the information that you have. Update them regularly and if enough of us do it, they will eventually take action and go after these clowns.
This phone number is also in connection with 'The Cambridge Group' & 'CNS Associates', both of which are bogus and a scam. They are basically scavengers who acquire personal information and try to collect money illegally by means of harassment, false accusations of fraud, civil suits, etc. If they call you REPORT THEM TO THE FTC and every time they call from a new number, or a person calls you using another fake name, contact the FTC and update that inf with them. They give you a reference number when you file a complaint so you can do so. I have been doing this and they are great in working with people. If enough people file complaints against these people , they will eventually take action.
Report them to the Federal Trade Commission. That's what I was advised by a attorney as they are resorting to illegal tactics to collect a debt. They have to provide you with a written letter to prove that it is your debt in the first place.