SCAMMERS
Tried to collect on a loan that was paid off along time ago. I guess they chose the wrong payday loan name. So, of course I called the company and confirmed that I had paid it off years ago.
caller ID showed Williamson and Associates. Left message saying they have received a complaint in their office that needs our immediate attention. No details given, just their number to call as soon as possible. Also called my personal cell phone number as well.
SCAMMERS
Tried to collect on a loan that was paid off along time ago. I guess they chose the wrong payday loan name. So, of course I called the company and confirmed that I had paid it off years ago.
This at least the 10th time they have called. It is a robo call. With called ID, I never answer. They leave a message saying I have to call them right away to resolve some type of complaint. They give a case number, but also want my social security number when I call.
A phone call 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 ... 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, Western Union, 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