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, 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
i was reluctant to answer this call cause i didnt recognize the number but mr hill was very nice informed me about my loan i took out last year i obviously didnt pay it off and on top of it offered me a 1 time pay off of half of what i actually owed i had them send me a letter where it originated from and i remeber it i just didnt have the money to pay i set up a payment of 100 every 2 weeks on a 3500 dollar loan i had taken out pretty professional was surprised made a deal haven't had anything bad happen will definitely settle account when i get my taxes for about half of what i owe call them listen to what they have to say the longer you keep them on the phone talking the more they negotiate down my bill hehe at least they weren't jerks about it
The problem i have to deal with is that i have a fairly common name (not John Doe) and several years ago found out that someone with the same first and last name was born a few days after me when the local PD picked me up for this persons bench warrant. Plus there is ANOTHER person with the same first and last name born a few months from me that also lives in the same city as me as well. Because of this and being a victim of ID Theft 4 or 5 times (I don't even keep track anymore because it happens to often), I now have this moron calling me, my employer (which is illegal), and my family (illegal again) and harassing me for a company i have never heard of, but according to them/him, i took a loan out.
These calls come and go every several months, and when i have tried to give them the name and number of MY attorney to contact further, they wont call him nor speak to him (once again illegal to do so). When me and my attorney have tried to track these scumbags down, they are always changing their name of the company, use shill fronts, untraceable (IP) phone numbers, and especially untraceable PO Boxes. I have asked to send me documentation, yet they curse me out for asking for it, and nothing shows i took out these bogus loans on my credit.
They also will threaten to have you arrested, which is highly illegal but more seemingly scare tactic, but yet when i call their bluff, and ask what PD they will be arresting me so i can turn my self in right now, they... well... curse you out even more.
The main thing is, if it is NOT on your credit, then they are full of it and just looking to scam the next person.
claims to be collecting on a payday loan from 2012 gave me a number to call mr hill???? 7162425213. says loan was from bmg marketing/ global group holding. the number that called me was 8442150812
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, 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