Fool. This is not the 3rd world country you are obviously from and there are laws to protect people like you from fraudulent collections. You should get a legit job if you really want to feel better about yourself.
Got a call from this number stating it was Amber from Ruben and Yates Law Firm. First of all they called and left a message on my neighbor's answering machine stating they were looking for me to serve me with criminal papers and left a case number and phone number to call. My neighbor passed the information on to me. I called and Amber said I had 2 unpaid payday loans and gave the amounts and dates of the deposits and returns from 3 years ago. I recognized the amounts but not "Twin Bluff Financial". I told her that I had paid off those loans with another company and had paid in full letters I could give her. Her loan numbers did not match mine so she said that they were different loans for the same amounts but could not give me the names of the companies other than Twin Bluff Financial and that I must have had multiple loans. I requested from my bank to research the statements on the dates I was given by Amber. No such transactions went through!!!!!!! I called back to tell her this and I even said I could send her documentation from my bank. Her response was that banks may delete transactions from statements. REALLY??????? Banks can do that????? NOT. I requested documentation from her. She said she would email that to. She never did. I called back and requested it. She said she put in the request to her other department and that she would "walk" the request over again. Two hours later...still no email. She also claimed that she had documentation that other companies had tried to contact me and had even mailed me numerous requests. When I said I had not gotten anything she said that I just must not open all my mail. This is absurd!!!!
Okay, so you started off appearing to be literate; a very RARE thing for the shills sent on this site to attempt to legitimize these scams...er..".businesses". Sad, you ask everybody to study "basic economics", yet you obviously didn't even bother to attend your elementary school English classes to learn spelling and proper grammar. I'm not sure which is more atrocious; your inability to spell "responsa(!)bilities" or the run on sentences and ill use of punctuation. I'm sure being that you are obviously a SHILL, you accuse everyone on here of researching laws violating our rights as debtors (which, FYI, BTW, is ANYONE who owes money to ANY lender, so I am sure you are one!), that you are unaware of the many reports on television news programmes that there is an EPIDEMIC of scam debt collectors out there. Taking advantage of people who don't know the laws protecting them! For heaven's sake, the 3 credit bureaus even give people a new start every 7 years so obviously, people in arrears have RIGHTS too. And, by the way, these d-bags just called me and it's "Rubin and Yates", not "Ruben", so get your fake a** names straight!
So these idiots have a website, www.rubinandyates.com, and they are as illiterate as the shills...er...people defending them. "Do Diligence"?! Really? I'm pretty sure that "due diligence" is one of the first law terms a law student learns yet it is misspelled. HAHAHA! This is AWESOME! Fair warning, Kate "Investigator" McKenzie, keep going with these phone calls and I will do EVERYTHING in my power (legal, of course) to make sure you and your "co-workers" (should say "cohorts" or "fellow criminals" rot in jail for extortion...Shouldn't behave the way you all do and then have a website so we can all find out WHERE YOU ARE to have our lawyers contact your lawyers with some legal documents...NICE TRY! Go away NOW while you can because I WILL make "Rubin and Yates" and example for all the other FAKES out there.