Yep, just another form of credit card theft. I always wonder about people like you. Sometimes I imagine you folks actually go to church on Sundays and parade around like you are upstanding citizens when you aren't anything more then a criminal. But sounds like all you care about is the money, so I doubt you have any morals or ethics at all. The very fact that you read these opinion boards to see who is talking about you is very narcissistic.
hey,katerules.... one more thing they also have a new number it is 716-748-7966 watch for this one they have been calling for 3 months and I have not yet got a summons or court date or even a LEGAL court decision I have not received one thing on paper not one until then too bad so sad for Brown Andrews & scott the fictictious law firm from the east coast why do most scams originate in New York or new Jersey? do we really wonder...
Re. "Does anyone know how we can pay off the original loan without having to go through these scammers," you can pay the original creditor or his agent if he still owns the loan. If the original creditor sold your loan, then payment must go to the new owner of your debt or his agent and paying the original creditor does no good. The first step upon receiving a collection call is to find out who really owns the debt.
Re. "They doubled the amount owed," payday loan interest rates are so high (around 15% per 2 weeks?) that the doubling time is short months and that's not even including penalty fees (if any).
Until you get the status of your loan with Advance America resolved (paid, unpaid, sold?), you'll always have nagging doubts about whether any collection call is legit or scam. I suggest contacting Advance America and simply ask them about the status of your loan. If paid, ask them to send you paperwork so you'll always be able to prove you've paid.
Two months ago i received several phone calls from a Mr. Johnathan Swanson. The first time he called he pretended to be a law enforcement officer who had a warrant for my arrest. The second time he demanded i pay him 3 times the amount of the debt or he would have me arrested the very next day. I told him i had no problem paying this debt but i would like to have proof of what i'm paying. He agreed to send me an email statement within the next few hours which to this day i have never received. Long story short: These guys are scam artists!!! What they are doing is ILLEGAL!! Whatever you do DON'T SEND THEM ANY MONEY!! YOU WILL NOT GO TO JAIL!!!!!
You are a complete liar. That was never said. How would I even be able to impersonate a police officer calling from a 716 area code...wouldnt your caller ID give that away genious?? And yes you did bounce a check, and if I really wanted to spend the time filling out all your paperwork to file a claim for it I most certainly could..Its a shame that a scumbag like you will go to such measures just not to pay a debt that you owe.
collection agents are bound by state laws to provide proof of debt to said debtor -as this would also be needed in court for civil judgement, wage garnesment, or lien. I have had the unfortunate pleasure of dealing with some debt collectors that will say or claim just about anything - since most of you work on a commission basis of what you collect. In these economic times perhaps some compassion might work best for you in your efforts yo collect on debts. None the least I have recored some the debt collectors calls to me - provided them to the States Attorneys Office and suddenly the debt is forgiven because what was said to me was in violation of state law and the collection agency would rather forgive the debt then be charged by SA for illegal collection activity.