They called said I was approved for a loan amount of 500 to 5000 dollars. For 500 they told me I need to pay 171 for 3 months.....They wanted my bank info and I canceled everything.
Stated that i owe $345.00. They will accept $175.00 to pay the bill off. Wants me to contact them on june 29, 2015 to pay $175.00. If i don't call them, they will down load the case in my county to sue me. If i lose the case, i will have to pay $5000. Stated that he was calling for harrison law firm in new york.
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, MoneyGram, Western Union, prepaid gift card 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