The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
•is seeking payment on a debt for a loan you do not recognize;
•refuses to give you a mailing address or phone number;
•asks you for personal financial or sensitive information; or
•exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
•Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
.•Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
•Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
•Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
•Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
I picked up the phone and a recorded message informed me that they had information that would effect my taxes. It then instructed me to call a number to verify accounts for more details.
Integrated Financial Group Of Atlanta, LLC is a Georgia Limited-Liability Company filed on May 19, 2014. The company's filing status is listed as Active/Compliance and its File Number is 14057253.
The Registered Agent on file for this company is Biana King and is located at 2045 Mt. Zion Rd Suite 290 Morrow, GA 30260. The company's principal address is 495 85 Circle St. Atlanta, GA 30349.
I sent them a debt validation request today based on a call I received. Let's see what comes of it. Iowa statute of limitations on open-ended debt is 5 years and last payment noted in 2008.
I have been getting these scam calls on off for about 5 years stating a pay day loan that I never took out (different numbers) - they are ruthless and have done some investigative work (even tracked down my first husband that I have been divorced from over 28 years) - I keep reporting each number to the Consumer Protection Fraud Agency, the FTC and the FBI but it still continues - I called them back today and just asked for their address - she became defensive - gave me 2045 Mt. Zion Rd #290 Morrow, GA 30260 - I guess there is no way to make them stop