} demand for payment letter .... seems to ignore the FDCPA
It's awkwardly written puffery and has one non-sentence. A few lines I find potentially misleading. I'm confused most by the "agreement" language, almost turning the letter into a contract of adhesion. Any agreement regarding collection costs is already in the lender contract anyway, assuming a valid debt. This would never fly as a G-letter, but it reads in fairness like a "big hammer" follow-on after prior contacts fail to inspire payment. Of course, the most glaring violation would be the false representation that this came from a real law firm rather than thugs with a window-dressed website.
Scottlawusa.com. Collections efforts of a threatening nature. I thought this junk was illegal? I will worry about them when I am served, and not before. Slimeballs.
Received a call stating that they are a law company and that I owe over 400.00 for a payday loan. I never had such a loan. Claimed that if I did not pay today they were taking me to court and have me put in jail for fraud!
They called with an auto message saying I'd be investigated for a bunch of charges including theft by deception. I called back and the guy answered with, "Law office!" I started laughing and asked for info. He said I took out a loan in 2011 and paid for two months before stopping. I told him that wasn't true and if he's a legit company he can send me something in the mail. I looked up the website of Sean Scott Law Office. The website was opened in 2015 and is pretty threadbare (although the do have a text copy of the auto message-lol). I looked up the street address listed on the website and guess what? There's no evidence of a law office being there. They've used the address of a strip mall, I think.
This is a scam. Do not worry about these "You're going to jail" calls. I've been getting them for over three years now.
This is a SPRINT SPECTRUM L.P. Mobile number, person leaves personal information via voicemail on phone numbers that don't belong to the person their calling which is strike one. strike two you don't threaten anyone to collect a debt and strike three if your going to be served your not notified. And last but not least you must send proof of debt in some type of letter form never got anything from these people. and where is your suite number on your website, and how are you so big and just now creating a website this year. looks like this building rents out spaces all the time shockingly your website doesn't have your suite number listed. [***] OFF!
Total debt collection scam. They are not an attorney firm. They are basically debt collectors who are not following the law. Being in ordinary civil debt is not a crime and you cannot be arrested for it. Defaulting on a payday loan is not a crime.
Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a DIME until the debt is validated.
Of course they won’t do this, no scammer ever will, so simply block their calls and ignore them.
If they are bothering you,
Report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening criminal prosecution to collect a civil debt is a clear violation of the Federal Fair Debt Collection Act)
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. You might have to yell at the scammer and talk over him or her. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them .