Much like above I received the threatening voice message, which was for my wife, I returned the call, politely ask for his name company name and I wanted his supervisor, because he was rude and threatening, plus I was having a hard time understanding him, he of course refused and hung up.
At least he wasn't yelling anymore
I called and he said he was from American Loan Corporations attorney's office and immediately asked for my name but, when I asked what this was in regards to he became indignant. He had a really thick Asian accent and when I asked what it was I'm regards to again he hung up. He left a threatening message on my cell phone telling me not to ignore this phone call or I will be sorry.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, etc. all for an alleged or nonexistent debt.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Much like above I received the threatening voice message, which was for my wife, I returned the call, politely ask for his name company name and I wanted his supervisor, because he was rude and threatening, plus I was having a hard time understanding him, he of course refused and hung up.
At least he wasn't yelling anymore