I got called about a month ago from a man with a Middle Eastern accent from "United Processing Legal Department" saying that i had a lawsuit against me from Advanced America. Which who i owed money. So they have most of my information. They even called my cousin to get ahold of me. The man said his name was Alan Scott (sounds Arab to me) and he said i would be arrested if i didnt pay 2 payments of $350. Well i paid them. Today i got a call from Advanced America saying that i still owe them $500 and that they never sold my balance to a collection agency or anything. United Processing Legal Department is a fraud scam. Do not give these people any information!! Hang up if they call you!!
This is another number for U.P.D or United Processing Legal Dept., or they sometimes say United Processing Investigations. They are a bunch of foreign scammers trying to get you to send them money. They make threats about sending agents to your home and work and many other scare tactics. If you get a call from them call your states attorney general and turn them in, you may also need to contact your states Office of Financial Institutions. They also used the phone number 305-433-8364 with me about 2 months ago.
No, they CANNOT have you arrested! Threatening to do so is a blatant violation of the FDCPA!
§ 807. False or misleading representations [15 USC 1692e]
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --
(A) lose any claim or defense to payment of the debt; or
(B) become subject to any practice prohibited by this title.
(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
(13) The false representation or implication that documents are legal process.
(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.
(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.
File a complaint against these people NOW, with the FTC and your States' Attorney Generals' Offices.
I receieved a voice mail from a gentleman claiming his name is Don Jackson. He stated that I needed to have my attorney to contact him or he was sending my information to the state prosecutors for prosecution. I panicked when I heard the voicemail and immediatley called this gentleman back. He was VERY VERY ugly to me. He told me at 9:09 am I had until 10:00 am to get $ 3150.00 wired to him. I explained that I was a single mother and could not come up with that type of money.... This gentelman turned into a total dick! He started screaming at me saying that if I did not have the money to him he was going to have the feds come and pick me up..... I hung up the phone and started to cry.... I discussed with my manager what had just taken place and she advised me to contact an attorney. I was able to locate a attorney in NC.... he stated that these people have no grounds for criminal charges, he also stated that this company is not even licensed to do Business in the State of NC. So... when the Habib called me back from United Processing Legal Department I requested that he fax over to me the contract that were supposidly signed and a copy for my records of what the money that I was paying for.... he got very upset when I questioned him, he stated that he was not going to send any paperwork over to me until I sent the money.... I requested again that he stop yelling at me which only infruated him further and he started screaming that he was going to make sure that I couldn't get another job for the next three years and that he was going to contact my employer. I Hung up!!!! I called my attorney and my attorney told me to document everything that this habib was saying. My attorney assured me again that there was nothing that this man could do. While I was out of the office for a breif period this Don Jackson phoned my place of employment.... and got really really ugly with my Office Manager..... in turn she gave him a ear full back. I have not heard from Habib again... we will just have to wait and see what happens