Called from some mediator company trying to get me to call them so they could scam me out of money. Been down this road for the past couple of years. These people dont get tired. All because I took out a payday loan years ago, which I paid back. But now they call me on a constant basis and no one can do ANYTHING to make them stop. It gets so annoying.
I had a delinquent debt for a credit card the Mediator said that he had all my information and to hold on i was concern but the mediator explained everything to me and I was given a contractual agreement and I had to sign and send back . this is not a scam they were very professional
Is that a shill?
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
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.