They said 'dont disregard the call. If I do not call them back or they do not hear from my attorney the only thing they can do os wish you good luck as the situation unfolds on me'
>>> They said 'dont disregard the call. If I do not call them back or they do not hear from my attorney the only thing they can do os wish you good luck as the situation unfolds on me' <<<
This sounds very much like the highly stilted English that is often read off a written script by people at Indian call centers.
I suggest that you do a Google(R) search for the last phrase or two, verbatim, that he said to you.
Ultimately, only you can take the responsibility of deciding whether to call back or have an attorney call them back, as nobody here is going to give you legal advice based on your sketchy information. And nobody knows what state you are in, so even if there was someone willing to give you legal advice here, he could get into very serious trouble for practicing in your state without a license. But my money would be riding on the caller being a scum of the earth criminal extortionist, not a legitimate debt collector.
THIS IS A SCAM. THESE PEOPLE ARE IN INDIA. People that have applied online for a payday loan, did so on a fraudulent website. Do not send these people any money. The call you and try to extort money by threatening to contact your employer. Unfortunately you gave them all of your information when you filled out the online application. Do not fall for this. The FBI as a bulletin posted http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
******SCAM****** I received a call telling me that I owed almost $500.00 to payday lender and papers were going to be filed at the courthouse. They threatened to shop up ay my place of employment and serve a warrant for my arrest. Other than my name, I did not confirm or deny any personal information. They spoke broken English. I was transfer 2 or 3 times and an atty Sean(sp) Williams with a local law Firm of based out of Sulphur Springs TX was handling my case. They threatened that if taken to court, I could be fired, I would have to $9,000.00 in court costs but they would settle with me for $500.00. The catch was I had to pay them that day. I asked them to call me back the following day. I ran a search through texas.statelawyers.com and used white pages.com and yellowpages.com. The law firm was not listed in either place. Also I downloaded an app that allowed me to record the phone conversation when they called back. They called back I told them I was recording the call. I had them give me the name of the firm, their contact info etc. I informed them I did not owe this money and I would turn my recorded conversation over to the DA's pffice. This was 10 days ago they have stopped calling.
i actually work in collections myself and i understand that some rules are bent sometimes. the f.d.c.p.a is way over the top and most people are so used to debt that they dont even care about the calls and hang up as soon as i begin to identify myself. its sad that people wont reasonably speak about these matters, actually, most people jump through hoops to avoid paying bills they know they owe and 95% of the people in debt i speak with lie to me.
that being said, what i heard about this company and their tactics and what they use and things they say on the phone to people in debt and to myself when i called is absolutely disgusting. the story i heard almost brought tears to my eyes and i am doing everything i can to take this company out of business. the woman they ripped off i have had contacting the authorities and we are in the process of locating them. i believe they are a criminal scam operating somewhere in the middle east, possibly india. they dont actually have accounts that they are entitled to collect on they have just somehow found a way to gain access to actual debts owed and try to get the money themselves. they all have accents, they all lie and everything i heard about them makes me sick. i was told they were taking every penny from this single mothers weekly paychecks, verbally abusing her, and worst of all on the day of a family members funeral they called her from caller id "911" to tell her she was going to jail because she was a few hours late on a payment. they can make their caller id look like anything, they will say anything, they are not real collectors, this is a total scam and they belong in jail. when i finally got somebody there on the phone and tried to get to the bottom of why they were doing this they told me they were the f.b.i and were cursing at me and using phrases i cant even repeat here. PLEASE NOBODY PAY THESE LUNATIC CRIMINALS. IF THEY CONTACT YOU CONTACT THE POLICE IMMEDIATELY. they give real collectors that are just trying to make enough money to get by like myself a horrible name.