Had a call from this number today...same script as the above...saying this is a civil action with a restraining order.....definately a scam! I owe a couple people, but I am in contact with them and have a plan in place....I am going to.try the no.call list.
The Do Not Call list does not apply to this type of call. However, if you feel they are harassing you or violating the FDCPA, you can file a complaint with the FTC and your State Attorney General.
They have been working at this for a long time. They just sell numbers between "companies" and try to get you to pay for something you don't owe.
Here's the email I get CONSTANTLY -
Samuel Sole & Associates, LLC
One Commerce Plaza
99 Washington Ave., Suite 805-A
Albany, NY 12210-2822
Phone: (888) 978-3565
File #: 309443871524
Loan Type: Payday Loan
Status: Final Review/Pending Recall
Settlement Offer: 50% Reduction
Letter Date: 8/6/2013
Dear Sir or Madam,
This letter is to verify that we, Samuel Sole & Associates, LLC, as acting agent for your lien holder, have received your account for collection. Your account was sold to our client due to non-payment. The account was then placed with our office with an outstanding balance for collections. We have agreed to accept a settlement payment and/or various hardship payment options.
The client has agreed to accept a settlement for 50% less than the balance due. This payment would result in your file having a zero balance. However, if you are unable to take advantage of the proposed settlement offer, we can negotiate payment options to accommodate your financial hardship. If you have any questions or concerns, you can contact our office Monday through Thursday 9:00am to 7:00 pm Eastern Standard Time and Friday 9:00am to 5:30pm Eastern Standard Time at 1-888-978-3565.
Any missed or returned payments, charge-back payments and/or disputed payments will result in the settlement offer becoming null and void. In such a case, the balance in full will be considered due and payable in full. However, upon sufficient clearance of funds, your account will be deemed paid in full with a zero balance.
This has been an attempt to collect a debt; any information obtained will be used for that purpose.
Sincerely,
Frank Ricard
Note: Please Do Not Reply to this e-mail. It was sent from an automated address. You will not receive a response.