Called me from 678-928-9088
Received a call today from an investigator named Mr. Stark. He said there was a warrant out for me for check fraud and that he could take care of it today for me. I told him that until I have something in writing and go over it with my attorney and records then I will call back and take care of matter. He wanted to verify my address but I told him someone called me 2 weeks ago saying the same thing and I asked them to send me something in the mail. It still hasn't arrived yet. And furthermore I shouldn't have to verify anything because you should already have my information from2 weeks ago. He said he didn't call but then asked his buddy if he called and that's when this other guy got in the phone. He said they could have they're secretary email me a copy in 10-15mins and they could call me to see if I received it. He then went to ask why would wlyou want to bring in your attorney in this when they charge 500 an hour and your claim is only 200? I told him thank you for your thoughts on my wallet. Please send a copy of this claim. This happened at 11:15 am today. It is now 9:56 pm and I still haven't received an email or call back.
No message. However, I looked up the number and it is an Rclec landline. Rclec is somehow connected with VoIP. I have no idea what I am writing, and my husband said I am spending way too much time on the computer.
Called me from 678-928-9088
Received a call today from an investigator named Mr. Stark. He said there was a warrant out for me for check fraud and that he could take care of it today for me. I told him that until I have something in writing and go over it with my attorney and records then I will call back and take care of matter. He wanted to verify my address but I told him someone called me 2 weeks ago saying the same thing and I asked them to send me something in the mail. It still hasn't arrived yet. And furthermore I shouldn't have to verify anything because you should already have my information from2 weeks ago. He said he didn't call but then asked his buddy if he called and that's when this other guy got in the phone. He said they could have they're secretary email me a copy in 10-15mins and they could call me to see if I received it. He then went to ask why would wlyou want to bring in your attorney in this when they charge 500 an hour and your claim is only 200? I told him thank you for your thoughts on my wallet. Please send a copy of this claim. This happened at 11:15 am today. It is now 9:56 pm and I still haven't received an email or call back.
The first problem is that they are required to mail you a dunning letter as per this:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
They want to use email because email addresses can be spoofed as well. These are no doubt crooks since they used "investigator" and "check fraud".
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://800notes.com/faq/attorney-general