http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a violation of the Federal Fair Debt Collection Practices Act.) The same goes for endless telephone harassment
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.
You'll probably have to yell at them and talk over them.
You have to get tuff with these people because, being akin to thugs, brute force is (metaphorically speaking), the only thing they understand.
We are talking about the loan amount of $300.00 that you took with the company Cash Advance USA which has now gone up to $973.75.
The total pay off balance is $973.75, however we do have a Settlement offer available for you, if you can come up with onetime payment of $350.00 by today September 19th 2016, this account will be marked as paid in full.
Please confirm if you accept the Settlement offer, so that we can suggest you the mode of payment accordingly.
NOTE:The settlement offer is valid till today September 19th 2016.
Kindly get back with us and let us know whether you want to take care of this legal case outside of the court house or not so that we can proceed further and update your case file accordingly.
However once you mark this account as paid in full by making payments on behalf of this loan account, the company will provide you with the Full & Final receipt along with the Loan Clearance Certificate. So that you can have it as a proof to make sure no one contacts you in future for the same loan.
Email does not count a form debt validation. Debt collectors a required to send a written notice via USPS, within 5 business days of initial contact. This is a scam.
received an email about a final notice, legal consequences, etc from Cash Advance USA, Nick Smith, bogus name of course, phone 972 499 5082. When I called the number was threatened and verbally assaulted. I have no such loan, have never had a loan with them and would never have a loan with them. Sick of this. What can we do about it.
Received same email as Susie, on September 19, 2016. At first I was upset because I have taken out payday loans but I believed I've paid them. I also sent a reply email requesting they send me supporting documents. Finding this website and others, I believe it is a scam.