Same Name....Different Person!!!

ComplaintsCollection AgenciesAnthony Wayne Credit Adjusters

Complaint

0
Sick and Tired
Country: United States
Anthony Wayne Credit Adjusters of Fort Wayne IN have sent me 2 letters out of the blue claiming that an amount has been entered as a judgment against someone with my same FIRST and LAST Name and DOB.

Whoever this "crooked" person is lives 7 states away from MY address, but obviously found my address in a phone book or online, I don't know and don't care but listed my address a year ago. I contacted AWCA 3 months ago when I received the first letter telling them specifically that I had never lived or worked in this state. They asked for SSN#, confirmed it was a different person and said it was taken care of. I asked HOW they got my address and stated "skip tracing" or something? They guy on the phone laughed and said probably so, but he had fixed it!!

Got a letter last week about a judgment. These people are Fraudulent themselves and apparently have zero lack of respect for normal and legal processes. All they want is to harass someone into paying some debt of which they can't even find the RIGHT CUSTOMER THAT OWES THEM!!.

Filing a complaint with every firm/agency I can find to let them know about this company.

Comments

  • 0
    tj
    At least they confirmed that your SSN doesn't match, so in theory it wasn't a judgement against you, but don't be surprised if they "accidentially" try to garnish your wages or sieze your bank account.   They may even have sent the summons to the wrong address and got a default judgement in the first place.

    They are now sending letters to you even though they earlier confirmed you were not the alleged debtor.  

    Contact your state Attorney General to see how best to handle this should they attempt to take advantage of the name similarity.
  • 0
    tj
    This may be:
    1)  a mixup in identities,
    2)  identity theft,
    3)  a default judgement from sewer service or suing in an improper venue,
    4)  a deliberately sloppy attempt to collect someone else's judgement from the wrong person.  
    Regardless, you always request validation from debt collectors to best preserve your FDCPA rights.  

    You want to know what you are dealing with, and whether you can best proceed through AG complaints, police id theft reports, or legal action for violations of FDCPA or to vacate a default judgement that resulted from improper service.

    Considering all the alternatives, you would be wise to send this debt collector a letter disputing this alleged debt, as allowed for by FDCPA, and requesting that they send you proof of the debt including proof that you are the party that owes it, including a copy of any alleged judgement.  

    Also include a request of the name and address of the original creditor, as that may be valuable in establishing whether this is mistaken identity or id theft, and in using a police report to get copies of business records necessary to handle id theft problems such as removal of fraudulent account information from your credit reports under FACTA.  Under FDCPA, if you send your validation request timely (within 30 days) of receiving their letter notifying you of your right to dispute the debt, they are prohibited from proceeding with collections until they send proof of the debt.

    Send this letter immediately, certified return receipt requested so you have proof of when they received it, and keep copies of all communications along with the delivery confirmations for your files.


    Be aware that there are a number of deceptive and illegal tactics debt collectors may use.  They may say it is too late to request validation since the first letters were sent months ago.  But the alleged "judgement" is a new and different debt, and their own claim to have confirmed that your SSN did not match could be taken as a violation of FDCPA for attempting to deceive you into not disputing their earlier letters in writing.  In fact, it may be they "fixed" their skip-tracing by changing the earlier SSN to yours, then sued in a different venue without legal service to obtain a default judgement.  Suing in an improper venue (the wrong place) is also a violation of FDCPA.  The only proper venues would be where you live, or where you were when you agreed to the alleged contract.  But if this isn't even your debt, then you never signed any contract either.

    There is something strange about this alleged "judgement".  They managed to find you earlier, "agreed" with you that you were the wrong person, you never received a summons nor would you expect to, yet now they claim they have a judgement?

    Probably most collection lawsuits end in default judgements, since most consumers never show up to court.  There may, however, be default judgements mixed into these statistics that actually arise from failure to serve the defendents.  New York Attorney General Andrew Cuomo recently sued to throw out almost 100,000 collection judgements on the basis that a process servicing company used by a number of New York debt collection attorneys had failed to serve defendents while falsely claimed to have done so.  

    Basically, find out what you are dealing with, don't take any BS, communicate in writing CRRR for proof of receipt, and if your opponent makes any deceptive statements or you have problems with collection of a debt or judgement that is not yours, contact your state Attorney General.

    BBB report on Anthony Wayne Credit Adjusters.  Not much.
    http://www.bbb.org/northernindiana/business-r ... rt-wayne-in-456

    They appear to be a debt collector local to Ft. Wayne IN.

    Here are a bunch of small claims judgements, for very small amounts, possibly bad checks.

    http://www.timeswrsw.com/CN121499.HTM
    "Superior Court III
    Judgments
    ...
    Anthony Wayne Credit Adjusters awarded the judgments noted against the following people: Peter O’Connell, $340.11; Samantha A. Adkins, $288.40; Russell Bailey, $518.84; Terry Beach, $401.37; William E. Beck, $165.09; and Christy Carpenter, $352.56.
    ..."

    http://www.timeswrsw.com/CN121499.HTM

    http://www.timeswrsw.com/CN102301.HTM
    "Anthony Wayne Credit Adjusters awarded the judgments noted against the following people: Rex Westerman, $263.92; Nora J. Wilson Warren, $356.46; Michael Thomas, $359.06; Wayne Tedrick, $264.41; Joann Carr, $1,179.34; and Robert Zuniga, $285.46.
    ...
    Anthony Wayne Credit Adjusters v. Thomas and Marsha Edmunds. Plaintiff awarded $347.92.
    ..."
  • 0
    Denise Cherbak
    Anthony Wayne Credit Adjusters tried to garnish my wages of which I have no job bieng on unemployment.  When I recently contacted them about making payments They told me where I live does not matter, wherer im from does not matter, and I have to consider the president of the united states--it was an afro american woman I was speaking to. I am a health care worker who was attacked by a woman off the job over 7 years ago in which I got away from her correctly and any job I have has suppported my licencing since.  I recently had a job however that was descriminating about that past record and pushed me off the job.  I had to call adult protective services about this job and had a hearing with unemployment which I won.  I called adult protective services and my elderly and disabled clients all had to be interviewed to win my case.  All of this I have had to deal with, bieng a good person.  Not only 7 years ago when I lived in Porter county and a woman attacked me from lake county and a company discriminating besides that was not professional to anybody.  It was only because of my clients the elderly and disabled that I won.  (and some friends--and the adult protective services--and unemployment.  Besides that While unemployed I got hit by a car by a student of which I currently have a big law suit.  Anthony Wayne also told me not only it does not matter whho you live or where you are because of the "president" buyt after that told me I was the boy who hit me with the car.  Besides a law suit I have with a law firm behind me. They try to usse bad methods on good people and it is unscrupulous to try to interfere with a law suit of which I got hit by a car as well as anything with my licencing.  Its because it is a bad area.  I was then told if I send in my payments I will be OK.  They are interfering, and especially when it is a law suit or a licencing for what other people do.  They got me shaking.  only from stress.  My uncle is an attorney and my mother has worked in collections for 40 years.  The "bill" which they have tried to harass me for is over 20 years old for 200 and something dollars and I do not know what it is for. Never bieng given an explaination. Dealing with a lawsuit like mine and what this boy did hitting me with a car and giving me 3 fractures, and also having to call adult protective services and winning a case of how a company was talking to the elderly and with my background of a woman attacking me whom I rightly got away from and called the police which my employments have been supporting, and if not my clients if there is any descrimination--which I have also won anthony wayne better be careful.  Their goal is to collect money which I called them amicablely, and they associated several legal areras of which I have licencing support and attorneys and adult protective services.  Thats the difference between good areas and bad ones.  Yes I have very good reasons to prefer the good areas I am from!  On the advisement of my uncle, I have sent them a copy of the fair reporting law.  But because of my getting hit by a student and their possible interference on my case and how I handled my job also and my calling adult protective services those from good places or with those behind them cannot relate amicable to those from bad areas.  They have a problem themselves already.  They dont know the law in some places.  Lets hope its not more, because this case with the boy has a law suit, as well as the adult protective services and how they were to the elderly.  The bill has got to be 25 plus whatever it is.  Having an explaination of it and acting amicable over their actual function as a company would have been correct.  Good areas just cant expect bad areas to do jobs as the rest of the world does. Hope the line never gets crossed again.  My lawyers are dealing with this law suit and the boy hitting me with his car as it is and Adult protective services and the whole town had to deal with a company that did not know how to be with the elderly.  If a company does not know how to relate amicable for their function of getting money,  Better not to mess with those who get hit by cars and have licences like mine with clients and adult protective services for cases against companies that I have already won.  The best areas cant deal with the worst.  What can be expected when it seems from short conversations from them about the president and whatever else they do not know their function as a company and my attorneys and I already have ours with the boy who hit me and the appeal I won as well. When you live in better areas gods on your side.  When your around better people.  you recognize where hes not when a company does not even know its function and would possibly interfere with a law suit from getting hit on the street by a driver your lawyers are already dealing with and a suit you won as well in support of elderly people.  There are legal limits a collection agency can relate about and ones where they cannot. Especially with trying to interfere with a settlement injury and a licencing and the decision of the unemployment and adult protective services already!  I dont even like to be around anything but good people by now. Not that that isnt what Im usually only around. Its not that one cant even call to ask a question about paying a bill, its that good people cannot be around bad.  Ive had to send a copy of the fair crerdit reporting act since.  Do they know the ramifications of trying to interfere with anything else?  With my attorneys and the case with the job that was abusive I won I think they better
  • 0
    So tired of crooks
    I was garnished by these ppl yrs ago and I still get summons by them even though they received their money. I ended up homeless, no job, no car snd they had me arrested for not showing up to small claims. I never received a summons. Their client doesn't realize after 5 yrs you can't collect. I'm on Disability and don't make enough to live on my own.
  • 0
    Crooks
    They tried to send a letter that was only a paragraph long to me stating that I owed them 3k and have 10 days to make arrangements with them or go to court. Not what the debt was about or how to dispute the debt or anything else in accordance to the law. I reported them to the states office and a few alphabet agencies. Really at the time they said the debt incurred I was a minor it is not even possible for there to be any debt.

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