they say to pay up or see them in court.
Complaint
masterpeeeeee
Country: United States
National Check Resolution P.O. BOX 491406 Lawrenceville, Georgia 30049 Phone: 877-348-3599
Stanley johnson sr.risk manager.
I got a call just like corina and procced to give them my info including debit cards. We agreed to make monthly payments in the amout of $210 for 3months. Unfortunatley for them I gave them a pre paid card. I wanted to make sure these people are legit. My first payment is due on aug 20. I assume they had no luck thus far trying to take $$$ out of my pre paid card so they will wait till this month. Should I give in and pay? Funny thing is I just recently received an email from them only after I call them the day before @ midnight by accident. They must have caller id. Our first call was in mid july. Please can someone advise me on my situation I have a few weeks before my first due date. Lastly their email header or address comes in a weird form like this
慎楴湯污敨正删獥汯瑵潩�
Stanley johnson sr.risk manager.
I got a call just like corina and procced to give them my info including debit cards. We agreed to make monthly payments in the amout of $210 for 3months. Unfortunatley for them I gave them a pre paid card. I wanted to make sure these people are legit. My first payment is due on aug 20. I assume they had no luck thus far trying to take $$$ out of my pre paid card so they will wait till this month. Should I give in and pay? Funny thing is I just recently received an email from them only after I call them the day before @ midnight by accident. They must have caller id. Our first call was in mid july. Please can someone advise me on my situation I have a few weeks before my first due date. Lastly their email header or address comes in a weird form like this
慎楴湯污敨正删獥汯瑵潩�
Comments
Normal debt collectors don't communicate with alleged debtors via email unless the consumer has provided an email address and authorized its use. Unverified email addresses aren't reliable enough to ensure that you are reaching the correct person, so their use exposes legitimate debt collectors to the risk of lawsuits for illegal third party disclosure, in written form, no less. Their compliance officers would have a stroke over the idea.
Scam debt collectors obtain information from various sources to focus a con against a target victim,
and email is one of the things they may use. Suspicious use of your email is an indicator you are dealing with a scam, as is any weird contents. A US postal address is no proof you are even dealing with a real US based debt collector, as the scams also use US addresses, either mail forwarding mail drops, or entirely bogus addresses, since they are counting on scamming you before you even know the address is fake.
Complaints suggest this is a scammy debt collector, with a long history of illegal debt collection shakedown complaints. Sounds like the same old "process server" shakedown, which can con and extort even when they target the wrong person for their harassment. https://800notes.com/Phone.aspx/1-877-348-3599
Such shakedown collectors seldom actually sue, mostly they just play this little "process server" act to scare their victims. It's illegal, and you can sue them for trying it, whether there is any owed "debt" or not. These are typically incompetent phone thugs, so you can't rely on anything they say, and they are going to great lengths to evade numerous FDCPA requirements particularly validation, and routinely violating the law.
In some cases, they just cold call, and try to con you into believing you "owe" them some debt you may actually think you owe.
In other cases, they get "lead lists" from payday loan application sites that you might have applied on. SInce many people who have applied on such sites have also taken out actual payday loans, it's easy to con them using typical average "details" common with payday loans, even guessing several names that "it might be".
In some cases, the original lender, or maybe its collection agency, has customer information sold out the back door by some current or ex-employee insider. The information can be used in the same type of con, with the advantage that it actually matches some actual payday loan, that may or may not have already been paid off.
You cannot trust allegations by ANYONE calling on the phone demanding money.
FDCPA provides a procedure for disputing and requesting validation of debt, and requires debt collectors to notify you of any alleged debt IN WRITING BY MAIL, and also requires that they respond to your disputes and validation requests, or stop trying to collect.
Any debt collector who evades the law is probably running a scam, using one of the methods outlined above.
If they won't send you the FDCPA required notification letter, (by US mail, NOT email) they're a scam.
The way the shakedown game is typically played, even if a real debt existed, would be to threaten a trumped up amount, adding "court costs and attorney fees" none of which are even legally owed unless and until a judgement is obtained allowing them, and the threat of which is therefore illegal as deceptive collection, which violates FDCPA. The fake trumped up amount is then used to offer a "settlement" typically for around half, all without any proof of what is actually owed, nor is there ever any proof you owe it to them.
The shakedown rackets violate FDCPA in numerous ways, but generally try to evade lawsuits by restricting contact to phone only, hiding their actual locations behind mail drops, and legally wrapping themselves within layers of LLCs, any of which they are willing to collapse if they actually get sued and lose. They are truly "fly-by-nite" operations, that could clean out their offices and move elsewhere over a weekend.
If you want to pay and settle an outstanding debt, the only safe way to do it is with the original lender or the collection agency they confirm to you, all documented by proof of the debt in writing send up front before you even make a payment, so that you can document what your payment is going toward, and that the debt is actually extinguished by your payment and some other scammer isn't going to come along next week and demand again.
Other than that, anyone else calling and threatening, using that tactic to evade FDCPA validation requirements, is generally running a scam, and there is no way to ensure that any money sent to them ever pays of any debt.
Document theri harassment, deception, and threats, logging all calls, and noting any "process server" or "investigator" implied threats. Odds are they're a scam, but even if they did sue you, you would still force them to prove the debt through discovery, and countersue for FDPCA violations, for much more than you owe. Not real likely, since if they could do that, then why are they playing the shakedown game?
Abuse, threats and deception, imply more deception. The starting point for all deception in debt collection is that the "debt" itself may be fake, so those that engage in illegal abuse, harassment, threats, and deception are also indicating they may be engaged in fraud. There are indications with shakedown rackets that although some of them may be buying real old portfolios that may originate with actual debts, much of their strategy is aimed at using those portfolios as cover for wider shakedowns of anyone they choose to target.
On those links u gave me a couple of people stated they called a guy named chris. his number is 855-672-1988. And he help with the solution. Who is chris? Are u chris?
You would do better contacting a real attorney, especially if you are subject to abusive or fraudulent collection.
Most such attorneys will review your case for free, and if they sue for FDCPA violations, they often do so on contingency, getting paid through court awarded attorney fees if you win.
Try www.naca.net to find a consumer attorney in your state.
They are playing shakedown games, so you can't trust them, and paying them might cost money but not even pay off the loan.