312-971-6237

Wondering if this is a scam. Claim they are trying to settle an old payday loan.  I was scammed before over same loan...lost out on 500 dollars.

Unless they send you a written Debt Validation Notification that complies with all requirements of the Fair Debt Collection Practices Act via US Mail, do not have anything to do with them. If necessary, send them a Cease Communications letter via US Mail, Certified, Return Receipt keeping a notarized copy for your records. If you were scammed once, others will try the same thing.  Unless they can prove you owe the debt and they have the legal right to collect in your state, you do not have to even talk to them.

What if they refuse to give you their address? I have proof that I paid this debt two years ago and I can't get anyone to give me a fax number or address so I can send them proof of payment. I also can't find them on the Internet.

Ron, your post is very vague.  So I have a few questions for you

Do you have a judgement against you?  How did they start garnishment without a judgement?  If there was paperwork faxed to your employer, then what is the name of the entity that sent it?  I would suspect you would know if you are so upset about this

Since they will not mail you the legally required documentation and you cannot find an address for them ignore their calls.  See if you phone company can block their number or purchase an external Call Block device. They run about $60 on amazon.

>> I received a garnishment fax to my employer  <<

Garnishments are not initiated by FAX.
As Vinny Gambini stated, garnishments are issued only by court order, AFTER a judgement.
That means you must have received a summons to appear, and would have received mailed copies of court documents.  No FAXes.

If that is true, you should be able to give us the information at the top of the summons or court documents, since it is now "public information".

Give us the court name and location,  the name of the judge, the plaintiff's attorney's name and Bar number, and the name of the company or person that is suing you, the date of the trial, and  a docket number.

Can you do that, to prove your statement?

I betcha you can't.  You didn't even give the physical and web address of the company that uses this phone number, so we could check their validity.  It seems you cannot even remember the correct name of the company that supposedly called you!

Do not bother to return and argue these points, unless you can provide the data I requested.

John (or Jon) Tomas from legal processing services left a voicemail on my phone saying "We have been retained to process legal paperwork under my name and social security number this is a very serious legal matter and that i can reach him at1 312-971-6237." Im not sure if its a scare tactic or that he can somehow sue me. I did acquire some debts in my younger years that have gone unpaid but I have not received any paperwork saying I was going to be sued. The only paper work i have ever received are the typical debt collection letters. My suspicion is that im now 27 and this debt is approaching 7 years and they would like to get it taken care of before that happens. Does anyone think I have cause to fear lawsuit?

I just got the exact same call as 'Bacon', word for word.  I have no current or previous collections.  Is this likely a scam? Or is it a legitimate debt collector with misinformation? Also, wouldn't such a debt be reported on a credit report?  I would think those receiving this call should request their credit report and see if anything is showing up there before returning a call like this.

This is a SCAM! I got the exact same phone call today!!! Do NOT give any info out and certainly do NOT call them back!

I just got the same call 10 minutes ago, word for word. Has to be a SCAM

Received a call today from the same company. Contacted the BBB of Chicago and the not listed and the number 312-971-6237 does not show up as a business or anything in that matter.

That's the one! Beware!

The statute of limitations for lawsuits to collect on debts varies by state. You can check the time limits for your state here:

http://www.bankrate.com/finance/credit-cards/ ... ld-debts-1.aspx

The 7 year limit is for unpaid debts appearing on your credit report.

This does sound like scare tactics but that only means they have not yet filed, if they can file.  Most old debt collectors prefer not to file since bad things can happen in court if the defendant contests the debt.  The hardest part for buyers of old debt is proving a clean chain of custody giving them clear title to your debt and the right to collect.

Knowing you do have old debts, you will have to decide how to deal with the calls since what you reported so far has not reached the level of an FDCPA violation.

It may be, especially of you know you have no old debts.  You can request a copy of your credit report from the three agencies to see if anything is present. However, old debts fall off the credit reports after 7 years so anything older then that would not show up even though the debt still exists.  If you do decide to talk with them or call them back, demand written proof of any debt they claim you owe in the form of a Debt Validation Notice sent via US Mail, do not accept any other form of receiving the proof. You should also go to the FTC website and review the information for consumers there on dealing with debt.

http://www.consumer.ftc.gov/articles/0149-debt-collection
http://www.consumer.ftc.gov/articles/0150-coping-debt

Report 'em:

http://www.consumer.ftc.gov/articles/0149-debt-collection

Only a judge can order a garnishment.  Only after some sort of hearing where you are given a chance to defend yourself.  They may be trying to scare you.   No employer worth his salt will garnish anyone's wages and turn them over to anyone in the absence of a court order.

Want to tell us:

Name of the person who sent this fax?
Supposed garnishee?
Phone number and address of the person who sent the fax?

Total scam operation.  Sometimes going by the name of Anthony J. Rodriquez, or Howard Associates.  Sometimes VP mediation.  Been around for a while.   Payments have been processed through this group:

NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through September 30, 2014.

Selected Entity Name: VANTAGE POINT SERVICES LLC
Selected Entity Status Information
Current Entity Name:    VANTAGE POINT SERVICES LLC
DOS ID #:    3640708
Initial DOS Filing Date:    MARCH 06, 2008
County:    ERIE
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
MEGAN VANDEVIVER
375 NORTH FRENCH ROAD
STE 107
AMHERST, NEW YORK, 14228

http://www.bbb.org/upstate-new-york/Business- ... t-ny-235969277/

THIS BUSINESS IS NOT BBB ACCREDITED
Vantage Point Services

Phone: (855) 760-8955
View Additional Phone Numbers
PO Box 665, Amherst, NY 14226
! THERE IS AN ALERT ON VANTAGE POINT SERVICES !

BBB® F Rating
On a scale of A+ to F

If you've been scammed by this outfit, report them.

* File a complaint with the FBI on their Internet Crime webpage     http://www.ic3.gov/default.aspx
* File a complaint with the Attorney General for the state you live in

Thank you very much i appreciate the prompt reply as well. I think I will ignore it. I was planning on paying any old debt off after college in one lump sum so I can focus on the new debt.

Thank you Dejai, Ann, CWG40 and Gracie for your input as well.