321-222-9361

Dave Bangs, from Legal Outsourcing.  This unscrupulous individual lies and knowingly breaks the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. It is not my debt, nor doubtful any relatives. He calls every year even after we wrote a letter per FTC guidelines to stop harassment.  He has stated he is a police officer, a government official, a court appointed employee, anything that suits his motive.  I enjoy a good argument, but he uses profanity to threaten information for someone i have never been associated with.  You wonder why debt collectors have a terrible reputation?  It's this guy!  Creditors should be held accountable for their debt collectors actions, even if it is an outside company.  And people...pay your debt or contact the creditor to work out arrangements!

This company is a FRAUD. They call threatening to file in your local court if tou don't settle with them. PLEASE DON'T PAY THEM find out who they say tou owe money to and call the direct DON'T PAY

First of all I don't know how they got my number as well as my home number of my old house. Anyhow. . This is regarding the number 321-222-9361. I returned the call and a woman by the name Keilani Lowe asked about attorney fees but needed to confirm my last 4 social. She said that she can't disclose any more information until i confirm my last four of my social.  I got into a debate about that because I can't just confirm my social with a  company I'm unfamiliar of (named J&L). She finally said "when you want to grow up,  call us back" and hung up. Of course,  I didn't call back.

I'm going through this right now and I do owe money but I don't trust these people I'm supposed to pay in a few days Wat should I do

I got a call for Kelani and she stated the same things above. I owed money on a payday loan and bank account. I told her that I have never ever took out a payday loan nor bank with the institution she stated. I told this person that my purse was stolen several years ago. Someone broke into our home and stole Checks and credit cards from our home. She than transferred me to a mediation expert lol. Told her the same story. She needed to speak with her supervisor. She came back on and said they removed my name from the calling system and she will contact the company and advise that these were fraud. Let's see what's going to happen now. These people scare you in to thinking that they are going to file fraud charges on you in your state and further legal actions. I don't think they can do that.

I just dont know how they got my husbands work number. Like please, why cant you find a real [***] job.

Call the people you owe the money too DO NOT pay these guys.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
Also good info at the Consumer Finance Protection Bureau:
http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html

Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated
If they are bothering you,
Report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection
Also contact your local attorney general
If they continue to bother you, 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.