507-262-2399

Got a call from this number saying I owe his client money, that they would settle for half of that, then tells me to take out a bad credit loan to pay them and that he would help me find a way to pay that bad credit loan back, I asked him for a physical address and a written verification on 2 different occasions and he claimed it wasn't in his or my best interest that he does that, he also told me that the lawyer was going to go after jail time if I didn't pay

No debt validation, no debt. It's that simple.

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

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 the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
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. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

This number called me this morning saying they were from ADP and they were garnishing my check and my information as been sent over to my HR/Payroll department, but yet said if I want to avoid this to call and make arrangements. ADP does not make arrangements NOR do they call you.

Received a call from this #- hard to hear the gal- Debra Johnson from Retreival Mediation?  Need to contact her back regarding a case # in their office?  If not further action will be taken?  Never heard of this person or company--calling from another part of MN, but referenced calling back a different # than was called on????  Will report both #s here, FTC, and a few other sources-places.

What number were you asked to call back to? Received the same call.

The phone number that was left on the VM was 612-354-4041-- when I checked the white pages it is a Minneapolis #- VOIP.  This same company called a couple of weeks ago from a 205-206-9687#- AL VOIP.  When I research this company on the BBB website--there are 2 listed one located in Newark, NJ- address unknown- no rating, and then another one in GA- with an F rating...both fairly new postings from 2015...............

This number calls me everyday saying that I got a payday loan out in 2012 and I work for this company and now go work for that Company the company I work for now I've been with for 10 years they still haven't returned check in their office and that if I don't pay this amount of money which they slowly bring it down to you know nothing starts out with that sounds good and works its way down and if I got paid I paid triple-time Outback and they are going to send it to my local law enforcement so I don't know what to do can I please get some advice

What?  I have no idea what you are trying to say.

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

They called me saying I had a pay day loan back in 2012 and they had a returned check in there office and I have no idea what they are talking about and the employer they said I was working for in 2012 I wasn't evening working for and they say if I don't pay they are transferring to local police and have a case number what should I do

OK, much better.  First it is incumbent upon them to prove that the debt exists and that you owe it.  Not the other way around. Second, the local police not any law enforcement agency has anything to do with collecting debt.  This is a common debt collector scam trying to scare you into paying them extortion money.

Now since they talked to you, this is what they must do by law, regardless of what they tell you:

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Now I know they won't do that, but on the slight chance they might, this is what you do next:

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.

Use these links to report them and to educate yourself so that you don't become a victim of this type of crime:

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php