615-301-8862

People say they are charging me with deception and breech unless I pay them a total of $2765.66 for two payday loans I attempted to make. The two company names they are using to represent themselves are "Global Solutions" and Compass Capital. They have threatened me with my county serving me with a warrant at my job and at my home. Tonight, they are threatening to put a lien on my vehicle. They continue to call. In the last week, they have called more than 6 times. I have never tried to take out a payday loan.

These are criminal debt collection companies and are know on these pages.    No one goes to jail because they owe someone money, that went out 2 centuries ago.   They cannot put a lien on your vehicle unless they are the lender and have the title.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this,  all for an alleged or nonexistent debt.  They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.  Now why would a “process server” want to do you, a stranger, a favor, and at the same time not get paid to deliver the papers?

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.
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