832-742-1234

These people are debt collectors, harassing jail time & scaring my daughter so bad she wanted to kill herself. Preston wells was the voicemail we got when we called back.

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.

When I google the name number and guys name I can't find anything online! They have my daughter in a panic she's scared to death. And don't have money to pay 582.00 it's from check n go 5 years ago. They gave her till monday to pay.

This is a scam attempt - your daughter should NOT be in a panic.  Read what I posted above.  I have also posted information below - it's a lot to read, but you and your daughter need to read and learn about your rights.  

Per Tamianth:

https://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

https://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
*****************
http://www.net-security.org/article.php?id=1828
***************
https://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
******************
http://www.fdcpa.me/fake-process-server-injunction/
******************
https://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
*******************
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
*****
http://www.cashnetusa.com/consumer-notices
*****
https://800notes.com/forum/ta-4f7d326029dcf9d/ ... lectors-finally
**************
Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
************************
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
http://www.fraud.org/

Did you read Elspeth's answer?
If not, read it NOW!

Here are some highlights:

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]

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

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

She is scared to death. Never heard anything about it, they called me out of no where cause she don't have the same number . Leaving me a voicemail saying they were pressing charges against her. If she don't pay on monday will she be arrested?

Thanks guys. This guy was not nice to her at all. It scares me cause she's tried suicide before and this has her insane. They told her 1-5years in prison . If she don't pay by monday. He said if she pays monday he will get check n go to drop charges.

* Ordinary debt is not a criminal offense.  It may be a civil offense (there IS a difference!)
* There are no debtors prisons in the USA.  People do not go to prison because they owe money.
* Collectors who want money by green dot cards or similar, untraceable means are usually scammers.

Please read the material that was posted earlier.  There is a lot of info there, particularly the mandate that supposed debt holders MUST send the supposed debtor WRITTEN (snailmailed) proof of debt within 5 days of initial contact, and the supposed debtor has sufficient time to send a written reply.

They are calling it theft by check. From post dated check.

Same rules apply as previously stated.

In addition ...
Some Payday Loan lenders will attempt to convince the borrower that the check they left is fraudulent, and the lender will file a fraud case.  Borrowers should read this:

"It is illegal in most states to write a check knowing that you do not have sufficient funds, with fraudulent intent."
...
"But a Payday loan is different. You know there is no money there. They know there is no money there. If everyone knows there is no money, there can be no fraudulent intent."

http://www.krumbeinlaw.com/non-payment-of-a-payday-loan/

Yes, borrowers should pay their debts, but lenders must (by law) follow the correct procedures to collect those debts.  A summary of the Fair Debt Collection Practices Act (FDCPA) is here:
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

More information,from the FCC, on loans and how to report debt collector violations:
http://www.consumer.ftc.gov/articles/0149-debt-collection

Recent news, stating the FTC DOES shut down these scammers!
https://800notes.com/forum/ta-a42dc4be97913e8 ... ection-scammers
and
http://www.consumerfinance.gov/newsroom/cfpb- ... -cycle-of-debt/

Thankyou so much, I can't open links till I get home because my phone is so slow. But I will deff open when I do arrive home. Is this true for Texas too?

No - again, this is a scam attempt.  Debt is civil, not criminal, and defaulting on a payday loan - even if she did - does not make this "writing a bad check" or "check fraud".  The scammers know which buttons to push to scare people into paying either a bogus debt, a debt that's already been paid, or even a debt that IS owed - but not to the callers.  BTW, debt collectors and "law offices" can't "arrest" anyone - they don't have that kind of power.

Yes it is, its valid in all states since it is Federal Law! States generally follow suit with the feds also.

No its a scam

They have contacted me as well this week. They were very pushy and irate with me. Told me I was going to jail tomorrow if I didn't pay by the next day. I called their bluff and gave them an ear full. I am so glad to see that I am not the only one whom they are harassing. The debt was from a valid source, but the amount they said I had owed was well over twice the amount borrowed. Plus the majority of the original debt was paid, and I had filed bankruptcy on it was well.

same number?!

They can't do squat ! People fall for their crap and pay up ,don't worry bout it they practice on trying to scare people into paying ,block the idiots number and go on with your life...