844-585-8145

Today this afternoon I received a voicemail from 321-248-7725 the guy stated that there was a lawsuit filed against me and to please call 844-585-8145 an the case number which included the last 4 of my ss#. I called and a nice girl answers the phone and she knew my full name, last 4 of my SS#. She then stated it was from a pay day loan from 2012 for $300 from 5/3 bank and JHS Group. She says but now because of court fees and interest you owe $1925, I told her I don't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said from 2013?, I said yes, she sad sorry that wasn't included in the bankruptcy. I told her well I believe so. She said that is a loan that didn't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for $710.00. I said email me a copy off the charge I am being sued for, she said unfortunately I can't do that because we did that before and then someone changed it and put paid and when we took them to court we couldn't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I don't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect English , not the typical Indian accent. I guess they know now we are on them. So I of course started to google the phone numbers and JHS Group and I couldn't find anything. I even googled 5/3 bank and who was their pay day loan company, still nothing.  I then googled the 844 area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with JHS Group. Then I told my husband about the call I received today and he said oh I received a call from that number today , but didn't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc... Leave innocent people alone...

Informational post:

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

This is a scam! Do not give no information or anything!

Someone called me today from this number 844-585-8145 trying to find information about my son. I gave no information. Just informed my son of situation and we both figured out that they are scammers. My son just told them he will have his lawyer call number to straighten out situation. Horrible people that take the time to harass innocent people that are living paycheck to paycheck themselves.