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Everybody wants to borrow money but no one likes to pay I got 2 of my overdraft accounts settled and off my credit-everybody loves to complain when they don't want to pay the money back

Is this for real? Already paid this debt once. And now JMB Associates is calling for the exact same debt.

"THEY DONT WANT TO PAY THE MONEY BACK" is a false assertion. People should pay loans but must *NEVER* pay scammers. If debt collectors behave like scammers, then they will be treated like scammers. Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm 
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

Everybody wants to collect debt but nobody likes to obey the pertinent laws. Nothing is ever "settled" with a collections account until a court order is binding and/or the collector has agreed in writing to delete the trade line and not resell any "forgiven" balances. Collectors and their "Pay Youse Bills" shills love to complain when consumers call out their lawbreaking antics.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
http://www.ftc.gov/os/statutes/fdcpajump.shtm

Not sure that this is a real collection agency. Looked up the address and it is residential. I remember the debt mentioned on the paper sent, but know it was no where near the amount listed. Does anyone else have any information about them. I can't find anything else online which is suspicious.

These clowns called three times in 20 minutes demanding payment to an ATT Account.  The idiots name said he was a "Michael Davis" calling from a Mr. Wilson's Office.  Obviously a fraud or scammer so do not fall for their apparently illegal collection tactics.

Same tactic used tonight from "Michael Davis" at Mr. Wilson's office.He said he was trying to reach my son regarding a pending legal action and the he must call immediately. My son has no outstanding debt.Thanks to everyone for posting their encounter with this obvious scam.

My husband received a call at my mothers house (which he has never lived there a day in his life) From a Mr. Davis at Mr. Wilson's office that my husband has an outstanding legal matter pending with the county we live in. I after hearing this called this Mr. Wilson's Office and all he told me was he would remove the number. Now how can he remove the number with out the person that he is trying to contacts name? This is a scam! I cant believe that the BBB has not done anything yet since it has been reported to them. Do not trust this guy!

I also received harassing phone calls from JMB Associates for my son. I am a private detective and was alarmed at how this company operates, so I did some background checks. Do not give any of your personal information to this company. Contact your local police station. What I found was alarming: Michael Davis is a name Michael Wilson goes by; he has a criminal record; he spent time in jail. He owns this company. Even more alarming, his brother who is Patrick Wilson owns P.N Credit in Stoughton, Mass, a collection agency. Just Google their names and look up the complaints from P.N Credit, and there is Michael Davis whose real name is Michael Wilson. Also do a criminal background check.

received letter in mail in regards to us bank owed $2434.67 and it was on my credit report called in and Mr Davis settled my account for $1100 even and i got my credit fixed and saved money and was able to get new checking account at us bank so these people are not a fraud and if you want to resolve your bills like an adult they will help to settle account and get it off your credit report!!

i got a letter in the mail from these people from us bank for $1234.78 i called us bank at 8664342103 to find out if these people were a real company and they said yes. Then i called them back and asked to resolve this matter they said they can get a settlement offer of $328.06. I really owed this money and it was on my credit report so after paying bill i got paid in full letter and 30 days later it was updated as paid in full so thanks for saving money trying to buy house!!!

yes i have gotten phone calls from them also i thought something was suspicious about this cause this man was going me all time of night back to back an would not stop so i told him to send me somthing in the mail an he sent me some papers in an pain envelope wow i'm so glad that i DID NOT SEND THESE PEOPLE ANY MONEY BUT THE STRANGE THING IS THEY HAD ALL MY INFORMATION

JMB ASSOCIATES IS A SCAM!!!!!!!!! I tried calling them numerous times and no one never answered but When I finally told "Michael Johnson" I cancelled my credit card he cursed me out...how professional lol ! Scam! scam! Scam!    Did I say scam

US Bank is not affiliated with JMB ASSOCIATES!!! JMB ASSOCIATES is a scam!!!!!!!!!!

james keenan.   are you kidding me... patrick wilson from middleboro ma owes me 12000.00 in child support.... keep talking crap.... lol.    pretty silly when some one is collecting debt when they owe child support 6 children later??? he has 3 boys and 1 girl... I am the mother of his his 2 daughters... any questions... lol

guess what Richard... you are right... lol Michael Wilson did go to prison... no Patrick Wilson ownes the company... go to
Corporations Division
Business Entity Summary
ID Number: 462046378    Request certificate      New search
Summary for:  MERCHANTFIND USA, INC
The exact name of the Domestic Profit Corporation:   MERCHANTFIND USA, INC
Entity type:   Domestic Profit Corporation
Identification Number: 462046378
Date of Organization in Massachusetts:   07-18-2013
    Last date certain:
Current Fiscal Month/Day: 01/31
The location of the Principal Office:

Address:    27 GLEN ST #9
City or town, State, Zip code, Country:    STOUGHTON,   MA   02072   USA
The name and address of the Registered Agent:

Name:    PATRICK WILSON
Address:    90 CENTRE ST BOX 797
City or town, State, Zip code, Country:    MIDDLEBORO,   MA   02346   USA
The Officers and Directors of the Corporation:
Title    Individual Name    Address
PRESIDENT    PATRICK WILSON    27 GLEN ST #9 STOUGHTON, MA 02072 USA
TREASURER    PATRICK WILSON    27 GLEN ST #9 STOUGHTON, MA 02072 USA
SECRETARY    NOREEN WILSON    182 BEDFORD ST MIDDLEBORO, MA 02346 USA
VICE PRESIDENT    PATRICK WILSON    27 GLEN ST #9 STOUGHTON, MA 02072 USA
DIRECTOR    PATRICK WILSON    27 GLEN ST #9 STOUGHTON, MA 02072 USA
Business entity stock is publicly traded:
The total number of shares and the par value, if any, of each class of stock which this business entity is authorized to issue:
Class of Stock    Par value per share    Total Authorized    Total issued and outstanding
No. of shares    Total par value    No. of shares
CNP    $ 0.00    1,000    $ 0.00    1,000
Consent    Confidential Data    Merger Allowed    Manufacturing
View filings for this business entity:
ALL FILINGSAdministrative DissolutionAnnual ReportApplication For RevivalArticles of AmendmentArticles of Charter SurrenderArticles of Consolidation - Foreign and DomesticArticles of Consolidation - Domestic and DomesticArticles of Consolidation - Domestic and Unregistered ForeignArticles of CorrectionArticles of DomesticationArticles of Entity ConversionArticles of Merger - Domestic and DomesticArticles of Merger - Domestic and Unregistered ForeignArticles of Merger - Foreign and DomesticArticles of Merger of Parent and Subsidiary CorporationsArticles of Merger of Trust and CorporationArticles of OrganizationArticles of Share ExchangeArticles of Voluntary DissolutionArticles of Voluntary Dissolution of Corporation Which Hasn't Issed Shares/Hasn't Commenced BusinessCertificate of Appointment of Resident AgentCertificate of Change of Address of Resident AgentCertificate of Change of Directors or OfficersCertificate of Change of Directors or Officers (Resignation)Certificate of Change of Fiscal Year EndCertificate of Change of Principal OfficeCertificate of CorrectionCertificate of Resignation of Resident AgentCertificate of Revocation of Appointment of Resident AgentCertificate of Vote of Directors Establishing a Class or Series of StockDissolution by Court Order or by the SOCIssue of Capital StockReinstatement Following Administrative DissolutionRestated Articles of OrganizationRevocation of DissolutionStatement of Appointment of Registered AgentStatement of Change of Registered Agent/Registered OfficeStatement of Change of Registered Office Address by Registered AgentStatement of Change of Supplemental InformationStatement of Resignation of Registered Agent
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