281-205-4484

Caller left a message on my recorder saying most of which I could not understand. They did not identify themselves or ask for any person the call was relating to. "..?.. expedited, your last chance before case turned over to your county for further legal action. Call back 281-205-4484. I have no pending legal issues did not call them back.

Same exact message left for me. October 5th.

same exact message to me 10/5/15
did not call them back

The company did not identify who they were, but same message as above.  I pressed (1) because I got tired of receiving call. Person answered said hold on, then they were unavailable

These people keep calling and wanting money otherwise they threaten by turning you in to local authorities with a warrant issued for your arrest on fraud charges. The funny thing is that it's a threat and harassment. Nothing ever happens... They should be sued for Harassment and false accusations...

Warrants are never issued for civil debt.
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.  One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying.  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

Thank you for your reply to my post. I will follow up on my end...

just called again--"non-compliance" turning you over to county attorney  for disposition.
have turned the number over to my attorney

they've called about 3 or 4 times.  I listened to the 1st message and ever since I've been deleting them. they don't verify who they are and say you owe money.  Prove it!  send it to me in writing.

Here we go again,more threats,more harassment over a debt that doesn't exist.I say prove it,don't try to bully me on the phone,yoi whimps need to get a life and leave me alone.

That is all well and good for a regular debt.   They say I owe a payday loan made over the internet.  I know they are illegal unless the have permission to operate in my state.  Since when I called them, they told me it was there in Texas, they wanted to settle.  I got pissed and yelled at her and she said she was going to expedite it.  It was not to arrest me but to put a complaint with my county attorney's office and the county attorney would schedule a court date.  Sounds like they want to file a judgement on me.  Also when I asked where the debt originated, she gave me the client's name but said they operate under several different names and it could be any of them, she had no way of knowing exactly.

Internet payday loans are illegal in Kentucky unless they are registered to do business in the state.  They will get no where.  They have no physical check as an instrument stating they loaned me the money and I am not even sure if it is mine.

They(Monica White at Smith and Associates) also stated that I had a right to the original document (which I asked for), but it was sealed by the states attorney office there, and I would need to hire a lawyer to have access to it.  Some big red flags there.  I told them to go ahead and expedite or do whatever they needed to do.

County attorneys  and state attorney generals do not get involved in collecting civil debt which is what a payday loan is.  The district attorney has nothing to do with the collection  of civil debt and he in fact does not schedule court hearings, that is done by the clerk of court or the prothonotary.  You would have to be properly served by US mail or by a court authorized person.  Everything in my post applies to any sort of debt, credit card charges, loans, car loans, mortgages (with some caveats), payday loans, internet loans, and the list goes on.

SMITH AND ASSOCIATES
Posted in: https://800notes.com/Phone.aspx/1-281-205-4484
https://800notes.com/Phone.aspx/1-866-847-6165
Web site is plain vanilla and lists and address at a PO Box in Ohio:  https://www.smithaalaw.com/
BBB page lists them as in business since 012 with no complaints and an A+ rating:  http://www.bbb.org/youngstown/business-review ... and-oh-20002650
I can find no company registered under that name in any state.  That would legally preclude them from doing business.  From the way their web address is written, they are trying to look like a law firm.
Whois information gives a name and basically the same info as the web site:
smithaalaw.com registry whois    Updated 1 second ago - Refresh

Domain Name: SMITHAALAW.COM
Registrar: DOMAIN.COM, LLC
Sponsoring Registrar IANA ID: 886
Whois Server: whois.domain.com
Referral URL: http://www.domain.com
Name Server: NS1.LOWESTHOSTING.COM
Name Server: NS2.LOWESTHOSTING.COM
Status: ok http://www.icann.org/epp#OK
Updated Date: 08-aug-2015
Creation Date: 09-may-2011
Expiration Date: 09-may-2016
smithaalaw.com registrar whois    Updated 1 second ago
Domain Name: SMITHAALAW.COM
Registry Domain ID: 1655255861_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.domain.com
Registrar URL: www.domain.com
Updated Date: 2015-09-15T23:55:50Z
Creation Date: 2011-05-09T20:00:21Z
Registrar Registration Expiration Date: 2016-05-09T20:00:21Z
Registrar: Domain.com, LLC
Registrar IANA ID: 886
Registrar Abuse Contact Email:  @domain-inc.net
Registrar Abuse Contact Phone: +1.6027165396
Reseller: Lowest Hosting LLC
Reseller:  @lowesthosting.com
Reseller: +1.8007624913
Domain Status: ok
Registry Registrant ID:
Registrant Name: Alec Santos unknown
Registrant Organization: Alec Santos
Registrant Street: PO BOX 5266
Registrant City: POLAND
Registrant State/Province: OH
Registrant Postal Code: 44514
Registrant Country: US
Registrant Phone: +1.8779081645
Registrant Phone Ext:
Registrant Fax: +1.8156420954
Registrant Fax Ext:
Registrant Email:  @smithaalaw.com
Registry Admin ID:
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

Thank you BigA.  I realized that after the fact.  Sorry.  I called the Texas AG office Consumer Protection and she asked me to file a complaint which I did, along with one to the state of Kentucky

No problem, and make sure you file with the CFPB also, they are getting really aggressive at going after these outfits.

Told had an open investigation on me and need to contact and give all personnal info to resolve.

A message was left saying something about noncompliance and a "case will now be turned over to your county."  it's spam.  do not call back.

Called twice on 10/13/15. Same threats. Scammers.

Thanks for this information....

My sister and brother-in-law have both been receiving harassing calls from this number claiming to be trying to locate me for a worthless check...bogus.