3154102072

recieved call from nicole smith rja capital. number is 31t-410-2082. said in regards to potential legalatters in my parish.  she knew my last 4 of social and has called my boyfriend in regards to the matter. any ideas

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.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

I am guessing that you, Monica, are really from RJA Capitol. Yes RJA Capital is a company in NY. BBB does not have them listed.

I am guessing that you, Monica, are really from RJA Capitol. Yes RJA Capital is a company in NY. BBB does not have them listed.

I just received a phone call and attempted to call the number it went straight to voice mail. There is no receptionist. I pressed zero to get an operator and nothing. If this is a legitiment business I will eat my shorts.

Agree with all of you. This "Company" is definitely a scam. My son is an attorney and he tells me that a collections firm cannot sue anyone. They must refer the case to an attorney. Play them along a little then tell them to go to H- - - !! You will never hear from them again.

They called my phone leaving threats they'd have me served and arrested if I didn't respond within 48 hours. I never called because I knew it didn't sound right so they called my uncles and grandma harassing them even telling them if I didn't contact them by the next day they were filing charges against me and I'd go to jail. They left names like Tim Baker, Charles Baker and Andrew. When called I asked for address to give to my lawyer he said I don't have any rights and got furious and wouldn't give it to me nor tell me why they were harassing my family.  Sad thing the family members they called were never used as reference at all. They did people search and it gave people that may be relatives. Why did they get upset when I asked for their address?

Charles Baker said that I owed on a loan that I did not even know the company he was taking about.
I would like to know how he got my information. He threatened to have me served at my place of employment. When I mentioned an attorney he replied that I didn't read the fine print. What fine print???