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I AM MR BECKHAM AND THE COMPANY I WORK FOR BUY BAD CHECK ANY QUESTION OR PROOF CALL ME AT MY NEW NUMBER  404-665-3161

I got a call from a Investigator Mel Clark.  Did you find out if this is a legitimate debt collector?

you sir are a nerd....no dates in highschool or college...if any...you flooded your self with useless information...tidbits of garbage...do u actually probe and look for new messages from people each day!! as long as people have bills their will be collectors...as long as people pass bad checks their will be investigators awaiting their demise or payment receipt...what you have all failed to know is that just like fdcpa is their and came about to protect consumers from debt collectors and their bad practices...their is also protection made to protect banks and pay day loan companies from people taking advantage of them for being the one to help consumers when they did not have the resources...some of you guys took out loans with no intention of making good on it....just how long did you think nothing would be done about it....think...eventually something is done about every problem......

@ Alfafa Hater-
What part of CIVIL did you not understand? What debt collector possibly has the authority to issue a warrant? DUH. The absolute ONLY thing a debt collector can do AT WORST is take you to court. And then a judge is going to listen to your case, your circumstances, and 9 times out of 10 (unless there are repeat offenses under your belt) is going to file a judgement against you to pay back the debt. The whole process costs more for the company filing than the actual debt is worth, seeing as how they buy the debt for pennies on the dollar, so it's not worth it to even take anyone to court. THERE IS NO DEBTOR'S PRISON IN THE US. These people are breaking a Federal Law by threatening legal action that is not theirs to take. Scare tactics work on the misinformed, which is why people search these forums- to become informed!

(((YAWN)))

If you were smart, you would contacted the attorney general in your state and then contacted a lawyer.  They have violated every fair debt collections law there is.  Your attorney general can help you go after these people.  Congress in acted the fair debt collections act to protect people like you, They have also violated the 3rd party disclosure act, and graham leach act.  Always make sure you save any voice mails from the company in question they can be used in a court of law against them.

If you are Mr. Beckham, and you work for this company, I am quite sure you know the collections laws.  I have every intention of having my attorney deal with your company thru  the court systems.  First of all if the check was given in regard to a debt, it is not consider a bad check.  A individual can not be sued for a check that was presented in order to pay a debt or bill that is owed.  You need to check your laws.  I encourage you to keep leaving your message just as you are.  Your threats are idle in regards to using the police dept, good phrase siting fraud in your voice mail.  The jury loves that, and by the way I believe a debt collector can be sued as an individual in the state of Georgia along with the company they are working for.  I hope your company backs you up in court

DON'T ERASE THE MESSAGE. THAT VOICE RECORDING IS GOLD!! DO NOT ERASE. MAKE COPIES OF IT AND HIRE AN ATTORNEY. GET READY TO GET PAID!!!

IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

I RECIEVED A PHONE CALL FROM DELANORE KEMPER AND ASSOCIATES AGENCY INREGARDS TO A BAD CHECK THAT I HAD OUT STANDING FOR ABOUT 2 YEARS I CAN HONESTLY ADMIT THAT I DID INTENTIONALLY TAKE OUT A LOAN AND SUMMITTED A BAD CHECKBECAUSE TIMES WERE HARD FOR ME... I CONSULTED WITH AN ATTORNEY BECAUSE I FELT THREATENED AT THE TIME AND HE INFACT TOLD ME THAT I HAD TO PAY IT OFF OR THAT I WOULD HAVE TO APPEAR IN COURT  BECAUSE IT IS A CIVIL MATTER WHEN BAD CHECKS ARE WRITTEN AND NOT RECOVERED.... IM GREATFUL THAT I HAD AN OPPORTUNITY TO  PAY THIS OFF BECAUSE ITS NOT WORTH IT.... JUST PAY  YOUR BILLS  AND STOP WRITTING BAD CHECKS TO EVERYONE THAT TAKE OUT THIS LOANS.........GOD BLESS

I just got the same call from this person.  I am going to call my atorney gerneral.

FDCPA, FCRA Laws are in fact Protection for the consumer from any UNFAIR collections practices.

The reality of it all people, When it comes to Bouncing a Bad Check in Most states, it is a Civil matter, and you can be required to appear before a Municipal Judge or Arbitrator.Thats a FACT, not a threat.

****Can I set the record straight for most you persons on here who aren't collecotr's, don't know the collections laws, have never worked in a Payday Loan store, or ever collected on a bad check for a payday loan? Thank you.


1) If you don't pay your bills, they Will be sent to collection agencies
2) Collections agencies CANT send you to jail, they cant put a warrant out for your arrest, regardless of the type of debt
3)If the bad check goes to an Attorney office or Investigation firm, and the Payday loan was reported as check fraud - it gets a little more serious and tricky because these people are usually Retained by the Payday loan companies
4)In most states, aside from all your other debt, (mortage, car loan, credit cards, bad debt, etc) WRITING A CHECK TO A FINANCIAL COMPANY THAT BOUNCES CAN BE CONSIDERED 'CHECK FRAUD' IF THE FUNDS ARE NEVER RECOVERED AND IT IS A CIVIL MATTER THAT "CAN" BE EASILY DEALT WITH IN YOUR LOCAL CIVIL COURT
5) The consumer protection Gurus out there have all the right intentions to want to protect Americas wallets, but they should not go into battle unless they are prepared with the right information (Per State Law) not Federal law. Again, it can be considered CHECK FRUAD in the STATES laws and go to court if not paid or recovered. FDCPA has no relevance to matters not considered under its jurisdiction.

A prime example: If you break a non criminal traffic law in your city, you go to your local court. Even though you have FEDERALLY protected rights against illegal and unfiar searches from the police and rights once arrested, you dont go to the Feds for a traffic Citation case (a civil matter), you go to your local courts.

The same goes for Check Fraud. In certain States of the USA, [which ever state that is for you], if you bounce a check against a FDIC insured account (meaning the feds own the account so they can make laws about it) it is considered a CIVIL Matter (in that state where the check was bounced). All civil matters [$$$, monetary funds, Money, Mulah, Cash, Dough) are under the jurisdiction of your local municipal Civil court. PERIOD!

Maxing out your credit card is not a civil matter, going negative in your checking account is not a civil matter, not paying your car payment is not a civil matter[they just repo the car]

America, do your own research, do your own homework on the laws rules and regulations that affect you. Don't let the small print in Payday Loans contracts and the Gurus of Consumer protection, blind you from know the truth.

As a Collector in the collections industry, I challenge you to call that 800, 877, 866 number thats keeps poping up on your caller id, and pay your Payday Loan off. Get a settlement, make an arrangement to pay, because truthfully, we shouldn't have to threaten you with jail time and court appearances to get you to pay your debt. In your defense, I urge you to dispute your credit card charges, charged off credit cards and any other unsecured debt from now until kingdom come. Those thieves have gotten enough money and just want more. Greedy!

Check out (678)500-8466
More complaints on a Mel Clark working for this company.

Yes  getting the same calls from some lady named Tracy Morgan. At first she was calling about check fraud from some payday loan she said I never paid, which by the way is NOT check fraud. When going thru my records, thank God I kept my reciepts I realized she was talking about a debt to which I have Paid In Full!! What it looks like is they bought my info and are trying to make me pay it again using these
scare tatics and harassing me. Well I took ur advice and sent a DV because this collection agency tld me to pay right now or will send out a warrant because they did not have "time" to validate. So I sent out a DV and I got a message from Tracy saying they got my letter and that I needed to talk to manager. I than got another voicemail from some guy Sergio   , proceeded by 2 calls from autodialer. When I finally talked to them, Very RUDE, did not want to let me speak. I told them do not call me, ureciwved my DV letter in mail I expect the validation by MAIL in return.  Than the "manager" told Tracy to hang up on me, but i fear it's not over.  What else can I do to protect myself n to make sure this doestnt go on my credit report, which I included in my DV.. And2nd to those being called, u prob don't owe anything like me but they are trying to bully me into "settling" by giving me a bill TWICE of orginal amt.. These guys are scam artist!!!! Help!

Investigator Mel Clark called my place of emplyment with this same mess. I was scared out of my mind because I did get a PayDay loan over two  years ago and they had all of my information! Mel Clark said that he was going to send out his unit to pick me up at my job now if I did not pay. He also said that it was Check Fraud. But when I gave my information then he said he would stop them from coming and he was talking to people in the background and everything; so I was for sure that it was for real. I am glad I did find this site. I will pay but I do not appreciate their tactics and playing with people about their freedom! That is just wrong.

I got the same man calling me at work and my lawyer says he is violating all the Fair Debt Collection rules.  He states he is the lead investigator for a magistrate court and they have a warrant for my arrest for a debt I owe.  He works for Delanor Kemper & Assoc. and they are under investigation themselves for unfair debt collection practices.

Threatening with coming to my job and arresting me.

And how did you handle that?

I have a lot of experience with these types of companies.

#1-THey need to provide proof of debt
#2-it is illegal to threaten you with Jailtime, you already have a case on them
#3-Payday loans are illegal because the interest is above what by law they can charge.

Tell them you want to go to court.  They won't bother you again.

Go [***] yourself!  Put that in your report.