470-948-4031

Sent text about delivery of legal documents

Got a mysterious text from a 202 number stating the following:
PROCESSING DIVISION:  P, DUE TO YOUR FAILURE TO RESPOND, A VOLUNTARY DEFAULT IS BEING ENTERED ON YOUR BEHALF FOR $2641.56! IF YOU HAVE UPDATED YOUR ACCOUNT THEN DISREGARD THIS MESSAGE! IF YOU HAVE ANY QUESTIONS CONTACT THE SUPPORT CENTER FOR HELP! (470) 948-4031 TO OPT OUT REPLY STOP OR HELP

I called the 470 and someone answered saying thanks for holding how can I direct your call. No company provided.

I got a text about legal documents being served for a payday loan from a Timely Payday for $300 that I never ever got. Now they are extorting me for $2600+. This sells of a payday loan scam.

Got a text saying my address was confirmed and steve garland would deliver the two summons or legal documents and to have two kinds of i.d. ready.

Also received calls about phony pay day loans I never took out and have no idea how they got my SSN and my address from also the 470 number text me about legal documents also so this screams scam to me.

The fake process server/location specialist scam usually contains:

They mention that they have received a Fax document or that some sort of complaint has “come across my desk” and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  They threaten to serve you at home or at work.  They tell you that if they serve you at work they need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and have to be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there is actually a lawsuit that has been filed against you.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication 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. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

It’s a scam beware

called me about stating legal documents

Sent text about about some legal documents. Oz this a scam?

Quote:

Oz this a scam?

Since that question has already been answered in this thread I have to wonder why you are asking it?

Got one spam call two weeks ago saying Steve garland was delivering documents and it never happened. Got another voicemail today saying I needed to contact a Richard Carmichael the same 4709484031. There voicemail goes to legal service experts. But they don’t have a website or nothing so they aren’t legit. It’s definetly a scam. Wish they would stop calling me. Can’t leave them a voicemail either.

"this is richard carmichael with legal service i've got a time sensitive legal matter that i need to speak to you about contact me at 470-948-4031"

the message was a recorded voice vs a real person

same here I wish this could be reported to the police or fbi or where ever to stop this people uuughhhhhh

Uuuugggghhh is how you should feel if you are not willing to read up on how you can report such calls and what you can do to try stopping them.

Says he has legal documents to discuss.

Same message. Call 470-948-4031 in recorded voice. Time sensitive matter

Richard Carmichael on a recorded message, said he needed to discuss a time sensitive legal matter with me, I apparently already blocked that # because it was on my voicemail, I'm Supposed to be on the National DO NOT CALL list, So much for that I guess, Sounded like a Big Time SCAM

Quote:

I'm Supposed to be on the National DO NOT CALL list, So much for that I guess,

I have to wonder why you brought that up since you perfectly well know that list does not apply to this type of call?

Service address verified: , our process server, richard carmichael has picked up your legal documents! Id is required to ensure proper service at your home or place of employment. Contact support for help! (470) 293-4650

Same thing via text message. Process server coming to my home or business. I work in the legal field, so we did a quick check of all courts in our area. No cases. My boss then called the 407 number, Service Experts out of Georgia. However the number is not registered, and outside of 800notes, there is no record of a business attached to this number. As others have said here, if you ever get a text or VM like this, check your county’s court records to see if there are any open cases with your name. Service of process generally requires an open case civilly.