682-301-4955

+16823014955 Add - Glendale, TX
7/22/15 1:24 PM 21 hours ago

Good afternoon, My name is Amy Baker with you. Clark Law Firm. This message is intended for William ---------- Mr. --------, I need to hear from you today regarding your arrest warrants you failed to respond to the 10 day court notifications call me back at the firm (682) 301-4955. Good Luck. William.

pay day loan collections.

Nothing filed in my local court. local sheriff has no warrant for me. I do have an outstanding debt  but it is less than $500.

>> pay day loan collections. <<

Some Payday Loan lenders will attempt to convince the borrower that the check they left is fraudulent, and the lender will file a fraud case.  Borrowers should read this:

http://www.in.gov/dfi/FAQ_-_Check_fraud_.pdf

The important paragraph in that PDF is:
"... if the small lender knew, at time of receipt, that the account had insufficient funds, or that the check was postdated, the issuer has not committed the crime of Check Deception"

(Although that is a citation from Indiana law, the laws are similar in most  states that permit payday loans)

Here is a citation from the Uniform Commercial Code (UCC), which is valid in ALL 50 states:

Section 3-104(2)(b) of the UCC, defines a check as “a draft drawn on a bank and payable on demand.” A postdated check, since it is not payable on demand, does not satisfy this demand. Consequently, it has generally been held by most states that the giving of a post-dated check does not constitute a present fraud nor is it within the scope of the bad check laws.

Yes, borrowers should pay their debts, but lenders must (by law) follow the correct procedures to collect those debts.  A summary of the Fair Debt Collection Practices Act (FDCPA) is here:
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

More information,from the FCC, on loans and how to report debt collector violations:
http://www.consumer.ftc.gov/articles/0149-debt-collection

Recent news, stating the FTC DOES shut down these scammers!
https://800notes.com/forum/ta-a42dc4be97913e8 ... ection-scammers
and
http://www.consumerfinance.gov/newsroom/cfpb- ... -cycle-of-debt/

Regardless william you should of paid what you owed, those people helped you when you needed the money. Thief, you should of just paid them back, you wouldnt of got a call in the first place.

So tell me Sarah, does it also make me a thief that I, too, have a debt of less than $500 and they call me with the same message, although I lost my job due to medical issues, wasn't able to pay them back immediately, and now am unable to work and continue getting denied for disability? Some things are beyond our control and, although, we have have good intentions, just aren't possible at the moment. I held my account in perfect status for over a year and a half, until a chain of UNEXPECTED events, completely OUT OF MY CONTROL, can't tumbling upon me. I have given these people my information to take 5 TIMES the amount I actually owe. They didn't charge my card. That's not my problem. They had their opportunity. They passed on it so that they could keep harassing and scare people into paying the full amount owed at once. If you aren't here to help the forum, you're part of the problem. Please excuse yourself from the discussion.

William did u find any new info about this number?  I got a call from them to saying they were gonna send a warrant out for my arrest.  Same lady Amy baker called.

Hear any information about this number?  I got a call saying they are gonna issue an arrest warrant out for my arrest at 3:00pm. Is this a scam u think?

Yes your a thief too starr, dont borrow money you cant pay back, your life situations dont superceed the law, and yeah, im not gonna excuse my-self from anything, rather its a debt or a law-suit, if u would of just done what your suppose to neither anyone would be in this situation.

Jay, you need to re-read Slim's post (above).

And a few more things;
- Companies cannot issue arrest warrants. Only those in the judicial system can issue warrants. They need to be petitioned by attorneys, and signed by a judge.
-You cannot be arrested for ordinary debt in the United States and Canada. There are no debtors prisons here.
-If there were ACTUALLY an arrest warrant with your name on it, your local courthouse would have it. Look up the number independently, and call them. I'm willing to bet there is no arrest warrant for you
-IF THERE WERE, however, no one will EVER call you to tell you they are coming to arrest you, or serve you papers. Process servers only get paid if they deliver your paperwork, and if you hide, they won't get paid, so, they won't tell you they're coming.
-Threats of arrest and putting holds on SSN's and other things like that are common scare tactics used by "debt collectors" who are trying to collect on a  debt they cannot legally collect on. If they COULD legally collect on the debt, they wouldn't have to resort to scare tactics.
-REAL debt collectors will send you (because they are required to, by law) a 'DEBT VALIDATION'. This is sent through the mail (USPS) with a stamp on it (e-mail, fax, texts, carrier pigeon, smoke signals...none of those count) and tell you when you incurred the debt, to whom you owe the original debt, and how to proceed if you don't think you owe the amount, or if your records reflect a different amount. Remember, this is REQUIRED BY LAW to be sent to you within 5 days from initial contact (on the company behalf)

http://www.consumer.ftc.gov/articles/0149-debt-collection
This link takes you to the FTC's website and gives you all the rules debt collectors must follow. It also (at the bottom) provides links to where you can report any debt collector who isn't following the law.

Au Contaire! The truth of the matter is that it's you that is the only one in any "position" here. You're a fraudulent debt collector working for bogus outfit who doesn't hold any valid title to any valid debt. You can only rely on empty threats & your ability as a liar to try & extract money from your targets. You're here because you've noticed that people are catching on to your ploys & you've mistakenly thought that you might be able to post some "damage control" here.
Well guess what Shill? You've failed. Badly. Your lack of an education is glaringly apparent & far better than you have tried to do what you're doing. They always fail miserably. What on earth would lead you to believe that the likes of you could possibly do better? It's always very easy to expose you scammers for what you are. We simply demand that you provide us with your valid physical address. Legitimate debt collection companies are always forthcoming with their credentials. Which is one reason that legitimate DCAs never have idiots like you post here. They know what will be waiting for them. Only the frauds & scammers are foolish enough to come here & post BS. We see fools like you all the time. None of you are ever hired for your intelligence.
Now run along & don't come back. You really aren't up to getting in to any legal debates on this site. Truth be told, you're not up to getting in to a debate of any kind on this site. But, as I said, you weren't hired for your intelligence. You'll probably have to come back & make a bigger fool of yourself. So be it. We'll be waiting.
Skeff Ett Liv!
Gunnar

Debts are civil and not criminal matters...

Furthermore---people are being harassed for debts they do not owe, belong to someone else, were discharged in bankruptcy, have been paid or the SOL has expired.

Thanks for playing.

I paid them $500.... are you Kidding me?

How did "Clark Law Firm" morph into
Caller: att office
Call Type: Non-profit Organization

Strongly suggest you try reading my previous post, as well as those from other registered 800notes users, for understanding.

If you really sent them $500 to avoid being served a warrant, you were definitely scammed.

Reply to this post, and we will try to give you official links to places at which you can complain, or learn more about phone scams.

I received a call from this number stating I owed on a payday loan. They told me I had to pay before close of business today or there will be an arrest warrant for my arrest. I always Google everything and after seeing these post I will make my payment to the clerk of court and if they are legit which it doesn't sound like they are they can collect from them.

All of u steal money, and think u can get away with it, guess what, god has a place for all of u, s.O.B u will see... Just wait,,,,,,,,,,