716-777-4388

omg this company is such a scam

They scammed me into thinking someone had stolen my identity and was using cancelled checks from a closed bank account to take out pay day loans- told me there was a warrant out for my arrest. I ACTUALLY PAID THEM. Hoping my credit card service will reimburse me. I can't believe I fell for it. So mad at myself.

they were going to have me arrested for check fraud if I didn't start making payments. They've taken three payments so far. they want to collect 8 more for a total of $550. I'm putting a stop to this.

If you had committed check fraud you would have heard from the District Attorney.  No debt collector has law enforcement powers.  Read the following:
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, etc. all for an alleged or nonexistent debt.
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 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