7604231100

Got calls, 3 in a row, on my cell phone.  Number on caller ID is 760-423-1100. I didn't pick up, They left a message, telling me it's in my best interest to call back blah blah. "CPS"  Jamie Russell, 80/460-0082 ext 112. I'm going to try and find a website, use my general email addy, and email them a cease and desist.  I have no clue what they're talking about.

Go to the police, file a report now. Got same call today. Checked with the bank I have never received money at by internet deposit !!!!!!!!!!!!!!! Scam scam scam!!!!!!!!!!

Just received a call from Melissa, CPS who wants to verify some information before she goes ahead and garnishes my wages. I told her I don't know what she is talking about and that I'm at work and need her number to call her back. She gave me the number listed above. I'm going to call her and give her the information I read above from Bud Hibbs.

threatening to Garnish your wages is illegal.   Its intended to cause panic so they do not have to PROVE as required by law that the debt is valid and owed and they are also REQUIRED to let you to dispute it and provide on instructions on how do it

When they start with ILLEGAL threats - it means they cannot prove it and they are NOT licensed in your state to collect.

They CANNOT garnish wages without filing a lawsuit and WINNING.

1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you.

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt — or any debt for that matter — can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don’t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you’ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you’ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again — except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn’t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney’s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
October 2004

I myself just received a letter from this company located in Indian Wells, CA stating I owed over 2K on a "debt" from a company I never even dealt with.  I have ZERO debt.  Unfortunately, I was curious and called them back and left a voicemail with my phone number.  Mistake #1.  Now they have already called and left a voicemail.  I am submitting the ill written letter to the local police department.  I wish these guys could be stopped.  There are so many articles online written about Nationwide Capital Recovery saying how they are fraud/scam artists, etc...but why is NOTHING being done about it?!?!

Had a message on my voice mail at the office from a Ms. Rias (at least that is what it sounded like). Saying that in was in reference to a case # blah blah blah... I have no outstanding bills and these people will NEVER get one thin dime from me! EVER!!!

1100? HA! How about NOTHING you [***]!

Yes, I got a call from this number.  They left me a message at work.  She said her name was Margarita, that she was from CPS and that it was important that I return her call.  To me CPS means Child Protective Services.  And they are someone I don't want anything to do with.  The number is 760-432-1100 ext. 150.  When I returned the call on Thursday at 8:40 am they said that I was calling them during closing hours.  WOW,  who are they.

I have being getting harassing calls from this CPS company thinking they were a legal company till I checked the FBI website and checked these 7604231100 and 7604231144 numbers no this website.  This company has called me at work, home, cell and my relatives looking for a payment for a delinquent loan. They had my information and was determined to get paid. They told me I didn’t need to call the creditor because they were the point of contact. I paid the the first payment but it just did not seem right even after I researched the CPS "Cash Protection Services" The person as I spoke to introduced himself as Robert  Smith at Ext 111. You have predatory lending ,well you have predatory collectors. Very, very, very warmed you over with kindness sutble.

JOHN LARGO is Benjamin Marauder a thief and lier. Also a tyrannical fat fairy queen that pitches a hysterical fit, if you ask for his address or ask any legitimant questions about why you should western union him $400 asap. This little girl blew her nose gasket when I asked him, to validate and prove I owed a debt and tell me whom. He went bizerko and wild. Childish behavior. Most defintely a big fraud. I'm calling him soon, and will record it and put it on my youtube channel and local news. everyone stand firm this is a illegal operation.

Caller said John largo is insane, from check protective service, accused me of writing a bad check. Was rude and harsh. Would not give me any information on when and where check was written he hung up cussing me
i checked with my banks and thought hard about this and i have never written a bad check so i call him back and tell him he has made a mistake he was rude and said he would be suing my F@SS. then i said for what and who he would never tell me. i know i have no check but he keeps callin screaming i think he needs to go to a sanitarium he is crazy,
watch out for this one he is insane and thinks people are stupid enough to fall for his tricks or are scared because he's having a temper tantrum over the phone, that don't scare me, he is just showing how ignorant he is. this is not a company this is a insane asylum

Lately been getting calls from a John Largoe from check protection services. He is rude and vulgar, called me a deadbeat piece of horse @@@t. told me I borrowed $3000 from Soloman and I said no I borrowed 200 from them in 2009 and it was long ago paid off and I said, sir please check your information, he hung up, then I called Soloman and they said they never put me in collections, so I found my old records and told John Largo I would fax them to him and he said hold on and a guy came on the phone saying he was Tucker from crime investigations and i needed to send payments today or he would see me in civil something and I said no, please sir let me fax the information and he said you are on my list for wage garnishment, and he hung up I then called Solomon and called John Largo and went to three way and Ann from Soloman told him I was a 2009 customer in good standing and they didn't give $3000 loans, he quickly hung up. They are frauds, they steal your applications from the internet and harass you until you let them know your not going to take it and your definitely not going to send them any money. I pay my debts and don't need hassles from criminals. This man is not stupid, he is insane and has mental issues obviously, he was screaming at me so loud and cursing that he lost his breath. I thought he was going into cardiac arrest a few times, and it was funny. hey John, call me. or better yet, jump in front of a train and put yourself out of your misery. Check protection services is a scam. be careful with them. They are also insane and mentally deranged. They are not a business, no reputable business behaves like this. Hey guys don't be scared of them, they cannot sue you, they cannot garnish your wages, they have no power. all they can do is sit on their lazy butts and call you and they will scream at you, yell, threaten jail, the until they realize you are not going to send them one dime and then they will stop. To the folks that are getting calls at your job, send them a certified cease and desist letter (just google it from the internet)call your phone company and call your local police and tell them you are constantly being harassed by these people on your job and home then prosecute them for telephone harassment if they keep calling. That's why I like it when they call me at work, I have recordings and witnesses. Don't let these criminals punk you out, handle them..This works. Oh, and just go to the police dept and say you want to file telephone harassment on Check Protection services, maurauder, Collections Protection Service, they have many names , and all the info is on the internet, they being exposed also in Youtube, just research these fraudsters and keep your money for REAL creditors.

They use names like John Largo, emily tucker, Mr. Tucker, and the list goes on,. They call themselves Check Protection services, Collections Protection Services, box , and the list goes on but the Real culprit is: Look Below

Ryon Gambill conducts identity theft with Experian files.

He creates debts you never owed and harasses until you pay.

He wrecks your credit until you pay him to stop.

He makes you pay through Western Union.

Enough is enough.

Call him and tell him what you think.

760 423-1100
760 423-1111

Write to his family. They need to know where the botox, ski trips, iPad, SUV and private Kenny Chesney concert money came from.

Mrs. Kim Gambill
75147 La Sierra Drive
Palm Desert
California 92211

In reply to Bernita, you are exactly right 100%. They told me they were collection for Ace Finance, and I knew I had paid Ace Finance almost 2 years ago and I stopped getting loans two years ago so I knew they were liars. They threatened me with wage garnishment, jail and to call all my neighbors and a guy name John Largo which is like you said just an aliases was rude, tyrannical, and screamed at me. He was having a fit over the phone because I wanted information. I told him I wasn't going to wire him any money and he said you better watch your back, I called Ace and they told me that this was a scam and this company is under investigation.  This guy needs to go to jail. It's a shame someone can use technology to steal and then harass people.  I have had a bill collector call me before several years ago and they were not like this at all. They validated the debt gave me the information I asked for and DID NOT ask me to wire money. I set up a payment plan and got it paid by money orders not instant wire.  This guy is out to make a fast buck from people that do not owe.  Thanks bernita your post is right on the money.  If they call you do not send money, this man is a lier, cheat, and a fraud and evidently he is on drugs the way he called me 10 times in a row screaming like a mad

Beware these people are scam artists!!! They do not have a license to collect debts at all. They are going around contacting customers of other companies and telling them to pay their debts and they receive the money then they keep it!!! You then still have the debt you had with the company you owed!!! They are fraud. Under no circumstances send them or make payment arrangements with them contact your debt company personally and report them to the authorities. They are being investigated. Also the names that they portray is just one person!!!! Beware!! Beware!!! Fraud company

A 800-860-6590 number on my caller ID lead me to this number and your posts. These guys always have many phone numbers they skipe from. Yes ask for validation of any monies someone says you owe... its the law they must provide this , if they say they already did (and you never received because they are a scam) Demand it again! They will not perform this deed because then they are in it for MAIL FRAUD ! The US government then would be ON there [***] and as we all know defrauding the US government is serious JAIL time once again for these FELONS ( they have been in prison once before as stated on the news) ! I have had dealings with people just like these guys before with all the lie's and threats and even fake calls to my boss but they where India based !
A nation wide alreat was issued around the states about these guys form the BBB... do not give them account info nor $$$$$. Its an ongoing scam across the USA and is even based out side of the country! They have made millions off of many poor souls with there NAZI fear tactics ! There style is that as if someone was holding a gun to your child , wife or you demading your money BUT stating you owed it to them anyway.A Thief  will also lie to you folks! They by LAW are to PROVE to you by all the LAWS put into place decades ago in our great land that you MUST have WRITTEN proof of any monies owed out to anyone and that they are licensed and a real company with there biz name and real address and whom there client is on this supposed collection against you... other wise RED FLAG! SCAM>>>SCAM!!!!!!!!!!!!!!!!!!!!!!!!!!!

We all need to go after the payday loan companies that either sold our information or had a breach of security and let it get stolen......If we go after them then this will stop and by all means don't pay these jerks and that will stop it......Anyway whose dumb enough to pay them....Let's join forces and ask our Attorney Generals to start lawsuits against the companies that sold or had our information and let it get stolen.

Now, to keep yourself out of trouble, put a freeze on your credit, if these jerks call you and also change your bank account or if you want to use the same bank, just get your account number changed.

A stupid idiot that thought I was stupid called me and said he was from check protection services and I had a bad check in which I did not. I haven't written a check in almost 4 years and I called my bank and they verified my account was in good standing. This man flat lied and tried to con money out of me, he was very irate and rude and tried to scare me but Jon Largo, bitchhh, I ain't scared of you and you can lie all you want, said he was gonna garnish my wages, well I'm self employed and I ain't gonna garnish nothing, of course that was a lie. People don't let them trick you, they cannot do anything to you, I've had this verified by a lawyer, all they can do is call you, but then you can bust them with telephone harassment. I hate Jon Largo dies a slow and painful death for his lies.

Now Ryon Gambill is back to using the name, Check Protection Services. This way he can still scare people with the claim of being CPS.

The truth is all the complaints and so on have outed his Marauder identity.

If you want to get serious with this guy sue him and complain about him.

He works out of the back room of his house:

75147 La Sierra Drive Palm Desert CA 92211

Send the lawsuits there along with cease and desist letter.

There's a guy in California called Ryon Gambill who is a known debt harasser. He has had a bunch of company names, such as Marauder Corporation, Check Protocol Services, Collection Protection Systems and Bill Collector in a Box. Note that he likes the initials CPS as he can send that on call id and people think it is Child Protection Services.

He has a criminal record and outstanding arrest warrants. Some day Dog the Bounty Hunter will grab him.

He scammed a couple of pay day loan places out of their databases. He also gets your files from Experian, Transunion and Equifax credit reporters.

He’s done some kind of deal with call centers in India as he hopes to keep his name out of it as his name is well known.

RYON GAMBILL IS BEHIND THESE CALLS.

But now that you know who he is you can report him and complain.

His email is rgambill <at> collection-professionals <dot> com

His HOME ADDRESS is 75147 La Sierra Drive Palm Desert California 92211. He works with his wife Kim Edwards, she's part of it too. She uses her iPad to shop for Botox. She gets the money for this stuff through these scams.

If you want to call this guy his phones are: (760) 423-1111 or (760) 423-1100.

Google him and see what a crook and loser he is.

This guy called me from 760-423-1100 said his name was John Largo and told my co-workers that he was from Check Protection Services and I needed to call him asap....He made it look like I was in some sort of trouble.....So I called and he said I had written a bad check and I said no, I haven't you have the wrong person, and he said no, my bank account was closed because I had written bad checks.......Well all that is a lie, no such thing. He said I was gonna pay him, and I asked for his address and he become hostile and rude, attacking me saying I was a looser and he was going to get the money out of my wages....This was upsetting to have someone call me out of the blue and accuse me of something like this. I called my bank to make sure someone everything was ok, and they said my account was in goodstanding and they had no record of a bad check on me. I knew this but the way this guy came at me was very very upsetting. This person is very deranged and dangerous. I have reported him to all the agencies I could think of; I want rest until I see him go down for attacking me so cruely...He ran my blood pressure up and made me sick.   This man is a scam and a crook. What makes him think he has the right to call me and torment me like that.  I hope God in Heaven punishes him with adbominable pain, he is the worst person I've ever encountered over the phone....He is a coward and a bully.  I hope he dies a slow painful death.