800-918-3844

I got a call for my husband today from "Elizabeth Lattimore" from this 800#.  My caller ID said 404-000-4321.  She was very rude & vague about the exact debt she was trying to collect, but she had my email address (scary!!) and said we were being investigated from March 23 0f 2007 and I had better take it serious, since it involves me too.  Someone will be out to pick us up.  What is my recourse?? I may owe a payday loan, but I am almost positive we paid it off.  help!

mkvan, just ignore their threats; it's a scam. Anytime someone calls you and demands money to prevent you from being arrested or charged for a crime, it is ALWAYS a scam.  So you can relax.

See my message above from March 5 for information as to whose these criminals are and how you can report them to federal and state law enforcement.  Good luck.

Follow ec's advice as posted above on 3/5. THIS IS A CRIMINAL OPERATION. THE MORE COMPLAINTS WHICH ARE GENERATED, THE FASTER THEY WILL BE SHUT DOWN!

ec -- you are very persistent and it hasn't been mentioned but THANK YOU for your relentless-ness in providing and updating this information.

I think ALL of us that have been in contact with this "business" are beyond thankful for your advice and tenacity in distributing that advice.

THANK YOU. Also, my heart goes out to those that were immediately scared into action and gave money to these crooks. Good luck to you!

Also, I am torn whether I call them and humour them or whether I just follow ec's advice and contact the proper authorities that I was contacted.  Do I have anything to report if I actually didn't speak directly to them?

As in previous posts, I have been pretty active over the past couple days in finding as much info out about them as possible....using much of what EC has said and the links he has provided.

I have even called them to the point where they have asked ME to stop calling them, and even said PLEASE!!!  LOL

I also now have a full conversation on recording, and even warned them "So you are recording this, because I am too...." and Amanada Hawkins said yes this is being recorded.....

I have a recording of her saying that I "can be arrested if I dont pay before such and such time"....which is SOOO Illeagal.

They have definately called the wrong person when it comes to me, and the people I work with and Know....so lets all keep up the good work of posting what they are saying, and eventually they WILL actually have someone coming to arrest THEM...

CB

Glad to help! :)

WHAT I HONESTLY DONT UNDERSTAND WHY PEOPLE TAKE TIME TO GET THESE INTERNET LOANS AND JST SIMPLY NOT PAY IT BACK?
TRUTHFULLY, IVE DONE THEM... YES I DEFAULTED & I PAID THEM BACK... BE TRUTHFUL WITH YOURSELVES AND ATLEAST PAY WHAT YOU OWE BACK...
YOU KNOW THAT IT WAS DONE, ITS NOT HARD TO TRACE BACK THINGS ESPECIALLY IF IT WAS DONE ON THE INTERNET... AND IF IT WAS A CRIME... NONE OF THIS POSTING NON-SCENCE WOULD BE ON HERE CAS ALL OF US WOULD BE IN JAIL!!


I HESITATED ON PAYING BUT I KNEW THAT I GOT THE MONEY...
FESS-UP FOR ONCE...
THESE DAMN BILL COLLECTORS MAKE A LIVING TO JUST LIKE US!!!!

EITHER STOP TRYING TO BORROW MONEY THAT CANT BE RETURNED, GET A DAMN JOB OR A DAMN RAISE OR PAY THE DAMN THING SO EVERYONE CAN BE F*CKING HAPPY!





FROM A PERSON "FREE & CLEAR OF DEBT"


HATERS ARE WELCOME!

It isnt that fact of a Debt being owed or payment / non-payment that is in question...its the fact of HOW and in WHAT MANNER this supposed debt is being collected....UNLAWFULLY!!!

Everyone does make mistakes, and yes we all have to take care of things in the right manner, but those "Bill Collectors" who you say have to make a living, have to also follow the same laws and abide by them just like anyone else.

In my research, and finally getting an answer out of them, I found the "Allegations" they had on me were completely false and unwarranted...but they did not admit to that until I as well as my attorney baraded them to do so.....so that means if I HAD PAID THEM, then I would have been SCAMMED, and that pisses me off to no end KNOWING that I was almost SCARED into paying these idiots for something I DID NOT OWE.

What they tried to do was CRIMINAL, in both Context and Application...so I feel no pity for them or the "living " they are trying to make....and no one else should either.

And if you are a Part of the group we are talking about here....(How else would you have even known where to look....you dont just stumble across this website) then Im telling you to your face you are a crook, doing things in a criminal manner, and you WILL have your day coming to you!

Exactly, CB--

Collecting on an alledged debt isn't illegal. It's HOW these crooks are doing it, which has prompted prosecution efforts on the part of Florida AG Bill McCollum, as well as hundreds (and, perhaps even THOUSANDS) of consumer complaints against them.

They have broken just about every FDCPA statute in the process. But, what is so disturbing about them is their blatant threats of extortion:

*********** CONSUMER WARNING: *********** EXTORTION IS A FELONY IN ALL STATES. IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME.

extortion
n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.

See also: blackmail robbery theft

http://www.budhibbs.com/

False report.

Do you really bexpect anyone to believe this crapola? You are not a consumer who took out a loan but, in fact, one of the scamsters involved in this phishing operation.

You and your fellow scamsters must be feeling the heat to stoop to posting false messages here. Don't worry, though - I am sure you will enjoy being the belle of the cellblock.

I received a call from these people @ 800-918-3844 Thomas Brown. He acted as though he had no idea what company or anything he was representing. I spoke to some woman who stated to speak to Hilary Romano. And it struck me I spoke to this woman back in Dec 07. She was very rude threatened to have someone come to my job to take me to jail if I did not pay something on the now $730 bal.She gave a Bank Of America Bank account number in which I gave her $100. I never heard anything else from them until today. She asked why haven't I paid it I told her I spoke to an attorney and they wanted to speak to them she asked what can they do and hung up. Please do not pay anything and I am filing an complaint as well.

The same thing happend to me a Liz Latimore contacted me at my home as well as work. I never give out my home # nor is it listed. She said I owed two compaines a debt. When I was asking to make payment arangements she only wanted payments like 200.00 here 400.00 nothing smaller and said the police were coming to my job to escort me out and i needed an attorny and good luck. I wish i could find this company i would get these scammers. They have called my job several times its unbeliveable. I have paid them 200.00 so far but. I am not paying another damn dime .

Dont worry, we all want to find them....and so far I have done some major digging and talked to a Lot of people regarding these folks.

I think they are associated with a Payday-Loan place that was doing business illeagally as well....Astro Lending under Freedom Federal Bank...part of "The BMG Group"

Everything about these people is Non-Legit...dont pay them anything!

Make sure you go to that Bud Hibbs website and send them an email regarding your situation...

Also, States Predisposition used to call themselves "Jackson / Phillips"....the same people who are being sued in Florida.

Just found this link guys and gals:

http://www.statespredisposition.com/

Calle the IT company that is doing their website and asked if they knew the kind of people they were doing business with....and was told:

"I dont research all of my customers and could care less what they do with their business....thats their business"

Told him he may want to google "States Predisposition Services" and do a little digging on these folks at least.

Seems every person these people touch or do business with are just as rude and uncaring...

I just recieved a call from this Kathleen kerr telling me about 3 vilolations, I aksed her for all her information. she did not want to give it to me but I told her I was going to sue her for harrassing ame at work.  She was a little hesitant but she claims she is in ST. Mary's Georgia.  I don't know if it's true but I will find out

HEY EVERYONE,
    I RECV'D A CALL FROM JOE GREEN, A "CUSTOMER SERVICE REP" THAT WORKS FOR THIS COMPANY.  PLEASE DO NOT ENTERTAIN THESE CSR/BILL COLLECTORS...LOL...LIKE ME, MOST OF YOU PROBABLY HAD A PAYDAY LOAN/CASH ADVANCE OF SOME TYPE, AND THESE PEOPLE ARE CALLING FROM A THIRD-PARTY COLLECTION AGENCY.  I AM A FORMER LOAN OFFICER, AND WHILE EMPLOYED FOR A PAYDAY LOAN COMPANY, THEY INSTRUCTED US TO USE THESE TACTICS TO GET PEOPLE TO PAY THEIR DEBTS OFF WITH US.  PLEASE DO NOT LET THESE PEOPLE UPSET YOU, YOUR FAMILY AND/OR YOUR LIFE. TWO WAYS TO FLIP THE SCRIPT AND MAKE THEM GO RUNNING FOR THE HILLS ARE TO: 1. ASK THEM FOR THEIR ADDRESS, WHICH THE WILL TRY NOT TO GIVE YOU, IF YOU ARE LUCKY ENOUGH TO SOME HOW GET IT, WRITE THEM A LETTER STATING THEY ARE NOT TO CALL YOU AGAIN, THIS IS A FORM OF HARASSMENT AND YOU HAVE THE LEGAL RIGHT TO SUE THEM IF THE CALL YOU AGAIN...ALL CALLS STOP IMMEDIATELY, B/C YOU CAN LEGALLY SUE THEM IF YOU SEND THEM A WRITTEN REQUEST NOT TO CONTACT YOU.  2. THREATEN TO CALL YOUR ATTORNEY GENERALS OFFICE AND REPORT THEM, THEY WILL HANG UP IMMEDIATELY...PLEASE DO NOT GO OUT OF YOUR WAY TO HIRE AN ATTORNEY OR DRIVE YOURSELF CRAZY.  THEY ARE ONLY HUMAN, AND THEY HAVE A JOB THEY PROBABLY HATE...GOOD LUCK ALL:)

CB,

When I looked into their website a few weeks ago, the first thing I noticed is that it's hosted by a company Jacksonville, FL. Jacksonville, of course, is where the Bass scam was/is based. This just bolstered my suspicion that the Jackson clan/States Predisposition never really left Florida, and that the two addresses in Georgia are merely fronts used for nothing other than establishing an address from which to incorporate and to re-route phone calls. My guess: all their calls originate in Florida (probably Jacksonville) and are then routed through a universal phone answering/forwarding service.

Interestingly, their website name is registered by Domain Bank/Dotster/PrivacyPost, a company in Vancouver, Washington that allows people to anonymously register domain names. Here's the registration information:

http://www.networksolutions.com/whois/results.jsp;jsessionid=1e9d4008a6d13ffffffffc9ee90be8e7e168:pN5Y?domain=statespredisposition.com
Registrant:
c/o STATESPREDISPOSITION.COM
P.O. Box 821650
Vancouver, WA  98682
US

Registrar: DOMAINBANK
Domain Name: STATESPREDISPOSITION.COM
Created on: 13-AUG-07
Expires on: 13-AUG-09
Last Updated on: 13-AUG-07

Administrative Contact:
PCJXFP@privacypost.com
c/o STATESPREDISPOSITION.COM
P.O. Box 821650
Vancouver, WA  98682
US
1.360-449-5933

Even more interesting is the matter of States Predisposition incorporating in Georgia.  In this Florida Times-Union article from late last year -- http://www.jacksonville.com/tu-online/stories/120107/met_221875639.shtml -- it's noted that city hall records in Folkston, Georgia "show that a business license was issued in June to Bass officials Frank and Evelyn Jackson to establish a collection agency called States Predisposition Services Inc."  A check of the Georgia Secretary of State's website shows that States Pre-disposition Services incorporated in Georgia on June 18, 2007, just two weeks before Bill McCollum announced Florida's lawsuit against Bass. (Source: http://corp.sos.state.ga.us/corp/soskb/Corp.asp?1330478 and http://corp.sos.state.ga.us/imaging/14309532.pdf )  Oddly, Frank Jackson and Evelyn Jackson are not listed anywhere in the articles of incorporation. The only name in the filing is listed as a corporation "officer" with the title of "incorporator":

Roberto Neuberger
18100 W Dixie Hwy Suite 202
Miami  FL  33160

A quick Google check hows that Neuberger is with a company that provides incorporation services to businesses. So I doubt Neuberger has anything to do with the States Predisposition's operations; I think he was just paid to file the States Predisposition's articles of incorporation in Georgia.  (I'm curious, though, how someone can form a corporation in Georgia without any record of the corporation owners or officers on file with the state.)

In the many 800Notes reports, we've seen these two addresses for States Predisposition:

States Predisposition
1204 S 2 St
Folkston, GA 31537
(912) 496-7220

States PreDisposition
6586 Highway 40 West
Ste B-7 Unit 340
Saint Mary's, GA 31558
1-800-918-3844

If you search phone records (I use WhitePages.com) and other online address records, you'll see that there's no listing for States Predisposition at the Highway 40 West address in Georgia.  However, the Folkston, Georgia address shows up in phone records.  I decided to do a broader search on the States Predisposition name and found s phone and an address listing in (surprise, surprise) in Jacksonville, Florida:

States Predisposition
6931 Lillian Road
Jacksonville, FL  32211
(904) 446-9236
Source: http://yellowpages.superpages.com/listings.js ... disposition&&S= 

I searched the Florida Secretary of State corporation/LLC/LLP records and found nothing there. So unless I'm missing something, States Predisposition isn't incorporated in Florida nor registered as a LLC or a partnership. I'm not familiar with Florida business laws, but I guess it's possible that States Predisposition could be operating in Florida as a sole properietorship. What I do know is that the phone company has a listing for States Predisposition at the above Jacksonville address.

Now get this. If you do a reverse search on that Jacksonville address, you'll see that there are several businesses at that address, including this one:

Bass Enterprises
6931 Lillian Rd
Jacksonville, FL  32211
904-674-2482      
Source: http://yellowpages.aol.com/main.adp?_dirnames ... dma=40&_dirpid= 

And this listing shows other business at that same address, one of which is States Presdisposition: http://yellowpages.aol.com/business/gould-cen ... 2778817/nearby/

By the way, this complaint from the Florida Attorney General -- http://myfloridalegal.com/webfiles.nsf/WF/JFA ... sComplaints.pdf -- indicates that "Bass Enterprises" is a d/b/a name for Bass Pre-Litigation Services, LLC, of which Evelyn Jackson is listed as director.

The evidence suggests there's a very good chance that in spite of their attempts to conceal their location and identity, the Jackson clan is still in Jacksonville operating under many phony names associated with the Bass and States Predisposition scams.

Hope all this helps you zero-in on these crooks.

Right. They are only human.......criminals.

The States Predisposition/Bass operation is not a legitimate debt collections business that merely failed to adequately train its callers to follow FDCPA provisions. Far from it.  This is a group of crooks who routinely pose as law enforcement officers, officers of the court, bankers and make false threats of arrest and imprisonment. It is, quite literally, a scam aiming to defraud consumers.  They are a telephone version of the infamous Nigerian email scammers.  That's why the Florida Attorney General is suing them:

http://myfloridalegal.com/webfiles.nsf/WF/JFA ... sComplaints.pdf
http://www.jacksonville.com/tu-online/stories/120107/met_221875639.shtml

So since these grifters routinely violate the FDCPA and other laws, it's more than a little doubtful that they will suddenly abide by the FDCPA when a consumer directs them to cease communication.

The only way to deal with these crooks is to ignore their threats and report them to federal and state law enforcement.