844-213-0037

Which is why the law states that they must prove that you owe the debt, not the other way around.  But the good news is that since "Lisa" talked to you (or left a message),  her company is now required to do this:

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 of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Assuming they do, then you must do this:

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it

Everything else you need to know is here including where to report their criminal activities:

NEO FINANCIAL SERVICES, LLC AKA FIRST PLACEMENT FINANCIAL, LLC AKA SPURLOCK CONSULTING GROUP, INC AKA FIRST PLACE FUNDING, INC.
Alternate Business Names:
Overhauled Autos, possibly Simple Recovery Solutions which is listed by Sunbiz as inactive.
Posted in:  800notes.com/Phone.aspx/1-844-213-0037
https://800notes.com/Phone.aspx/1-888-729-7802#p1012381823492019130
https://800notes.com/Phone.aspx/1-321-234-0653
https://800notes.com/Phone.aspx/1-844-213-0037/2#p1024317561854724186

No web sites found for and of these businesses.
No BBB page for Spurlock or First Placement.  Neo gets a F rating with 44 complaints:
http://www.bbb.org/central-florida/business-r ... ndo-fl-90315895
Now, which came first the chicken or the egg?  I have no idea, but this is the way these businesses were established:
Spurlock Feb. 17, 2014:  http://www.bizapedia.com/fl/SPURLOCK-CONSULTING-GROUP-INC.html
First place Financial June 16, 2014:  http://www.bizapedia.com/fl/FIRST-PLACEMENT-FINANCIAL-LLC.html    where one of the addresses for this company has 250 other businesses at it:  http://www.bizapedia.com/addresses/424-E-CENTRAL-BLVD-ORLANDO-FL-32801.html
Neo January 22, 2015: http://www.bizapedia.com/fl/NEO-FINANCIAL-SERVICES-LLC.html

Sunbiz.org Info:
Florida Profit Corporation SPURLOCK CONSULTING GROUP INC
Filing Information
Document NumberP14000015161 FEI/EIN Number46-4933724 Date Filed02/17/2014 Effective Date02/17/2014 State FL Status ACTIVE
Principal Address
776 N. ORANGE AVE
#5212
ORLANDO, FL 32801
Mailing Address
776 N. ORANGE AVE
#5212
ORLANDO, FL 32801
Registered Agent Name & Address SPURLOCK, DANIEL J
776 N. ORANGE AVE
#5212
ORLANDO, FL 32801
Officer/Director Detail Name & Address

Title P

SPURLOCK, DANIEL J
776 N. ORANGE AVE
ORLANDO, FL 32801

Annual Reports
Report Year    Filed Date
2015    02/27/2015

FIRST PLACEMENT FINANCIAL, LLC
Filing Information
Document NumberL14000095696 FEI/EIN Number47-1157720 Date Filed06/16/2014 Effective Date06/14/2014 State FL Status ACTIVE Last Event LC AMENDMENT Event Date Filed07/20/2015 Event Effective Date NONE
Principal Address
2423 S ORANGE AVENUE STE 340
ORLANDO, FL 32806

Changed: 06/26/2015
Mailing Address
2423 S ORANGE AVENUE STE 340
ORLANDO, FL 32806

Changed: 06/26/2015
Registered Agent Name & Address SPURLOCK CONSULTING GROUP, INC
776 N. ORANGE AVENUE
5212
ORLANDO, FL 32801
Authorized Person(s) Detail Name & Address

Title MGR

SPURLOCK CONSULTING GROUP, INC
776 N. ORANGE AVENUE #5212
ORLANDO, FL 32801

Title MGR

SPURLOCK, DANIEL J
150 N. ORANGE AVENUE SUITE 416
ORLANDO, FL 32801
OVERHAULED AUTOS, LLC
Filing Information
Document NumberL14000114079 FEI/EIN Number47-1401523 Date Filed07/21/2014 Effective Date07/18/2014 StateFL StatusACTIVE
Principal Address
4833 E COLONIAL DRIVE
ORLANDO, FL 32803
Mailing Address
4833 E COLONIAL DRIVE
ORLANDO, FL 32803
Registered Agent Name & Address SPURLOCK CONSULTING GROUP, INC
776 N. ORANGE AVENUE
5212
ORLANDO, FL 32801
Authorized Person(s) Detail Name & Address

Title MGR

SPURLOCK CONSULTING GROUP, INC
776 N. ORANGE AVENUE
ORLANDO, FL 32801

Title MGR

SPURLOCK, DANIEL J
4833 E COLONIAL DRIVE
ORLANDO, FL 32803

Annual Reports
Report Year    Filed Date
2015    04/23/2015
NEO FINANCIAL SERVICES TRUST, LLC
Filing Information
Document NumberL15000123449 FEI/EIN Number NONE Date Filed07/20/2015 Effective Date07/13/2015 State FL Status ACTIVE
Principal Address
2423 S ORANGE AVE
SUITE 340
ORLANDO, FL 32806
Mailing Address
2423 S ORANGE AVE
SUITE 340
ORLANDO, FL 32806
Registered Agent Name & Address FIRST PLACEMENT FINANCIAL LLC
2423 S ORANGE AVE
SUITE 340
ORLANDO, FL 32806
Authorized Person(s) Detail Name & Address

Title MGR

FIRST PLACEMENT FINANCIAL LLC
2423 S ORANGE AVE SUITE 340
ORLANDO, FL 32806

Title MGR

SPURLOCK CONSULTING GROUP INC
776 N ORANGE AVE
ORLANDO, FL 32801
Florida Office of Financial Regulation info:
License Name:    FIRST PLACEMENT FINANCIAL, LLC
DBA Name:    NEO FINANCIAL SERVICES, LLC
________________________________________
License Type:    Consumer Collection Agency
Status:    Approved
Status Effective Date:    5/1/2015
Original Date of License:    11/19/2014
License Number:    CCA9903529
License Expiration Date:    12/31/2015
________________________________________
License Main Address:

Street:    2423 S ORANGE AVE SUITE 340
City:    ORLANDO
State:    FL
Zip Code:    32806

License Mailing Address:

Street:    2423 S ORANGE AVE SUITE 340
City:    ORLANDO
State:    FL
Zip Code:    32806
________________________________________
Phone Number:

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
Also file a complaint with the Florida AG’s Office:  http://myfloridalegal.com/

BigA thank you for your time & knowledge of this situation. I'm beginning  to wonder if they are not associated with card services, DBA Fannie Mae. they said they would lower my interest rate and stuck me with roughly $4500 in extra fees. I got $2500 removed but am still paying on the rest. I am disabled on fixed income. it is rough but I am doing my best to keep my head above water. May you be Blessed in your endeavors.

The Lisa called me about an hour ago.  They are set up as an LLC in Orlando.  I do owe the creditor the money, but am disabled and unable to pay.  She told me they would take me to court and throw me in jail if I didn't pay.  Oh, she offered to settle for half.  First of all, if I had the money I would have paid.  Secondly, there isn't debtor's prison anymore.  Sending them a form letter in the mail tomorrow.

They are at it again..targeting my sister with Alzheimer's ... 'Credit card services" scammed her good last year  and thank you all  for your info  as I now realized it's the same crooks again....fortunately I found this web site... Thank You All !!

Yes, extortion works like that.  These crooks keep records of people who pay them without question and refer to them as easy marks. Your sister would be their ideal target.  I hope you have control of her finances at this point so that she cannot send them any money.  Be also aware that they might threaten physical harm if they don't get their money.  Get a call blocker and install it on the line, one that suppresses first ring, that will help.