844-866-6861

got a text saying an adult needs to be present to sign for some documents on Monday, February 7.

Ah..tomorrow is Friday February 7th.

I received the same thing. Did you hear anything back or know what it’s about?

No, I did not respond. Looking at the previous comments this number is trying to collect on payday loans from 2014.  I filed Chapter 13 almost 3 years ago so if I had anything like this it would have been in the bankruptcy. I have never heard of this "company" If these scammers continue to harass me I will give them my attorneys # and they will disappear when they hear the word attorney.

The fake process server/location finder extortion attempt usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  They threaten to serve you at home or at work.  They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and must be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against you.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Good to know. I have no idea what debt they would be after. I also never heard of that company nor do they have a website. When I called that number I never gave them my identity, they knew who I was. I wanted to know where they got my information. I also told they what they were doing was illegal. I kept calling to see who would answer and it was always the same man or woman. The odd thing is, how do they know my name?

When you call a toll free number that information is displayed for them.  You cannot block your caller id from being transmitted to them.  Now if only you had read past the first post you might have actually learned something.