855-339-2912

They left a message stating the are trying to serve me but if I call to negotiate they can stop the summons. When I called them I asked what company are they representing . The idiot told me he could not tell me yet they called my family telling them that any thing I wanted to find out about the case just call

Hey

Did you ever find out about this phone number?

Caldwell and Associates is the name of the "company". After my interactions with them, they appear to be an illegitimate company, possibly trying to commit fraudulent activity by phishing for personal and/or banking information. In my opinion, I would not give them any information whatsoever. If they end up filing a legitimate lawsuit, then battle it in court. However, I have a feeling that they love to try and pin family members "unpaid debts" on you.

They left a message stating the are trying to serve me but if I call to negotiate they can stop the summons. When I called them I asked what company are they representing . They went to were i was livivng to serve but letter was returned back to them. The idiot told me he could not tell me yet they called my family telling them that any thing I wanted to find out about the case just call them!

I keep getting phone calls for a person I don't know. After I called back to get my phone number removed I was treated extremely rude and was being harassed. I will definitely peruse this.

I got a call from this "company" saying they are trying to serve me for an unpaid debt.  I am going to report them.

I received calls from a Michelle Smith with Caldwell & Associates. They said they are collecting on a payday loan debt and threatening to sue me. I requested verification and all they would send is a generic looking email. The address they reference on the email is actually a Caldwell & Ober in Arizona..a real firm that handles DISABILTY/SOCIAL SECURITY CASES. I called Caldwell & Ober..they had no idea what I was talking about. I called Mrs. Smith back and left a message regarding my interesting google search....she hasn't called me back. Idiots

Not enough information to find these criminals.  Most likely they are not who they say they are and are not lawyers.  
Federal law (FDCPA) requires them to send you a letter 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 the date 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.

They called a family member of mine stating to get in touch with them and when I did, they were talking about me getting a summons to go to court about an unpaid payday loan. They tried threatening me with going to court and possibly going to jail if I didn't pay the debt. At first they tried telling me that they couldn't work out anything with me and then turned around and wanted to put me on a payment plan. Sounds very suspicious!!! 😠

same thing here  what should i do?

A Eric Brown called saying they tried to serve me with paper and been trying to get a hold of me for the past couple days and if they don't the legal actions will be taken against me for not  appearing they left this number 855-339-2912...

Called that number.  Smarmy [***] would not give me the location of "Caldwell and Associates".  Strange nasal quality to the voice. Did say they had 13 different locations.  Right.  What legitimate law office will not give you an address?  Clearly some creepy debt collector  or general scammer who's doing their best not to let anyone know their location.  A "Caldwell and Associates also calls from 202-407-7218,

i received a call from this number, came up as unknown on my cell phone, at first it was a guy yelling at me saying he was going to have me served at work for a outstanding debt to cashnet, and to call this number and pay, well stupid me i did, and when the transaction came thru on my bank acct,,, it said it was a purchase for home furnishings and decor...so i contacted the bank and they stopped payment...so the woman by the name Michelle Facenda,said that that was the code that the company uses and that they must have made a mistake in the numbers....so she then told me that she had received word that my bank didnt process the claim and that the acct would be reopened and persued in court....she asked what she could do to get me to pay the acct...i told her to send me a letter on her letterhead with the acct numbers of this debt and the company....so she sent me a homemade email with her suppsed address....i looked up that address and its to a law firm that is closed....and that firm was a divorce/family law not debt collecting....and whats more interesting is that the letter she sent me has the fax number the same as the phone number.....again interesting

It's not interesting. It's attempted fraud. Your caller is a Scammer. Tell the caller to comply with the Fair Debt Collection Practices Act (FDCPA) & MAIL you a notice of validation. NOT an e-mail or fax. Don't be surprised in the slightest when your caller becomes irate & goes on to make excuses & more threats. Scammers rarely mail anything. Doing so constitutes mail fraud & that's a federal crime that carries heavy penalties. Scammers are cringing cowards & will only stretch the law so far. The thought of doing federal time loosens their bowels.
Be Safe. Be Aware.
 Gunnar

Got an email from, these people as well as phone calls threatening lawsuit. did some digging and the address listed at the top of email is to a shopping center and the physical address is to an UPS Store with mail boxes. The shopping center manager stated that there is no Caldwell and Associates in the shopping center and the UPS manager stated that he may or may not have a box for them but can only give out that info to the police. Which is my next step! Michelle Facenda is a scammer! please don't fall for this.

sorry the address they put on email was...
3611 Mt. Holly Huntersville Rd. Suite 204-207 Charlotte NC 28214.
855-339-2912

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

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.   ["Written" means snailmailed - US Mail ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

that want money

2 years ago this lady called me threatening me to sue me and all. So I'm not very familiar with any of this. Well i end up paying her. She sent me an email with transaction number and the loan cashnet. USA . Etc. But now other people calling me saying i owe them $2100 for Cash USA. Saying the exact same thing. Financial solution is calling. I tried contacting this lady michelle n her company to get some kind of paperwork saying i paid this off. But number is disconnected and law firm can't be found. I don't want to pay this again. If this is a fraud what should i do?

>> If this is a fraud what should i do?  <<

Um ... apparently you did not bother to read earlier answers, particularly the one I posted on 15 Aug 2016, only two posts above yours.
So, I will not repeat that post, since you probably will not return to read it.


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