855-778-8151

When you call the number the message identifies the business as Coral Springs Resolutions. Spoke to someone there who said they were calling about a Payday Loan given to someone identified as me. Asked them to forward me the paperwork and they became indignant threatening to file criminal charges against me. When I laughed they got mad and hung up.

Their threat of criminal charges just caused them to break federal law.  Unpaid PayDay loans are just ordinary debt which is civil unless they can prove intent not to pay back at the time the loan was taken, a very high legal hurdle.  A collection agency also has no power to seek criminal charges, only the original creditor.  You can also check with the laws in your state.  Many states have laws banning PayDay loans rendering them uncolletable if the loan company is stupid enough to give one to someone in one of those states.

Got a call from 855-778-8151 , they identified themselves as Coral Springs Resolutions. They said they had a payday loan that was in default. At first I thought it might have been my daughter since it was done online. So I offered to make payments, but my offer wasn't well received, they wanted it all now. I told them it wasn't possible and they started threatening me, I hung up.

They called my old job claiming to be the dpt of aritration and told my former boss they were about to start wage garnishment on me for a un paid pay day loan..... what can I do to stop them from calling my place of employment and telling my boss these kinds of things?? any help would be much appreciated!! are they allowed to tell peoples business like that to just anybody?

You need to contact the FTC. Tell them these people are claiming to be a government office. They are not allowed to do that. They did the same said they were the Dept. of Arbitration and they were going to file to fullest extent of the law.

Here's the kicker, I have no payday loan and haven't in almost 8 years so I think these people are scammers.

got a call from this number on my work line saying they have a case in their office that involves my vehicle, gave the year, make and model of it along with the plate number. i also got the Coral Springs Resolutions but i have never gotten a loan using my vehicle as collateral. I do not know who these people are or why they are calling me. Help!

Identified herself as Shana calling from Dept. of Arbitration seeking location and telephone number of one of my relatives. Wouldn't disclose the nature of the problem she was calling about and denied being a debt collection agency. Asked me to call her back with the information at (310) 370-0500. Did not mention the 855 number.


This is a West Los Angeles number which I have no intention of calling back.

For informational Purposes..

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

My sister texted me and said that a woman called saying that I put her and my mother down as references.  I haven't used them as references for anything, in at least 7 years.  My sister proceeded to tell me that a woman called looking for me.  She gave my sister the 877-778-8151 number, but added ext. 501.  My sister told me that the woman said she couldn't tell her what the call was in reference to, because of privacy laws, but told her to tell me that I needed to call that number ASAP or "charges could be brought against me".  I took a few days to do research on the number, and found this site.  I have called the number several times, and I get a recording identifying themselves as Coral Springs Resolution.  The recording says to enter the ext. if you know it, or to press 1 for the 'pre-legal' dept. (what ever that is), or to press 0 for just an associate.  I tried using both the ext and 1, and all it does is give me the same recording as the beginning.  I pressed 0 and it just sent me to a general VM telling me to leave my name, phone number, and case number.  I've not left a message yet, because I'm just trying to figure out who these people are.  I've searched their name and come up with nothing.  The BBB has nothing for them.  I'll try to all them again next week I guess.

Be careful, and I hope you read the posts above!

These collection buy very old debts for pennies on the dollar. They even buy some debts that you may have already paid off years ago so they know you probably have no proof to show them.  A legit debt company will correspond via mail, and not use throw away cell phones when they contact you.  There is no reason a 310 area code would come up in Florida.  These collectors are puppets. They are uneducated idiots working for minimum wage plus commission. Don't let them scare you, and certainly do not pay them. Just have fun with them when they call. The more you mess with them the angrier they'll get. I look forward to their calls.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken. As long as the company INTEND on taking you to court for the debt the can state it and Coral Springs Resolution does take there files to court

that number does not go to coral springs resolution be careful there are a lot of scams out here with the payloans contact the original lender they can tell you who they sold the loan of tell the company to provide you with paper work on the loan from the orginial lender

you all need to really read this because as long as they intend on taking the actions they state then it is legal




07.  False or misleading representations  [15 USC 1692e]



A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

just go get a police stating you didn't do it and let the police do the rest

Calling my work and then they hang up when I ask who they are from/