855-823-9708

Complete fraud.
Christopher Bryant
Tim boland
Rob Davis
Pacific advantage associates.
Wanted money. Claimed to be a debt collector. Threatened a superior court case. My PI looked into them. Their address for the business is a po box. None of the phone numbers were legit. All magic jack or something. Heads up.

My manager picked up a call from someone at Nationwide, who stated that I owe a certain bank, and they now have the case number 30354 for me to pay $500.00, and if I do not pay it, I will have to appear in court. I call the Placerville court house who could not confirm that there is a case under my name. I became nervous, and I ask someone to investigate. THE OUTCOME IS THAT THIS IS A SCAM.

THE FBI NEED TO GET INVOLVE WITH THESE TYPE OF PROBLEM. THESE PEOPLE SEEM TO BE FROM INDIA.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

•is seeking payment on a debt for a loan you do not recognize;
•refuses to give you a mailing address or phone number;
•asks you for personal financial or sensitive information; or
•exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

•Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

•Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

•Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

•Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

•Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

These people called my office, asked for HR, identified themselves at National Court Services and gave a BS story about court notices and process service for me. When I called back, I got a robo-response.

B
They called me at work as well. I have received a few emails from them but yet still no documentation. They are claiming a debt i owe from us bank. I contacted US bank, and yes, at one time i did owe them money, back in "04", and the debt was sold to a debt collection company in "07". Point is, statue of limitations has passed. sounds to me, now that i have done more research, that they get a hold of debts that no loner actually exist to try and get money. As I said in my first reporting of this, my private investigator said they do not exist. Be careful to anyone getting a call from them, they are a lot better than a few of the telephone scammers Ive dealt with before.

Hey can you update me on how you handled this issue

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/

Also see here:
https://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime

Also read up on the laws and your rights:

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

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

And see:
http://www.fbi.gov/scams-safety
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http://www.ic3.gov/media/2014/140627.aspx
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https://800notes.com/forum/ta-944ec1426a8bcbb ... service-attacks
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http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
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http://www.net-security.org/article.php?id=1828
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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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http://www.fdcpa.me/fake-process-server-injunction/
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https://800notes.com/forum/ta-9413b3202bc8b6c ... net%27s-tactics
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http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
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http://www.cashnetusa.com/consumer-notices
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.

Ugh.  I just paid them $100! I feel so stupid. At least I'll get my money back. I'm reporting it as fraud tomorrow morning. I'm so glad I saw your post. Thank you!

I got a phone call at work last Friday from an Angela Kennedy from Pacific Advantage Associates stating that I was going to be "served" at work on Monday. I didn't think they warned people. Anyways, the message they left with a co-worker said that to save myself embarrassment of being served at work(at a bank) to call them back to be served at home or the sheriff's department. When I called her back she said they are willing to settle on the debt for $896. Instead of $1497. She claimed the debt was from an account closed in overdraft at US Bank..I had an account there almost 10 years ago that closed but it was only about $200..She claimed that the$1500 was from fees and interest and court costs blah blah blah. Well they knew all this info about me and I had an account at one point there so I gave them my info to take it out the following Friday. Well I searched their info and saw this page, also called us bank, and called them back and told them I would not have the money this Friday and she told me if I didn't comply, she would sue me. I still am waiting for us bank to call back but my gut feeling is telling me it's fake so I closed my bank account. Things just aren't adding up to me. I feel dumb I gave them my account number, but glad I caught it before I gave them $900 I don't have 1 month before Christmas! The email I received said it was from Christopher Bryant...they're address on the email I received said 1240 E Ontario Ave #102-336 Corona California.

Same here.  I looked up tge address its a postal place. I'm canceling payment asap

Hey does anyone know who these people are? I am trying to find out why I just got hit with a ridiculous garnishment on my desk, hr came over and handed it to me....SO EMBARRASSING... I don't know what to do, said it is from pacific and associates, I didn't even get to go to court or anything I just got hit with it like that!! Is that legal? Fml!!!! & the worst part is that it says it will be effective on my next pay period when Christmas is here. I did owe an account with us bank but I thought it would just go into collections and go away, it was only $100 for cryin out loud! And these effing people called me last week at work and I thought it was a scam too so I just ignored it. Someone please help me tells what to do!!!! Please. This cant be legal.

>> I just got hit with a ridiculous garnishment on my desk,  <<

Please read the previous answers.

Short answer:
Your paycheck cannot be garnished unless you lost (or failed to appear for) a court case ... and you would previously have received a summons to appear in court!

Call your local Clerk of Courts, and determine if such a summons was issued, or if such a case was heard.

Read what Tamianth posted above - this is a scam.

Did anyone receive a call from a law office on this? I had the same thing..made arrangements to pay and they did take my money in 2014 except for the last payment! I even called them to take it out and never got a call back and they didn't take the last payment. Only 2 weeks ago 2017, people contacted myself AND family members tell them a complaint had been lodged against me! Had my family terrified. I was contact by another collection agency (law office ) in California now suing me for triple the cost! If anyone has this going on, please reply!

Well I hate to tell you this, but you were taken the first time, and since you handed them money so easily, you are now considered an easy mark.  Your name and information has been sold to more crooks.  You see it is incumbent upon them under the law to prove that the debt exists and that you owe it, and 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.

Now read the following over and over and use the links to learn how debt collection is supposed to work,

Criminals masquerading as debt collectors attempt to extort money from people by scaring you into believing that you will be criminally charged (they use the bad check or hot check claim a lot) and go to jail, lose your driver’s license, have wages garnished without actually being sued or going to court, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt.  One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.  They will use the words “Mediator”, “Arbitrator”, or “Law Office” to make you believe that they are something other than a debt collector want-a-be and that they don’t have to follow Federal and State collection laws.  They do have to follow those laws, but they won’t.  They mention that they have received a Fax document, to create the sense of urgency.  They also tell you that if you fail to call them back you are "waiving your right to council", which is pretty much nothing but hogwash.  They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another 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).  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.

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.

Read up on your rights here 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:   https://800notes.com/faq/attorney-general

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