866-354-0567

write them a letter addressed to: Checksmart  7001 Post Road  Dublin,OH 43016.  Tell them "Cease and desist from calling this phone number. Then put the phone number they're calling.  Can't guarantee they'll stop calling, but there's a good chance they will stop.

Jack Bauer... Priceless the guy from the show 24...

Call my work at least 10 times a day, I am a receptionist at a hosptial and hundreds of people work here.  They always hang up and don't ask to speak to anyone....very annoying and ties up the line for calls that are far more important.

have same call i did call they claimed i was someone else and my # cant be removed until tanner montoya call and pays his dues then they hung up on me never used any check cashing company they are all scams

got the same thing but I am tanner montoya according to the lady yell at me to but was told until tanner resolves his debt they will not remove my number even though its on a no call list

They called at least 12 times over the last two days asking for random people (no last name) - i think they are just hoping to hit a valid name so that they can harass them. This is definitely not a legit call.

Yes indeed! They call me saying that I have a lawsuit against me from some check. I never had or dealt with a check on my payroll check. He says he is a attorney telling me about the prosecutions if I don't pay. So me being an Investigator and a big head in Law I confirmed to him if he is a attorney by law you can't call anyone threatening with a prosecution and if there is a lawsuit agains me from a party then I would have been needed to be served with some docs and a court date. Its highly illegal for an attorney to call with a threat demanding money.

But if anyone wants to file a Lawsuit against these people feel free to gather as much info about them where I have enough info but a little more wont hurt. I'll support any case that anyone set out against these telemarketing criminals.

My caller says, "This is Mr. Wilson. You need to call this #8663540567 TODAY!" What a dope! I think its hilarious! Who in their right mind would give Mr. Wilson $ after his ignorant approach. Mr. Wilson, maybe Dennis the Menace is afraid of you but I am not. Please call back. This is fun. You're an idiot!

866 354-0567   Check Smart call center. Block them.

This phone number belongs to Check Smart Collection Agency.  They try to pull them self off as a Corporate Office. But what they really are is a "call center" with a bunch of idiots working there.  

Don't let them give you a hard time tell them to __________ and hang up on them. lol   I tricked them to get  information. It's so easy to trick a call center idiot.  Just ask them were to send the check and they will spill their guts.  lol They are so stupid.  lol
Mr Kelly

Sprint now has all the blocking features needed for a cell phone. Get a sprint phone and have unlimited blocking of any number you wish and block these types of calls and never be bothered buy a telemarketer or solicitor ever. Block baby block. Don't [***] its worth the dime get a sprint cell phone.
Mr Kelly

This number calls me about four times a day, every day. They are calling in regards to money that I OWED CheckSmart from when I borrowed money from them. Basically, they work with collections, so if you owe any type of money to any type of business, they will be calling and calling and calling. AND NEVER EVER SIGN UP FOR ANY TYPE OF PRE PAID DEBIT CARD, CREDIT CARD, OR LOAN FROM CHECK SMART. All they do is rip you off.

from http://www.yourcollectionrights.com/

FDCPA - Fair Debt Collection Practices Act

Are you finding yourself lately, in a sticky situation created by a third party debt collector?
If the answer is yes, you are not alone and you could use some help from this site to put a halt to the mayhem created in your life by these notorious debt collectors.

If you know your rights against the third party debt collectors, it would help you get over the angst you do not deserve to undergo. The Fair Debt Collection Practices Act or the FDCPA is created to help you against the illegal tactics of the third party debt collectors or the debtors themselves, even if you owe them the debt.

The Fair Debt Collection Practices Act offers protection from illegal and unethical tactics of the debt collectors. A clear understanding of debt collection laws under the FDCPA will entail you to the power to fight the third party debt collectors. Stopping the debt collector harassment starts with your knowing your rights as ordained by the FDCPA, or the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act is also known as the Fair Debt Act or FDCPA. The Fair Debt Act or FDCPA is a federal law and it protects consumers from the debt collector abuse. Much depends on how one is going to use it. Many states have their own laws on par with those by the FDCPA and they lay the ground rules for debt collection for creditors out to collect their debts. Next time a debt collector calls, let your rights under FDCPA deal with them.

What is Debt Collection Harassment?

Posted: 10/15/2011 12:36:16 AM

The Fair Debt Collection Practices Act (FDCPA) has a set of rules that determine what can be termed as harassment by the debt collector. Harassment can be either written or verbal. Calling you repeatedly at home or work place is a form of harassment. Harassing in any form is considered a severe violation of the FDCPA.

According to the FDCPA the following are considered violations of the Act by the debt collector:

  Harassing by calling repeatedly
  Threatening to use violence
  Using obscene or abusive language
  Calling at work place
  Calling after you request him not to call
  Calling but not giving name
  Sending notices that look like court notices
  Publishing a list of consumers who have not paid
  Trying to extract payment over phone
  Giving false identity of being an attorney

A debt collector can call you if there is a genuine debt to recover. But debt collectors are often over- enthusiastic and may end up placing too many calls or end up using tough language. This is considered to be harassment. The FDCPA punishes harassment by debt collectors. The Act gives out specific guidelines on what is considered unlawful behavior. These guidelines protect consumer rights.

If debt collectors obey the rules of the book the emotional stress faced by the debtors can be avoided. In the absence of this understanding there is a possibility of the consumer falling into the emotional trap.

You can avoid the harassment by following these simple rules:

  Stay calm during the call
  Do not enter into argument
  Do not use foul language
  Do not give away your bank details
  Ask for debt validation
  Send a cease and desist letter
  Dispute the debt

If the debt collector has harassed you and violated your rights, you can sue him. You may engage an FDCPA attorney who will take care of the legal aspects.

A Debt Collector CANNOT:

  Telephone you an unreasonable number of times
  Telephone you at an unusual time/ unusual place
  Disclose information of your debts to third parties
  Use profane or other abusive language
  Contact you after written notification that you do not want to be contacted any further
  Claim to be affiliated with any governmental organization
  Misrepresent the character, amount or legal status of a debt
  Threaten of to take any action that cannot be taken legally
  Accuse you having committed a crime
  Threaten or communicate false credit information
  Attempt to collect, until he honors your request to validate
  Use deceptive methods to collect debts
  Call you before 8:00 a.m. or after 9:00 p.m.
  Call you, but not announce who he/she is
  . . . and more

You can:

  Reduce or completely zero out your interest payments
  Avoid or reduce late payment fees
  Combine several loans into a single payment plan
  Get a single, low monthly payment to clear all your creditors
  Get errors in your credit reports rectified
  Get invalid or time-lapsed entries in your credit reports removed
  Get peace of mind
  . . . and more

Read up on your rights...turn the tables on these scum collectors!!!

I received this message from CheckSmart to contact them, regarding my brother-in-law, have not contact them yet, as I have NEVER EVER went to a checksmart, so why are the calling me???

Calling non-stop, who is this?

BCCI stands for Buckeye Check Cashing Incorporated. Not an Arab money laundering front. Do some better research.

I work at a payday loan place and believe those posts saying people got arrested are bogus, If that was the case  there would be no need for collectors, there are protection laws for borrowers, it would take thousands to prove you intended to fraud, in Good Faith make an arrangement and pay the debt...the company doesnt deserve to not get paid but they are usually paid low wages as collectors and get high commisions when they collect a debt. If you are truely harrased add your number to the national DNC list and then call the FCC with a formal complaint. Bottom line they are just barking there is no bite.. however they can garnish wages. If there is mis spellings sorry at work rushing :)

Payday Loans
A payday loan is a small, unsecured, high interest, short-term cash loan. In most cases, consumers write a post-dated, personal check for the advance amount, plus a fee. The lender holds the check for the loan period and then deposits it, or the customer returns with cash to reclaim the check.

Changes Effective January 1, 2010
•You may only borrow a total of $700 or 30% of your gross monthly income, whichever is less.
•Your information will be registered in a state-wide database, ensuring that all payday lenders have your most up-to-date loan information.
•You may only take 8 payday loans per 12-month period.
•If you are unable to repay your loan before your loan is due, you may request an installment plan with no additional fees.
•If you currently have an installment plan you may not receive another loan.
•Lenders may not harass or intimidate you when collecting a loan. If you are harassed, contact DFI and file a complaint.

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Payday Loans In Washington State
•Who Licenses And Regulates Payday Lenders In Washington?
In Washington State, the Department of Financial Institutions (DFI) licenses and regulates payday lenders and the payday loan industry. You can verify the license of a payday lender in Washington State by calling 1-877-RING-DFI (746-4334) or verifying a license online.
•Complaint Against A Washington Payday Lender?
If you have a complaint against a payday lender operating in Washington, file a complaint with DFI.
•Maximum Loan Amounts & Terms In Washington
Maximum Loan Term: 45 days
Maximum Loan Amount: $700
Maximum Fee: 15% on the first $500 and 10% above $500.

Example 1: A loan for $500 + $75 fee = $575.
Example 2: A loan for $700 + $95 fee = $795
•Internet Payday Lenders
Internet payday lenders that do business with Washington residents must be licensed by DFI and adhere to Washington's loan limits and terms. Before doing business with an internet payday lender, make sure they are licensed by DFI.

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Checklist - Before Taking Out A Payday Loan
Although a payday loan may be a convenient short-term solution, it is inappropriate for long-term cash needs.

Verify The License Of The Payday Lender
Contact the Department of Financial Institutions to verify that you are dealing with a licensed lender.

Call 1-877-RING-DFI (746-4334) or Verify A License Online
Consider Alternative Solutions
Ask about delaying or making payment arrangements on your non-interest bills like telephone and utility bills. Talk to a friend or family member about borrowing money. Ask your employer for an advance on your paycheck.
Comparison Shop
Comparison shop for the lowest fees and penalties. For example, some credit unions offer payday loans with lower fees.
Borrow Only What You Can Afford To Pay Back
Borrow only as much as you can afford to repay with your next paycheck.
Avoid Borrowing From More Than One Lender
Avoid borrowing from more than one lender at a time.
Know When Your Payment Is Due
Know when your payment is due and be sure to repay the loan on time and in full.
Take Advantage Of Organizations That Are Available To Help You With Your Financial Situation
Local organizations across Washington are available to help you with your financial situation. Many of these organizations offer help with budgeting, credit repair, debt repayment, and more. Contact your local consumer credit counseling service or asset building coalition.

Find Your Local Consumer Credit Counseling Service
Locate Your Local Asset Building Coalition
Set Up A Budget
Plan for the future by making a realistic budget to help avoid the need to borrow for emergencies and unforeseen expenses.

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Your Rights As A Washington Resident
•Any payday loan obtained from a lender not licensed with the DFI, and not repaid to the lender may not be collected by lender and the lender may not pursue action in Washington State to collect the debt. See RCW 31.45.105.
•You have the right to change your mind about the loan within one day.
•You have the right to know all of the costs involved. You also have the right to a payment plan.
•A payday lender may not threaten criminal prosecution as a method of collecting a past due loan.
•A payday lender may not allow a borrower to use a new payday loan to pay off an existing payday loan by the same lender or an affiliate of the lender.
•Under the Truth in Lending Act, the cost of credit must be disclosed. Among other information, you must receive information outlining the finance charge and the annual percentage rate (APR). The APR informs you of the cost of your loan. For example, a 14-day, $500 payday loan with the maximum fee permitted by statute would have an APR of 391.07%.

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Alerts, Resources & Publications
•Alert: Be Vigilant When Seeking Payday Loans from Companies Seen On TV or Online
•Payday Lending - Borrower Rights and Responsibilities (PDF)*
•Payday Lending - Borrower Rights and Responsibilities - Español (PDF)*
•Payday Loan Changes Brochure - English & Español (PDF)*

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More Information From DFI
•File a Payday Loan Complaint
Payday lending complaints are handled by DFI's Division of Consumer Services.  
•2010 Payday Lending Report (PDF)*
The 2010 Payday Lending Report published by DFI.
* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.

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Been getting harrassing phone calls on both home and cell from this number.  No name, no company name, etc., given.  I am reporting them on the DO NOT CALL REGISTRY to stop this nonsense...

If someone got arrested it would 't have been for a payday loan however people do also go there to cash checks.  If you write a bad check for more than a certain amount and you didn't have the money to cover it you commItted a crime a will be rightfully arrested.  The problem is some people think they will be given time to pay the check back but you won't   It wasn't a loan it was fraud.

A Corporate Office phone number keeps call me, even though the person they want is not at this phone number.  They are very rude and calls almost by the hour.  I started getting their calls today 9/8/2012, starting at 8:25 am; 9:09 am; 9:48 am; 9:51 am; 9:51 am; and I called them back each time to tell them to quit calling me.  They are very rude and said they will not stop.