866-681-8856

Eric Brady coming with certified documents to sign between 11 & 1 tomorrow. Blah blah blah.  From what I have seen, this same name dates back at least 4 years with different numbers.

they just called me and stated that I have to be in my home by 5pm to serve me some papers. but they don't say what kind of papers they are serving me with. I think it's a scam.

YES on a SCAM.  You are NOT warned if a summons is coming.  Think illegal scare tactic.

Keeps. Calling me

Don't know who this Eric Brady person is, but he needs to stop calling my number saying the same things over and over again.  The message is that he is coming to my house for me to sign documents.

Yes, a scam. Ask for proof of the debt in writing.

Eric Brady called me in July and said  he had an lingation papers for me to sign if I don't call Great Arrow Associates at 866-681-8856.  So called them and made payment of $40 and agreed to make payments of $102.3 for 10 weeks.  Then on September 1st I had an issue with my  debit card at the time so the that payment with declined on their end.  So the  stalling Thursday Mr. Brady called me again so I called Great Arrow Associates again and made a payment of $200 and agreed to make 5 payments of $103.20.  Both they sent me DOCUSIGN documents to sign I signed them both times.  I'm I getting scammed or is Great Arrow Associates real.  Great Arrow Associates said collecting a debt on the behalf of Rushmore Financial.  Did take a loan from Rushmore Financial.  Again did I get scammed by Great Arrow Associates and Rushmore Financial or are they for real?

Yep, you are getting scammed big time.

I can't find much on them other than they are in Western New York which automatically makes them a criminal enterprise.  You are being extorted.  You will need to file a fraud dispute with your bank, but the fact that you willingly paid them and signed those documents is a problem, both in getting your money back and because you reset the statute of limitations on that debt.  Never, ever pay a debt collector until they do the following:


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.  

Those documents you signed should have contained this:
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.

You should have then sent them a certified, return receipt debt validation letter, making them go back to the original creditor to prove that you owe the debt and that they have the legal right to collect it.  The good news is that you can now sue them for FDCPA violations and use the money you paid them as actual damages.

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:  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

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Most likely this group:

https://bestbusinessny.com/company/4763611/great-arrow-associates-llc.html
**
NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through July 21, 2017.
Selected Entity Name: GREAT ARROW ASSOCIATES LLC
Selected Entity Status Information
Current Entity Name:    GREAT ARROW ASSOCIATES LLC
DOS ID #:    4763611
Initial DOS Filing Date:    MAY 22, 2015
County:    NEW YORK
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE
Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
PELTAN LAW, PLLC
128 CHURCH STREET
EAST AURORA, NEW YORK, 14052
Registered Agent
PELTAN LAW, PLLC
128 CHURCH STREET
EAST AURORA, NEW YORK, 14052
__________________________

Possibly related to this address:

255 Great Arrow  Ave.
Buffalo,
NY 14207

Home to:
Lakeside Solutions
Gordon Cappolli & Associates
National Principal Group
Shonberg and Associates
UPG
Citywide.. formerly known as National (or national principal group) also formerly known as Huntington (or Huntington principal group
Elite Recovery Service
Premier Recovery Group
Riverside Lending
Neimen, Rona & Associates
Check and Credit Recovery Group
_________________________
In any event,

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a  violation of the Federal Fair Debt Collection Practices Act.)  The same goes for endless telephone harassment

Note that the US Supreme Court in the Case of HENSON ET AL. v. SANTANDER CONSUMER USA INC., has recently ruled that the provisions of the Federal Fair Debt Collection Practices Act do not apply if the creditor owns the debt in question.  As a practical matter this probably won't effect the kinds of scam debt collectors who often show up on 800notes.  The scam collectors don't give you any information about themselves so it is impossible to know whether or not they in fact "own" the debt in question.  Most do not send debt validation letters and many often say they are collecting for someone else.  So, make the complaint anyway if they are bothering you.  Let the FTC sort it out.

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.
You have to get tuff with these people because,  being akin to thugs, brute force is (metaphorically speaking).   the only thing they understand.