866-903-0289

Spoke to a lady name Sharon and she stated i need to pay a loan off from 2012 and i was going to get my wages garnished by next week. And i have to call her back Monday to see about settle this loan. Why am i getting this call?

You're getting the call because some Scammer is hoping that you're ignorant & naive. Wages can only be garnished AFTER a court hearing & ordered by the court. There are some exceptions but the call you describe makes it clear that the caller was a Scammer.
Ignore the call & block the number.
  Be Safe. Be Aware.
    Gunnar

The fake process server/location finder extortion SCAM usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case 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).  They threaten to serve you at home or at work.  They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and must be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against you.

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.  

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.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

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: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Received call from Jason wanting to serve papers. Referred to atty, Susan, claiming lawsuit being filed re: debt (pd 2010) was unresolved & threatened garnishment of my  social security unless I immediately settle for $2175, else be garnished  $5974.

I got a voicemail from Susan about a legal proceeding that she needed a statement from me prior to going to court. I called the number and a guy was stating that I received a payday loan back in 2014 which is not true. He also said that a settlement could clear this up instead of going to court, which would add more fees if the it indeed went to court. He said they are D&D Group Inc. out of New York.

The voice said they were from d and d group . I I failed to respond to their letter.So I need to give them a call back because there going to come serve me .I need to contact an attorney to help me in this matter I can.