877-414-2696

They had a wireless caller call me stating that there was a summons that they were trying to get to me and the officer wanted them to call me. So I asked what this was about they said you're being sued and I said for what he said here is your case number and call this 1-877-414-2696 and they will give your more information on the case. I called a lady answered and said Waverly & Associates I told her I was called by a server trying to serve me a summons I said what is this about she said to give her the case number. Prior to that I looked up the case number at the County Clerk of Courts record search no case found. She then told me it was for intent to defraud I said I never had a intent to defraud anyone she said hold on let me transfer you to the attorney handling your case his name Orlando and he said Navy Federal Credit Union and Drive Time were suing me from accounts over 16 years ago. I was like had no clue or even sent any documentation about this he said well it will be filed tomorrow but if you can pay half we can make an arrangement like what am I paying half on he said I would need your email to send the receipt and I need a credit or debit card I said I don't have money to pay half and whats this total he just said well I can just hold the file until you get paid so I will hold it on my desk until tomorrow and if I don't hear from I am having them pick up this file and you will be sued. I was nervous so I contacted an attorney he was like they can't have a court case number without first filing the required documents through the court. So then I began to search this company and found these complaints I had no idea that these people would go the extremes of lying to people and pretending to be servers and officers of the court. So sad. Watch our for these scammers.

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, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication 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 communication 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 a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general

I never answer calls from toll-free numbers (800, 877, 888, etc.) because 99% of the time they're some kind of scam. This one left a voicemail asking for a callback. There was a glitch in the recording that gave it away as a robocall, but as a rule of thumb, if someone leaves a message telling you to urgently call back, but doesn't mention your name or any other personal information, and doesn't state clearly who they are, it is a phishing robocall. Below is the exact message, except one part I could not hear clearly.

"Your file has been forwarded (glitch).... Your file has been forwarded to our escalations department after (futile?) attempts for immediate review. It is imperative you do get in contact with us as soon as possible. It is a time-sensitive matter that requires your immediate attention. Please contact us at 877-747-9323."