877-715-3967

you scam artist don't call me agin

I recieved a call from a guy named Tate Smith, referring me to the above phone # with a refrence # saying that I would be served at my home or place of employment for check fraud..??
Has anyone else had this issue??

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

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.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

I am doing a school project in my finance class about debt. Pay day loans is part of my search and I just posted this statement on another site and now I'm commenting on this one...First of all through my research when you google loanpayday.com they do exist. The company has been in business since 1992. By the paperwork of the payday loan that I had previously it stated that if I do not pay back the loan I will be held responsible for court fee, legal fee and collection fees due to the company that trusted me to loan me the money. That is the factor to the matter in this situation. YOU OWE PEOPLE MONEY!!!!!! PERIOD!!!! As for FDCPA they do not have to accommodate you on these laws because they are not collecting the money like a loan they are going based on your state laws as if you would search www.ckfraud.gov and it shows that YOU BROKE THE LAW WHEN THAT CHECK WAS KNOWINGLY RETURNED FROM THE BANK UNPAID. My mother is a paralegal and she really schooled me on this situation. After she had to pay the payday loan back for me she asked a judge friend of the family to allow me to sit in check fraud court hearings. Most people was able to get off on a fine and others went to jail because it was a repeat act. I'm currently doing a report in my financial class and this topic is part of my search. After reading your blogs I had to educate the stupid. You guys are stupid to think that you would allow someone to borrow money from you and the person you gave the money to did not give it back. Better yet howabout if you sold a car to someone and they gave you either a cashiers check or a check for the car. You go to the bank and they came back as a stop payment. How would you feel? People like you are partial of the reasons this economy is in bad shape. People do not pay there debts. Hide under Bankruptcy and think all is good.

It's amazing how much you can learn from your mother being a para-legal.  You seem to grasp some of the information but not the big picture.  I hope your research leads you to look at all sides of the problem.  There is a problem on all sides of of the internet payday loans and some of the collections tactics used.

This isn't a discussion as to whether or not we should "Pay our bills"--

This is about consumer rights when it comes to the collection of debts.

Thanks for playing.

Call from a woman (that sounded like a man) who said they were in the area and coming after me at my work or home with 2 pending charges, but I could call this # to get it taken care of.

I recieved a call today stateing i was being served for 2 [***] of check fraud and dont even own a ceck book hisname was Mr.Thomas evn called the ounty court o see what was going on and they had no clue either. so be careful ill definitely be giving them a call monday morning.

Was your misspelling of counts intentional?