877-767-5133

SCAM SCAM SCAM - Claims to be someone saying your behond on payments to text back to stop leagal action and or Wage garnishment

I got the same message.  Who are these clowns?

Anyone who calls and threatens "legal action" or "wage garnishment"  are Debt Extortion Scammers

The vague scare tactic message is designed to panic a victim into calling back.

Most debt collectors will use a certain amount of pressure to convince you to pay the debt. After all, they often don't get paid unless you pay. Be suspicious of a debt collector who uses an unusual amount of pressure to get you to pay immediately, particularly if they also use scare tactics to get you to pay right away. For example, a debt collector is scamming you if it :

• threatens you with a lawsuit and tells that you can avoid the lawsuit by paying right away
• Says a Process Server  or Courier is coming with papers to sign
• Threatens to call / go to your place of employment
• Insists you have been notified, served or are non-compliant via phone message(s)
• Refuses to give a company name or verifiable Contact source
• Refuses to send proof of debt via US mail

A sure sign of a debt collection scam is a collector that wants to you to pay via wire transfer or another method that can't be traced. If the payment method can't be traced, you'll have a harder time getting the authorities involved.

If the creditor sounds completely foreign, or you know you never had an account with that business, there's a chance it's a scam. Never pay a collection you don't recognize. You have the right to request written proof of the debt from the debt collector before you send payment.

https://www.ag.state.mn.us/Consumer/Publications/PhonyDebtCollectionScams.asp
https://www.consumer.ftc.gov/blog/2019/02/ftc ... llection-scheme
https://www.consumer.ftc.gov/blog/2017/08/pha ... onate-law-firms

Quote:

Here are some ways to find out if a debt collector is legitimate.
•You received a letter in the mail. ...
•The agency is licensed in your state. ...
•The collector can verify your personal details. ...
•You can request information about the debt. ...
•There's more than one method of payment. ...
•A company works with you, not against you.

Source: https://www.bankrate.com/personal-finance/deb ... ctor-is-a-scam/

ITS A SCAM CLEAR AS DAY! Sent me a text message saying " .....You have a PAST DUE account in our office. Contact us ASAP To STOP potential Legal action/Wage Garnishments. 305-396-3959".  They had my first name in the text. I called the number the text came from and someone is on the other line. I called the phone number in the text and Mediation Processes and Servicing - Collection Agency answered. They had my info, I didn't confirm, but they said a civil lawsuit in relation to a payday loan with ABC something. Funny thing, never heard of them. Never did business with them. Never had a summons/notification of a law suit.  And I'm overseas. I laughed and I hung up. I called out of curiosity and got what I wanted. ITS A SCAM CLEAR AS DAY!