909-989-2739

this number ties in with 888-787-7581, this is Full Spectum Litigation located at 2910 E. Inland Empire Blvd. Ontario, CA 91764.  This was listed on my credit report, when they pulled it.  This is the call that the lady calls to serve you, gives you a number to call then that lady threatens you and tries to get money from you or you will be sued;.  They even yell.  I just wanted everyone to have all the information possible on this company that used unfair, illegal practices to collect debts that might or might not be yours and if it is - it's probably ten years old.  Good luck

This company also did the same thing to me! Called and said I will be served papers if I didnt call this number immediately (1-877-787-7602). We called and he kept saying how serious this is and that they tried contacting us through mail 2 months ago and since we didnt respond, they were sueing. I never received anything in the mail though. Now they are threatening to take us to court for double what the debt is. Is it legitimate? It is a very old debt. 8-10 at least.

I received a call from this number about 2 weeks ago but ignored it. Then, someone named Ms. Brown called my old employer stating that she needed to serve me papers and we could either do it at my employer or meet in a parking lot (what??) So I called that number back and got in touch with a Chris James. He pretty much told me that same thing. I could either pay the original amount of the debt $352 within 24 hours or be taken to court and sued for triple that amount. He even asked me if anyone trusted me with money so I could borrow it! I actually believed him after researching my state's laws stating that a credit card company CAN sue you for the amount owed. I called him back the next day and paid him $50 and told him I could pay the other $302 on 9/17/12. He said that would be ok. He was VERY nice and understanding which made me think this is legit. He emailed me a settlement agreement (which looks pretty legitimate) and I know my DEBT is legit, but after reading some of these posts, I think I will call my credit union and disable the debit card. Does anyone have any advice on what I do now that I've paid him $50? Do you think they will really serve me papers?! Because ya know, I'd be happy to meet them in a parking lot with my sister and her husband who is a sheriff's deputy :p
Oh and here is Chris James direct number in case anyone needs it: 909-204-5310

Full Spectrum is NOT a legitimate company. They use fear tactics to extort you into paying a debt that may or may not be yours.

Be warned that if you pay an old debt like this one, it restarts the clock for the statute of limitations. My suggestion is to ignore the calls and send a cease and dist to them immediately.

Well, they scared me so bad that I gave them my debit card info.  But then when they refused to give me any documentation that I owed this (I honestly don't remember opening up a JCP line of credit), and the guy said I had made pmts on it for over two years.  I would KNOW about a card I used to pay on, so I revoked my pmt and asked them for documentation.  They said they would take me to court.  I said that they must understand that I cannot pay on money based on their word, and needed something in writing.  I have two old medical bills on my report, I watch my report and I have NEVER known about this line of credit.

They told me I have a line of credit that I am unaware of, nor has it ever been on my credit report, and I have not received any letters.  They called me and scared me at work, and then pretended to be the nice guys and were trying to help me stay out of court.  I cancelled my bank debit card after I informed them that I cannot give them $800 just because they say so.  I asked four times for documentation, which they refused and spoke in circle speak.  Wish I hadn't given them my info, but they are aggressive and use scare tactics. And they are NOT accredited like the guy kept telling me!

The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. Any 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector, i.e., ownership is irrelevant and debt buyers must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm 
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm 
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html 
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.