9543798569

GTI HOLDINGS LLC AKA NATIONAL CREDIT ADJUSTERS
Posted in:  https://800notes.com/Phone.aspx/1-954-379-8569#p850933846525934126
Web site is for payday loans and no physical contact info.
BBB page with a B rating and 5 complaints.  They are located in Delaware:  http://www.bbb.org/delaware/business-reviews/ ... ton-de-32004012
Justia trademark information filed in New York:  https://trademarks.justia.com/852/63/gti-capital-group-85263093.html
More information on this bunch of criminals:
http://www.online-payday-loans.org/contact-info/gti-holdings-llc/
https://www.cashadvancereviews.com/the-contact-info/gti-holdings-llc.html
Idaho cease and desit order:  http://www.finance.idaho.gov/ConsumerFinance/ ... nd%20Desist.pdf
Delaware Dept. of State info:
File Number:
5069298    Incorporation Date / Formation Date:
11/21/2011
(mm/dd/yyyy)
Entity Name:
GTI HOLDINGS, LLC
Entity Kind:
LIMITED LIABILITY COMPANY (LLC)    Entity Type:
GENERAL
Residency:
DOMESTIC    State:    DE

REGISTERED AGENT INFORMATION

Name:    DELAWARE REGISTRY, LTD.
Address:    3511 SILVERSIDE RD STE 105
City:    WILMINGTON    County:    NEW CASTLE
State:    DE    Postal Code:    19810
Phone:    (302)477-9800

New York law regarding pay day loans (short version-illegal, illegal, illegal): http://www.dfs.ny.gov/consumer/paydayloans.htm
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, etc. all for an alleged or nonexistent debt.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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 receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php
File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

Also received a call yesterday afternoon. Did not answer, left a message saying he's a process server and he needs to server to papers in the next few days so I should make it easy on him and call him back. He called my family members as well. Total crap. Ignoring this fool.

Just a heads up. I talked to the VP of a bank...a family member of a friend...and they said even if you don't legitimately owe a debt if you in anyway agree to pay any portion of it, the law states that then it is your debt. So agree to nothing from these clowns!

Then you talked to a nitwit!  One who doesn't have a clue what he is talking about!  Next time speak with a FDCPA attorney. The burden of proof is on the debt collector.

It seems that bank gets their VPs from a failed high school class.  Here is the actual law:
https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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 receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

I filed a complaint with my local Criminal Division and with my local Sheriff's office... They are looking into it for me. They said it sounds like a scam.... The thing is they say money was deposited into an account that was closed... I got proof of it from the bank showing that account was closed in 2012.

I got a call from saying they have to serve me papers and he said to have my id with me should i take them.Then that would me i agree to pay the person who is sending them i don't even know what's it for i haven't got any payday loans

So what did you do? my worry is how they got my new phone number i had it change last year after i something the same like this but no one never call saying they had papers to serve me.

Don't stress out. No on will ever call you in advance to tell you you're going to be served with a summons – that would be counter-productive and ridiculous. The only possible reason to tell someone they're going to be served would be to frighten them. And now they have more reason to be frightened than you do because in threatening to sue you they have violated the law.
If they're dumb enough to call again tell them you're recording the call to use in court against them. Demand written validation of the debt (not email, fax or a phone call) – they are required by law to provide it within 5 days. If they don't it's because they can't. Game over.

This 800notes page has all you need to know: https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know

Thank's yea he called today said he be at my later on today for me to be there. but last two times it was not the same guy that called me yesterday and today

Recieved a call from 419-386-0511 staying he needed to server me with papers. Waited never showed up. Gave me contact info for Robert Timms and Associates 954-575-6042. Called spoke to a VERY RUDE lady that told me I was sued for a $750 payday loan I NEVER took out.  Now owing $2145.78.  I did not get a payday loan.  But yet this lady had my email address and my ss#. I'm not worrying about this.  Clearly a scam.  No process server callls ahead.    All Robert Timms and Associates web pages were created 2015. All Facebook pages deleted. No physical address just some RUDE LADY on the phone. BEWARE!

Not to mention the loan is from 2012. Kinda funny I've never received any paperwork but all the sudden 3 year later I've been sued. All a SCAM.

I got a call from a "summons"server stating they were gonna serve me paper on Monday and need to make sure I was gonna be home... lol BS first of all as far as I know they don't call you to notify you, they just show up and serve you.. Plus they gave me the # of the Roberts Timms ass.. it goes to a voicemail and by the way its a cell phone I'm reporting them.. This scammers.. plus if they take you to court they notify you by mail.. and debt creditors can notify you by mail and not harras you by phone mon - sun..

I.got a call yesterday saying I owe a payday loan from 2012 . The loan was for $300 now I owe $630 for not responding. I never took out a payday loan. Scammers. Said I was going to summoned if I don't settle. Robert Timms and associates is scam. Jason Shaw fake cop voice

I called the number.. got the info... I really didn't remember getting any loans in 2013... all the info was mine...The lady I spoke with didn't ask for any money... She did however offer me the phone number to the direct loan company with the date it was opened and my original acct number... I googled the number she gave me to make sure it was to the same loan company.. It was, so I called it and the loan company and did verify I took out this loan... But I really didn't take out this loan so the only person that had that much of my info and access to all of my stuff at that time was my sister when she stayed with me... She'll never admit she did this to me but atleast I can take care of it and have it removed from my name and social... Thought i'd offer my positive experience since everyone else seems so upset... good luck guys!

I got a call stating I was being served legal papers from Shoreline Online Loans taken out in 2011 and not paid back.  Robert Timms and Associates would set-up payments for me through Orion Processing Solutions.  This is a scam people everything I look up about these 3 companies says they scam people out of their money DAILY!!!  Watch out.  They started calling me a week ago and are still calling me threatening legal allegations against me.

I can admit they scammed me I paid them only $80 anyone know if I can do a complaint with my bank n get my money back

Yes you can file fraud.  I recommend filing a fraud dispute with your bank or CC holder and also filing reports with the FTC & CFPB..
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.stopfraud.gov/report.html
http://www.fraud.org/

You can also file a complaint with the NY AG as well as your own AG.  Big A and others have posted information on this outfit of what could be found.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..  Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
http://www.consumer.ftc.gov/blog/haunted-phantom-debt

Also see here:
https://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html

Also read up on the laws and your rights:

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://www.dfi.wa.gov/consumers/alerts/nationwide-debt-association.htm
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http://www.fbi.gov/scams-safety
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http://www.ic3.gov/media/2014/140627.aspx
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https://800notes.com/forum/ta-944ec1426a8bcbb ... service-attacks
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http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
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http://www.net-security.org/article.php?id=1828
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https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
https://800notes.com/forum/ta-b95e185ca7ca356 ... debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://www.fdcpa.me/fake-process-server-injunction/
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https://800notes.com/forum/ta-9413b3202bc8b6c ... net%27s-tactics
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http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
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http://www.cashnetusa.com/consumer-notices
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."

A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.