Fake payday loan collection scams - Please list new numbers here [2]

I can assure u this company is no payday loan place!! it is a collection company who take legal action against those who refuse to pay!! believe me when I say they take legal action.

LOL! Shill!  This type of extortion is illegal and its all Baby Robin talk!   In case you don't know what a Baby Robin is : All mouth and A$$hindend..

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."
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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.

I received a telephone call on my cell phone from someone claiming to be Investigator Chase and on the voicemail which was left, he told me that he would be out to my home and/or place of business, along with law enforcement personnel for security purposes, to serve me legal documents.  In the voicemail, he also rambled off some section of the penal code and told me that if I wished to halt the proceedings and service,  I needed to contact the "arbitrator" at 855-454-4140 and reference my case number, which he provided.  I contacted the number, like an idiot, and the gentleman answered the phone saying only arbitrator and proceeded to tell me that this was for an online pay day loan, taken out in 2010 and that he had a signed affidavit from my former bank stating that the monies were placed into my account and that I closed the account 3 days later in an attempt to defraud the company.  I told him that payday loans were illegal in the State of Pennsylvania, which he replied that it didn't matter and then he proceeded to tell me that he didn't have to provide me with proof of the validity of the debt.  I told him he did and he said that he didn't because it was placed with 3 collection agencies who made contact with me and therefore they didn't have to provide proof.  He then questioned me about my bank account and I told him I haven't had an account with that bank for several years.  I guess I angered him with my arguing with him and he got very nasty, proceeding to tell me that the company would be seeking an $880 civil suit and that would be the least of my concerns because there were bad check charges against me.  I never wrote a check to anyone.  They referenced the company Cardinal Management as a company, although I don't know who they even are.  He became nasty and told me that I seemed like I was making excuses and needed to get my story straight and pick a story and stick to it. He further told me that I seemed like one of those people who weren't going to pay an out of court settlement and it would be solved in court, the courier was on their way to serve me and he hung up on me.  I contacted the Attorney General's office who confirmed that payday loans were illegal in Pennsylvania and that this was the latest scams by these companies in an attempt to collect monies.  She advised me not to speak to them, she explained that they could not file a lawsuit against me and they know that and suggested to contact my local TV company for them to run a story to expose the scam since it happens so frequently.  She further stated that if someone showed up at my door to contact the police and to save any and all voicemails they leave.

Play along.  Try to get their mailing address.  File criminal charges that they are impersonating an officer and. Using th US postal service to defraud you.  Ha!  Make it a federal offense.  Contact local sheriff. Tell them they are impersomating law enforcement and have them trace the number.  Contact AG office.  File suit.  Get paid again.  Ha ha.  Get your free money now!  Be the aggressor.  Call them througout the day and give them the deputies name.  Tell these idiots you ned to give them the number to your caretaker. Laugh at them they are a joke!

Now, make this a forum for all of the funny stories in dealing with these hacks.  Do not be afraid of these jerks.  Sorry,  I am laughing.  Give me one of their names and phone numbers.  I will play your very old grandfather who is hard of hearing and scared they are coming to drag me off to jail.  Ha!  I'll report back.

I recieved a call yesterday from a number 855-790-2965 from a lisa Powell she stated I needed to pay 500.00 plus dollars by Monday or I would recieve a garnishment then she stated I would go to court. She stated I took out a pay day loan in 2010 I did tryed forever to contact these people back and never got a answer. She said she was from so type of Ligation department. She said she mailed a letter to my home I never got any type of letter at all. My phone for 3 years has filled up with messages from these people. She never read me the mini-miranda I am a collection agent myself and I thought you had to read someone this. They call my work. One time they called my phone and told me that  California had a warrant for me I called them and they told me they never even heard of me. I don't know if this is one of these scammers or what. This lady put me on hold forever and told me she could not possibly take 50.00 a month. I am so sick of games with my phone.

I received a call from 615-752-5943.  The lady kept asking questions saying I was being charged with check fraud from a payday loan in 2005.  She then threatening me with being arrested so I started asking her questions like who she was she gave me like two different names!  They claim to be investigators so I called the FBI an they told me don't give them any info because its a scam.  When you call the number the voicemail says "worthless check and fraud division" no name.  I called yesterday and gave a fake name for them to look up some info she stated she couldn't find anything but I will be arrested.  Even though they didn't have any info on this fake name they still tried to get money!  Please beware!

Called the 615 number.  She may not call me back. Hope so though. FBI is not the agency that will help.  Start with the local sheriff.  Tell them someone called and threatened to arrest you. Impersinating an officer is ccriminal.  You can have her arrested.  Just play it like you dont want to go to prison. Act scared.  

Contact your state Attorney General, then the  TN AG if you arent in TN.

Thanks for your response.  I've since blocked them from calling but I've called them it's crazy how these people threaten you and your family members with Jail time over something that has never existed.  The e-mail address that they have on file isn't even active.  None of the information is current.  These people are going to get it I pray that they get caught!

If you can try to get the origknal creditor.  They have more  to lose financially.  I have a great strategy to eliminate the date and get you paid.  

I'm doing thjs for my ex wife, but they dragged me in by contactinh and abusing my family. My brother just sent me the voicemail left with him.  The guy says ny ez is a convicted felon jnddr investigation fkr fraud.  I will let you know when it wil be on the news. Ha.

Think how my exwife feels?  What if jt was about my daughter or son?  Or mom. That is why contacting yiur Attorney General is key to stopping them for good.

I received the same call as well, Im not sure as to what to do I was pressured in trying to make payments or I would be served within an hour of speaking with them. I would appreciate any assistance on what should I do. I was paying this company for a bogus high interest payday loan and last payment was sent 12/12 and this is the first time I received a call since falling on hard times.

I just got another one today from 8662434774.   It is for the same payday loan, that I paid off years ago.  It is for Global Group Holdings, and I have a letter stating they have been paid.   I have been called from about 20 different numbers over the past 3 years.  I actually have emails from 3 different law firms for the same loan.   I usually send them a copy of the letter and they leave me alone for a few months.  It is obviously a scam.   Supposedly they are sending me the paperwork again. Of course, it never shows up because they don't even have the bank information correct.  I learned my lesson with payday loans years ago.  Do not apply for anything online.  This is how they get your information.

DO NOT GIVE THEM ANY MONEY.   IT IS A SCAM!!!!!!!

To stop all calls, and letters.  Send letter to the original lender that you wish to have no.more phone calls, nor wriiten correspondence sent regarding your particular account.   Send  by both regular mail and certified mail.  Cc your state's atty general office.

Mention any threats you have received.

If you then receive any calls or letters, you will then have another violation to report.

Also, always deny the debt.  Even in court.  They must prove up with documentation.  90% of the time they have no orifinal signature.  Meaning no proof.  No worries out there.

Its become pointless to respond to this forums, however after today and reading this one, I must reply

Beth I own this company. We are Manuszewski, Suraf & Associates LLC. We operate out of Buffalo NY and we a re legitimate collection agency. If you received a call from us, instead of blogging about it on a internet forum you should contact us. It may be we have a wrong number or you are the person we intended on speaking with. You should call me 716-235-5151

As for the rest of the post. Any legitimate collection agency is going to adhere to the state and federal laws. I read one of the post state that they were swearing at the consumer. If that is the case I'm sorry the FBI will not be able to help you. What any of you should do if you feel you are being abused by the caller. Get their name, the company name, phone number, and address. Of course the real scum bags wont give you that. First red flag! Next contact the attorney generals office of where they are located and file a complaint. Do the same through your attorney generals office for your state. After you have done that and it continues to happen then contact the FTC federal trade commission. Also you can seek out an attorney.

I own and operate my company. We play by the rules. I also sue those who refuse to resolve. Its not personal. For the record, you receive calls because the phone numbers we verify usually indicate the person we are looking for is indeed there. We don't just open a phone book and calls. We pay for very expensive programs that assist us in locating the person we need to speak with. This is why the calls go out. For those of you who they are asking for, its because you owe a debt. Chances are you are having an issue in the first place. Instead of blasting the companies online or playing all the games that people do, try talking to them. If they are rude and stupid with you on the phone get a manager. If they wont give one to you then wait and call back. If you can be creative enough to find forums like this to bash on the agencies then I'm sure you can find creative ways to work out your issues.

You can not borrow money and not pay it back. The banks changed all of that. Read the contracts you sign and agree upon. If you borrow money PAY IT BACK. For example; my company policy is....if we call you for a debt you owe and is in our office, the first 30days we offer you pay back only what you owed back however long ago your account charged off. That means no collection fees and no interest. After that yes we apply everything to your account. If you resolve it we will work it out with you. But for the many who cry scam or choose not to call back or flat out refuse to pay, your state laws allow us to secure a judgment. Most states also allow for wage garnishment. Because you agreed in the contract that if you defaulted you also get stuck with the attorney fees and court cost. This becomes very expensive for you. Trust me I would not have purchased your account if I couldn't prove you legally owe it.

I would like to make this clear as well because of all the nonsense I have read. When a collector tells you, you are going to jail. Or if they tell you some BS about bouncing checks, here's one that makes me laugh, they are a summons officer or a clerk of the court or a police officer detective, THEY ARE ALL BREAKING THE LAW AND YOU CAN SUE THEM FOR IT. We understand that other places are using these dirty tactics to collect from you. What we also know is when your trying to use that as an excuse not to pay. So if you ever get a call from Manuszewski, Suraf & Associates LLC or MSA Holdings LLC be sure to answer the phone....Ask for me if you have to.....and to everyone stop taking the money if you cant pay it back and no matter what your friends tell you or what you read on these blogs....some day your going to have to pay it back...don't wait until its grown so much that it'll impossible to pay....even if its a small payment plan....pay something....I know we aren't going to let you pass the statue of limitations...most others are not going to either.

And final note.... If they are calling to collect...get debt validation...a letter from their company explaining the offer. If they don't provide it DONT GIVE THEM YOUR MONEY!!!!!

I am an owner of a legitimate collection agency and when I read your post I felt the need to share this with you.

You said you paid off the debt years ago. The problem may be that you paid a scammer company. I would communicate with the company you paid. I would have them show that they either owned or had permission to collect on your debt. The sad part is, the people who are calling you now are most likely the real owners of that debt. Validate the debt. You still can even though you already paid.

I express caution on how your handling this. If the ones calling are the right full owners. They may still  be able to sue you.