SHADOWCREEK CAPITAL

Let me interject a little bit here.  All of these collection companies trying to collect on bad payday loans are bottom feeders that either stole your information or bought it for pennies.  they threaten, they call over and over and if you get scared it's only normal.  until that same person is calling again for more money after they told you it's was settled.  you ask what the orignal loan company is and they can't tell you, they always say it's usa payday loan although that wasn't the same company you took the loan from.  now the original loan company changes it's name and you have no idea how to trace where to pay back the original loan.  your name and information has now been sold to 5 different places trying to collect on you.  it's all a f'n scam and anyone that works for these companies should go to hell.  Bottom line if you don't know a number then let it go to voicemail.  if it's important enough they'll leave a message.  if you listen to the message and it has a piece of sh*t indian on the other end tell them to f off and hang up.

"....anyone that works for these companies should go to hell". These a re jobs that people are raising a family on.

When poppy farmers make all their money from the heroin trade, they're just hard working family men, too. Precious little nobility in that much compromise of values. Children of Shadowcreek reps are unlikely to submit a school essay titled "Someday I'll Be an Extortionist Like My Daddy".

What is a "re jobs"?

LOL RES!

'These are'-was a typo

Larry Svoboda = James Waldorf (Not real last name)
Paul Carter = Matthew
Ryan Murphy = Joe

They pretend they are "process servers" with their fake name when they make calls out. Then when you call back in, they will use their "real name". Nobody is going to be served. NO judgments will be issued. All they are is a collection agency.

They do not record anything. So always ask for the recording if you make any statements to them. See how they finagle their way out of it.

Larry Svoboda = James Waldorf (James Forster)
Paul Carter = Matt
Salvador = Mr. Tomaka (Bill)
Dave Smith = Joe
Genivieve = Lorie

The first name is what they call a "shake" name in which they act as locating agents or process servers. Then you call in, they use their real name which is the 2nd one listed.

this company called my mom and dad claiming that I was going to get served at my job or home. They couldn't tell me what town or county Iived in. I called the number and asked for the person who left the message, the first reply was "no one by that name works here!" by the end of the conversation it was "he is the person looking to serve you."

in less than 24 hours he called me asking if I had the $ I owed this compnay and I said no, he said well, I guess I will have to release the temporary "hold" I had out to the person who was waiting to serve you the papers....I asked hiim his name, he said "Joe"....I said "Joe What?"...his reply, was "Smith!" Then I knew it was a scam. I don't dispute owing the money,but to tell me I'm going to have to pay $2100 for a $250 payday loan is ridiculous! and to try and threaten me. No thanks

You absolutely SHOULD dispute the debt - you may owe a debt to someone, but you should NEVER pay any caller who refuses to MAIL a debt validation letter showing you owe the debt and that they have the legal right to collect said debt.  In fact, your caller has only five days from the date of the first call to mail this documentation to you.  Refusal to mail the DV letter is a violation of the FDCPA, and you should not pay anyone who cannot or will not mail proof of debt to you.  

Please do report the caller to the FTC, FBI and your state's Attorney General.

More info here:

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.consumer.ftc.gov/articles/0258-fake-debt-collectors

They had some lady named, Gina Lewis call my phone from a private number. She left a message saying she would be coming to my house or my job the next day. Today is the next day. She left a number for me to call Shadow Creek but, get this. When I called some guy answered and all i could hear was kids in the background so he put me on hold and then hung up. I called back like three times and got th answering service. I left three very explicif messages. It's a scam don't fall for it.

I thought this was real. They got me for $526. How can I get it back???

Assuming a bogus debt and/or illegal collection methods are part of the story you didn't tell:

- Gather evidence of violations of FDCPA, state law, and whatever else applies.
- Draft a civil complaint, naming Shadowcreek as your defendant, and serve.
- Engage in horse trading for some unspecified period.
- Get the offenders to eat a judgment if possible.
- By judgment or settlement, extract $526 as your actual damages, $1k statutory damages, and your legal fees from the loser's hide.

Anyway, that's how I would get it ... or them ... back.

FDCPA §1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k

I whole-hardily agree with your post. Folks should own up to their debts and stop whining when a collection agency wants their clients money back.

And I agree wholeheartedly that folks should pay Legitimate bills. However, I don't believe that anyone should pay a fraudulent made up bill to some professional deadbeat fraudulent extortion scammer that thinks people need to pay for fraudulent made up bills and that the world owes them a living. No one owes frauds a living short of a nice jail cell in federal prison.

Nice try, but epic failure of the deadbeat scammy shilly troll again!