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Good evening,

Today I received a call from a woman who stated she was calling as papers were being served and they wanted to make sure that someone would be at home. She did not identify herself or the name of her company until asked. I asked who was being sued and she provided my name. When asked about the debt she provided another number for me to call with a reference number.

The number provided to me was 1-877-283-1859. I  called, gave my last name and provided the reference number. The young lady I spoke with informed me that I was being sued for a payday loan taken out with Quick Cash Express on May 11, 2012.  The representative did not provide her name or the name of the company until I asked.  I asked for the name of the company, their address and license number. She sarcastically provided the information: J Powers at 111 North Orange Avenue, Orlando, Florida 32801 with a license number of 574891. The original amount of the loan is $500.00 and if I go to court they are looking to collect $1,488.00.  I can settle out of court for $698.00.  I have been searching online for this company and I cannot locate any information. I also asked for the name of the attorney handling the case and she stated it was J. Powers. 

Going back to the debt. I do recall taking out a payday loan- in fact I have taken out several years ago and learned my lesson. They are not worth the headache. 

I do not recall taking out a loan with Quick Cash Express so I asked if the company goes by another name. She said yes and gave me a list of names (Extra cash, Ace Cash, 500 fast cash etc.).  I do recall taking out a loan with Ace Cash but to my knowledge, the account was paid in full. I have checked my emails and the last contact I had with them was 2011 and my loan was paid in full. In addition, the company name changed to Advantage Cash Services.

I asked the representative if she could validate the debt and she said yes. She informed me that my bank account number was on file, my ssn, email address, mailing address and electronic signature. I asked if she could provide the loan document with the original signature and she said, "No. What more proof do you need? We have your information on file." 

Prior to these two calls today, I never received any correspondence or calls about this debt. 

I'm hoping that someone can point me in the right direction. I am not trying to get out of paying what I rightfully owe but I cannot just open my checkbook and pay someone just because they said I owe them money. I will continue to read the various threads to see what I can find. 

I need to know if this company exists, if they are licensed to collect and what I should do if I get served (other than going to court).

 

Thanks in advance. 

Nylady

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@nylady

More than likely, it's a scam because one is not usually alerted in advance of the service of a complaint.   You can go ahead and check with the court to see if a lawsuit has been filed against you, but I doubt a complaint has been filed.

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Gather round, it's story time.

Many years ago, I had the fascinating misfortune of getting to know a con man.  I was working in a legit phone center, and he had just gotten out of prison and started working there, too.  But, he informed me, he would only be there until the print shop finished his order so he could get some money to start another illegal phone operation.  This guy was handsome, a sharp dresser, great personality--and a total psychopath.  The scam was this:  He had cards, receipts, etc. printed up with ABC Collections or some such.  Then he would go door-to-door in poorer neighborhoods, knock doors, and say "I'm here for ABC Collections."  And most people would say something like, "Are you here about the credit card, or cable, or phone?"  Whatever they replied, he'd engage them  and then offer them a great deal.  He'd take whatever they had to "settle" the account.  He'd wipe them out and leave them with a worthless receipt with an illegible signature for a nonexistent company.

When someone you don't know calls you, you don't know who you're speaking with or what's truly going on.

Unfortunately, with the Equifax hack, there is a lot of mischief people can get into based on the information taken.  Clever people will find ways to manipulate that into scams.

Some people like to manipulate TCPA claims, but my advice is always the same:  Don't talk to people you don't know on the phone.  Don't even answer; that's why God invented voicemail.  If it's legit, they can and will send it in writing.  As a matter of personal policy, I don't engage anyone on the phone if they've initiated the call.  At the very least, I find out who they claim to be and say I'll call them back.  I look up the number; I never redial.

There are so many scammers out there you literally can't be too careful.

And, frankly, whoever this was did what they do best:  Got in your head.  Your imagination starts running wild--what did I forget to pay?  They'll take me to court and all this bad stuff will happen. . .

In reality, absolutely nothings happened except you talked to some idiots on the phone.  My advice:  Don't talk to idiots--it's a voluntary act.

There's nothing you really need to do now.  You don't need to look up anything, you don't even need to worry about it.  If you really do get sued, find an NACA attorney for a consult right away.  You shouldn't have any problem getting help if you get sued for something you already.

Seriously, be in charge of your phone.

(PS. My kids think I'm rude because I'm so quick to slam a door or hang up a phone, but in order for a scam to work, the scammer has to first engage you.  I simply don't engage.)

 

 

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1 hour ago, BV80 said:

@nylady

More than likely, it's a scam because one is not usually alerted in advance of the service of a complaint.   You can go ahead and check with the court to see if a lawsuit has been filed against you, but I doubt a complaint has been filed.

Thanks. I will check with the court.

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25 minutes ago, MisterLoon said:

Gather round, it's story time.

Many years ago, I had the fascinating misfortune of getting to know a con man.  I was working in a legit phone center, and he had just gotten out of prison and started working there, too.  But, he informed me, he would only be there until the print shop finished his order so he could get some money to start another illegal phone operation.  This guy was handsome, a sharp dresser, great personality--and a total psychopath.  The scam was this:  He had cards, receipts, etc. printed up with ABC Collections or some such.  Then he would go door-to-door in poorer neighborhoods, knock doors, and say "I'm here for ABC Collections."  And most people would say something like, "Are you here about the credit card, or cable, or phone?"  Whatever they replied, he'd engage them  and then offer them a great deal.  He'd take whatever they had to "settle" the account.  He'd wipe them out and leave them with a worthless receipt with an illegible signature for a nonexistent company.

When someone you don't know calls you, you don't know who you're speaking with or what's truly going on.

Unfortunately, with the Equifax hack, there is a lot of mischief people can get into based on the information taken.  Clever people will find ways to manipulate that into scams.

Some people like to manipulate TCPA claims, but my advice is always the same:  Don't talk to people you don't know on the phone.  Don't even answer; that's why God invented voicemail.  If it's legit, they can and will send it in writing.  As a matter of personal policy, I don't engage anyone on the phone if they've initiated the call.  At the very least, I find out who they claim to be and say I'll call them back.  I look up the number; I never redial.

There are so many scammers out there you literally can't be too careful.

And, frankly, whoever this was did what they do best:  Got in your head.  Your imagination starts running wild--what did I forget to pay?  They'll take me to court and all this bad stuff will happen. . .

In reality, absolutely nothings happened except you talked to some idiots on the phone.  My advice:  Don't talk to idiots--it's a voluntary act.

There's nothing you really need to do now.  You don't need to look up anything, you don't even need to worry about it.  If you really do get sued, find an NACA attorney for a consult right away.  You shouldn't have any problem getting help if you get sued for something you already.

Seriously, be in charge of your phone.

(PS. My kids think I'm rude because I'm so quick to slam a door or hang up a phone, but in order for a scam to work, the scammer has to first engage you.  I simply don't engage.)

 

 

Thanks for the quick response. I do not wish to speak to anyone from here on. I will wait until they serve me as stated and handle it from there. 

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1 minute ago, nobk4me said:

It's a scam.  Process servers don't call to make sure you are home (who would be there for them?).  

I never thought about that but I was wondering if these two people who called were working together.  Said she was calling to make sure someone would be home as I was being served. Never even verified the address. 

 

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4 minutes ago, nylady said:

I never thought about that but I was wondering if these two people who called were working together.  Said she was calling to make sure someone would be home as I was being served. Never even verified the address. 

 

They were absolutely working together.  And, it's unusual that an attorney in Florida would be filing lawsuits in New York.  The attorney would have to be admitted to practice in NY.  

They were trying to scare you into paying them.  

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These scammers have really done their homework but the lie only goes so far. The big thing here is that process servers will never call you. They simply show up and surprise you and before you have time to react, you have been served. This is a scam that has been around for a while and is big in the Payday loan business where all the sharks show up. I have had these scammers last call me during Christmas looking to serve someone else and they never has shown up (unless they went to that other person's address and I don't know about it).

The best way to deal with these people is to not talk to them. If you do end up talking to them, the best way to get them going is that when they say the process server is coming, tell them you will have the coffee ready for the server. Eventually, they will realize that you are not falling for the scam and go in search of more gullible victims.

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23 minutes ago, WhoCares1000 said:

These scammers have really done their homework but the lie only goes so far. The big thing here is that process servers will never call you. They simply show up and surprise you and before you have time to react, you have been served. This is a scam that has been around for a while and is big in the Payday loan business where all the sharks show up. I have had these scammers last call me during Christmas looking to serve someone else and they never has shown up (unless they went to that other person's address and I don't know about it).

The best way to deal with these people is to not talk to them. If you do end up talking to them, the best way to get them going is that when they say the process server is coming, tell them you will have the coffee ready for the server. Eventually, they will realize that you are not falling for the scam and go in search of more gullible victims.

I appreciate the feedback. Thanks 

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1 hour ago, fisthardcheese said:

Tell them you will meet them at the police station to accept service from them.  Watch how fast they hang up.

😁. That's a good one.  Still patiently waiting.  

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