Riscuity threatened to arrest unless payment in full

Riscuity, Inc.
1600 Terrell Mill Rd
Suite B
Marietta, GA 30067

Phone # 678-564-3300
Fax 678-564-3399

Hi Knee,

Welcome to the forums.

I got the address of the two collection agencies for you from the BBB database.

Riscuity Intelligent Risk Solutions
1600 Terrell Mill Rd #B
Marietta, GA 30067
(800) 929-0950

Riscuity/Capital Crossing
225 Town Park Drive Suite 425
Kennesaw, GA 30144
(888) 384-6986

It is true that the collection agency has to produce something in writing before they try to recover the debt from you. As per the fdcpa law, you can refuse to pay if the debt is not validated.

http://www.debtconsolidationcare.com/validation.html

Moreover, they are violating the law by repeatedly calling you at your place of work and harassing you. All these unfair tactics of recovering the debt should be reported to the bureaus and legal actions should be taken against them.

Make sure that you send your cease and desist letter through certified mail with return receipt requested. This way, you will be able to track your information and also will get sure of your mail getting delivered to the agency. It will have a date specified on it which will prove your efforts made.

If you have any queries regarding it, please let me know.

Regards
Roxette

I spoke to another person from this company who has told me that this debt needs to be paid in full or legal action would be taken immediately. He asked for post dated check or Debit card to do this. I said it was not possible and he said than you have a problem and you will deal with the consequences. I told him that I wanted something in writing and was once again told the only thing I would get in writing was a receipt when I paid in full. I hung up on him. I want to send the letter to him about all correspondence being in writing and not taking calls any longer but can't find a copy. Can someone help me? I called the Florida Dept of Financial Services and Riscuity is licensed however their corporate offices are located in the Philipines and have a branch office in Georgia.

Knee, here is a good C&D letter. Cut and paste it to your liking... Make sure you send it certified/return receipt and keep a copy.


Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to the telephone conversation I had with _____________on ________________. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for ???verification??? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:


What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

I will be sure to save a copy and keep it on hand to help in the future. I appreciate your help! Have a great weekend!

Hi knee. I used to be a debtor of Riscuity months ago. An agent has contacted me at work. She had not threathened me or any act may be similar to threathening. She was very polite and tactful. I was also asking for the proof of the debt but she told me that they did sent the letter but i have not received any to that very day of conversation. She told me that if I could issue a post dated check or debit check for the payment she would qualify me on the payment arrangement they have. I did issue a check dated 5 days after the conversation and we had agreed to split the payment in two. Then we agreed she will just call me again to remind the payment. Then a month after the last payment i have received a payment in full letter. I don't feel any kind of harrassment and i was never threathened in our arrangement and even thankful that a collection agency like Riscuity do offer arrangements just to help us debtors pay our debt in our most convenient ways.

hi knee!!!! i hate to disagree with you... i'm also one of the so called debtotrs of riscuity....at first i dont want to belive on the person whom i spoke with... when she gave there company name i really had a bad time getting it right.there company is not familiar... but the lady who called me named gail was so polite and so sweet.. she discussed to me everything she answered all my questions politely and she helped me out in making a paymnt arrangmnt with her since i can't pay my account in one time; she offered me different payment mode she never threatened me and never used any legal talks on me.. she just briefly discussd my account to me. she was very professional whatever we agreed upon to deduct from my chcking accout thats the only amount she did took from my accnt; she was very patient in giving me reminder call that they will about to run my chck... knee, i'm sorry bo=ut my experience with riscuity was really quite a different story from you..twas he opposite of yours... probably you was so rude with them... try to be nice with them besides they are there to help us.. they helped me.. gail helped me riscuity helped me

Brenda and Mage

You both are few of the lucky ones who just came together in this site and posted your good experiences with riscuity. Not all people work in the same way like Gail did as you say. I hope that Knee gets in touch with Gail this time.

I am also a debtor of Riscuity and just like Knee, I have had a bad experience with them. They called me asking for payment in full and I told them that it wasn't feasible and just today I find out that they debited my account for the entire amount causing my other checks to bounce. I had previously made a payment to them by check and they already had my information. I now have to pay $330 in overdraft fees because of their unauthorized debit from my account.

Fancysmiley

I will like to talk with your bank and enquire about this unauthorized debit. They are likely to give you a report and if it is in your favor, then you can file a case against Riscuity for unauthorized debits.

In the meantime, ask them to split your payments each month so that you can surely pay it off.

Riscuity is responding to the concerns voiced on this website. We would first like to state that we are not confirming the allegations here, but addressing these very pressing concerns and letting the public know that we take these allegations very seriously and conduct thorough investigations whenever allegations such as these are made. Any collector found making threats or breaking any collection law is immediately terminated. Riscuity has a zero tolerance policy pertaining to fdcpa violations and/or collector misconduct. While employed with Riscuity, all collectors are subject to monitoring reviews in order to insure compliance.


Specifically, Mr. Davis (a collector mentioned in the allegations here) was terminated in September of 2005. The reasons for the termination remain confidential.


Moreover, Riscuity's primary business is the collection of bad debts. It is the practice and policy of Riscuity to work with every customer in a professional manner and when necessary work out payment arrangements to avoid further collection efforts. Unfortunately, no one likes to receive a collection call and those calls may often be uncomfortable for the debtor. We do our best to make each call as comfortable as possible and try to help each debtor resolve each matter expeditiously.

We hope this helps ease some of the concerns expressed here and trust that our debtors now have a better understanding of our internal processes.

Thank you.

Riscuity

Watch your back and document and tape record everything with these guys. These jerks threatened me everyday with freezing my bank account and I was scared, didn't know my rights and foolishly sent them the money. I asked for three months for a paid in full receipt and finally after telling them that my attorney would be in touch, they faxed the paid in full statement. It took me 4 months to get the credit bureaus to correct the information and show the account paid in full. Like I said before, WATCH YOUR BACK with Riscuity.

riscuity took money out of our checkining account with out are knowledge and we never received a letter from them or gave them the permmission to take the money out and thanks to them our rent check as bounced

Hi darktigeress

Sorry to hear about this incidence. Close your checking account if it is necessary. You should file your complaints against them at the local attorney general office, FTC and the BBB.

You can also take some legal advice and file charges with the help of your lawyer against this company. If you do not take actions against them, they will use your personal information illegally and you will have to go through many unwanted situations.

Regards
Roxette

Hey knee: hope this helps...try calling Security Check, LLC in Southaven (Oxford) MS @ 877.892.4325. They tried to collect from me through this merchant Riscuity. Also, they have a POB 1530, Dept 010, MS, 38671-0016. Wild, eh? Perhaps they can give you what you need.

I to had money taken out of my account. Riscuity collects on Payday loan accounts from my understanding. After battleing with them over why they took the money out, it was explained to me that becuase my check to the Payloan company bounced they (riscuity) had every right to redeposit that bad check.

The gentleman I spoke with faxed me over the laon application that I signed to get the payday load and it clearly indicated, in the small print of course, that redepositing can and will be done if the check was unhonored from my bank.

The check I wrote to the payday loan company was unhonored becuase of a check someone wrote me that did not clear the bank. This caused a ripple effect on my checking account causing numerous checks to bounce. It just so happens that this was one of them.

Anyway, before anyone goes and wastes their money trying to seek legal advice against them (riscuity) I suggest you look at your loan applications. I would hate to see you throw good money after bad trying to fight them over something that you will not win on.

Steve

Steve,

Thank you for the information. I checked my loan application and yes it says that redeposit is part of the collection of a check that bounces. I was unaware of this. I thought that once a check bounces it can not be redeposit. I called my bank and they told me that a check that did not clear the bank can be put back in "at the discretion of the payee" within a reasonable time frame.

I was contacted by a company in Mississippi that collects these accounts for this company Riscuity. I do not know what the relationship is between the Mississippi company and Riscuity.

I had no problem with the people at this Mississippi company. They were easy to talk to. They were flexible with me as far as setting up a payment arrangement over 3 months.

Linda

I totally agree, do not let these "fleas" know any of your account numbers or phone numbers. Not only have they called me at work, when I specifically asked them not call me at work, the "flea" at the other end, "KC Lewis" she called herself, started screaming at me. I work in the Chairman of Pediatrics office at at major hospital. People all around, and this person is screaming. I hung up the phone and she called back several times. She called once when I was out of the office and harrassed my co-worker stating my co-worker was me because I always answer the phones. You know these can not be American people, they don't even know how businesses work. When she called again, I again asked her not to call me at work, with everyone looking at me, and hung up again. She again called me screaming. Not only if I knew her real name (you all know that they do not use their real names), I would find out where she works and have a face to face "talk" with her. I asked several times to speak to her manager and she would not let me do that. Then one time she told me to hold and put someone on the phone who sounded just like her with a different name. Then she/they started calling my mother and fathers house and they are in their late 80s, and how they got their number I have no idea, and started harrassing them. My father has had a stroke, my mother did not know who was calling or why (the "flea" could not speak English well enough for anyone to understand her). And when my mother hung up the phone, this "flea" called her back several times raising her voice to my 80 year old mother. I told her not to be calling them and told her of their situation twice. And last evening I stopped by mothers house and this "flea" called them again doing the same thing. When I got on the phone she started screaming again. I am definitely going to seek legal advice and hopefully sue Riscuity. I also have asked them to send me, in writing, what they say I owe, and they have not done so. It is one thing to harrass me, but to harrass two old people who are disabled is totally uncalled for and there is no excuse for it. They say I owe $100, and for this they harrass me numerous times and harrass my aging parents. If I prove that my parents have reprecussions from their harrassment, I'll own Riscuity. Thank you for the addresses, I will send a letter to each one, because when I asked this "flea" for the address she would not give it to me. You have to wonder why???

Hi loubie

I am sorry to hear about the troubles you and your parents are going through. You have to send a cease and desist letter to Riscuity so that they are put within the legal restrictions and stop calling you.

Send your letter through certified mail with return receipt requested. You will have a proof that they have received your letter and also, you can take actions if they violate it.

u know wat you got issues and thats not their problem anymore! just pay your debt..as simple as that

It's not the issue of paying the bill. All they have to do is send me something in writing. I'm not going to send $100 to anyone who calls and says I owe $100. Not only that, but there is no call whatsoever to talk and treat people that way, especially aging ones. I do have issues about this. I have always paid my bills and if I owe this one I'll pay it also. I don't think I do, but we will see. But like I stated there is no need to be treated or talked to the way they do to people.

Rescuity has been nothing but headaches over and over again. I have tried to make payment arrangements but they are constantly telling me that they need a payment to hold the account from being turned over to the local attorney offices and taking me to court and pressing criminal charges for a defaulted cash advance account. After talking to my attorney she informed me that this was illegal and I could press changes against the corporation for this matter. Not only that if the issue was to resolve the issue they should be able to wait a week or 2 until I have the funds available. Now they are telling me to hold on to the money that I was going to send and just get an a lawyer because they are going to take me to court and sue me and or get jail time for bouncing a check with a payday advance place. Also, they play tactics like being rude, threating and talking down about you and then say hold on...come back to the phone and inform you that the call is now being recorded. This is fine because I kept my cool and contacted my attorney right after the phone call. These people names are Mr. Lundy and Frank....Frank never gives his last name so you can only guess who is making the threats. But they are both making threats which is illegal...calling my job is illegal.....threating with criminal charges is illegal.....telling me they rather sue so they can get more money is illegal....at this point I am waiting to go to court so I can step in with my lawyer.....

Newuser

You are in the right direction. Take the advice from your lawyer and pen down the legal charges that you can file against Riscuity.

Riscuity debited my checking account and I don't even know who they are or represent, there was an unauthorized amount of $610 taken from my checking account. How are they able to do this without my authorization?

These trolls coming in here cracks me up. All of you that have a case need to file suit on these fools. If we don't they'll keep doing this kind of stuff. I have a collector trying to come after me for a 15 year old debt. (HELLO! It's way out of statute!) I hope they try to get a judgement on me. I'm just waiting for them to put something on my credit report so I can sue them. Please people, take action or it will never stop.

Something very important to remember, just because they say "a bill needs to be addressed or face serious legal action" DOES NOT mean they are threatening to have you arrested. They ARE PROBABLY THREATENING a law suit ( which is also illegal unless they actually intend to follow through and file the suit). Its kind of a who flinches first situation, do you flinch first and pay?? or make them flinch and follow through on their threat of a suit. If they do not file suit then you can sue for Violation of the fdcpa.

Can these guys take you to jail for not paying a payday advance loan? I am asking this because they keep saying I commited a felony for not honoring a check to this place.

They cannot send you to jail. That is just another threat!

I appreciate the note from a representative of the company, earlier mentioned. It's nice they have their set of principles and procedures. However, I am quite certain they won't terminate everyone all at the same time for breaking the law.

I have retained an attorney who is well experienced with the fdcpa and is going (if he hasn't already) to be filing in Federal Court a lawsuit. The messages left for me are unbelievable, no matter how polite the collector appears to be. He had broken the law.

But if check fraud is a felony crime, writing a check to a payday advance place that is not honored is a felony right? This is one reason why I am so afraid.....

Do some research on bad checks or hot checks. A bad check is when you fail to pay for a merchandise on delivery COD. A post-dated check for a loan is not a bad check because when you wrote the check both parties knew it would bounce back and thats why it was post-dated. Also there is no merchandise that you receive from a payday loan company.

Therefore, a bounced-back check for the payment of a loan is not considered check fraud. period.

When I told my counselor at CCCS about the arrest threats, he couldnt help laughing his ass off.

Did you really write a check?

I tell you, I had made a disastrous mistake a year ago with taking out several payday loans. One after the other, as the finance fees that would come out every payday would put me under, and I'd need yet another to cover the bills. It got WAY out of control. Before I knew it, I had to close the bank account to settle things one at a time. And it's not been pretty.

I finally had to get into debt counseling, who ref'd me to an attorney well associated with the fdcpa. You can check out who is available in your state. Indicate the specialty of "debt collection" and you'll find your person.

I had several agencies willing to work with me, and handled them just fine. Then there were the others, who in fact, had access to my banking information, and before I closed the account, were able to withdraw funds without my knowing (it occurred outside of a payday, like a good week past).

One of the collection agencies representing the payday loan lender had ALL my information, so on top of breaking the law by telling me that I was going to be prosecuted for FRAUD for "writing a check on an account that was closed" and then later deducting the full amount owed to the company this agency represented (on the same bank account, I might add, the collector stated that I had closed and written a bad check on!!!!).

Tape ALL messages and record ALL calls. There are certain states where recording is permissable, and other states where it is not. Your attorney will help you with that. Once my attorney heard the messages left for me from this collector, he told me to NOT erase anything, and to save everything. This was BIG money, and even though my debt has now been paid (the collector submitted an electronic check #101 for the amount owed, and an indication with "no signature required" where my signature would normally be), I hope to regain that PLUS damages.

P.S. Some FDCPA attorneys work probono. I have not had to pay a dime since I retained him--he gets paid when they collect on the lawsuit. In addition to all the damages I am entitled to. :)

Link made inactive as per forum rules - Vikas

I have already closed my checking account. The only account I have is a savings account. They are just calling me daily with threats, even though I have an attorney that they know about they still insist on calling my job. Good thing I have an office otherwise I would be fired by now.....

I noticed I was a negative 358 dollars from my checking account due to an unauthorized ach withdrawal that Riscuity process for a payday loan I had failed to pay on. It cause 120.00 in overdraft fees and I never got a phone call or letter stating that the pull was going to take place. When I called the 800 number listed on my bank statement I was informed by Riscuity that according to the fine print on the contract I had signed that a stop pay issue or insufficient funds check could be redeposited to collect the debt. The kicker of this all was the stop pay I had placed on the check # they referenced was from a different bank than the account from which they pulled it from. I have no idea how they got my Bank One Account #. I wasnt disputing the debt and wanted it off my bank but I did request the overdraft fees from this company as I felt this was fair. I told them to get a copy of this supposed check and they would see that it was not the same bank from which the pulled. The woman was polite but uppity in her reply that what they did was ethical and they had attorneys on site as to such. As a single mom at Xmas time to recover a debt A year later and leave me with nothing for my kids for two weeks was unconstitional. :evil:

Guest, send a cease and desist letter to the company and cover your basis legally.

Okay, they can only debit a checking account for the funds. If I closed my account then there is no way for them to debit my account. As mentioned earlier I only maitain a savings. Could they debit my savings?

Yes, they can still debit your savings account, but only if you authorize it.

Personally, I will never again give out my banking information to anyone. For now on, I will send money orders only, as there has been too much unauthorized use in my account(s). Even one creditor I had at one time made a pmt using my debit card, and they later ran my card again for the remaining balance (quickly reversed by my bank once I submitted the unauthorized debit form).

DO NOT give out your account information. You could be in my situation now, unable to make a payment, and then someone would pull a quick one on you and send their letter of demand to your employer, expecting the entire amount. My company's payroll will also not put themselves in any other position, either, as they want to avoid being sued.

Just make a reasonable pmt plan, and stick to it. If they ask for postdated pmts, tell them you have no checking account and send money orders. The buck it costs to get a money order will save you in the long run! :)

They are a rude, unprof group of people. I was "not" a problem employee, i had pride and did not want a law suit against me, i got out before the law comes down on the company, riscuity was capital crossing at the beginning, due to name rights they changed to riscuity, they have an office in makati city, philippines and an office in georgia, but the office that these people(named in complaints) breaking the law work out of kennesaw or as you have it atlanta office. The owner main person is edward chen, who lives in duluth georgia, they are backed by a company known s tdg, the former ceo was term as well as his management team becasue he tired to stop the actions you read above, please check the company licience in each state, you might find they are not even licenced to collect in most states. The state of tn they are still running under a previous persons lic. Someone that has been gone for over a yr, i wish i could tell you more, i am not sure what legal action they could bring against me if they know who i am. I really do not want a problem but i was in upper management and can shock the socks off you with what i know.

That is only if I authorize it with them correct? Because at this time I hvae to idea about the papers I sigend with the Payday advance place. And I have never gave Rescurity my banking informaiton. I have already talked to my employer and they said the will only take funds from my check if court orderd. Now I will talk to my bank. In addition, they are refusing payment plans and just want the lump sum......

you can tell your bank it was not authz and they will have to reverse the charge, the only way they can do it is if it is a judgment was entered to take it out of a different account. They are not going to give you fees, I know that, you gave in to easy, demand the org ck copy and demand a copy of the contract you signed, do not let them fax it, it can be altered, you cut and paste and it looks like yours, get a copy mailed, get your bank to reverse it and don't stop yelling until this is done.

My account has only been in the Riscuity office for 3 weeks. Is that long enough for this to happen and for me to receive the threats?

Each state has laws for writing bad checks, the amount of the check is important, you can be charged with a crime, IF your state law lets them and again based on the amount of the check, they are not going to bring charges like that, all they are going to do is try and get a judgment in court, then if and I say if you are in a garnishment state and the judge agrees they can garnish your wages. Not every state permits garnishment so check your state laws. If you let it go to the judge they have to come to you, in your state and file in the county you live in, then you can go infront of the judge, show your income ability and he or she might let you make small payments, or place a judgment against you and give you time to pay it. this does not happen that over night, you also need to look into the SOL, statue in your state, each state has a diff statue. IF you are in FL, TX or PA, they can not garn you and if you are a federal employee they can not garn you in any state. I would tell them go for it, then start sending in 25.00 or so until paid, with a cease ltr

Well, if anyone knows how these places work. They request you to write 2 or 3 checks for that equals the amount of the loan. Then if by any means the entire amount isn't available they try to deposit 1 check at a time. The total amount of each draft is less than 250...

Guest, when funds are not available within the next payday, extra fees is getting added for each extension taken. The rates of interest on default are exorbitant.

Never take a payday loan if you are thinking about it. These loans are dangerous. The complete financial system will get ruined. It is only for those who have enough cash available to pay within the next payday.

CLOSE YOUR ACCOUNT, this will stop the redeposit of these checks, if you don't each time they try there is going to be another charge, both at your bank and with them. The fdcpa states you have 30 days to dispute, request proof before additional action can be taken. If you dispute this in writing, or FAX keep a copy of fax trans. then until they produce proof copy of the check, not contact alone but the check in question then they can do nothing. If you know you owe it, never , never give them the upper hand, get the address and mail them a money order, make sure you close you account or put you bank on guard this company is trying to take UNAUTH. funds, but make sure you close the old account, if not today then tomorrow or next month or a year from now they will try again.

I to had problmes with this company, in research i find they do not use their correct names, they change day to day, i also found they do not licence the company in all states and you must register aka names and they are not doing it. Mr Davis is still employeed he uses a different name. I filed a complaint and will continue to try for class action against Riscuity for unlawful collections in states they are not licenced to collect in, i have and will continue to do what is needed so no one else has to deal with this type of harassement. We all made mistakes and Payday loan was mine, I suffered more using Payday loans then being broke in the first place. Riscuity was a eye opening to what type of trash people will hire. This company will get it, what goes around comes around and the law suits will start and soon.

Maryt

Welcome to the forums.

You might get some help from your phone company. Request them to block the calls from this number.

If Riscuity really holds your debt account, then you should insist for a debt validation. They are necessarily required to put the account details in front of you. If the debt is not validated and they still contact, consumer protection afforded by the fdcpa is violated under Section 809 (b). Take legal counsel and sue them up to the extent of the damages. You can get up to $1,000

I was recently contacted by Riscuity asking me to pay a delinquent account. I explained that my ex-wife used my name then (when we're still together) in opening the account. I expressed my willingness to pay the account. However, I gave a condition that I receive a writing from the collection agency stating that the account wasn't really mine but since I will be paying for it just the same, they will be committed to deleting the entry from my credit report. Is this possible??

Riscuity operates illegally in most states. Check your States laws for their license and bonding info. The payday advance companies and their collection agencies cannot file lawsuits or involve law enforcement for bad checks in their collection tactics. This is mandated by law in the respective statutes that govern these payday advance companies. Ricsuity will attempt any means possible in threats, phone calls, legal, etc. I get phone calls from "Detective Jones" who is "preparing to take the case to the next department" if I don't pay. Others call at work constantly, 10 -20 times a day at home, and all this after a C & D letter. I hope they keep it up as I have documented numerous violations along with a validation letter they ignored. Also, they have reported blatant inaccurate info on my credit reports. I expect to file a lawsuit soon as they just keep digging a larger hole to bury themselves. This company is the worst!
Do not give in. Document everything. Send a cease and desist letter immediately. Request your debt validation. Send complaint letters to your State agencies, FTC, Georgia AG.
Take a stand against these leeches. It will only be a matter of time before the law catches up to them.

Clark you say it like it is. If all of us take your stand we be free of companies like this. I did some research re Ex-Employee notes I find a Edward E Chen is owner, or one of them and he does live at Personal info removed - Vikas a lady said he was at the office but cut me off when I ask if he was the EChen of Riscuity. the lady she hang up on me. i am sending him letters, i want him to know what a awfull company he has and maybe is he gets these letters he will stop his company from doing these things. I am giving him my name so he knows what they did to me.

desperat, man its Christmas and I got kids that think Santa is coming, if these jerks take my pay then who will be Santa.

I had no idea so many others has this issue also. I messed up last year and go myself over my head and used PaydayLoans. I know I owe money but these people are not willing to work with me. I tell them no calls to my job and they call back in an hour. I again tell them I got no funds but they say they will tell my boss and get him to send the money if I do not give them my bank numbers. they know I have direct deposit and say they can get my boss to tell them the numbers and take it but will cost me more. can they do this to me?