Is Morgan & Associates the same people as U.S. National?

I'm not quite sure that Morgan & Associates and U.S. National are the same entity, but have found the following information about Morgan & Associates and their DBAs (doing business as) in BBB: -



They are not a BBB accredited company and you can contact them at: -

I received a phone call from "Bill Smith" today at 9:15AM. Bill repeatedly states he is calling with a law firm, and refuses to provide the name of his company when asked. I advised him again not to call me at work, and that his behavior is harrassing and not in line with Fair Debt Collection Practices Act. I asked for the name of the lawfirm he is employed through and he states Morgan & Associates. I told him I would be filing a complaint with my state's AG Office. I asked for the company address, Mr. Smith asked what I needed the address for, and I told him to file a complaint with the AG, he then told me he would not provide that information. I told him again not to contact me at my work telephone number and disconnected the call. I then went to a meeting and was away from my desk. Upon my return I five missed calls from Mr. Bill Smith and one message. The message was left at 9:21AM, Bill Smith identified himself states he is calling with a legal matter from cash net, states cash net is suing me for 5,000 dollars with 3 criminal charges and that they were going to for my state taxes. H states I need to get ready for a legal mess. He advised me to return a call to him and to have a good day. He then called back twice at 9:24AM, again at 9:25AM, and finally (so far) at 9:30AM. each time he did not disconnect the call prior to my voicemail initializing. The tone in his VM is very harrassing, and threatening. The constant repetitive phone calls are being made in a harrassing manner which is very deliberate immediatly after I tell him not to call me at work, and that i am not allowed to receive personal calls at work.

Steps for stopping harassing creditor phone calls

So here we go again... I am getting the same calls from the same people that was using 347.602.4546. Going by the names of Gary Jones and John! THIS IS ANOTHER SCAM!!! These people want me to pay for a loan that doesn't exist. They are threatening to run my credit and take out a loan in my name or pay up... i am not paying up! TAKE PRECAUTIONS - go onto these three sites and put up a fraud alert on your credit reports that way if anything is ran, you will be contacted. It is FREE and a good way to protect yourself in case they do figure out a way to get the money. TransUnion - call 1-800-680-7289; Experian - https://www.experian.com/fraud/center.html and Equifax - https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp ... DO NOT pay for any loan that you did not personally take out! Also, be sure to contact your local authorities, there is a case being opened in NY to investigate this! Good Luck!!!

this company will be taken care of in heart beat or goal terminate and stop permanately.

I just received 4 phone calls from some internet loan I received in the past. He called himself Leo Fernandez from Morgan & Associates Law Firm. I google Morgan & Assocates in OKC, Oklahoma. They do not know a Leo Fernandez, he stated I have criminal Alligations need to get a Criminal Atty and it is a law Suit as well. The person sound like he was from India or pakistan.

I am receiving the same type of harrassing calls. I've gone through my bank statements and cannot find any evidence of a loan they say I took out. One man, with the same heavy accents as the others, said he was a detective (but is calling from a Utah number). They also called one of my friends and said they were in Pennsylvania. Not sure what to do except wait for charges....

There wont be any charges, its a scam out of India, ignore them. Dont engage them on the phone-they thrive on that-scaring people out of their money

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Hello, I just received the same call today 7/13/10 from Mr.Fernandez with the same dialog, but this time my name was used as a reference. I immediately threatened Mr. Fernandez that he is harassing me and I do not know the individual he is questioning about.

I just received a call from 347-674-1895 same conversation as all of you. Guys name David Kennedy(thick accent) and his supervisor Stan Lee (thick accent, not asian), I asked for their address, told me I did not need this, I was being sued by US CashAdvance. I told them I knew they were a scam and I hung up. I called them back and told them I needed all their information and that the call was being recorded they hung up on me. They haven't called back yet but I'm ready if they do. I hate to sound negative but I see reports on these people from a few years ago up until now and they are still at it. They don't seem to be going away.

I received the same phone calls last night from a man calling himself Martin Thomas stating a had an outstanding loan. I have never taken out a loan before so I had no idea what he was talking about so I returned his phone call this afternoon. I first asked him whom he was employed by and what my case or complaint number was in regards to this issue. He got defensive and refused to answer I then told him that I was unable to understand him at all so to speak clearer. After he hung up on me numerous times and told me not to call him back because he was going to "kick my ass"I googled the Morgan and ass. and got this page. I have already made a complaint through FTC but I feel that someone has to do something about this. After reading that the same people have been doing this for yrs it seems that something should be done. While I have been doing errands and other stuff I have been calling the indian accent man at 469 322 9962 so he can see how it feels.. I can tell you he does not like it at all. TRY IT turn the table on these not so nice people...

I have received another call with the same idea from William and Scott cyber crime unit.
One man named Mr. Reed (heavy accent) a ton of background noise from other calls they were making. Told I have 3 crimes against me, told them the call was being recorded for an ongoing investigation, I asked for their address, got very angry at me an hung up on me. Just another nuisance probably from same fools. How can we eliminate the headaches from them calling. They must get some people who send them money out of fear, so they just keep going and going. There must me something we can do their number showed up as 0000 only, I don't know how they do this.

I recieved the same scam call from this so call Law firm Morgan & Associate, the heavy accent guy asked me to buy a prepaid card and put money on it to pay for a payday loan, i have no idea of the name. i quickly research them on the internet and i found out they were scammers.

I have received the same calls, at home and at work.....they say their name is "John Smith" or "Officer Charles Green" and state that they are from the dept. of Public safety, Bureau of Crime ID. This is not real. I do not owe them money, but it is is embaressing and humiliating to be called at work where I am a nurse, and they have even called other departments there. I also asked for a fax number or an address, anything, and they refuse. The horror stories I hear are awful, an don one blog I read, a man even said they threatened to kill him. And what is anyone doing about this!!!! it seems we are on our own. This has been going on for years and the blogs don't change. I wrote complaints to The better business bureau (but, believe me, these guys don't care if the BBB isn't on their side) The Federal Trade Commission, my NY state Attorney General, My state senator, and even the White House.......betcha I don't even get a reply!!!!!! let alone any help! If anyone has any specific ideas on what helps, let me know.some say "hire a lawyer".....Honey, if I had money to hire a lawyer, I probably wouldn't be here!!!!!!

I have recieved numerous calls from these folks saying that I have crimal charges being filed against me and will be downloaded into the courts. I finally said if you dont sent me anything in writing you need to stop calling me, or my employer's lawyer will contact you. So Eddie Smith sent an email to me with what looks like a cut and pasted header from Morgan and associates, I too googled them and could not find any place like that in california. The name on the "legal affidavit" was different than the name he gave me over the phone, the amount was different, my ssn was wrong. So I replied to his email with this info and have not heard back as of yet.

In his email he did note: "need to relay all the information if once this case will be downloaded my client that is USCASHADVANCE have all the rights and authorities to inform your employer what you have done in the past and what shall be the results and the consequences once this case is downloaded and executed with the judgements against you" I believe this is illegal ,but can not find proof.

I received a call from 650-242-0776 and called them back they told me a law firm of Morgan & Associate as well. They were looking for someone else but they didnt sound legiate. They were very unprofessional to be a "REAL" law firm. So, Be Careful if you received a call from this number...

I have been recieving phone calls from these same jerks since yesterday! It is either a Nash Brown or someone calling for Mr. Nash Brown. The number they are calling from is 1-424-901-0138. I did a reverse search on that number and it is out of Los angeles, california.They called me 7 times on my cell at work.. left 4 messages and called my boss! She quickly told him off and told him not to ever call me at work again. Today 9/3/2010 this guy called me twice..left 2 messages, called my boss again (unbelievable!) and called my daughter! She cursed him out and told him not to call her again. He called right back and left her a message stating that she was going to be in major trouble because of me!! What a jerk!! They want me to write a letter stating I am sorry I didnt repay this loan (that I don't owe!) along with their bogus case # and then send them my debit card #, expiration date and security code. right.... I will get right on that buddy! Oh.. and I could not recieve any information about this alleged loan..like who, when, where, address, amount.. because my time was short. It was being filed at the court house today. (It was going to be filed AGAIN today. How do we stop these people? He told me he could get me fired within the month. Should I report this to the police? I called an attorney search and talked to a nice guy out in california. He told me there is no record of a Nash Brown or a company called Morgan and Associates. He advised me to call the California Bar Complaint Dept. at 1-800-843-9053. Even if these jerks aren't a law firm, they may have other complaints against them. As for now.. I am with Ferlie up there... I'm gonna keep calling him back over and over and see how he likes it!

I just got a call from a Leo Fernandez who claims to be an attorney at law, claiming that I have criminal charges against me for an overdue loan payment. He sounded very convincing by telling me my name and address and even my SS# (don't know where he got that from). He had a Indian accent. I told him that he doesn't sound like a Fernandez and asked him for his information so I could provide it to my lawyer, and he said he was not going to provide the information and hung up on me... When they call, tell them that they will be reported to the FBI....these Hindu people are idiots....

I have been receiving the same type of calls from Morgan and Associates from different and sometimes blocked numbers. All claiming the same information as you guys. What scares me is what they could possibly due to me know my SSN. I've already filed fraud reports with credit bureaus, what other steps can I take?

Same thing is still happening. I got a call this morning from a female who then put Leo Fernandez of Morgan & Assoc on the line. He says that there are 3 financial crime charges against me for an unpaid payday loan from EZ Cash and needed the name and number of my attorney. He threatened that a team of detectives was on their way to my house to confiscate my records. I called him a scammer right off the bat and he got ticked off. He then said "I will smile in court when they lock you up for these crimes" and hung up. Never asked for any money...I didn't give him the chance! But I do keep calling these numbers 425-905-7100 & 760-582-0303 to harass him back.

scam,scam,scam. jeffrey morgan, john dawson, eric is all the same person. also uses phone number 202-702-7324 with united nations legal dept. scam,scam,scam

I received a call from Morgan and Associates Law Firm to explain to ask for my attorney's name. I told them I don't have one on retainer and asked what is this for? She says, OMG you don't know, OMg I can't believe this you did not get your subpoena? I tell her no and ask what this is in reference to. She gets her Sr. Paralegal on the phone, Scott Nicholson, who has very broken English, perhaps Indian or Pakistan or something similar. He says I took a payday loan out for $300 and the case was referred to them and I was due in court this Friday (today was Tuesday) and needed to prepare to defend myself on criminal charges. However, he can stop the case from going through and place a hold on it (he called it a OCC or some type of form he would fill out for me) but that I had to fax him a letter stating my full name and he told me exactly what to write. He even said he needed my state ID and SSN, when I asked why he needed my whole SSN on the letter he corrected himself and said just the last 4 digits. When I asked about the state ID he said it was needed for the legal documentation that had to file with the court.

I knew I had takena payday loan out before once and knew it had been paid back within that week, but I started second guessing myself. So I asked who it was I took it with. They said EZ Cash Advance for $300. I asked the date, he got angry and said he don't have all that information he has not even gotten my full files yet. I asked for the number to EZ Cash Advance so I can call them and verify what happened. He gave me 510-722-6069. I called them and got a same type of broken english with the same accent person named Mike Anderson. He asks for my last 4 of my ssn, he has everything on me; address, DOB etc. I ask him on what date I took the loan and he dodges the question and says they tried to contact me twice via my email account. I tell them I know it has been deducted and he says it is now a legal matter and I referred to Morgan Law Firm and Associates and hangs up on me.

So I call the law firm back and ask for Scott Nicholson, he comes to the phone and says hello this is Mike Anderson (who I just talked to at the EZ Cash Advance). So I ask what is his name Mike or Scott? BHe quickly says this is Scott Nicholson. I tell him I find it curious that I just called EZ Cash Advance and spoke to a Mike Anderson and when I call back to the Law firm I get another Mike Anderson and when asked he changed his name to Scott. He says it does not surprise him becasue two of their Sr. Attorneys are named Mike Anderson and thats why he said Mike Anderson. (It is possible they are not partner attorneys but most of these small attorney offices list themselves all as partners especially if they are senior attorneys, but not always.) So he gives me exactly he wants the letter written to be faxed to him in order to stop my case from going to the courts (which again, if I was supposed to have received a subpoena it would be too late already). So at this point I am freaked out and believing them although I still had doubts, but remember, they had everything on me that I don't give out to people so it all seems legit. After faxing this letter tonight, I was to go to Wal-Mart to purchase a pre-paid debit card and then call them back with the card information. So as I am writing this letter I look them up online and find this site, thank god! Now they are blowing up my personla and work phone non-stop trying to get me to fax this information.

Here is their information:
Morgan Associates Law Firm
512-985-2130
807 Pecan Street
Bastrop, TX 78602

EZ Cash Advance
510-722-6069

Names used: Scott Nicholson and Mike Anderson
I am also reporting them as others indicated I should in their posts.

The same thing has happened to my boyfriend. These people sound foreign-threaten to take him to court if he cannot pay the loan back-he never received a loan. He doesn't even use a computer. He has tried to make it clear to them-but they keep calling.

we just had the same guy call us today, called imself Leo as well, saying the sme thing, then not 20 mins later we get a call from who sounded like the same guy calling himself Kenny Rogers! but from a different firm... yet using the SAME number as the last caller... SCAM

I just resift a cal from them saying I owen Money for a Pay Day Loan with USCASHADVANCE . But I never resift a Loan from them. They sad that they have three Criminal charges agains me.They told me that im going to be Investigadet about that.They have a new number it is 210-418-1011.When my Husband call'd them back they did not give him any info about it.

The have been calling me also for a loan that never existed. They have called many times now and now they have my work e-mail address. They have sent me legal looking papers and a copy of my drivers license and the names of my children. This is unexceptable. What are they doing with this information. I have filed complaints with the attorney generalsoffice and the BBB. How do they keep getting away with this.

It is a scam, They look for people with bad credit and then act like they are a collection agency, they try to get you to make a payment.

Semy Masters


877-655-1999

After reading all of these comments, I see a trend. I received a call from someone stating his name was Leo Fernandez. He called from 760-284-4677. He went on to say that I owed a ridiculous amount of money to a company on the internet (which by the way, I have never gotten an internet loan)!! He transferred me to another man that sounded just like him, like a pakistan/indian accent who threatened me as well. I told both of them that I had no idea what they were talking about and they could do whatever they wanted. Everyone please beware and don't give them any information that they don't already have!!! God Bless....

my sister has been receiving these calls i called the number back and told them that i was her legal representative before i could say another word they hung up # 877-655-1999 larry micheal he called my sis back and told her that he would be sueing me and not to have me call him or he would file harassment charges so i called back told him that i was her brother and wanted his address so i could kick his ass well he hung up

Not repaying a loan is civil, not a criminal. So dont let these idiots scare you into thinking your going to get charges pressed against you, or be arrested because it will never happen. The worst case, is they can call you at work so many times and get you into trouble. If that happens, you need to talk with a manager and have them tell them to quit calling. once you tell them to quit calling your place of employment, its a law, they cannot call you again. If they do, they need to be reported.

I just got one of those calls on my job from a Officer Carl Hooper at 330-989-2468. I saw on another blog that they are using this number too. I have not called them back yet though. The other blog said that the company CashNet usa had their accounts compromised and that is a company I do have a loan with that is due to be paid off tomorrow and this is not my first loan with this company that has been paid off. My mother has an account with the same people but she has not received any calls yet.

I recieved a call this afternoon from a man with an obvious Indian accent. He used my first name, but the botched attempt at my last name was a jumbled, computerized voice. He said his name was Michael Bolton (the singer?). This is not a law firm. If and when they call back, I will take the suggestions of some of you, and ask them to fax or mail me documentation. Something tells me that some people may have real debts from their past, but companies like this are not legitimate collectors. I'd like to hear more suggestions as to how to stop the phone calls.

I used *67 to hide the number I was calling from, and asked the "gentleman" who answered for the address of his firm. The number I called was 760-262-0979. He proclaimed that if I did not give him my first and last name, he "will hang up on my face". He then proceded to count 1, 2, 3, after which he did indeed hang up on my face. I called back several more times, and he proceded to become more and more angered. Something tells me this is not an actual law firm.

I had the same call from someone who sounded like they were from pakistan. It sounds like the same guy who threatened me with prosecution for a loan i never took out. He wouldnt give me the specifics or anything about where the money was deposited. Only that it was from cash advance america and in 2009. I never had a bank account in 2009. The number he called from was 347-286-7145. He said his name was kevin garsh and worked as a atty for morgan and assoc. I got that info from calling the number back

These people keep calling me and it's scaring me they wont even tell me what they're calling for just that they're going to contact my company manager. They all talk with Indian accents and when i call them back they hang up on me. I'm only twenty and its really scaring me.

They are calling me now I was looking for a loan in dec but declined them all. Now they say i will be arressted in 4 days Morgan & assoc are now calling from a 760 262 0879 and 760 262 0979 they say their names are ken murphy and william scott and micheal no last name refuse to give any info on this so called payday loan from cash advance .com I called the fair trade comission 877.382.4357 dont pay them anything dont give up any info at all just hang up! they also staed that they were working for the first states attorneys office. I filed a police report right away.

Call the fair trade commission right away and file a complaint. also contact john Mitchell at the kern county da office THIS IS A SCAM dont let them intimidate you. Im 50 they scared me to till i googled them and found all of this out Let your work know your friends that you may have used as a reference dont give up any info at all and file a police report. FTC 877/382/4357

I received the same type of call but only from "Michael Bolton", like that's his real name, and from "William Smith". When I told "Michael" that I could not receive calls at my job and that I would get fired, he told me to "get fired" and find myself another job. When I refused to give my credit card information over the telephone, he called me every name in the book. Tomorrow, I will give him the number to my attornye.

I have been getting calls for the last few days from a Morgan & Assoc. Law firm that I was going to have my wages garnished, can't understand the guy very well and when you ask questions you get disconnected. What is the deal with these people.

I have been contacted but they called my boss (this Morgan and Assoc in which I have never heard of and they will not tell me why they are calling). Why are these people able to get away with this harrassment? I just asked my boss to let me know if they call again. I am finding out they can not give my info to him though. I called them from the number my boss gave me and they claim my number says private in which I do not have that on my cell. They would not tell me what they wanted. SO WHO HAS A SUGGESTION. I CAN NOT HAVE THEM CONSTANTLY CALLIN MY BOSS. HE STATED HE HAS CONTACTED OUR COMPANY ATTORNEYS> DO YOU THINK THIS WILL DO ANY GOOD?

I ahve been reieving the same calls from both the 347 # and the "morgan & Associates" I took a pay day loan and paid it off out of my next paycheck.... months ago. I have been getting these threatening calls as well as they "signed me up" for some discount club that has charged my account $90. DO NOT EVER TAKE A PAY DAY LOAN!!!!

I just got a call at work from this jerk! He told me the same thing. I had criminal charges pending against me if I didn't pay him a certain amount of money within 2 hours! I contacted my attorney first thing and then contacted my bank to verify that I never received any cash advance from the people I finally dragged out of him. He doesn't offer any dates but he does have your personal info he must have gotten from other online payday loans. Be aware!:mad:

I agree. Never take a payday loan. I got socked for a discount club I never signed up for too! Still trying to get that money back.

Leo Got me... I was deployed in Italy. It was the middle of the night there and I didn't know what to do. He knew quite a bit about me. so like a moron, because I was so far from home, and afraid to come home to some insanity I paid him.... UGH. Ripped off for nearly $500. FML

Same EXACT thing with me, constant calls to my job!!! I applicated online for a Payday loan and never took it.....these people had my bank account #, the last 4 of my social....They were nasty, kept saying give me the name of your attorney....I asked for them to tell me when I got a payday loan and how they gave me the funds....He completely talked in circles and said that since I was not co-operating, they would call me manager. Put a fraud alert on your credit!

I got a bill in the mail that my medical bill was turned over to this company for collection. They had the correct amount so I called and paid this was in March. Now I am getting a bill from the doctos office and I am trying to tell them I paid this bill already it was in collections.

We received a phone call from Roger Clark this evening. Phone number 818-806-3359. Stated he was from Morgan and Associates and was trying to collect for a payday loan. No loan was EVER taken out by us. He did have some personal information which is very disturbing. He also was threatening and hung up on us three times when we were trying to get information from him. This is most definitely a scam as there never ever was a payday loan. I am still concerned, and going to do all that I can to report these people and put this name out there for everyone to see.

Well i just recd. A call also in regards to a u.s. natl cash advance loan but i didnt get a loan from them. They also threatened to contact my job and sned the info to the nearest sherriffs office for them to serve papers to me. Well i called my attorney and gave them my info, they told me to have them contact the office. So when i called morgan & assoc back them hung up on me the first time then i called again and left them info on my attorneys office along with a telephone # and said "they look forward to hearing from them." We will see what happens.:rolleyes: