I'm back... Loan from 2005 possibly back to haunt me?

that is a scamming bottomfeeder.since nothing comes up with searches i would just not speak to them again.i'm guessing they won't do anything but threaten.in conclusion..yes they are bluffung you.

No legal licensed debt collector is going to act like that. They so give themselves away!!!! Paul is right bottomfeeder for sure.

Well they called again. They left a voice mail and definitely said CAB Asset Management. I think it is the same woman. I am so aggravated - they said they need to verify information to file paperwork on a debt attached to my name and my social security number. I just keep stressing about this, mainly because I can find no info on them whatsoever and they continue to call. Not even a result when I google them - what gives? Anyone know?

if they have to verify anything they are a scam.do not worry about it.they aren't going to do anything but call and leave stupid messages.

My head tells me you are right, I think I'm just stressed because I am working so hard to clean up our credit and we finally have our head above water, the slightest thing right now though could push us back under and I want to avoid that. If it's a PDL (which they said it was) and it's from 2005, I would think they would have sued already if they were serious, right? They said it was through Fast Cash, I don't recall ever having a loan through them. I did have one through Apple around 2005, maybe 2006, but don't recall ever having anything through Fast Cash.

these places have so many d/b/a's,but you are also right that they would have sued by now.

If you had one through Apple then that is the one. The name of that pdl is Apple Fast Cash.

Just remember they are supposed to send you written information 5 business days after first contact. So the next time they call let them know that they have so many days left to get you your written letter or you will file complaints against them. Like Paul said it is a bottom feeder and any legit company will send you a letter.

I'll do you one better---once you discover for certain who they are, you have grounds to sue THEM. There is no such thing as "we're going to file a judgment on you"......a judgment only happens once a lawsuit is filed against you and a judge determines that the plaintiff has proven its case against you. They cannot "file a judgment".....and the fact that they tried to scare you into paying like that shows that they are bottom-feeders. No legitimate collection agency woudl use tactics that are that blatantly illegal. The fact that she specifically said "our company handles pre-legal matters for attorneys that file judgments" can also be construed as a violation of the FDCPA on the same grounds--the 'least sophisticated consumer' standard would not allow either of those two statements through in my opinion.

Also, the fact that they left a message on an answering machine specifically saying that they are calling about a debt attached to your name and SSN could also be a violation of the FDCPA, since that is protected information that they are not allowed to make available to any third party without your specific consent. Leaving info like that on a voicemail or answering machine message has gotten other CA's in trouble in the past...

Thank you!!! Awesome information. They call twice a day, it's starting to really get annoying!

I googled the phone number again, to see if anything else came up. Someone else had a similar experience to mine, and was able to get this address for them. Don't know if it's legit, but it's a start:

PO Box 20298
Towson, Maryland 21284

phone harassment is a serious offence. call your phone company and ask for the number to the unlawful call center. they can tell you how to report these calls to them. i believe after you tell them to stop calling, it only takes three calls to be considered harassment and you can prosecute them. worth looking in to.

These people have been calling my dad (at work), my brother (on his cell phone) and me at home. They are telling my brother and I that they are going to supeona us regarding a debt that we are linked to that is in my fathers name. They have also contacted my father but would not give him any information regarding the debt that he owes, only the amount and case number. The woman told him that she did not have the name of the company that had hired them to collect the debt. Now they have called me. Seriously I know that they cannot request that neither my brother or me pay on anything that we never signed our names to and anyone who is a legit CA would have the name of the company that owns the debt. These people try to use backhanded intimidation to trick people to pay money they don't owe.

File complaints with your State Attorney General, the FCC and the FTC.

I just got off the phone with a lady at this company stating that I owe a loan to a PDL. She gave me the name of the company and tried to give me all the information pertaining to me. However she was not willing to send me anything showing that I had gotten the loan, only that she was going to file a judgement aganist me if I didn't pay the money they said I owed. This is BS. If I suppose to owe a debt, why can't you provide me with details in writing?

I got a call from this company would not give me any information
without me giving them my social security number - I told them
to send me information via mail hard copy and then I would be glad to call and discuss things with them. They were very threatening etc. I refused to give them my social.

Whatever you do, do not give them your ssn. If they do not have it, then they don't need it. They have other ways of verifying your identity. They are looking for personal info to further their collection efforts. If you have not received a dunning letter from them within 5 days of their initial contact, then I would not talk to them again. If you got the dunning letter, then send a DV letter to the address on the letterhead. Whatever you do, do not let them bully you. All they can do is call. They cannot have you arrested, have you fired from your job, take your driver's license away, or freeze your ssn. (Some collectors use all of these threats).
Make them prove the debt is yours, and they have the right to collect it.

they will not file a court claim for such low amounts. it costs them too much money in court costs and time fo ging to court. also if they refuse to give you any information in writing or rquest info from you its bogus. how can someone recover money and not have any info other than your name and a supposed debt. dont fal for it. also look up your statuate of limitations for your state to recover a debt. sometimes they will say the debt is say 6 years old or so and the statuate in your state may only be 4 years to recover you can use that against them. California the period is 4 years, other states have different time frames.

The company refused to provide me with billing in writing and threatened me with legal action.
I spoke with two people at this company. One whom went by Eddie and another whom went by Rick Aceto. Neither were willing to substantiate the bill by mailing me a written copy. They also did not have my correct address or an address that I have resided in the past at. They had my mothers address which concerned me even more. They also threatened to take me to court to garnish my wages and insisted that I give them a credit card number over the phone stating they would not accept a check by mail. They insisted that they have made several attempts to reach me by mail, in which I have never received accept the harassing phone calls. I feel their practices are highly unprofessional and threatening. I also find it odd that they would not allow me to review documentation about the alleged debt.
I would just like for consumers to be aware of this business as I feel they are illegitimately attempting to get consumers' money. Also, I just completed a complaint form with the BBB as I am highly concerned this company is taking advantage of people.

The BBB is a waste of time...they are simply a letter writing company, THey have no legal powers. File complaints with your state AG's office and the FTC.