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Advance America

Date: Sun, 08/19/2012 - 11:48

Submitted by anonymous
on Sun, 08/19/2012 - 11:48

Posts: 202330 Credits: [Donate]

Total Replies: 16


i got a loan from advanced america of three years ago now im getting calls from ohio with a guy who says he works for fraud of worthless checks of florida and if i didnt pay by the end of the day he was calling the local athoraties ...... so i hung up research online who on the debt which was a company in ne york so i call them they said they were using a law firm called the law group to collect the debt and gave me the number that the guy called from ...then the same guy calledd back all nice wanting to arrange payments i offerd 50 dolllars a week he refused and said i can put you on a hard ship payment and wanted 185 for the first payment i said of an said i would pay fri my money order because i was not givin my bank info ....the oringal loan was for 500 so i wrote the post dated check for 585 when he call he said i owed 985 then when i said i would pay he said he waved 200 and i only 785 .....welll i was put in the hospital and cannot pay any advice i took the loan in florda he says he will put me in jail


Stay off the phone and stop listening to the crap they are handing you. Debts are civil, not criminal...you will not go to jail or be charged with fraud.

What state do you live in now?? Was it advance america you borrowed from? They are a legal lender and could end up suing you civilly.


lrhall41

Submitted by SOAPLADY on Sun, 08/19/2012 - 11:55

( Posts: 17315 | Credits: )


Great thinking and action that if any collector wants payment, NEVER send them a check with your account info on it! Instead, great job with being smart enough to offer a money order instead. And should you ever send a money order payment to a collector, send it certified mail!

Great advice Soaplady! From the sounds of this, I think I know who this is!

Are you sure this rude collector said Fairmont and not Fairlawn?

There is not much is Fairmont but maybe wilted corn and soybeans. And the Law office of Larry Roach is located in the Fairlawn / Copley area. He is known for pulling that kind of stuff. They do operate a few dumbie businesses as well. I will check this out. But if it is him, he does have a track record of taking legal action!

Do as Soaplady suggested; request a DV in writing and stay off the phone with them!


lrhall41

Submitted by mrconsumerprotection on Tue, 08/21/2012 - 15:28

( Posts: 16 | Credits: )


The only Vantage Point remotely close to Fairmont and has anything remotely close to debts, collections, or financial in Ohio is...

Vantage Point Financial Services, LLC
3169 Indian Ripple Road
Beavercreek,OH 45431

But they also have an office at

329 Regency RIdge Drive
Centerville, Ohio 45459

I have to laugh here as Centerburg is well, the center of Ohio! If you blink you will drive right through it and miss it.

If it is who I think it is, they do have "partners" in Florida Soaplady, so I hope he gets after sending DV to them right away!


lrhall41

Submitted by mrconsumerprotection on Tue, 08/21/2012 - 16:04

( Posts: 16 | Credits: )


No worries on the city name. It happens! I get corrected often here.

Anyways, as Soaplady pointed out, they cannot sue you if you are in Florida and they are New York. Unless, they hire an attorney that is licensed in Florida. Just be aware that is can be done. Not to scare you, I have been dealing with a collection agency from out west and after a number of failed attempts to try to get me to pay, they did hire an attorney in my state and a civil suit was file. It has been going on now for about 5.5 years.

I understand your concerns of not knowing where to send any infomation such as letter requesting them to validate the debt. That is why I looked them up and posted the addresses for you.

To narrow it down, do you have a the city that this Vantage Point is located in? Or what is the number that this guy is calling you from... if you know.

Be aware that this guy is required to provide youn various information about the alledged debt such as the name of the original creditor, account numbers, charge-off date (if it applies) his name and his contact info such as aaddress... or the address of the company he is working for.

If you have the address to this Vantage Point in New York, I would recommend you send a letter to them. Make sure you send it certified mail and state in your letter that you are disputing the alleged debt. You can also attach a s simple cease & desist letter telling them to no longer contact you in any way shape or form other than what is allowed by law... like that they are complying and legal notices. As Soaplady stated, you can tell this guy this over the phone until you are blue in the face, but you need everything in writing.

It can be frustrating with all the calls, but don't pay anything just as of yet.

Do you have any other details you can provide us with to help you? Is this debt actually yours that you know of?

The reason is that in my situation we have found that the collector has obtained a list of everyone in my state with the same or similar name and has attempted to file a civil suit against them for the same debt. This is why my three suits lenghty and messy. Thankfully, my 4 person legal team and I have been contacting each of them and the courts in the counties they reside in to make them aware of what is going on. Hopefully we'll keep a lot of people with the same name from paying on a bogus account they never had. Just be aware of the greedy and unethical tactics they can and do employ!


lrhall41

Submitted by mrconsumerprotection on Wed, 08/22/2012 - 15:53

( Posts: 16 | Credits: )