I received a message on my cell and at work from a Joseph stating he was trying to contact me about a check that I wrote and needed to verify some information with me for security purposes. I am not sure how to respond to this because I have not had a checking account in over a year. He sounds american and the caller id is from somewhat local area(about 1 1/2 hours away) with a call back #866-443-6985. I thought I would investigate a little before calling back since I have been having serious issues with scammers out of india harrassing me at work and on my cell and I am having troubles getting them to stop. Any input would be greatly appreciated.
Thank you so much me7715. Guess there's a reason why she said, "if you want to pay for it it needs to be done within 24 hours," before I send the blah blah blah something about taking me to court. She also wanted me to put this debt onto a family member's line of credit so I can then start paying for it monthly again. I said no, I'm going to use my money settle my other accounts. I hope I didn't say anything stupid but again, thanks for the help. If you don't mind, please keep in touch. I'm a young adult and just trying to make things right with my life.
Sub: #131 posted on Thu, 02/03/2011 - 15:14
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"Contact FTC, Texas Attorney General, Nevada Division of Financial Institutions, and FBI to report. You might also contact the California Department of Corporations to see if they are getting any similar complaints, since they stopped a similar scheme from operating into California a couple years ago.
Do not just file an on-line complaint, call them directly as well. Be sure to make clear that there are many similar complaints against CMG Group, and that they have been running this scam for years."
That's what someone posted in response to my last post on both this site and another.
My intention now is to send a Cease and Desist letter.
Oh, and as far as serving me papers, it's a joke. The first person I talked to over the phone couldn't even verify my apartment number. They could only verify the complex. Real sketchy to me..
-JW
Sub: #132 posted on Thu, 02/03/2011 - 15:41
Sub: #133 posted on Thu, 02/03/2011 - 15:55
On 9/30/10, "Wells Fargo Card Company" reported to TransUnion with a "charged off as bad debt' status. They've actually reported this the end of every month for the previous few months before that. I see nothing from any of the companies that were associated with my debt. In this instance, i see nothing on my credit report from "Frontier Financial Services."
If you choose to pay it make sure they are legal in your state to begin with and they legally own the account and BEFORE making ANY payments have something in writing from them stating that this account will be "Settled in Full" with such and such payments.
How would I check if they are legally able to collect money from me in Texas? In regards to checking if they legally own my account, is that the DV letter you're referring to? What is the best way to ask them for their address so I can certify mail them my letter? What if they ask me for my telephone number (I called her after she left her number with my brother. I don't live there anymore but I want them to stop calling my family and worrying them with a 'lawsuit') and my address?
Them saying it "needs to be paid in 24 hours" says ALOT about them. That they either do not own the account and they are scammers and are phishing for money. Its always good to pay debts, just not to scammers and companies that will lie, cheat and steal your money.
I have started with the original creditor, a national bank, and then traced it to Frontier Financial Group. However, that's not to say if she's really a representative of FFG. I'm guessing I should send her that DV letter immediately huh? Again, what's the best way to tell her I'm going to send her this letter. Having spoke with her, I have a feeling she's going to tell me that she's "not a debt collector and that protocol won't work."
Also, if the account has been passed around that many times odds are they do not have the documentation to legally collect. Anymore questions just ask .
The reason why I wanted to pay it off is because mentally and emotionally I can't stand the idea that I owe these people and just want to get rid of them. It sounds like you're telling me though that my debt may have been forgotten and there are companies out there that will try to scam me (junk debt buyers)? In this case, how many years will I have to wait before this debt can no longer legally hurt me? And what can I do to start working on my credit score? It's currently a 527 (ugh, just 2 years ago, it was above 650). Again, thank you for your help. I promise I'll return the favor somehow.
Sub: #134 posted on Thu, 02/03/2011 - 16:17
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Sub: #135 posted on Thu, 02/03/2011 - 16:26
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Is that also what Statute of Limitations mean? They only have a certain amount of time to collect from me? After that time period is over, am I free of that debt? I'm so sorry, you guys, for all these questions.
Sub: #136 posted on Thu, 02/03/2011 - 16:31
(Posts: 15 | Credits: )
If you are a resident of Texas, go to the SOS office website to see if they have posted the $10k surety bond they must have in order to legally collect in TX:
Sub: #137 posted on Thu, 02/03/2011 - 16:31
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http://www.sos.state.tx.us/
Sub: #138 posted on Thu, 02/03/2011 - 16:34
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Sub: #139 posted on Thu, 02/03/2011 - 16:40
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- Ha
Sub: #140 posted on Thu, 02/03/2011 - 16:44
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