Arrest threatening call from United Processing

Do a search here on checkngo, file a bbb report use their corporate address which can be found their "about us" and file with your states AG. Looks like the same company as "Check processing Services" there are a couple posts that were made last week.

what state are you in?jacksonville FL seems to be a haven for bottomfeeders.even though there is a judgement they can't have you arrested.i would check your state laws in regards to recording calls.that is an illegal attempt to scare money out of you.

Did they also give you the # of 888-995-0615? To give them a call back?

I live in Virginia. The number they gave me was 904-723-3175. I spoke with Town & Country Acceptance - they recommended I should just ignore them. Should I do that?

You could.. if you get another call diffently file a bbb report.

I also forgot to mention that when I filed w/ the bbb they responded that they do not have any contact with "Check Recovery service" and they had no contact w/ me since 2002 even though I did take a loan out in 2006. (online)

I did a google search on the # provided and this is what I came up with Growl it wouldn't let me post the link.. wonder why. Go to
WVago.gov and type in internetloan scam

They just called me back, and tried for $400 upfront, then the reminder via payment arrangements. I said I did not have the money. They asked me for my attorney's contact info. I gave them Town & Country Acceptance contact info. They said the $400 amount was over the state's fraudulent amount, they hung up and said we will see you in court. Now what?

I'm pretty certain that notification of a pending lawsuit can only come via courier or certified mail. Additionally, criminal action of any sort of payday loans is prohibited in both Virginia and Florida.

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws-1.html

http://www.debtconsolidationcare.com/florida/paydayloan-help.html

Both states allow civil action only for payday loans.

This is exactly the sort of strong-arm tactic that many of these places use, and they're despicable for it.

Citation: Va. Code Ann. ???? 6.1-444 et seq.

Loan Terms: Maximum Loan Amount: $500 Loan Term: Min: 7 days Maximum Finance Rate and Fees: 15% Finance Charge for 14-day $100 loan: $15 apr for 14-day $100 loan: 390%

Debt Limits: Maximum Number of Outstanding Loans at One Time: Not Specified Rollovers Permitted: None (cannot refinance, renew, or extend) Cooling-off Period: Repayment Plan:

Collection Limits: Collection Fees: $25 NSF fee; Court Costs; Reasonable Attorney's Fees (not to exceed $250) Criminal Action: Prohibited

Where to Complain, Get Information: Regulator: Virginia Bureau of Financial Institutions Address: State Corporation Commission, 1300 East Main Street, Suite 800 Post Office Box 640 Richmond, VA 23218 Phone: (804) 371-9657 Fax: (804) 371-9416 Regulatory Contact: Susan E. Hancock,, Deputy Commissioner, Consumer Finance

So if this is the law of VA, it says criminal action is prohibited - so should I assume I have nothing to worry about - if I make a reasonable attempt to payback Cash N Go thru Town & Country.

File a bbb report, However, I would use checkngo's corporate address. They got back to me with a response within a day. Then check with your DA yourself. Tell them not to contact you again. If they call back ask for their physical address, chances are they wont' give it to you. Also tell them it's criminal action of any sort of payday loans is prohibited in both Virginia and Florida.

If you want, call T&C and give them the # that they gave you to call them back and have T&C deal with them. It sounds like you've been making payments through T&C? They should be handling this for you.

I just received a message from an Alex Dean from Dean & Associates or something like that. They said they wanted to hear my side of the story because they sign off on moving forward with criminal proceedings based of my refusal to work with CashnGo's collection agency - United Processing. Has anyone heard of this company? Are they just another collection agency? What should I do now?

Patrick Q

Check and see if you can record phone conversations without informing them of it then call them back and record the call...inform them that they can go ahead with moving forward and you would be delighted to see them in court where you will happily sue them for illegally threatening you.

Send them a DV letter and a limited cease & desist.

The new company is called Smith Dean & Associates, and I think I just spoke with one of their people from United Processing - same area, different phone numbers. They say they will pursue fraudulent check charges against me and hung up on me. Should I be worried about this?

I personally would not worry about it. Criminal action is prohibited in Virginia; the only exception to that would be if they could actually prove that you committed fraud at the time you entered into the agreement (for example, by using a false ID or providing false account information). Since that isn't the case, they have no case.

In your original post, you mentioned that Check'n'Go received a judgement against you previously. Was that for the same loan? If so, was the judgement paid off already? If so, and you have the paperwork to prove it, send a strong debt validation letter with a copy of the proof of payment on the judgement via certified mail. The next time they call you, record the call - even if you have to put them on speakerphone from your cell - and let them know you are recording. Mention that you are sending the debt validation letter along with proof of payment of the judgement (if applicable), and then ask them to re-state what action they plan to take. Chances are that they will dance around the subject and not mention pursuing criminal action.

ChecknGo is actually CashnGo. The judgment was not paid off. Does that change anything? I will be paying it off thru T&C.

I live in southern Illinois , my girl friend recieved a threatining phone call from an Angela Davis at Smith Dean and associates in Jacksonville Florida about some dedt from 5 years ago she called me , my girlfriend her mother and her work place she was rude very persenal persistent and threatining. This sound simular to this united processing , has anyone else heard of this firm

A woman called me around 8:45 am on Friday Nov 21st, stating her name as "Angela Davis" from "Smith Dean & Associates." Her voice message stated I needed to call before 10AM my time or she would be filing a case against me.

I returned the call promptly, & asked her to explain who she was & why she was calling - she me asked for a case number & when I told her I did not have it, she abruptly told me to re-listen to her detailed message & hung up on me.

I listened to the voice message again, & there was no mention of a "case number" so I called back, insulted she had the audacity to hang up on me in the first place when I was returning HER call... & I demanded that she tell me who she was & why she was calling me -- after stating my name, she placed me on hold for a while, came back & stated that she was calling because I owed money on a PDL & that she was going to give me an opportunity to resolve it or she would be filing a case against me with the OC Sheriff's Dept for fraud & a warrant for arrest would be placed on me. She also stated that she had me on camera on the date of the loan -- when I questioned the validity of all this & asked whether she was calling me from the same company, "United Processing," that had repeatedly called & harassed me a few months back - the woman became extremely rude & even more unprofessional. She stated that "United Processing" is a collection company, & when the debt is not paid, the case is then forwarded to them for legal processing. She then hang up on me AGAIN!

Outraged, I called back a third time & told her I did not appreciate her hanging up on me. I do recall taking out a PDL from said company, so I told her I was going to look for receipts to prove that I paid them. My understanding of this debt was that it was settled & regardless, I would not be sending any money until they provided me with some sort of written validation that the debt was mine & I did in fact still owe on this debt. The woman proceeded to tell me that I did not pay the debt, I was now wasting her time, to stop calling her, she would be filling a warrant for my arrest & had other means of reaching me. Of course she hung up the phone on me again.

I called back a fourth time, asked to be transferred to "Angela Davis," & this time a man answered "Angela Davis' office." When I asked to speak with "Angela," I was told she was "in a meeting," & he could take down my number so she could call me back. I tried to explain that I was very upset at the unprofessionalism of their company, and was then interrupted, asked again for my number. I gave him my number, & he said he would pass it on & hung up.

At this point, I gave up on trying to have a rational conversation with this company. Tried to "Google" the company & telephone numbers & searched the BBB website to file a complaint... could not find the company "Smith Dean & Associates" ANYWHERE.

This company sounds like a complete scam. "Angela" has not yet called me back.

I had already received numerous phone calls from "United Processing" a few months back. They placed harassing calls on my cell & place of employment & even called my friend & left threatening messages on her voice mail that they were going to "have me arrested for fraud for bad check writing."

If anyone from "United Processing" or now "Smith Dean & Associates," tries to contact me again, I intend to record the conversations & sue them for violating almost every single "abusive & deceptive" conduct not allowed by the Fair Debt Collection Practices Act.

Lets just say, I have "means of reaching" HER, too.

BEWARE of these companies!

I recieved a call from this company saying if i didn't return their call immediately then they were going to the Carroll County to place a arrest warrent on me for a fraugulent check. From what i gather from my supervisor whoever called wasn't friendly. I really do not appreciate this. If they can take the time to find my work number then they can take the time to find my home number. Calling my work phone could possibly get me fired and they won't get a dime from me!

Someone name chris martin keeps harrasing me saying she is going to take me to court. After doing research I found out there just a scam arist collection company. I had my lawyer contact ms. martin & inform that she needs to stop harrasing me or we will press charges against her. If she wants to take me to court then she needs to go ahead. I will never deal with Cash n Go again.

Well for one, all of you can take a deep breath..it is only pathetic attempts to scare a payment out of you. You will not be arrested, they can't sick the police on you, but you sure can sick the police on them.

The next time they say something like that, tell her you will be happy to stay on the line so she can three way to your local police department, that way you can all have a nice chat together.

my husband and I both have a default on a pdl. Today we received a phone call from smith dean and associates saying that the would have us arrested and put in jail because this was a bad check. We are in the process of filing bankruptcy our attorney says that they can not do that and not to worry about and tell them to call his office. Should we worry about this. We live in kentucky

no you shouldn't.this bottomfeeder cannot and will not have you arrested.if they won't call your BK attorney,do not speak to them then.it does you no good to get stressed over an idiot pdl threatening stupidly.

i have filed a report with ftc for this companys violation of the fair debt collecting practices act. It is against the law to pretend to be a lawyer when you are not. Its is also a voilation to threaten legal action such as warrants to collect a debt. This company is unreal!

William Dean from Smiths Dean and Associates has called me, my family and my friends threatening to send the police to pick me up for a bad check. At first, I was scared to death. I told him I had 2 small children at home and I could not run the risk of going to jail. I asked what I needed to do and he said the only way to make it right was to send the money via moneygram within the extended hour. I said this was not possible and asked him to give me a couple of weeks to pay. He said I had plenty of weeks and never payed so the police would be at my home by nightfall. Scared out of my mind, my friends and I called the local Sherriffs Department and the PDL place that the money was borrowed from. They assured me it was not legal for him to say such things and it was absolutely false information. They may take you to civil court if they wish to do so, but no arrests will be made. These people at Smith Dean and Associates are incapable of having rational conversations. They want to yell, scream, cuss and bully everyone they can. DON'T FALL FOR THIS! You WILL NOT go to jail. I urge everyone that has a problem from these people to take legal action against them!! I know I will be!

We have received numerous phone calls from "Chris Martin" that is with Smith Dean and Associates claiming that my sister had to have 500 before 3pm or she was being arrested at work After calling the Sheriff's department and finding out this was all a bogus call I did some research I found this website. These people are nothing but rude obnoxious idiots that don't like to be called on their on stupidity. So if you get a call from them hold your own and stand your ground there is nothing they can do. It is all bogus make them mad enough and they will hang up on you and then try and call you a worthless piece of shit before hanging up on you the last time. Actually have fun with them don't let them scare you tell them if they call you again you are pressing harassment charges against them they will love that

Having fun with scammers in KY!!!

These fools called me yesterday....actually they called my MOTHER and informed her that I was going to jail for writing a bad check. I am a PRE- LAW STUDENT with parents who are LAWYERS...So that means I know ALOT about the legal sysem....I immediately started calling them out on every law they were breaking by even telling my mother that foolishness in the first place...while i was on the phone i googled them and found this site and calmly began READING to the poor ignorant man on the phone the responses...and of course after threatening to send me to jail....blah blah blah...he hung up the phone on me...Mr.Jason Smith...then he called back to give me one last chance..to "pay my debt" before he filed this "so called" warrant...I politely told him to shove it and have a happy holiday...HAHAHAHAHAHAHAH...LMAO AT YOU MR. SMITH!

I just received a call within the last hour from William Dean of Smith Dean & Associates. He was very rude and spoke with much authority and threatened to take to jail for a bad check my mother supposedly wrote. I happen to work for the corporate office of an international bank and am well aware of collection laws. I asked him if he was an atty and he said no. I asked if he represented the D.A. or other law enforcement agency and he got irritated and again said no. I told him to never call me again and he screamed at me, telling me to "shut my f*king mouth". I am researching now to find out who the appropriate authority would be to report them to. Suggestions?? Police? State Atty General? Another forum had this address for them: United Processing Inc.
101 Century 21 Dr #107
Jacksonville FL 32216. Can we use this to file charges somehow?

My father is 65 years old and ran into hard times. He went to a place called Cash Express and took out a PDL to get by until his next SSI check came in and he could pay it off. Well one thing after another came up during that same time and my father was not able to pay the check back. It has been months and only a $25 payment has been sent to Cash Express. Yesterday I recieved a call for my father from a Mr. Smith, he claimed my father had to pay $468 by 5pm or this would be turned over to the local sheriff. I have heard of people writing bad checks and going to jail over it but can a PDL really be considered as check fraud? The last thing I want is for my 65 yr old father to have to spend the night in jail. Mr. Smith was extremely rude and kept insisting if it was not paid that it would be turned over to the sheriff. Well it's a day later and the debt has not been paid. Mr. Smith just called me again with the same threats. He asked me if my father's intentions were to not pay the debt, I told him my father has every intention of paying the debt but is unable to at this time. Mr. Smith hung up.

Now I find this site with all of these same complaints about this company. I think we should all get together and file a class action law suit again them. I work for a 3rd party collections law firm and know fdcpa in and out.

1. Not sure if this is a law but at my work I am required to read a mini-miranda at the beginning of each call made basically stating that my firm is a debt collector attempting to collect a debt for our client..... and so on. This company did not do this.

2. On the day of the initial contact Mr. Smith called me 3 or 4 times after he hung up on me the 1st time. Where I work only 1 contact is allowed per day. If I make a call and the person answers and ID's themself and hangs up... I am not allowed to call back.

3. These people called me rather than my father. My father may have told them to speak with me about this I'm not too sure (He claims he did'nt). If not... they had no right to contact me and disclose his information period.

Someone let me know what you think.... I really think we could all take this place down and I would really like to.

My father is 65 years old and ran into hard times. He went to a place called Cash Express and took out a PDL to get by until his next SSI check came in and he could pay it off. Well one thing after another came up during that same time and my father was not able to pay the check back. It has been months and only a $25 payment has been sent to Cash Express. Yesterday I recieved a call for my father from a Mr. Smith, he claimed my father had to pay $468 by 5pm or this would be turned over to the local sheriff. I have heard of people writing bad checks and going to jail over it but can a PDL really be considered as check fraud? The last thing I want is for my 65 yr old father to have to spend the night in jail. Mr. Smith was extremely rude and kept insisting if it was not paid that it would be turned over to the sheriff. Well it's a day later and the debt has not been paid. Mr. Smith just called me again with the same threats. He asked me if my father's intentions were to not pay the debt, I told him my father has every intention of paying the debt but is unable to at this time. Mr. Smith hung up.

Now I find this site with all of these same complaints about this company. I think we should all get together and file a class action law suit again them. I work for a 3rd party collections law firm and know FDCPA in and out.

1. Not sure if this is a law but at my work I am required to read a mini-miranda at the beginning of each call made basically stating that my firm is a debt collector attempting to collect a debt for our client..... and so on. This company did not do this.

2. On the day of the initial contact Mr. Smith called me 3 or 4 times after he hung up on me the 1st time. Where I work only 1 contact is allowed per day. If I make a call and the person answers and ID's themself and hangs up... I am not allowed to call back.

3. These people called me rather than my father. My father may have told them to speak with me about this I'm not too sure (He claims he did'nt). If not... they had no right to contact me and disclose his information period.

Someone let me know what you think.... I really think we could all take this place down and I would really like to.

I got the same as everyone else for my son today. They even left me a threatening voicemail (i still have it). I am willing to go after them, tell me what to do! My story is pretty much identical to everyone else.

Is there anything we can do about this......I have sent them money over 1000.00 WE NEED TO DO SOMETHING ABOUT THIS!!

Same scenario but in Kentucky.......They gave me a way to pay them western union which I am assuming I should not do. This is for Fast Pay Day Loans

Same scenario but in Kentucky.......They gave me a way to pay them western union which I am assuming I should not do. This is for Fast Pay Day Loans

was this an internet pdl?if so they are illegal in KY and you only owe the principle borrowed.do not agree to pay this place without something in writing.they are a scam.

I think we all should take this place down! I have gave them a 1000.00 and now they are comeing back for more

Guest, if you paid with your bank card/and or through your checking account report them to your bank as fraud.

Guest, also file a complaint with your State's Attorney General's Office with this data. Fight back, don't let these scams rip you off.

i got the same phone call from a david. he call my mother told her i was around write bad checks, i never would write a bad check it was for a pdl, i fell behind i have plan of paying them back

i hope all proper reports have been filed, they are taking this too far and innocent people are getting hurt..

Yes, please do file reports.. AG's are listening.. at least in the state of IL http://www.legalnewsline.com/news/218733-ill.-ag-sues-payday-loan%20-c ollection-agency=here

SMITH DEAN AND ASSOCIATES USE TO BE UNITED PROCESSING , CHANGED NAME TO DECIEVE PROFESSIONAL DBTRS TO MAKE IT SOUND LIKE A LAW FIRM, WHICH IT IS NOT......NOTHING BUT A COLLECTION AGENCY CAN NOT PROSECUTE YOU A BAD CHK CHARGE ......PER THE LAW CAN NOT PROSECUTE ON PAYDAY LOANS.......SO IF YOU GET A CALL FRM A JASON SMITH, WILLIAM DEAN, STACEY JENKINS , ROBERT DAVIS OR A LISA WATTS AKA LISA SMITH THE OWNER OF THIS COLLECTION AGENCY , DONT BELIEVE THE HYPE, THEY CANT FILE CHARGES AGAINST YOU TO HAVE YOU LOCATED .......WANT TO RETALIATE LET IT BE KNOWN THE OWNER LISA SMITH PAYS ALL HER EMPLOYEES UNDER THE TABLE AND DSNT FILE TAXES.....BIG TIME BREAKING THE LAW ....DO WHAT I DID CONTACT THE IRS .......THIS AGENCY IS DUE TO CRUMBLE LOSING CLIENTS DUE TO THE OWNER NOT PAYING THEM ALL SHE DOES IS GET THE MONEY AND DRINKS IT UP AND SUPPORTS HER NON WORKING CONVICTED DUI HUSBAND......LISA SMITH, THE OWNER SUFFERS FROM SEVERE CASE OF LOW SELF ESTEEM , SHE FEELS JUST BECAUSE SHE MARRIED A STUD IT WILL BUILD HER SELF ESTEEM.......DUE TO HER TRAILER PARK MENTALITY SHE DSNT KNOW SELF ESTEEM IS NON TRANSFERABLE.......

I own a business in Jacksonville Florida and was just approached by a salesman (Robert Davis 904-721-3705) from Smith, Dean & Associates 101 Century 21 Drive #107 Jacksonville, Fl 32216 to handle the collection of bad checks for my business. They were United Processing the last time I was approcahed from their salesman. There is a recent lawsuit filed by the Illinois Attorney General for deceptive and unfair trade practices against them. This might be a good case to follow up on and file a class action type suit or use case law with any future legal action. Google their name for a link to the lawsuit. From what I can gather, this organization is shady.

ROBERT DAVIS IS A STRAIGHT UP DRIVING ON SUSPENDED LICENSE, CONVICTED FELON....THEY ARE DESPARATE FOR BUSINESS DUE TO THE FACT THE OWNER LISA SMITH AKA LISA WATTS OWES ALL HER CLIENTS, AND THEY PULLED THERE BUSINESS.....WARN ANYONE THAT IS LISTENING DO NOT PLACE BUSINESS THERE,THEY USE ILLEGAL TACTICS LIKE STATING A WARRANT WILL BE ISSUED FOR HER ARREST IF YOU DO NOT PAY ....THEY REALLY GO BY THE SAYING DESPARATE TIMES CALLS FOR DESPARATE MEASURES........

In regards to your postings Angela Davis... this is pathetic.... Is it not a little strange that you got fired on friday and you start posting comments on Saturday.... First of all, you are no longer employed for improper conduct (drinking on the job, poor work performance and questionable work ethics) yet you make a personal attack on the white people who worked with you.... If someone ever called you "black trash" you would be highly offended....how dare you... in regards to me being trailer trash I do not live in a trailor but in a home.. you are the one living in an apartment driving a trash car.... trying to sell used purses..so who's trash... In regards to being paid in cash you had the choice between cash or check but you got a paystub each week detailing your pay.. you were a 1099 employee (and it states that on every pay stub) did you not forget that???? In regards to us illegal pracatices.. you might want to look in the mirror.. I have a paper you left on your desk in your writing stating some really questionable quotes... could that be the reason you were not doing very good at all.. also, look at some of the comments listed... they are about you!!! why do you think you are no longer employed..... judging by your comments you might want to get your facts right.. robert davis is not a convicted felon.... and in regards to low self esteem... you need to look again at yourself.. who is the one that begged for your job and offered to work for free.. how pathetic.... get on with your life... you need self esteem because you will never be happy with your life.... and look at yourself on being a drunk since you were caught with patron in your desk.. nows who's the drunk... poor "black" trash... since you called me white trash...

WOW!!! sounds like a good catfight between collectors going on, I would pay to see that one.

dean smith & assoc.always deleted.

yes troll i deleted every one of your posts.no one here cares about your idiot bottomfeeder CA.except that your illegal as hell and should be punished for your actions.by the way,we are not clients of yours we are people contacted by you.know where you post next time.i will delete everything by you in the future as well.

First of all, you know what debts you have better than anyone else. If someone calls you asking for money, information, or is threatening you, end the phone call. They have very limited legal rights as to what they can and cannot say to you. Do not live in fear of cretins like "Smith, Dean & Associates - David Baker or Angela Davis". They cannot legally do anything to you, besides call or send letters through the US Mail.

It is not typical for a company to spend the time and money to file a real legal claim against you for unpaid bills. If you have legal concerns with an unpaid check, you can contact your county's public record department and find out if there are any warrants out for your arrest, for free.

LISA SMITH W SMITH DEAN AND ASSOCIATES YOU HAVE BIGGER PROBLEMS THAN ANGELA DAVIS ....EVALUATE YOUR OWN ILLEGAL WRONGDOING AND THAT OF YOUR EMPLOYEES , YOU ARE BEING WATCHED FROM MORE THAN ONE SOURCE WHEN YOU DO DIRT YOU GET DIRT , SOMETIMES THE TRUTH HURT AND WHEN SOMEONE HITS A NERVE IT GETS THE REACTION YOU DISPLAYED ONLINE , IM WONDERING HOW DOES THE OWNER OF A SUPPOSEDLY LEGITIMATE COMPANY FIND THE TIME TO RESPOND AND USE THE LANGUAGE YOU DID.....YOU SHOWED YOUR TRAILER PARK MENTALITY I DEFINETLY WILL NOT USE YOUR COMPANY FOR ANY OF MY COLLECTIONS EVEN THOUGH YOU SET UP AN A ACCT ON MERCHANTS CIRCLE......STAY AWAY FROM AROMAS AND FOCUS ON YOUR FINANCES AND THAT HUSBAND THAT IS DRAINING AND USING YOU AND F SLEEPING AROUND ON YOU , YOU KNOW WHEN THAT BUSINESS GOES HE GOES , CRY YOURSELF TO SLEEP TONIGHT THINKING ABOUT THAT.....BY THE WAY TELL YOUR BROTHER TO TAKE CARE OF HIS DRIVERS LICENSE IS AGAINST THE LAW TO DRIVE ON A SUSPENDED LICENSE .....TAKE CARE AND DRINK TO THIS TONIGHT AT AROMAS, DONT FORGET TO THROW UP AFTER YOU EAT LIKE YOU ALWAYS DO ......