so I know it has already been posted a couple times about the scam where people are receiving calls saying that they defaulted on a payday loan and if we don't pay right now they will be charging us with federal felonies.... Well I too got one of those calls about 10 minutes before my 6 year old sons birthday party started. It has been a little while since I have been on the forums so I was not aware of this particular scam. The men that I could barley understand gave me my full name, social security number, birthday, address, phone number, bank name and routing #. He then did what seems to be the common threat of telling me if I didn't settle with his client that they were pursing federal check fraud charges, theft by deception and another one I didn't understand. So... from what I am reading all over the web, this is identity theft? I have already talked with the Utah Attorney Generals Office and they told me to just handle it on their website. The thing is I dont want to file a false report and from what I can see nothing has actually been charged under my name. Does anyone have any advice/clarification for me on if this is actually identity theft or not? I would really appreciate any help you could offer.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.