foreign collectors threatening to sue, arrest
Date: Thu, 06/28/2012 - 12:24
Submitted by roll_the_dice711
on
Thu, 06/28/2012 - 12:24
Total Replies: 2
I got a call from one of the Indian “we will download the lawsuit†fake collection agencies the other day. I pretend I couldn’t understand him for a few minutes to get off script (his accent was pretty thick).
I talked to him for about five minutes or so, making it clear that I knew it was a scam and what he was doing was illegal and immoral. He tried to pretend to be with some law firm even though he couldn’t tell me what state the city he mentioned was.
I asked him several times where he really was, Pakistan, Waziristan, India etc. After I asked him if was in Mumbai, he gave up his act and admitted he was actually in Mumbai! He kept talking to me and India, have I been there, would I ever go to India, some weird stuff.
He seemed offended when I asked if his mother was of raising a scamming thief. After that, he told me “I call you back, I call you back†when I heard his boss bothering him. He did call me back a few minutes later, but I didn’t answer. Not one peep out of him sense.
Maybe I should have answered the phone when he called, I’d like to pick his brain some more.
So if you get calls threatening to sue or arrest you for payday loan debt from “agents,†“Inspector General FBI guy,†or whatever ridiculous title these people give themselves, don’t worry. It’s all a scam, they’re not going to “download†the lawsuit, sue you, arrest you, or take your goldfish hostage. They’re just trying to extort money from you.
Two related points, I was lurking at a forum for debt collectors (the opposite of this forum), and I found several instances where even “legit†collectors acknowledge to each other that payday loans made in violation of the debtor’s state laws are not legally enforceable.
[FONT=Arial][SIZE=4]
So if a collector calls you about a payday loan that doesn’t follow your state’s laws, they can’t sue you. If they threaten to sue you, it’s almost certainly a violation of the federal law against unfair debt collection.
Since it’s impossible for a collection agency to sue you over the loan (and they know it is), threatening to you is a collection tactic the collection agency has no intention of implementing and therefore, possibly illegal.[/SIZE][/FONT]
I talked to him for about five minutes or so, making it clear that I knew it was a scam and what he was doing was illegal and immoral. He tried to pretend to be with some law firm even though he couldn’t tell me what state the city he mentioned was.
I asked him several times where he really was, Pakistan, Waziristan, India etc. After I asked him if was in Mumbai, he gave up his act and admitted he was actually in Mumbai! He kept talking to me and India, have I been there, would I ever go to India, some weird stuff.
He seemed offended when I asked if his mother was of raising a scamming thief. After that, he told me “I call you back, I call you back†when I heard his boss bothering him. He did call me back a few minutes later, but I didn’t answer. Not one peep out of him sense.
Maybe I should have answered the phone when he called, I’d like to pick his brain some more.
So if you get calls threatening to sue or arrest you for payday loan debt from “agents,†“Inspector General FBI guy,†or whatever ridiculous title these people give themselves, don’t worry. It’s all a scam, they’re not going to “download†the lawsuit, sue you, arrest you, or take your goldfish hostage. They’re just trying to extort money from you.
Two related points, I was lurking at a forum for debt collectors (the opposite of this forum), and I found several instances where even “legit†collectors acknowledge to each other that payday loans made in violation of the debtor’s state laws are not legally enforceable.
[FONT=Arial][SIZE=4]
So if a collector calls you about a payday loan that doesn’t follow your state’s laws, they can’t sue you. If they threaten to sue you, it’s almost certainly a violation of the federal law against unfair debt collection.
Since it’s impossible for a collection agency to sue you over the loan (and they know it is), threatening to you is a collection tactic the collection agency has no intention of implementing and therefore, possibly illegal.[/SIZE][/FONT]
Of course the collectors know the loan is legally unenforecable.
Of course the collectors know the loan is legally unenforecable....but they have to try collecting.spynyb
this is the thread starter. You can use this info to rack up vi
this is the thread starter.
You can use this info to rack up violations against American CAs that threaten you over illegal tribal, foreign, or out-of-state IDPLs and sue the pants of them, GIven enough rope, they will hang themselves