Kristin Swanson Mace

Is it actually HER leaving the message OR is it 'computerized' message and a phone number to call back? I've gotten a few 'computerized' ones. Such a pain. The message doesn't even state who's calling or why..just a phone number to call back.

First of all call them and ask them the reason for calling. Please don????????t speculate and don????????t give them the impression that you have any idea about the reason of their calling.
Please tell us what they have said. Only then we will be able to answer your query.

Regards,
Phoenix

I answered my phone last night and the recording said: "this is a courtesy call from Swanson Mace; we have tried repeatedly to reach you with no success," and they left a phone #. No message as to what it was about. The recording played several times and tied up my phone. When it finally hung up, I tried calling and got another recording saying their mailbox was full. When I checked my voicemail messages at work this morning, I got their same recording. I'm going to try and call later and find out who they are and what they want. Since I've had PDL's , that's what I figured it was about, possibly a collection for a PDL? I'm not involved in anything that would involve law offices calling me. (that I'm aware of!!) No fear, when I call, I'll just give them my name and ask why they called, I won't give any other personal information. As I said in my first post, I googled them, and it sounds like they might be a scam. I was wondering if anyone else here had heard from these people re PDLs?

Here is the address they have published.

Law Offices of Kristin Swanson-Mace

13000 Avalon Lake Drive Ste. 308
Orlando, Florida 32828
407-380-9995
wcparalegal(at)msn.com

Thanks, Roadwarrior! I called them this morning, and it IS regarding a PDL. I asked them the name of the PDL, they said "Payday Loan Company!" I told the man I was working w/ the State of MD, and in MD PDl's were illegal. Then I asked if his firm was licensed to collect in Maryland; he said yes. Then I asked if he'd send me something in writing on company letterhead to that effect. He said they didn't have to, as they WEREN'T a collection agency!! I repeated my request and he transferred me to someone else; I gave her the same request for a written letter, she said they didn't have to, as they'd been retained as a processor to move the companys' claim against me through the clerical courts. She said internet PDL's weren't illegal in Maryland, I said the State of MD said they were. She then asked if that meant I wasn't paying any more towards the PDL, I said that was correct. THEN she informed me after the fact that our conversation was being recorded and I should get an attorney and hung up. Goes without saying I've faxed a report of this conversation to the State of Maryland, will see what they say. Golly, ain't PDL's fun? :D

I can only comment on my experience but I have had many phone calls from Kristin Swanson Maze. They threatened everything even jail. That is a clear sign they do not know what they are talking about. I believe this is one of those lawyers who has "rented" their name to a collector for PDLs. I am in Kentucky and I was advised by the Office of Financial Institutions in KY that this is an illegal debt and to just not take their calls. If you do take their calls they will get very ugly, very threatening. They even told me I was due in court at 1 p.m. one day. When I asked which court he said the court in Kentucky, you know which one. I quit taking their calls and they have quit calling.

Thanks for the info, motomom716; Yeah, that was the impression I got, they didn't know what they were talking about. One minute they ARE collecting "for a PDL," the next minute, when I asked for something in writing, they're not collecting, just processing the claim in the courts.... And I asked for written verification of what they were doing, and they wouldn't send it; no excuses, just "they didn't have to." Wouldn't any legitimate organization be more than willing to back up their claims in writing? These people are unreal; just wish I knew WHICH PDL they were calling for, but that's what they said, the name of the company they were representing was "Payday Loan Company."

I recently started getting calls again from a 'Burgess' fellow ( or shall i say his 'secretary'). The wonderful "Law Office Of (can't remember first name ) Burgess". When this 'law office' called before, I looked them uo on the BBB site and some OTHER things. BOY!!.did I find alot of crap on this 'office' (Fraud, Theft, etc.). SOOO.....when the office called, and I answered the phone, I asked to send me something in writing, about their 'claim'. Can ya guess what they said? "They were not obligated." The number they were calling from was a number in Canada..what the heck?!

I got the SAME MESSAGE!! I think its a scam! They are trying to collect $555! I have never taken a PDL. [color=Red][/color]

The State of MD has been in contact w/ Kristin Swanson Mace on my behalf, and was given a royal runaround, too. They won't tell who they're working for, they just say "Payday Loan Company." Personally speaking, seeing as I haven't heard from good ol' United Cash loans for a few days (knock wood!), I'm betting it's someone who sits 3 cubicles down from the UCL call desk! If it IS a legit law office, unless they're licensed to practice in Maryland, they're outta luck.

Anyhow - it's been mentioned on this thread and others that law offices "rent" their names out to collections; does anyone know exactly how that works? Is it actually legal? Or, since companies such as United Cash Loans are operating off of Indian reservations and are exempt from many laws, is that how they're able to use a law offices' name? Just curious...

so what do i do..they just keep calling and i never know who it is and they never leave any information. Its always a recording!! then today i get the call that its getting filed with my county court house. I dont even know what to call about... this is crazy!

"Phillyburbs," I take it from your name you're in PA? PDL's are prohibited there too, right? If you're asking about United Cash Loans, unfortunately it apparently Kristin Swanson Mace wasn't working on their behalf, as I'm still getting calls from UCL. When they call, as soon as they identify themselves, I say goodbye and hang up. Hey, I can keep hanging up as long as they keep calling. Who's been calling you about getting filed w/ the county court house? If it's United Cash loans, I rather doubt they can do that, as they're illegal just about everywhere. If you're getting calls from Kristin Swanson Mace, you might try checking with your States' Financial Regulation agency, as I did, that might help.

The also have been known to work with epdaydayloan. Since they have contacted you and clearly attempting to collect a debt they are considered collectors by the fdcpa. If your state requires that attorneys who file suit be licensed in your state, and they are not then they are also practicing law without a license in yuor state in addition to violating the FDCPA. Send them a validation letter then wait for their response.. my guess is you wont get one.. also note on the letter when they first called you and if you received anything in writing from them within five days.. again as required by the FDCPA..

they have been calling my supervisors number and leaving him messegs regarding my so called debit..I called them to inquire about this debit and got two different stories about what it is for...i asked them to stop calling my employer and leaving messege they keep hanging up in my face...The only lady told me "see you in court"...and hung up in my face and when i tried to call back they wouldn't answer the phone...Yesterday I spoke with another lady and when i started asking her about this so called debit she gave me another story about what this debit was for..when i asked her why they are leaving messeges on my supervisors phone...She told me to hold on and then I was disconnected and tried to call back and their answering machine kept coming on! I requested that they send to me a email of this so called electronic pdl i received from them.. :cry:

garner,send this so-called CA a DV and C&D letter.send them
certified mail return receipt.make it a point to say communicate
by USPS only.that's united states postal service,once they receive that they must comply.

I am currently having the same problem all of you are having about Kristin Swanson Mace. This company called today claiming that they were going to take me to court over a PDL. They said that they sent me information in the mail back in January about this debt. I keep all my mail in a filing cabinet. I have never received information from this company. They told my husband that I was a liar and that they were going to charge me with fraud and send me to prison over a $300 loan. Mind you, this company was also calling my last employer and that is the reason why I lost my job. The lady that I have been dealing with is named Sherry and her extension is x325. Does anyone know how to find out if Kristen Swanson Mace is able to practice law in Washington state?

I don't know if they're able to practice law in Washington State. As I said in my earlier post, I'm in Maryland and I'm working with our State office of financial regulation. They got in touch w/ Kristen Swanson Mace, sent them a letter and hopefully "that is that." You might want to contact the financial regulatory offices for Washington State, they might be able to help you out. Good luck!

they are 1) not licensed to practice in washington state, 2) not licensed to collect in washington state 3) made illegal threats. try this text:

In accordance with the Fair Debt Collection Practice Act, ????1692g, I hereby request that
you validate this debt. The act provides that you shall cease collection of the debt, or any
disputed portion thereof, until you obtain verification in accordance with the law. That
verification must be in writing, contain the name and address of the original creditor and supporting evidence of the alleged debt. Included in this evidence shall be documentation that the alleged debt was incurred in accordance with Chapter 208-630 Washington Administrative Code governing payday lenders.

Please be advised that as previously transmitted to your client, the was initiated in violation of Washington State Administrative codes governing Check Cashers/Sellers and Payday Lenders (Chapter 208-630 WAC Check cashers and sellers - regulation of), wherein it states that payday lenders are required to be licensed by the State of Washington. This law applies to any payday loans made to Washington State Residents regardless of the state of origin or contractual jurisdiction agreements. Because you were conducting payday lending business in violation of this administrative code and the governing law directing its creation. This violation renders our contract illegal in the State of Washington, rendering any terms agreed to therein null and void. Additionally, Washington Law holds that such transaction shall be unenforceable and uncollectible. Further both you and your client attempted collection using illegal threats violating FDIC and fdcpa rules. These violations are being reported to appropriate regulatory agencies in Washington State.

Your are hereby admonished cease all communication except for written correspondence. You may contact me in writing at the following address:



Further violations of law will be addressed in either federal or state courts as appropriate.

basically they appear to be another CA that uses the name of a legit attorney (in florida). However, they are only CA in Washington and not licensed at that, meaning there is nothing they can legally do in Washington state

if you have any more questions, ask em here or pm me, Tacoma area here

Why don't you just answer the phone?? If you don't have anything to worry about. Also, your just making yourself look bad by not answering it.

I received several calls from this office..I decided to look for them online and clicked on this site..glad I did..
I do not understand all of this stuff..what is a PDL? I am 62 and in bad health on SSI..I had some problems with credit due to someone I lived with in NJ but have not heard from anyone about these ten year debts for about a year..last people I heard from was a collection agency in NY and they kept threatening me..I called my bank and talked to the lawyers there as this company threatened to put a hold on my bank account but in Calif you have to have a balance of 2000.00 or more each month. So I learned a few things and also learned they were not allowed to threaten you in Calif on the phone..so I told them that and was told see you in court..never heard from them again..so I am assuming this is the same place that is calling me..the Swanson and Mace..they left a number and even called one of my daughters who does not live here with me and left a message for me to call them on her phone at home..
I don't know what our laws are here in Calif. What should I do..any help would be very much appreciated..
Thanks alot

Hey Paulmergel Whats a DV?

that would be a debt validation letter my friend.it is your right to request or demand that the CA give proof that they have legal rights to collect.

Dolfyn311, a PDL is a payday loan, a short-term loan. Sometimes these collection people are bogus and will go after people who've paid off a PDL years ago! As far as California laws, if you do a search on this site, I'm sure you'll find your state laws. Or there's other people here more knowledgeable than I who can help. If these people call you or your daughter again, I'd ask them to send something in writing on company letterhead stating exactly what you owe and the origin, etc., of your debt. Then see what they say to that.

These people are DIRTY. I have already started a lawsuit against them, and advise ALL of you who have been harrassed by them to do the same. Maybe we can get a class-action lawsuit going. These people should be hung by their fingernails. They went so far as to call my mother, who is 74 yrs old, and told her they were trying to find me for a criminal investigation and that if I didn't call back right away, I was going to be prosecuted for writing bad checks and that I will go to jail. Needless to say, my mother was terribly upset by all this. They also told me that I had to pay before a certain date and time, and that I had a court date appointed and would go to jail if I didn't promise payemnt before the phone call was finished. My attorney has found out that they all use false names, and that they all say that they are paralegals working for the client who has started prosecution against me.

Needless to say, I have a VERY GREAT lawsuit case due to all the harassing things they've said to me and my mom and were stupid enough to leave on our voicemails. They also denied over and over that they were NOT a collection agency.

They are in BIG trouble and will pay very dearly for putting me and my mother through this horrible ordeal. In the beginning I believed them, and kept going over and over in my mind on how I could possibly have committed some kind of fraud inadvertantly, and I was horribly upset by all this.

I have doctors and many friends and family members who will vouch for my state of mind due to all their lies!

Please, please all of you, call an attorney who specializes in Fair Debt Collection practices, and we may be able to shut these people down. And if there is a class action suit, we may be able to shut down ANY AND ALL collection agencies who usesthese unethical practices to manipulate and harass consumers and especially senior citizens!!!