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Zoey_JD
Zoey_JD, Criminal attorney
Category: Fraud Examiner
Satisfied Customers: 23578
Experience:  Active member of the NYS bar since 1989
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Address Cty Trk M, Fitchburg Wisconsin i got

Customer Question

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Address Cty Trk M, Fitchburg Wisconsin i got call from these people saying i own 1800 for some payday loan
Submitted: 1 year ago.
Category: Fraud Examiner
Expert:  Zoey_JD replied 1 year ago.
Hello Do you remember taking out a payday loan?
Customer: replied 1 year ago.
Yes
Customer: replied 1 year ago.
But I have paid it
Customer: replied 1 year ago.
Is this a fraud number
Customer: replied 1 year ago.
Is this fraud or what
Expert:  Zoey_JD replied 1 year ago.
Hello, Sorry for the delay. I stepped away from the computer. This phone number traces to Wisconsin, but the account holder is unknown.
Expert:  Zoey_JD replied 1 year ago.
Hang on while I type a more complete response, but yes, this looks like a scam to me.
Customer: replied 1 year ago.
Thank you
Customer: replied 1 year ago.
They said on a massage it was a consultant division and that they talk about former loan and they said something about fraud chargers if I don't pay I didn't got any letter
Expert:  Zoey_JD replied 1 year ago.
We get questions like this a couple of times a day, every day. There are unscrupulous people buy up old debts and old consumer lists, and then try to intimidate people into paying monies that these people may, in fact, no longer even owe. If you are quite sure that that paid off your PayDay loan already, you are probably right. You can get a free copy of your credit report from each of the three credit reporting agencies courtesy of the Federal Trade Commission at https://www.annualcreditreport.com/index.action and double check that there's no issue. They are an entirely reputable site and the only one recommended by our government to provide you with a credit report. But what you need to do to get these people to stop bothering you is to formally dispute the debt, because you have substantial consumer rights in this area under the Fair Debt Collection Practices Act. Here's a specific section of the FDCPA that you will find useful so that you can dispute any debt and/or send them a cease and desist letter: sect; 809. Validation of debts [15 USC 1692g](a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --( 1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. That may be hard to understand. However, the Federal Trade Commission gives a wonderful overview of the overaggressive and/or fake collection agencies and how to get them off of your back, where to report them, where to learn more, etc. And it's much more straightforward than the law. You can access that here. http://www.consumer.ftc.gov/articles/0149-debt-collection But basically, you want to dispute the debt -- that's the term you use with them, and you can do it in writing if you have their address. Otherwise just tell them that you want written proof you owe this debt, in writing and whether they say they will give it to you or not, let them know that you are disputing the debt as provided for by the Fair Debt Collection Practices Act and that they should cease and desist from any further contact with you. Once you have disputed the debt, they are required to leave you alone. If they don't, you can report every harassing phone call these folks make to the Federal Trade Commission at FTC.gov, and they can be fined $1,000 for each incident. They cannot press fraud charges against you. This would be a civil debt if you really owed it, and it is illegal for them to threaten to have you arrested in order to force a consumer into paying a debt. If these folks are out-and-out scammers, they may not be deterred by your invoking the name of the Federal Trade Commission or the Fair Debt Collection Practices Act, but they will also know that you know your rights and that you're not about to pay up if they can't prove you owe this debt. Once you tell them you're disputing the debt you can just ignore them. If they are legitimate and the debt is legitimate, they will have to take you to court. But I don't think that's ever going to happen here.