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Patrick, Esq.
Patrick, Esq., Attorney
Category: Fraud Examiner
Satisfied Customers: 11250
Experience:  Attorney with significant fraud prevention experience.
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I got a call saying a defaulted on a payday loan from GBS Solutions

Customer Question

I got a call saying a defaulted on a payday loan from GBS Solutions and it defaulted in 2013 that i did not take out the cops think its a scam can you please help me out
Submitted: 10 months ago.
Category: Fraud Examiner
Expert:  Patrick, Esq. replied 10 months ago.
Hello and welcome. Can you please provide the full phone numbers these people are calling you from? Also, is your question whether this is a fraud? I very much look forward to helping you on this matter.
Customer: replied 10 months ago.
the numbers are 1-***-***-**** and(###) ###-####i think its a scam
Expert:  Patrick, Esq. replied 10 months ago.
Thank you. Running these numbers through a variety of databases I Can see that there are already a number of reports of them engaging in fraudulent activity. The phone numbers have no connection whatsoever to any legitimate collections agency. So, it is quite clear that you are dealing with a scam. More specifically, this is a common fake debt collection scam. Basically, scammers call up victims claiming the victims are delinquent on a loan or debt of some kind and demand payment with the threat of a lawsuit or even criminal prosecution. First, it is not a crime to fail to repay a debt, so the whole notion of being "criminally prosecuted" for a bad debt is ridiculous. Second, if a legitimate collections firm was pursuing you, yould would be served in person with a civil lawsuit. None of this calling up making unsubstantiated claims about a debt with no documentation and no real action. If these criminals do catch you on the phone again (you should try to ignore all future calls if possible) and you wish to confront the scam, you may wish to reference section 809 of the Fair Debt Collection Practices Act.Pursuant to section 809 of the FDCPA, an individual in your circumstance is permitted to demand validation of any debt from an alleged creditor, and the creditor must provide PROOF that you owe the money claimed or cease attempting to collect the debt.Specifically, FDCPA Section 809 states:Validation of debts [15 USC 1692g](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.Though it should not even be necessary, this should "shut them up" about their fraud, since it will be apparent that you know your rights and are no longer going to be bullied by threats about debt collection. I hope that you find this information helpful. Please do not hesitate to let me know if you have any questions or concerns regarding the above and I will be more than happy to assist you further.If you do not require any further assistance, please be so kind as to provide a positive rating of my service so that I may receive credit for assisting you. Very best wishes moving forward.

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