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JB Umphrey
JB Umphrey, Attorney
Category: Legal
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Experience:  Explains legal matters based on 14+ years experience.
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The Fraud and Worthless Check Division called but they will

Resolved Question:

The Fraud and Worthless Check Division called but they will not provide written documentation stating that everything can be handled within minutes over the phone and a quick trip to a Money Gram location. The first gentleman who called refused to get me any information and hung up several times when I called back for more information. He also stated that he was the head of the department and there was no one else I could speak to with more information. The new two callers agreed to tell me the debt is a 2009 payday loan from a company that has closed in my area. Each call has ended with talk of jail time. I am familiar with the loan company and did use them before they closed but I want documentation. If it is my debt I will pay it but I fear this may be a scam.
Submitted: 5 years ago.
Category: Legal
Expert:  JB Umphrey replied 5 years ago.
Hi and thank you for using JustAnswer!

Yes, what you have described is a SCAM. There are several red flags:

1. they won't provide you with any information (including in writing).

2. they want you to pay via Money Gram (untraceable and you'll never get it back when you've realized you've been ripped off).

Ignore those callers. You owe them nothing. They're trying to rip you off. And never, ever, ever give them any personal information.

If a real debt collector calls you, they will have no problem mailing you documentation of your debt.

If you have 19 minutes, you may be interested in watching this video on how different financial scams can work and how you need to protect yourself: http://www.youtube.com/watch?v=ANaypUUaeAc

It has been my pleasure to assist you today with your information needs. If you have a follow-up question, please reply and ask it.

If you are satisfied that your question has been answered, kindly select the ACCEPT button to close this thread and so that I receive credit for assisting you today.
Customer: replied 5 years ago.
Is there a way I can verify this debt? I did use the company years ago but they are now closed. Now that it has been brought to my attention, it weights heavily on my mind. I called headquarters and they sent me to the collections department to see if there was an old outstanding debt. They had no record of the debt and sent me to yet another company that has now bought that section. As of yet, I've gotten no answer. I am no longer at the bank they claim the check was drawn on so I can't access that account either. Should I continue digging or let it go?
Expert:  JB Umphrey replied 5 years ago.
You can check your credit report, if you want. https://www.annualcreditreport.com/cra/index.jsp

Otherwise, just let it go. The phone call that you received is a scam and you should not deal with those folks.

If you are satisfied that your question has been answered, kindly select the ACCEPT button to close this thread and so that I receive credit for assisting you today.
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