Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Hello and welcome! My name is ***** ***** I will try my level best to help with your situation or get you to someone who can.
Can you tell me what state this is in?
Do you ever remember taking out an online loan around 2012?
If you never took out a loan, then this is likely a scam because under the Fair Debt Collection Practices Act, it is illegal for a debt collector to threaten criminal charges against someone for a money debt, even if it is valid. These scammers have somehow obtained records of people who may have taken out loans in the past and then they try to convince them that they remain unpaid.
They then threaten criminal actions, like having the person arrested on a warrant, which is illegal, to try to scare them into making a payment to them, usually through some untraceable source like Western Union, Money Pak or even Paypal..