Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I got the same phone call as above. 866 399-1719 I never…

Customer Question
I got the same phone...
I got the same phone call as above.(###) ###-####
I never took a loan with FTS and they say I owe $1450.
They call me, my family, and my job day and night threatening legal action.
I have a letter from Sar and Associates stating that I have a seriously delinquent loan payment of $1450 and if not paid, will result in litigation. I have not ever heard of Sar Associates or LTS Management and certainly did not borrow any such amount from them.What should I do? Is it possible just ignore this letter? Thank you.
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 23 minutes by:
2/25/2016
Consumer Protection Lawyer: Zoey, JD, Lawyer replied 2 years ago
Zoey, JD
Zoey, JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 31,871
Experience: 18+ years of NYS litigation experience.
Verified

Hello,

There are many, many reports on the web about identical calls from this so-called collection agency.

This is a common scam, and if you know that you didn't take out any online loan, you're almost certainly right about it. In tough economic times, unscrupulous people buy up old consumer lists and old debts and then reach out to people and try to intimidate them into paying monies they don't really have to pay.

You have the right to ask this collection agency to send you written validation of any debt, because you are allowed this under the Fair Debt Collection Practices Act, a Federal act designed to protect consumers from predatory collection agencies. Once they send you written validation, you can formally dispute the debt, which you should do in writing, by sending the collection agency a cease and desist letter, letting them know that they are in violation of both state law and the Federal government's Fair Debt Collection Practices Act. Tell them in your letter to immediately refrain from contacting you again or anyone else such as your family or employer or that you will report them on the state level to your state Attorney General and on the Federal level to the Federal Trade Commission. Remind them that from here, every violation could get them fined $1,000.

If you really owe this money, they will have to serve you and sue you civil court, but they cannot continue to call and harass you. But if you don't owe the money, this should be the end of it all.

The Federal Trade Commission gives a wonderful overview of 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 is pretty straightforward. You can access that here.

http://www.consumer.ftc.gov/articles/0149-debt-collection

If these are out and out scammers, they may not respond to threats of Federal law, but you can simply ignore them and report them to our police, to your state attorney General, to the FBI at IC3.gov and to the Federal Trade Commission at FTC.gov Good luck!

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Zoey, JD Your Own Question
Zoey, JD
Zoey, JD
Zoey, JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 31,871
31,871 Satisfied Customers
Experience: 18+ years of NYS litigation experience.

Zoey, JD is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

7,125 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
I had a private student loan with Chase 7-8 years ago. At
Hello, I had a private student loan with Chase 7-8 years ago. At one point, I couldn't pay my loan and asked them to give me an extension. They said they will send me a letter with a new repayment pla… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
4,029 satisfied customers
I took out a payday loan years ago and payments coming out
Hi I took out a payday loan years ago and payments coming out made my bank account go into the negative so I called and asked them to stop taking money out and that friday I would western union money … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I keep receiving calls from a collection agency called SAR &
I keep receiving calls from a collection agency called SAR & Associates. They claim it's for an old payday loan that has been sold to their company. I asked for debt verification, but they will not gi… read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
I have a letter from Sar and Associates stating that I have
I have a letter from Sar and Associates stating that I have a seriously delinquent loan payment of $1450 and if not paid, will result in litigation. I have not ever heard of Sar Associates or LTS Mana… read more
Ely
Ely
Counselor at Law
Juris Doctor
3,436 satisfied customers
In 2011, I took out a payday advance loan. The loan defaulted and now I'm getting ph
In 2011, I took out a payday advance loan. The loan defaulted and now I'm getting phone calls from a collection agency...rather my family is getting phone calls. Someone from PR Associates called my e… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I cosigned for an auto loan for my son and his wife, 2.5 years
I cosigned for an auto loan for my son and his wife, 2.5 years ago the car was stolen. After litigation with State Farm, they still refused to pay the loan off stating that they did not believe the ca… read more
Alex Esquire
Alex Esquire
Managing Attorney
Doctoral Degree
153 satisfied customers
I took out a payday loan back in July 2011 and I defaulted
I took out a payday loan back in July 2011 and I defaulted on the loan, I hired a payday debt consolidation firm to manage paying off all loans I defaulted on, this being one of them. They were never … read more
RGMacEsq
RGMacEsq
Lawyer
Doctoral Degree
604 satisfied customers
Over six years ago I finally gave up paying on a payday loan
Over six years ago I finally gave up paying on a payday loan in Missouri. Last year, after five years had passed, I received a letter and call from a company called Marauder Corporation and CPS. I tol… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,939 satisfied customers
WHILE IN PROCESS OF REFINANCING A LOAN WITH SAME BANK THEY
WHILE IN PROCESS OF REFINANCING A LOAN WITH SAME BANK THEY STILL ALLOWED DELINQUENCY NOTICES TO CREDIT BUREAU DROPPING CREDIT SCORE !… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
In October of 2012 I requested new payment stubs for two loans
In October of 2012 I requested new payment stubs for two loans I have from a credit union. They sent me new stubs with monthly payment amounts different from what was in our original loan agreements. … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,766 satisfied customers
You helped my on 5/7/2013. Im trying to settle on credit
You helped my on 5/7/2013. I'm trying to settle on credit cards and one creditor was calling my cell phone after I sent a letter saying to only contact me on the home phone. They asked for all kinds o… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
I finally short sale all my houses in Las Vegas and it took
I finally short sale all my houses in Las Vegas and it took me More than 3 years. My credits are ruined, my credit cards were Closed. I could afford my mortgages or credit card payments at the end. Wo… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
I am not sure if this is the correct area of law to ask this
I am not sure if this is the correct area of law to ask this question. I would like to know if there is a law to protect a person from being harassed and bullied over the phone from a debt collector? … read more
Alex Esquire
Alex Esquire
Managing Attorney
Doctoral Degree
153 satisfied customers
I was just contacted by a Debt Collector by the name of EBSS
I was just contacted by a Debt Collector by the name of EBSS located in Atlanta GA. They informed me that I had taken out a cash loan online in 2007 and have informed me that I am going to be arrested… read more
Dave Kennett
Dave Kennett
Doctoral Degree
25,741 satisfied customers
I have four loans with Sallie Mae. I requested a copy of my
I have four loans with Sallie Mae. I requested a copy of my loans (over the phone) and I was told that it will take 7-14 business days for them to send a copy to me. The 14 days were up as of today (5… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
I have an ongoing issue with Debt collectors stating that I
I have an ongoing issue with Debt collectors stating that I owe currently $24,000.00. The Credit card account, originally from Chase Bank, defaulted in 2008. The credit reporting agency´s do not list … read more
David L
David L
Doctoral Degree
1,604 satisfied customers
I( have already asked the questioed abot this person who owes
I( have already asked the questioed abot this person who owes me 15.000.Who lives in Rockland,Mass. and has a substantial amount of money in his account at Rockland Trust,but just will not pay me. He … read more
N Cal Atty
N Cal Atty
Doctoral Degree
59 satisfied customers
I was extremely ill in the LA area and believed I would never
I was extremely ill in the LA area and believed I would never be able to drive again. I had a leased BMW and returned it to the dealership. I still owe in excess of $4000 and continue to make the leas… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x