Thursday, May 18, 2017

Liberty Franchisees - Plan Your Breakout Schedule Now

This will be the FIFTH Liberty Tax Convention that Credit Restoration Associates has attended. June 1st-3rd at the Virginia Beach Convention Center. We are honored to be the preferred credit repair and business credit resource for Liberty Tax franchisees.

I have spoken at each one of the conventions on the topics of personal credit and business credit. Thinking about this upcoming one, made me remember my very first convention. Dan had me scheduled for 4 - fifty minute sessions back to back, starting Saturday morning at 9:00 am. It still ranks in my top 5 most interesting speaking situations. And - it turned out to be a very good day.

This year, I will be speaking on Friday at 2:30 and at 3:20 in Room 4-DE. These are ideal times. I look forward to as many franchisees as possible coming to one of the sessions. See you there!

Robert W Linkonis Sr.


Trending Data - The New Way that the Credit Bureaus Rate You.

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Monday, May 8, 2017

Yet Another Scam Debt Collection Email

I feel bad for my client who is receiving all of these scam debt collection emails.

For the record, you can completely ignore any debt collection email that:
1. Comes from a Gmail address
2. Contains spelling and grammatical errors
3. References courts that do not exist

 Sent from my iPhone

Begin forwarded message:

> From: Angela Willard <>
> Date: May 8, 2017 at 11:39:48 AM EDT
> To: Angela Willard <>
> Subject: CASE FILE NUMBER : 3098-2827-1097, SUBJECT- LAWSUIT

> I am Angela Willard from National Association Credit Management USA. Reason of this email that we have registered a case against you.

> Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job.

> Through an IRS (Internal Revenue Service) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold.

> Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

> Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won’t be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

> If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

> Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house.

> Best Regards,
> Angela Willard
> Sr. Investigation Officer
> National Association Credit Management

> Important Notes:

> § Important documents have been attached with E-mail
> § You must Download the attached file and look attentively at.
> § This is very Important don’t disregard intentionally
> § Click the name of the attached file in the attachment area just below the message's recipients and above the message text.

*** We are guessing that the above mentioned attachments probably contain viruses.

Comment by our in house legal counsel: 


None of this makes any sense. 
It is so scam it is hard to imagine something more scam. 

Ignore this. 

Jason M. Krumbein, Esq.
Krumbein Consumer Legal Services, Inc.
1650 Willow Lawn Dr. Suite 201
Richmond, VA 23230
804.234.1159 fax e-mail
Twitter: @RVAConsumerLaw
Google+: +KrumbeinLaw

Related Posts: Debt Collection Bottom Feeder Text Messages

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Friday, April 28, 2017

Another Scam Debt Collection Email

Here is another email to one of my clients from:

If you are getting similar emails, KEEP IN MIND - anything from a Gmail, Yahoo, Hotmail or other FREE email account is bogus. There will be no legitimate collection activities coming from a free email account.

In fact, has been used for some time and we should be close to finding out the owner's identity. The trick to filing an FDCPA lawsuit against these bottom feeders, is finding them first.

 Case File#PSH-095-25-AD
The District Courthouse
Due Amount- $496.36
Settlement Offer- $215.00
Last Date- Over
Lawsuit File Cost-$8569.00

Attorney Details,
Name-Victoria Kimble
Sr. Attorney in District Court

Hereby we inform that you are obliged to come as a defendant to District Court of Appeals on May 8th, 2017, at 11:00 a.m. for the hearing of your case of defaulting on a LOAN, CASE PSH-095-25-AD.

If necessary you have a right to obtain a lawyer for your protection. You are kindly asked to have an identity document with you. Personal appearance is compulsory. Please bring all documents and witnesses relating to this case with you to Court on your hearing date.

Case information and courthouse address will be sent to your mailing address in next three to Five business days.

Note: If you do not attend the hearing the judge may hear the case in your absence.

Important Note: This is a copy of Case File which we have received from our Attorney today and we would like to inform you that if you pay 215.00 today, we will call our Attorney in order to cancel this procedure against you. This is your final chance to pay this debt and if you are failed to do that, the action will be activated. Once we receive your payment, the Court Clearance Certificate will be issued stating that this Case File is closed permanently.

Thank You.

AND - Another Debt Collection Scam Email right here 

Related Posts: Debt Collection Bottom Feeder Text Messages

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Friday, March 31, 2017

Another Scam Debt Collection Email

Another forwarded email from one of my clients. From the United States of Federal Managment?? - Lol. It is a shame because I know people fall for emails like this.

In a previous post, I replied back to one of these offering to settle the debt in full for $50.00. Someone immediately replied back countering at $100.00 and instructed me to buy an gift card. Then they instructed to email back the gift card confirmation code so that they can provide assurance that the account will be "closed out". What an absolute scam.

Sent: Friday, March 31, 2017 11:00:21 AM

Please advise

Sent from my iPhone

Begin forwarded message:
Date: March 31, 2017 at 10:39:24 AM EDT
To: < >





CASE FILE #: DC-023964S


Date: March 31TH 2017

One Time Settlement Amount: $623.27

Dear: (misspelled name),

This letter is to notify you that we would precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30%  percent of your disposable earnings and make payment to the court on your behalf to recover your debt.

Why am I receiving this notice?

The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice; Garnish wages owed to a Debtor after Small Claims Court would make order that you owe money. On FEBRUARY 23th 2017,  we received a garnishment order from a court to [freeze/remove] funds in your account. The amount of the garnishment order was for $1423.13. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.

What is garnishment?

Garnishment is a legal process that allows a creditor to remove funds from your [bank]/[credit union] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you cannot use that money in your account. 
The following applies to you:

Before you are arrested: - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full.
When you know a warrant has been issued, you should E-mail us on to discuss your options.
After you are arrested: - Once the warrant has been served, your only options are to serve the time in prison or pay the debt (plus costs) in full at the Courthouse.




Sr. Investigation Officer

Working Hours: 10.00 A.M to 6.00 P.M CST (Mon-Fri)

                           10.00 A.M to 1.00 P.M CST (Sat) 



Copyright © 2006 ACS | Privacy | Terms of use



Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message.

Thank You for Co-operation.

Related Posts: Debt Collection Bottom Feeder Text Messages

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Friday, March 10, 2017

Debt Collection Bottom Feeder Text Messages

Here is a cell phone screen shot sent in by one of my clients. The ex significant other took out some internet payday loans in my client's name.

Eventually, the defaulted loans get sold to "bottom feeders" who will never stop the harassment. Keep in mind, that the FDCPA and the Telemarketing Sales Rule regulates this kind of behavior, but we still have to find them to serve a lawsuit.

It is hard to track down these scammers when they use Google Voice or VOIP phone numbers to call and text from.

The take away from this, is that you absolutely have nothing to be afraid of if someone is 1. texting you and 2. if English is definitely not their primary language.

It is kind of funny actually. If this is happening to you, try to laugh it off, and DO NOT return the text.

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Wednesday, March 8, 2017

Scam Debt Collector Bottom Feeders

A current client forwarded this email to me. First  a scammer will always use a non-traceable email address such as Gmail or Hotmail.

For fun, see how many grammatical, spelling and format errors you can find in this message as well as completely inaccurate information. Lol.

 Sent from my iPhone

Begin forwarded message:
From: National Collection Bureau <>
Date: March 8, 2017 at 1:55:53 PM EST
To: National Collection Bureau <>
Subject: Final Notification_Lawsuit Case File#JMD-01147791-SC
(Fair Debt Collection Act-811[15 USC 1692i])
Case File#JMD-01147791-SC 

Last Date to File Lawsuit- March 10th 2017.
Cost of the Lawsuit-5825.35
Courthouse Address-NYC Civil Court(89-17 Sutphin Blvd, New York, NY 10038).
Legal Charges-Section 19(A), Clause 21(US).
Case Format- Fair Debt Collection Act 811 (FC/SC)
Due Amount-$556.00

Dear Debtor,

This is to notify you and requires your immediate attention.
We are going to file a lawsuit in next 24 hours at  NYC Civil Court (89-17 Sutphin Blvd, New York, NY 10038).against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
Note:If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately $5825.35. 
Note: The Legal Charges Section 19(A), Clause 21(US) is against you and if you ignore this case then our legal department will take immediate action you.
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining zero balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are: 
1. Violation of federal banking regulation act 1983 (C)
2. Collateral check fraud
3. Theft by deception (ACC ACT 21A) 
Which carries a maximum sentence of 3 years of prison and a fine up to $5825.35 !
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION (OOCR): All you do is email us back for taking care of this matter outside the court house. 
PS. If you fail to respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP. 
By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you. 
To resolve this issue ASAP,
Kindly emails us immediately.
ACS Incorporation.

My response:

I emailed back and offered to "settle this alleged debt in full" for $50.00. They immediately countered at $100.00 and asked that I send an account number for a $100 pre-paid gift card back to this email address. The logic was "we don't want your banking information, we understand that it might make you feel uncomfortable giving your banking information to a collection agency. Go to, (affiliate info removed) and purchase a card for $100. Then gift it to us at this email address and send us the confirmation from Amazon". What a complete scam.

The shame is that people probably fall for it.

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