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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Wednesday, February 15, 2017

CFPB adds 23,000 Complaints to Database in December

WASHINGTON, D.C. - With debt collection continuing to be one of the primary triggers, the Consumer Financial Protection Bureau’s latest update about its complaint database indicated the bureau has handled approximately 1,080,700 consumer complaints across all products as of Jan. 1.
For December, the CFPB reported that debt collection again was the most-complained-about financial product or service. Of the approximately 23,000 complaints handled in December, there were 7,196 complaints about debt collection.
The second most-complained-about consumer product was credit reporting, which accounted for 3,837 complaints. The third most-complained-about financial product or service was mortgages, accounting for 3,762 complaints.
Agency officials noticed Alaska, Georgia, and Louisiana experienced the greatest year-to-year complaint volume increases from October to December versus the same time period 12 months earlier. The data showed Alaska was up 57 percent, Georgia climbed 46 percent and Louisiana rose 32 percent.
The CFPB added the top three companies that received the most complaints from August through October of last year were Equifax, Wells Fargo, and TransUnion.
The bureau’s latest update also highlighted complaints from Tennessee. As of Jan. 1, the CFPB tabulated that consumers in Tennessee submitted 17,800 of the 1,080,700 complaints the bureau has handled.
Of those complaints, 4,700 and 5,800 have come from consumers in the Memphis and Nashville metro areas respectively.
Consumers in Tennessee most often submitted complaints about debt collection. Officials found that debt collection complaints accounted for 34 percent of the complaints submitted to the bureau by consumers from Tennessee, while nationally debt collection complaints account for 27 percent of complaints.  
Equifax, Experian and TransUnion were the most-complained-about companies for consumers in Tennessee.

Next Post: Why Are My Credit Scores Constantly Changing?  By John Ulzheimer

How Student Loan Debt Factors Into your Credit Score:

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Saturday, February 11, 2017

Why Are My Credit Scores Constantly Changing?

By John Ulzheimer
The Ulzheimer Group 
One of the most common questions I receive has to do with the changing nature of credit scores. One month, one of your scores is, say, 700, and the next month it’s either higher or lower; it’s rarely the same. What is the explanation for this natural ebb and flow?
First things first: let’s dispense with a pesky myth about credit scores. Your credit score isn’t a continuously changing quantity, like temperature or body weight. Your credit score is like a snapshot; it reflects your situation at a given moment in time. As with snapshots, a new score taken weeks, days, or even minutes from now will reflect a different reality – but it doesn’t replace or update the first score; both are accurate reflections of your circumstances at the time they were created.
A credit score is created when it is calculated by one of the three credit reporting companies (CRCs—Equifax, Experian and TransUnion), based on data stored in their respective consumer-credit databases. The only time a CRC calculates your score is when some entity asks for it. Most typically, that entity would be a financial institution, like a bank, or a credit union or credit card issuer to which you have applied for credit or a loan. But landlords and utility companies may also request scores, and you may even request one yourself when you buy a score or check it through a free-score service. Each time someone makes a score request, or inquiry, a new score is calculated using the information in the credit file maintained by the CRC supplying the score. (Some of these inquiries can impact your credit score, but many others, including those you request yourself, cannot.) 
Credit scores are determined by considering a variety of factors from your credit reports, including the presence or absence of derogatory information, your types and amounts of debts, how long you’ve had credit, the variety of information appearing on your credit reports, and how often you apply for credit. These factors represent dozens of different individual metrics, each having some influence on your final three-digit credit score. Continual changes in these factors mean it’s very likely that scores based on each report will differ, at least a small amount, every time they’re calculated. But here’s the catch: because your score isn’t part of your credit reports, you may not even know about changes in your credit score unless you track them over time. 
If you do track your scores over time and discover that they are always different month after month, don’t panic. Your credit scores will migrate up and down as the information in your credit reports change. Every month, your credit report data becomes older, inquiries age further, credit card balances go up or down, and maybe derogatory information disappears or, unfortunately, lands on your credit reports. All of these things will likely cause your credit scores to be different from the last time they were calculated. This difference in credit scores is perceived as “change,” when in reality your scores have simply been recalculated based on slightly different credit report data. 
If you were to compare the information on your credit reports today to the information on your same credit reports 30 days ago, you’ll likely see many subtle differences, principally to the balances of your credit card accounts. These changes result in a different number of points you’ll earn across the many credit scoring metrics, which is why your scores are likely to be slightly different today than they were at the same time last month.

Thursday, December 22, 2016

Are American Consumers Taking on Too Much Debt?

This is a very cool infographic from Equifax. Wow!

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