At least once a month, I receive a call from a client who took a payday loan online and his ID was compromised. What happens next is that the collection calls start from collectors who violate every rule in the book. The problem is that these collectors are not legit. They usually have a thick accent and use a fake name that is very American. (think John Williams) They claim they are calling from official sounding places like the Department of Law and Enforcement. (this does not exist) When they call, they demand payment and threaten that the person will go to jail for check fraud. And, they call…A LOT.
THIS IS A SCAM!
Please don’t send them any money. A legitimate collector will send you proof of the debt in writing. They will give you a real address where letters can be sent to them. They will also tell you where they are calling from. And, it’s a real place.
How to protect yourself:
- don’t take out cash advances, especially on line
- if you are receiving calls like this, do not give them any personal information especially your social security number
- ask that they send you proof of the debt in writing.
- tell your attorney they are harassing you
- have your attorney call them