Received notice of intent to file law suit collection

No sane person is going to ever tell someone when the process server will be out to serve them. Kind of defeats the purpose of low cost service of process.

I have had enough trouble serving a DC attorney without letting them know the process server was coming. I agree this is a scam. They are likely ghosts that cannot be successfully sued for their scam. Unless you got the pay day loan from a store front lender they are not going to sue.

Aside from these kind of calls there is no harm to you by not paying it. They won't report because they violate a LOT of collection laws and don't want to be sued. There are any number of search engines that if used to find your contact information will also reveal relatives and THEIR contact information.

That is how they found your brother. As a local business they are in a position to follow through with a suit. As an internet business they would have to hire a firm in your state to pursue you and given the low amount of those loans it is not cost effective.

However, given that you cannot locate the business that called you or their phone number I am still convinced it is a scam. Definite scam. As Credator said, I would toy with them as well, but that might just be because I hate the bottom feeders that do this. I tried to call them 3 times it told me to hold for a rep n after about a minute went to some guys voice mail. They called my work as well leaving the same voice mail they left me.

Had someone else call too and got the same voice mail. Seems about fishy to me. Even if I chose to toy with them, I am not going to waste my time chasing scammers just to speak to them. I would only do so if they called me and they put a live person on the phone. I have received calls like that before. It's always a scam. OJ Lawall offices used to call me and threaten to come arrest and such.

The day before my drivers license was to be renewed they called to inform me I would be arrested at the DMV. They never even bothered telling me what fake account they were trying to collect on.

Just threats, cursing and really vulgar talk. I filed a complaint with the bbb and they sent a letter appearing to be written by someone with no understand of the English language. After several phone number changes they stopped. As for the payday loan stuff I can tell you I worked for a company several years who did payday loans and check cashing. I would strongly suggest recording calls from the in house collection department should you become late with payments.

I had customers come in my store with cells phones on speaker so I could hear what was being said. It would really be rare for them to sue. I'm not saying it never happens but usually it will stay in house for up to a year.

I had people come in who had defaulted more than five years past and they could take out a loan if they paid the balance. If you can get a nice person on the phone doing collections they might work with you and drop some fees. A few of my customers did that all the time.

One of our competitors sued or had people arrested for hot checks. The loans they did were a bit different. I'm not sure about online loans. I can tell you though most people take out many loans all at once. I know this because I had to look at bank statements to approve a loan.

I've seen thousands of loans default and not one suit. They may have sued the consumers who defaulted but there is NO state that will prosecute a bad check charge for a pay day loan. The ONLY recourse a pay day lender has is a civil suit. I have yet to meet a prosecutor that will pursue a criminal charge based on defaulting on one. They used to call my Dad when he was alive. At first he panicked and would call me in a lather out of fear I was about to be arrested. I actually had to sit down with him and pull up posts like this and articles on how it was a scam.

He finally figured it out and the last time they called him he informed them that he was a retired prosecutor which was true and wanted their contact information so he could have his colleagues negotiate a plea agreement. They hung up and never called back. I received one of these calls last week. I missed the first call and heard the exact vm you received. They called several times after that. I finally answered and the guy gave me the info to call the company that "hired him to serve me".

I was out of town and was a bit nervous to be served and have something left at my house and my roommate get it. I was recently served for a civil suit on another alleged old debt and she knows. I did not want another one for her to find out.

I called and they gave me all the information on the alleged debt. I told them I knew nothing of it, they asked if my address was correct as they have sent me notifications to settle on debt. I said it was but have not received anything previously. She gave me acct number, dates of cc, amounts etc. I kept denying any knowledge of such a cc. I later recall receiving such messages a few years back - exact ones. This creates a delivery receipt which may become important in court.

This letter serves as the formal notice of my intent to file a lawsuit against you in court, due to your not refunding my money as previously requested. On September 7, , I notified your company that I would no longer use your services, due to your charging me too much money for previous services. On that date, I was assured that my money would be refunded. Again, I was assured repeatedly that my money would be refunded.

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