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megreen23

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I don't have anything in "collection" but a collection/arbitration company keeps calling
There is a collection company - originally Marval/Audobon Financial Bureau- calling me and saying they are prelegal and I need to call them now if I don't want to be arrested( among other things). I did not call them back at all because online it said this company was being sued for fraud by the state of NY and I am in MS. Now an AL company calling themselves Core collection is calling me and now my sister( and possibly other friends and family) saying that I have a judgement against my name and SSN and I need to call them or I will be arrested. I have never talked to any of these people and no one has ever sent me anything in writting. It could possibly be from a payday loan that I took online from some out of state co. If that is it I borrowed $300 from them and paid them nearly $1000 before one of the payments bounced. I paid it in full 2 weeks later when I got paid again, but I think they sold my info before that. This was at least 2 years ago and that company is no longer allowed to do business in MS. I am not sure of the name of the company, and these collection agencies have never said who or how much I owe. I am afraid if I talk to them things will get worse. In the past 2 years nothing has shown up on my credit reports about an account in collection. I filed for bankruptcy 3 1/2 years ago.

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First thing to do next time they call is to tell them you cannot accept telephone calls due to the inconvenience and, as is your right under the Fair Debt Collection Practices Act, you will only accept their statement/claims that are sent vias U.S. Mail.  If they try saying you have to talk to them,  just strongly say "Send it in writing!" and hang up.  Then, do not even answer the phone when they call, or hang up.

The claim that you will be arrested is bogus.  Debtors prison went out of fashion a very long time ago.  Actually, they have seriously violated the FDCPA by making such claims and could be subject to a fine of $1000/violation.  Keep a record of each of these calls and see about getting their address.  And have your family members do the same thing if they have been getting calls from these jerks.

Do not be afraid.  These creeps cannot do anything to you because they have no legal authority.  The law is on your side in this case.  Look up Fair Debt Collection Practices Act (FDCPA) for some interesting, enlightening reading.

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