Marval and Associates — Illegal Threatening and Harassment
Okay, so here's the deal. These people tried calling me as well, singing the same song to me about warrants for my arrest, sheriff's on their way to my office to arrest me, class C felony charges, theft by deceit, you name it. So, I listened. And let them talk all the trash they wanted, because I was recording the whole conversation. After they were through with their barrage of threats, I kindly told them I wasn't the person they were looking for and that they had obviously made a mistake. Like all the other people on here noted, that just pissed him off even further, causing even more colorful words and insults to fly.
The great part is, I have family in all facets of litigation - from Justices to Lieutenants to Assistant D.A.'s and even some extremely successful attorneys - not only in the city I reside but other much larger cities as well. I also know my rights as a citizen, and have made quite a few phone calls to investigate this situation as far as possible. Hence the name, 2 Steps Ahead.
Here are my discoveries: I played this recording to anyone in law enforcement that I know personally and who would listen. Most thought it was a riot, but some also felt offended at the choice of tactics and words that were used. There is something called the Fair Debt Collection Practices Act (http://www.ftc.gov/os/statutes/fdcpajump.shtm), in which they refer to these types of tactics. Ladies and gentleman, THEY ARE ALL ILLEGAL. Also, there is NO SUCH THING as a CLASS C FELONY!!! There is a Class C Misdemeanor for which a collection agency of ANY kind cannot file as it is completely beyond their jurisdiction and would cost WAY too much money to do so, even IF they could. Furthermore, THERE IS NO SUCH CHARGE as "THEFT BY DECEIT"!!! I was almost laughed out of the police station with that one. Yes, I did say POLICE STATION. Because my facts are backed up by REAL, MULTIPLE LAW ENFORCEMENT AGENCIES who will hear nothing of this recording, and I have attorneys foaming at the mouth to start a class action lawsuit based entirely off the ONE recorded conversation I was able to capture. There is also something that many of you have referred to, which is filing a complaint with the FTC (https://www.ftccomplaintassistant.gov/). If enough people do this, with the economy the way it is, they will be out of business in no time from federal fines. It literally takes 10 minutes - I did it.
Any business that has a broken down, pitiful website such as Marval and Associates, and then doesn't have a physical address listed anywhere is definitely a company to be questioned. To compound the situation further, ANY LEGITIMATE COMPANY has a listing or record on the Better Business Bureau National Website (http://www.bbb.org/us/Find-Business-Reviews/). There is NOTHING listed for Marval and Associates.
If this doesn't answer your questions about the tactics you are experiencing, then I really don't know what else to tell you. The only thing I WILL waste my time on is a class action lawsuit against these guys - Anyone interested??