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Pay Day Loans / Harassing Phone Calls

Jacksonville FL, United States Review updated:
3.15
Contact information:
Phone: 904-721-3705
Wow! These people Jason Smith and William Dean started calling my boyfriend telling him that I was going to be locked up for 2nd degree check fruad and it was a felony and they were working on behalf of cash n Go. Well I did get a payday loan but i remebered paying it so i said before I pay them let me check the internet and sure enough the were scams they were not lawyers at all but a collection agency what the heck I went to cash n go and paid the moeny I owed them no problem, I told the man they could have just called. Any way if you get a call from these nuts be polite and tell the that you will deal with the PDL lender directly. The world we live in I tell you.
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Sm
  25th of Feb, 2009
Agree Disagree -1 Votes
Smith Dean & Associates Responds to anonymous internet rants
The internet is a very influential and effective part of any business in today's fast paced, global economy. A major problem that comes from this is that anyone can post anything they want to about a company without any truth or consequence on the many internet outlets. Many times, after a professional and ethical company is smeared through anonymous ratings, it is the company's good reputation that is in the end, unfairly tarnished.

We would like to set the record straight and state the facts for all to understand once and for all.

Before any one of our clients place an account with us, or any other collection agency, they attempt to collect the debt themselves for 30-90 days before placing the DELINQUENT debtor to us. After our client (the lender) realizes the debtor (the borrower) is not going to pay them, they then forward the now very past due balance to us (the collector).

The ridiculous nature of the statements made by the complainants (the debtor) is that not a single one of these people ranting about us and other collection agencies will take one ounce of responsibility for the fact that they borrowed $ MONEY $ from some business and DID NOT PAY IT BACK!! In many instances, these individuals broke laws by writing worthless checks.

They also fail to mention that every one of them could have worked out an affordable payment plan with our client (the lender) during the 30-90 days before we received the account. After breaking every payment arrangement or flat out just not paying the debt, they decide to go to the internet and post anonymous comments making them out to be the VICTIM!

We maintain that we follow the letter and the spirit of the law in every instance in attempting to collect a debt. Furthermore we are always in complete compliance with the Fair Debt Collection Practices Act (FDCPA).

All we can say is that in a perfect world, if the borrower (now debtor), would have paid back the monies they borrowed in the first place, there would be no reason for us to be contacting them at all.

So potential clients, please keep in mind, the people who are on the internet complaining about collection agencies are the very people who have taken your money and refuse to pay you back. YOU ARE THE VICTIM. Not them...
An
  9th of Mar, 2009
Agree Disagree 0 Votes
SMITH DEAN & ASSOCIATES EMPLOYEES MISREPRESENT THEMSELVES AS ATTORNEYS AND LAW ENFORCEMENT ...I RECIEVED A CALL FROM A DAVID BAKER AND A JASON SMITH STATED THAT THEY HAD LAW ENFORCEMENT ON STANDBY TO ISSUE WARRANT IF I DIDNT PAY ...I LATER FOUND OUT THEY USE TO BE UNITED PROCESSING AND CHANGE THERE NAME TO SMITH DEAN AND ASSOCIATES TO SOUND LIKE A LAW FIRM... I CALLED STEVEN COHEN W THE FEDERAL TRADE COMMISSION TO FILE A COMPLAINT AND I ADVISE ANYONE ELSE THAT HAS BEEN HARRASSED TO DO THE SAME THE # IS 202 326 3222
Le
  16th of Mar, 2009
Agree Disagree 0 Votes
Smith, Dean & Associates can also call debtors and tell them lies, such as "we are not a collection agency, we are a law office". "We are going to send a Jacksonville Sheriff's Officer to your home or work and serve you with a claim to garnish your wages."

Well, which Florida Bar-approved attorney does your company represent? I found ZERO on the Florida Bar website. It's public information.

Smith, Dean & Associates brow-beats debtors and use scare tactics and other very unethical collection methods. They are famous for misrepresentation, unwarranted and illegal threats, and other FDCPA-violating methods.

There are a lot of bad comments about Smith, Dean & Associates, because Smith, Dean & Associates is a bad company.

They threatened to garnish my wages if I did not pay a bill in full by a specified date and time. I say, bring on the garnished wages. I'd love to see you work your way through the legal system, when you do not actually own the debt in which you are attempting to collect.

Learn the laws, follow the laws, and you won't have to defend yourself against angry consumers on the internet.
Le
  16th of Mar, 2009
Agree Disagree 0 Votes
Also, I never refused to pay anything. There was a mixup with my insurance company, and with a doctor who turned my unpaid account over to Smith, Dean & Associates.

I never recieved a copy of the original bill. I was unaware of any outstanding debts for this doctor's office, so why should I be treated like an animal?

The FDCPA is here for a reason, and that is to protect debtors from unlawful collection acts, such as the tactics used by Smith, Dean & Associates.

The bottom line is that you should pay your bills before you have to deal with the likes of Smith, Dean & Associates.
Cu
  9th of Nov, 2009
Agree Disagree +1 Votes
My employee from my workplace received a call from David Baker and when calling the number back the company name was AMS. When searching the internet for information if there were any complaints against this agency I came across David Baker's name being affiliated with several different collection agencies with similiar complaints. I was just curious about this since I can't imagine there is a David Baker who works for every collection agency dealing with payday loans.
Sm
  16th of Nov, 2009
Agree Disagree 0 Votes
Smith, Dean and Associates called to collect on not even my debt but a family members, being that its not my debt and none of my business I explained that person did not live there, but was a family member and to please not call my home anymore. A gentleman named Jason James began to make threats againest my family member and preceeded to tell me thier business. i explained once again the person did not lived there, and they threated to press charges againest me for aid and abetting in a felony case. I mean really tell your ###ic people to at least get a general knowledge of the law before trying to threaten and scare people. The only thing that scared me was what and idiot this guy was and it will be a joy to write an formal report for the court to help those who will be in no doubt sueing you in the near furture. Oh and by the way I also took it upon my self to call federal trade commission and will be alerting news. Perhaps a shining light on smith dean and associates from 9 on your side, will give them a deserved kick in the rear.
Pe
  4th of Feb, 2010
Agree Disagree +1 Votes
SMITH DEAN & ASC
101 CENTURY 21 DR #107
JACKSONVILLE FL 32216
904-721-3705


GIRLFRIENDS BROTHER RECIEVED MANY CALLES FROM THESE TRAILOR TRASH SCAM ARTISTS, MY GIRLFRIEND CONTACTED THEM WHILE SHE WAS IN THE HOSPITOL AND THEY THREATENED HER, MADE HER CRY, TOLD HER SHE WAS GOING TO HAVE FELONT CHARGES, TOLD HER THEY WERE COPS, TREATENED HER FIENCE, TOLD HER TO DIE, ETC THESE PEOPLE ARE NOTHING TO FEAR, THEY ARE PIECES OF ### TRYING TO SCARE DEFENSLESS PEOPLE. THEY HAVE CHANGED THERE BUISSNESS NAME, THEY PAY THERE EMPLOYEES UNDER THE TABLE, ONE ASSOCIATE HAS A DUI ON HIS RECORD, DON'T BELIEVE THE ### THEY SEY REPORT THEM TO THE FEDERAL TRADE COMMISION, BETTER BUISSNESS, LOCAL LAWEFORCEMENT, AND EVERYONE U KNOW THEY NEED TO BE ARRESTED FOR HARRASEMENT, COERCION.ETC
just call STEVEN COHEN W THE FEDERAL TRADE COMMISSION 202 326 3222 to file a complaint


"Under the Federal Trade Commission's Fair Debt Collection Practices Act, collection agencies may not use any false, deceptive, or misleading representations or means to collect debts. They may not harass, oppress, or abuse any person while attempting to collect a debt. A debtor may be contacted between the hours of 8 am and 9 pm as well as at work unless instructed not to. Collectors cannot tell or discuss with others the debtor's personal finances.

Consumers should be aware that debt collection is a civil issue and collection agencies are not empowered to issue arrest warrants. Consumers should also be aware that collection tactics such as impersonation of government officials or threat of arrest are violations of the Fair Debt Collection Act


We have received your complaint. Thank you for contacting the FTC. Your complaint has been entered into Consumer Sentinel, a secure online database available to thousands of civil and criminal law enforcement agencies worldwide. Your reference number is: 25299513


Your complaint has been submitted and has been assigned tracking number
6AF6D-DED5E-C34AA-28D0F-AFFB5-60277-23
An email will arrive shortly confirming your complaint.
We suggest you print a copy of this page for your records
St
  14th of Jun, 2010
Agree Disagree 0 Votes
i recieved a call from Angie Smith on 6-14-10, stating she was from a Sherrif's office, I called back and found out it was from a corperate office affiliated with Smith Dean, she then called my home and told my 13 yr old that if she didnt speak with me that she was going to have the police to come and arrest me. She called my job and stated that she will have my a-- locked up, when I asked for a supervisor she hung up on me, I called back to only be yelled at and hung up on.
Vi
  17th of Sep, 2010
Agree Disagree 0 Votes
I recieved phone calls of the same nature and I never even took out a pay day loan. I applied for one and was denied! These people are trying to extort money from people who don't understand their rights. Even if you owe money to collection agencies or pay day loans, no one can arrest you for not paying them. I even had a police officer come to my house and tell me that. The officer told me to just ignore the phone calls. Hopefully these people can be stopped if enough people complain!
Ca
  5th of Nov, 2010
Agree Disagree 0 Votes
I received a phone call today at work from an attorney's office. First of all I could hardly understand this person because the accent was so strong. When I said I didn't understand the company's name, they transferred me to a "junior attorney" Once again I couldnt understand them so they transferred me to their "lead attorney" LOL Anyway when the "lead attorney" got on the phone I asked him to spell the company name which I have at work. I then interrupted him again and asked where are you located? He stated California and proceeded to tell me I had serious felony charges pending... So, I interrupted him again and asked for the physical address of the company and their phone number, they hung up on me and never called back. Too funny just dont fall for their scare tactics. They may call me again tomorrow, but that's okay I will just keep asking them questiions till they get mad and hang up.
Pi
  24th of Mar, 2011
Agree Disagree 0 Votes
I also received a phone call for these people, I immediately knew they were full of it when they told me that they were gonna have people coming to my house, my job, my family members homes to locate me and arrest me for writing a worthless check. Now granted I do owe a debt for a payday loan, but they never told me the correct amount and the right company that I borrowed from. These people have taking collection to a whole new and illegal method. My wife is a bill collector and she spotting this illegal activity out as soon as she heard the voice mail they left. Do not send this people a damn dime and do not be frighten by them. No one could be locked up for not paying a debt. If that were the cause the jails would be over-flowing with people that don't or can't pay their debts. They also said that they had got my bank statements, now you know they can't do that, only a judge can order that for a case in court. BOTTOM LINE THESE PEOPLE NEED TO BE ARRESTED FOR IMPERSONATION AND REPRESENTATION OF A LAWYER'S OFFICE WITH NO BAR LICENSE ON FILE. Take this advise from an ex-police officer of the law. Thanks.
Jo
  3rd of Jun, 2011
Agree Disagree +1 Votes
How about ANGIE smith?? She called my home at 5:15pm to let me know that if I did not contest, then that was considered to be waiving rights to attorney etc. and to be put on the "docket for 9 am (tomorrow!!) I was supposed to work till 9pm but came home early, to her alarmingly hostile vioce mail. I returned the cal to said law office only to be hung up on twice. Once by the receptionist and once by the EVER SO CHARMING Angie Smith (IF that IS her name). This person attempted to quote details of my payment arrangement with my payday loan company...but they were incorrect. (So if I agreed to make payment arrangements...why are you calling me?) She quoted these details and then in the same exact sentence said they were irrelevant. To that I replaed "If they are irrelevant..WHY are you speaking of it?" THIS really got under her skin; she lost her cool and within 60 seconds had hung up on me. Now THAT is professionalism it its FINEST.
To said LAW FIRM...you CAN reply to this with your chaming legal terminology and legal jargon...but nothing beats the reaction I got from her...THAT says a millions words. I care not about any reply this said "law office" tries to come back with. And THAT really is funny...to watch them get their panties in a bunch...really? Why so offended? If you walk tall then you really shouldn't worry about what us poor (non-bill paying people) think or write about you.

JONNA Wilson...not JOANNA, JONNA! If you want my money...you could AT LEAST pronounce my name correctly. BUt why would YOU bother...I was a POS in YOUR mind before you even dialed. Anybody ever told you that you get more flies with honey than you do with YOUR attitude?

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