Cash Advance USA review: Bogus Collections - Scammers!!! 446

I also just got a similar phone I cussed them out and hung up on them because I know I've never gotten a CASH ADVANCE in my life, so they take there threats and shove them ...

Calls from [protected](Arlington Tx.)

Receiving calls from India speaking persons with hard to understand English; claims I am being sued by their client USA cash advance, claim to be with American Law Department and his name is Attorney Micheal Brown and a Sam. They obtained my information from online when I completed a payday loan sometime back.

Claiming being sued for non repayment of an unknown amount; on an unknown date; and no available transaction # to provide me.

I wish they would get a real job and stop the attempt to swindel funds my account asking for a payoff of 200.00 but will not provide me their information. I have informed my bank of this issue as well.

Is there anyway to sue them for harassment; calls to my home & job.
This is a lesson learned...Never send out your life personal information via websites.

Dallas Tx.

I have received two such phones calls. They have actually contacted my employer. I will be forwarding this link to him . The first time was a gentleman with a middle eastern accent as well. He stated that he was calling from American legal something and they were in charge of all of the Payday loan companies. I pressed for more information and he told me he didn't have to tell me anything and that I need to get a lawyer. He said his name was Steven Marks. The second time I spoke with him he pretended he was taping the conversation and asked if I wanted to go to court or provide restitution. I chose the option of court. Just recently I receive another call today and the gentleman's name was Steven Davies. I think he forgot he had called me. When I called back, the man that answered the phone told me his name was Shawn Black. Odd, the voices sounded familiar. I tried to get information such as my bank account number, when the money was posted (exact date), when was the first attempt. He could not provide me with any information and told me I should have that already. He got belligerent and hung up. I called back, tried to get more information and he acted as if I had insulted him. Also, he told me the office was located in Brooklyn New york. However, the area code for the return number was for New Jersey. I let him know that I would be contacting the States Attorney's office in my state, New Jersey, and New York regarding this matter. He proceeded to slam down the phone again. It was 3 weeks between calls. I wonder if he'll call back.

Thankgoodness for all these posts. I received a voicemail on my cell phone today that I must urgently call the number for "Alex Watson" of the business relations/legal dept. 'Time" is important because I am being sued. I called and was transferred to a a man with a thick mid-eastern accent. He said that I was being sued for a non-payment of a cash advance by a company called 'CASH ADVANCE' for $432.00. I checked my bank statements to see if there was a deposit of $432.00, but there was none. I was very confused and scared, but I was ready to prove them wrong! Then I googled Cash Advance scam and here I am. I told that guy that I will see him in court and hang up on him.

I got a call like this a couple weeks ago. I first received a collections letter in the mail, then the phone calls started. I never took out an internet pay day loan. They gave me a lot of information.. some of it was incorrect. They said that I took a loan for $535 in July of 2008. I don't know who they are or what company they work for.

OK, I just received three calls from the same guy with a heavy middle eastern accent saying his name was Frank, Eric and Zampora. His cell number is [protected]. He threatened legal action if I did not pay. He had all of my personal information, so I assume someone working for advance cash is selling personal data. I did do business with advance cash once. Anyway, his cell is located in Van Nuys, California. I have the police and FTC involved. Hopefully, they can track his cell. What a dumb time to scam people using your cell when all cell numbers are public knowledge as of 4/1/2011. I keep calling him back and he hangs up.

I just had these losers call me. What losers! DON'T ASK ME 4 [censored]! GOT IT SHAWN! Get a real job. Intimidation won't work here. Again they sounded middle eastern. They really thought I would pay $7000.00. Ha! You are real lucky it is hard to track people using SKYPE! Or you would be the one needing a lawyer.

I just received a phone call from an individual claiming to be an attorney representing Advance Cash America and stated that unless this matter was resolved, there would be legal action against me. He claimed to be Lee Johnson from ACLS at [protected] ext. 1009. When I called back, he wasn't there, and I was told basically to pay up or we were going to court. When I asked for details he hung up. I called back, this time I talked to a non-english speaking woman whom I had to spell my last name approx. 10 times, before she got it right. She stated that this so-called pay-day loan was 6 mos. in arears with a balance due of $180.00. Amazingly this so-called same company sent me an offer for $1, 500 on 3/27/2011. Prior to all of this I told this woman, that 1; no such loan was ever taken out and if it had it was paid off, and 2; if I receive another phone call from them again not only will I counter sue for harassment but emotional distress. Plus I'm contacting local and federal authorities regarding this matter and filing formal charges against all parties involved.

I have been getting calls from some middle eastern sounding guy named Mac Thompson. He claims I had a pay day advance from cash advance and I owe. Apparently they are filing charges on me for not repaying the loan. He also knew the last four numbers of my social security number and my email address. I told him I never had a pay day advance and i do not have a bank account. After i told him i do not have a bank account he hung up. He calls from an unkown number and answers the phone not like a business or collection agency he is just rude.

I have gotten myself into a mess, I met this guy online, sent him money, can't get it back. I even took out a loan to send him money through speedycash and now I got these foreign people calling my cell phone, they know my email address, my name, my phone number and everything. They are telling me that I owe money to Advancecash for a payday loan, I have never took a payday loan with advancecash and they are telling me that there is a lawsuit against me and that it is going to court tomorrow. I am scared about this, what do I do? How do I get these people to leave me alone?

I have been recieving phone calls too! This Kevin character is calling my cell phone and my plae of employment saying I owe a payday loan and a lawsuit will be filed against me and them if I do not pay. I aked him to send me th information in writting to me and he told me if I refuse to pay that he has to send the lawsuit to my employer. Ive gotten numerous calls from different phone numbers. I put a complaint in with the FTC.
Hopefully these idoits will be stopped.

I am so happy I found this site. I received a call at work from a guy named Eric Miller claiming to be from the Department of Justice. His number is [protected]. Mr. Miller claims to be representing Advance America Cash Advance. Eric Miller claims that I took out a payday loan online and that when they tried to take the money, the check bounced. I know for a fact that is false because I have overdraft protection and the bank would of covered the transaction. I could barely understand what this man was saying (heavy Indian accent) and I asked him to repeat himself constantly. He scared me because he has my personal information. He claimed that I was going to be arrested for testify deception, check fraud, and violation of wireless banking, and holy crap I was scared. He said they were coming to get me at 11am on 3/22/11 which is the day I am writing this complaint. I've yet to hear anything. I asked Mr. Miller to give me the date, company name, and amount of the transaction and he REFUSED. Another red flag. He stated that the company tried numerous times to contact me through e-mail. I asked why I was never contacted by mail, and he stated that they do not have to do that. Total BS. I was finally able to find the number for Advance America Cash Advance to see if there really was a loan out there. The company stated there wasn't and even asked me if the caller sounded foreign. This has apparently been going on for quite awhile. They have advised me to contact the credit bureaus, police department, and FTC. Unfortunately they cannot stop these people from calling and harassing individuals. It's okay though, I look forward to Mr. Miller's calls now that I know it's total crap.

I have received the same type of calls over the past several months. The most recent is this week. This man witha heavy indian accent claiming to be a police officier from NY in the legal department. When I told him he wasn't the first to try this and I knew he was a scam he proceeded to say F_ _k You. The calls were constantly one right after the other for 30 minutes to my job. I have looked at my bank statements and have never done business with the company I supposedly owed money. This is really frustrating and embarassing to say the least. How can I get them to leave me alone? what makes them so stupid is while they think they are cleaver but if they realy took the time to research they would realize that any debt that goes unpaid goes to collection company after collection company, but never makes to to the police department for collecting. What a bunch of bozo's.

I guess I am gullible as I to received a call from these scammers the phone number was [protected] on m caller I
D. I aws told that I was under investigation by the Department of Justice and if I did not settle the debt of 496.00 I would be going before a Jury and if found guilty I would sentenced to 5 years and pay a fine up to 4, 000 dollars and being the stupid fool I am it never dawned on me to google the web site name. Well l hope the get caught for this fraud on a senior citizen. I have since cancelled the debit card and I am going to contact the Missouri attorney general on this matter.

Good luck to u all as I myself am recieving these calls.They went as far as to leave me a voicemail identifing himself as a police officer, I basically told him to kiss my @#$.Then decided to play with them.Idont know how they do it but they manage to disenable their phone lines in like 115 seconds flat cause that was all the time I had to #@$% with them I can no longer get thru to them @ [protected] miss.me w/dat [censor]

Today I received a call from a company called LLC Law Offices claiming to represent Advance America Cash Advance. They were alleging that I had failed to pay back a cash advance and that they attempted to contact me several times via email. Note that I did not receive such emails. I had done a cash advance in the past but have confirmation that the $ was paid back. The gentleman from LLC was of Asian decent as I could tell by his dialect. He did have some pieces of information that were proprietary such as my employer name, two of my friends names, the last 4 of my social security number and the name of my bank. I believe this company has hacked into the records of the company where i had once done a cash advance and obtained this information that way. The gentleman's name was Sam Parker and asked that I give him my debit/credit card information over the phone or I would have a lawsuit filed against me, they would contact my employer and they would reach out to my personal references and inform them of this situation. When I explained that I was not going to oblige and that I needed proof of this debt he said that he could file and OOCR which is an agreement that I wanted to settle out of court but that I would need to fax a letter to him @ [protected] (this is a New York phone number) by tomorrow AM indicating my willingness to settle and my bank information to provide payment. I am obviously not going to do this, but I want others aware that this is going on

I too am getting phone calls from this "Business" claiming the same thing, but i recieved calls from a [protected] number instead. They would not tell me the amount I owe. When i asked about where to go to pay it. I received the reponce "We only accept payments over the phone. They have supposedly already sent the information reguarding this matter. I could not fully under stand them as they have a very heavy mid eastern accent. But i believe they said something about sending it to my house. I also had seeked help from a few cash advance sites but (NEVER RECIEVED ANY FUNDS.) this is a scam report to ftc as soon as possible. also
i was told i need to pay the balance in full through US Cash Advance. if i didn't i would be taken to court and would pay over 5, 000 and they would get my employer involved and make them refuse payment to me.

Its my first time to receive a payday call scam today 3/3/2011 at around 3:30pm EST. At first Im surprised and confused but decided to hear and write down what he is saying. He said he is a lawyer from the California Bureau of Investigation and that they open a legal case (CASE GK8975-DVV something) against me. He called to say if I want them to proceed with the legal action or settle the account with him. He gave his phone# as [protected]. He sounded like a guy from the country India. When I asked what is the case about, he said that I am in financial fraud blah, blah, blah because I did not pay the money they deposited in my bank 6 months ago. I am still surprised and said that dont remember applying for a payday loan. He raised his voice and said that is not his problem if I dont remember. This time, I got really angry and said like screaming, "You idio*, I DID NOT apply to any payday loans!". I asked the name of the payday loan and they told me it is US Cash Advance. He even told me they have proofs and they will win the case in court. Then, asked me again if I want to settle, it will only be 400 but if I go to the legal process and attorney, it will cost 4, 000. He also add that there will be police investigation and questioning, blah, blah... AT this time, I decided to just MUTE my phone and let him speak while I google for 'US Cash Advance'. I am so glad to see these exact complainst and Modus Operandi of this stupid scammers! I hope they get punished for doing this!

I am SO glad I did the research while I still had these idiots on the phone. Last night I get a call from "Striker and Associates", a law firm, and honestly, I know the whole schpiel...if it was a TRUE debt collection call, you'd hear the "this is an attempt to collect a debt and any information on this call will be used for that purpose"...not only did I NOT hear that, but I could barely understand what this fool was saying. His accent was EXTREMELY heavy, and he read back to me my home address, checking account number, and email address. Then transfered me to "Alex Striker" who had the same heavy accent, but wanted to tell me that he represented US CASH ADVANCE and they were the parent company to over 350 payday loan companies...and that back in June of 2010 I took out a loan for $400.00 and they are looking to settle this "debt" for nonpayment. I immediately denied ever getting a loan back in June of last year and said anything I've gotten, I've paid back...and I never, ever, got a loan for $400 last year. I kept asking him where he was calling from and he kept saying "Striker and Associates"...so while he was explaining to me that legal action was about to be taken against me, I was online looking up this information and came to this site. I lost it when he told me that if I said that any loans were paid off, he'd "go back to the client and tell them that" and that I would not receive anymore calls from Striker and Associates...I asked him who would I hear back from to confirm that I had no debt, and he said "I don't know..."...WHAT?! You call ME telling me you're coming after me for some [censored] a** loan and then you don't know?! And then you tell me you tried to notify me 17 times by email to tell me my loan was in default? NO, YOU DIDN'T...I NEVER GOT A LOAN FROM YOU PEOPLE, DON'T CALL ME AGAIN, THIS IS A SCAM.

I'm more scared than anything else because like a lot of you, he relayed my CHECKING ACCOUNT NUMBER. I didn't confirm anything, but he certainly had a lot of information on me. If they call again, I'm going to tell them that my attorney has confirmed that they are scams and the call is being traced by the FBI. Then I'm gonna start chanting in Buddhist...or French, or something. Get the f*ck outta here!

What the Heck is going on!? I got a call back in Jan from a guy named "Adam Woods" from [protected] ext. 110. This guy, who sounded like a Middle Eastern, tells me US Cash Advanced put $500 in my bank account last year and that now I'm being sued because I haven't paid back. Huh? So i tell the guy i never had a loan put into my account(i was looking at my bank statements for the entire year of 2010). The man has the nerve to tell me that bank statements are false and can be typed up and give false information. What a a$$! Unfortunately, since it was the first time it happens to me...i believed it. Then he tells me that I would get a document in the mail in a few days. I ended up paying $765 to these people. Last month i receive another call from "John Matthews" (with the same Middle Eastern voice) telling me the same dam story. I now get suspicious. This jerk threatens me with jail time up to 9 years and tells me if i didn't pay withing 48 hours there would be an officer at my door with nice shiny bracelets to take me on a ride. Mother &*%$! So i tell him: "Okay, I'll go to jail". 48 hours later...I'M STILL HERE! Now i know this is a scam. To top it off, today i got another call from "Ben White" form [protected] (same Middle Eastern voice). They all claim to be officers and so i ask them for their badge number and they give me some numbers. Then i ask for their sequence number. (FYI: All police and law enforcement officers have a badge and sequence number. If they ask you what a sequence number is then most likely they are not law officers) The man couldn't tell me anything but lies so i played with his head. I ask for his supervisor and the supervisor (same Middle Eastern voice) tell me his name is "James Brown"...yes like the artist. So i said: "Your James Brown? Love your songs bro! And so i start singing James Brown songs". Next thing i know...phone hangs up. This guy calls me back but now my phone says "Number Unknown" and tells me that in 24 hours a police officer will show up with an arrest warrant and lock me up. I told him: " What color do you think goes better with steel braclets?" Phone hangs up!
[censored]!

I just got a similar phone call from a man with an accent... I told him that I never got a cash advance from US cash he told me that US Cash is the owner of hundreds of payday loan websites, but he couldnt give me the name of the one he was representing. I have had payday loans in the past, which are paid in full. Like all the other comments he told me that he sent emails and letters, which I have not recieved. I called back to get some information like acct # and who he was working for... I got the "company" name Law Associates of California when I asked for his telephone number he said "didnt you just call me" but finally gave me it to me 661 area code. HE would not give me his address just said that once I am served with my papers I will have all the information I need. He stated that he is going to have 2 police show up at my door on Friday to escort me to the courthouse and that he is going to send papers to my job. I have the same questions did anyone ever really get papers or have any further contact from these people?

I have been receiving calls like that for several days now . Is there anything that I can do to sue these guys or anything ! PLEASE HELP! Its so harassing when they call . And I know that if I ever had the pleasure of meeting these rude people It will most likely end up hostile. LOL. But is there really anything that can be done?

Thank you everyone for your informative posts... I received the same type call a few minutes ago at work. I was completely stressed about it because I can't remember any cash advance that I had taken and not paid. Thank you again.

I had this exact same thing happen to me today! I did not take out a cash advance loan, in fact almost a year ago I tried but was turned down and I never ever got anything period! The one guy who called said he would have to transfer me over to his supervisor and they made it sound legit to the T but I know for a fact I did not take out a loan because I was denied! I was even threatened I would be sued. Well if im going to be sued wouldnt I get something from the Sheriff summons me with papers anyway ? Yes I would therefor this tells me their out to scam the American people, do they think we are idiots? Because we are far from being an idiot! I called local law enforcement and reported this to them! In fact, the number that came up on my cell phone was [protected], which is a blocked number! They both spoke very bad english and sounded like they were some middle easterners. I believe these people are tring to scam Americans!

I too keep getting these harrassing phone calls at work. Its a John Williams and its a 424 area code. When I questioned this character if he was going to come all the way from California(I love AT&T because its gives the information underneath the phone number). Sorry but I don't know any John Williams with such a heavy mideastern accent. I have been soo scared because he told me they would come and get me from work. Sleepless nights!

I just received 4 calls from India ! They have my social security! Saying I owe $7, 000 to a Cash Advance USA or some sort..if I don't pay they will sue me? I haven't taken a loan out thru online before..and any payday loan I've gone to is local and popular so please be aware of these rude son of a Bs trying to scam you to make a payment ..they call their company ACS and they even have English names like Mark Wilson and James Carter WOW!

i just got the same call until I told him that my company lawyer was checking into it and for him to call me back, he hung up on me then. The first time this morning a man said I can take care of it right now for $595, and another one called and said $810 or I can even make a down payment of $300. He wont have proof of where I got this loan until after I paid the money or I can just go to jail. He acted suprised that I didnt know about it. All the same thing, he was very rude. I told him to prove it to me and I will press charges against the person that recieved a loan in may name, he said I can just go to jail and lose my job.

The same thing happened to me yesterday (Feb 15, 2011). I am a Paralegal as well and knew something was wrong when the man started telling me about the charges they were filing against me. They were calling out of Florida and had called them back a couple of times because the man hung up on me. They had all my personal information. I made sure I contacted the credit bureaus, the FTC, and the FBI.

i too received the same phone calls. i received several last week from a kevin peterson saying he was from first state atorneys office saying i was going to be served because of a payday loan thaey say i took out and never paid. but when i asked questions he would not give me any info. i told him this was a scam my husband is a police officer and that no one calls you up to let you know you are going to be served papers. he hung up on me. i called back was able to get the name of the company as cash advance. but said that was the parent company he could not tell me the name of the actual lender. now today i received another call from a different company persons name was joseph andrews telling me the same thing calling for cash advance. i interrupted him and said let me guess you are going to tell me i am being serves with papers? he said yes i told him i received this same call last week, it was scam and fraud that i am not that stupid to fall for this and that my husband is a cop i know how the law works. nobody calls you ahead of time to tell you you are being served and that placed a complaint with the police and ftc. he hung up.

I was told that these people were the New York Criminal Investigation unit, and emanded payemnt, so I contacted the NY police, and found that while the calls originated from the Bronx, they were actually originated from overseas, and the NY police wanted to see them as well for criminal offenses, still, do not count on the federal government to stop these people, they do not care as long as they pay taxes.

Yes, they did the same for me, promised money, then took out 150% within 35 days of the deposit without my permission, but the bankstated it could not reverse the transaction.

I am wondering if anything ever came of the potential class action, as I would like to join. These people are holding my funds, and will not give them to me, as they want me to pay the $ 4.00/monthly fee on a card I abandoned over a year ago, to collect the money owed, which is about the same, this is just plain fraud.

college_lover please let me know what your friend says. I am one of the ones suckered in. I had been looking for a payday loan but never finished any of the applications but as you said "Johnny Binar" and Investigative Officer " Stanely Davis, and Micheal Jones all had my information. My first mistake was letting them take the $100 dollars out on 2/2/2011 and then the agreement was for that amount on 2/11/2011 and 2/25/2011 and $93 on 3/11/2011, my paydays. I went through all my bank statements and have not found any money being deposited. I just recieved another call today for the exact same thing. I have tried calling the billing company that took my money but only answering machine. I am looking for advise. wondering if I close the account will I be in more trouble than just letting them sucker me. But will close it once the last payment is done

I have just received a call from a Steven Rogers saying I had a loan from US cash advance of $325 I needed to pay back or I would be in a lot of trouble. When I asked if I could get a hold of the cash place he stated that I was not allowed to because it was only to be through him and his company. The company name he gave me was FCD. which when I looked it up was the name of a few designer places, a soccer team and a Foundation for Child Development. He had a very strong middle eastern/Indian accent. He left me a very detailed voice mail before the call which contained my social security number, address, licence number, and even the information of my mother. Which to me seems a little WRONG and if he had gotten the number wrong then anyone out there would have all of my information. I am a close friend of a police officer and am in the middle of contacting him to see if it is legit or not. This feels like a scam.

i have just called the FTC I urge everyone to do the same

Your complaint, comment, or inquiry may help us spot a pattern of law violations requiring law enforcement action. It also may help us recognize and tell people about bigger trends affecting consumers. We do not resolve individual consumer disputes.
About a Company, an Organization, or a Business Practice
Online: Use our secure complaint form.
Phone: Call our toll-free helpline: 1-877-FTC-HELP [protected]);
TTY: [protected]
About Identity Theft
Online: Use our secure complaint form.
Phone: Call our toll-free Identity Theft helpline: 1-877-ID-THEFT [protected]); TTY: [protected]

I received a phone call from4093566521 a mike cooper, adviced he was calling me due to federal charges placed aginst me. Stated I took out a payday loan. He was able to read back all of my personal information, but when i asked for a return number, the date this transaction was taken out, the check number and amount, he started stuttering, he told me he could only send this to my attny. I advised I did not have one, but due to me working in the banking industry, I was well aware of the collection policies, he immediately hung up before I could finish talking. This scared me as i have now pulled my credit report and see that there are several inquires within the last week ( which is when the calls started) . Due to me trying to purchase a home, I have not had my credit pulled for months. I tried calling the number back and could not.

When these scamming ###s call you, first inform them you're recording the call and that it's being traced. Definitely do record it if you're able (if you still use an answering machine, you are), but even saying so scares off a lot of the pathetic scammers.

There are a lot of these fake collection agencies and bottom-dwelling attorneys buying up bad debt, charged off accounts, and yes, even those that were paid in full years ago, so long ago most people wouldn't still have the paperwork.

These scummy piles of ### count on you being afraid of their insane threats, or of having your credit rating unfairly trashed. Do NOT cave in and pay! Once you do, you'll be inundated with more and more of these scams as they sell your information to other scammers as an easy payoff target.

If you are still a paralegal (your words imply you are no longer in the field), your boss attorney should be able to help you with a cease and desist letter. I can understand how you were caught completely off guard, but I would love to have seen the reaction from this sorry little pile of ### had you responded instantly to his request for your attorney's name with that of one of your bosses.

You've probably already figured this out now that the shock is starting to wear off, but "the courthouse" (singular) in your state makes it pretty obvious this ### is overseas and knows jack squat about the legal system.

Good luck, hang tough and don't cave in, no matter what!

This has now happened to me. I told them that I was pressing charges against them for inpersanting a police offcer and harrassing me. Mr. Samuel Backster, John Smith, Jake and Deputy Micheal Black became in raged and stated that the police would be here in 20 min to take me away in handel bars and for me to go to hell. All I can do is laugh over this. I dare them to try and take money out of my account.

i received the same calls from a Ronnie Copper who was the attorney for the collection department at CashAdvanceAmerica. He called my cell then my work number. Having a middle eastern dialect it was hard to understand but he informed me that i had not made my payments on a loan, i was going to court and being black listed with other lenders. i told him i didnt owe him money and i needed proof. yes you will get all documents after you pay the 400 dollars you owe. after arguing with him and telling him i was going to get a lawyer he hangs up. on my way home from work 4 hours later, a Dean Jones calls and ask me how far I leave from the nearest police station and that i needed to be there at 10am the next morning if I didnt pay the amount that Mr. Cooper said I owed. So I told him ok let me see what i can do just to see what the response would be. Low and behold Mr. Cooper may be able to work something out with me. they want you to send a letter stating who you are, last 4 of your SS, that you have intentions of paying this, please accept your payment and send a copy of your drivers license. Oh Hell no! Im so glad that I had the smarts to hold them off and research this. Dont fall for these idiots!

I received a call from a man "Alex" from some legal firm in California this evening telling me that I had taken out a payday loan on December 15, 2010 and had not paid it back. I had made an inquiry online about payday loans, but never accepted any of the offers that were emailed to me. The man had my social security number, which I don't remember ever putting into the inquiry, my bank account number with the exception of the last (and most crucial) number, my address etc. He said that he would be forwarding prosecution papers to my local authorities and that I would be served with them on Monday (it's friday night right now). When I asked him to email me information so I could check into it, he refused and stated that he is smarter than me (?) He asked me if I was saying that someone stole my identity and I was like - who knows? I commented that he had all of my personal information and that maybe he had stolen my identity... to which he got very offended and hung up on me. I prodeeded to call back two more times and he argued with me over all sorts of stuff, half of which I couln't understand due to his thick accent... He told me that he advises me to secure an attorney because I would be stupid to represent myself and that he would see me face to face in court when I am prosecuted. He also stated that if I did not heed his warning, he would be able to do nothing but sit back and watch horrible things unfold for me. I called my bank and they said there hadn't been an suspicious activity on our account but still, we took some drastic measures and I think will be going to the bank tomorrow to see about changing out account number.