Morgan & Associates Law Firm review: Terrible experience 216

Are you kidding me? This thread was started 2 years ago and these monsters are still getting away with harrassing people. They have started calling me and I have never had a payday loan. They had my social and my personal email. They constantly call my personal cell phone and my company cell. I guy named Frank Stone or Storm, I couldn't understand because his accent is very thick, called me and left a call back number of [protected]. This is an Ohio area code. The caller ID on my personal phone showed unknown while the caller ID on my company cell showed this number [protected]. I'm assuming this call was made out of Mexico and the call back number he gave me was a cell phone with an Ohio number. He said I was being sued for $5000. I googled 419 area codes and found out that there are alot of scams coming from this area code. The callers are calling from other countries and the call back numbers they are leaving are prepaid cell phones with USA numbers. They have threatened to garnish my wages and contact my employer. I've already contacted my employer and they are aware of it. I also called my bank and had two passwords added to my account so that any activity requires both passwords. I also had my debit card replaced just in case. I can't believe people get away with this. They are very hateful and rude and have probably scared many people into paying them money.

These are terrible people. They recently started calling me, and their number shows up as [protected]. After several times of listening to the message, figured out it was this company. The man who calls me is an Alan White with an incredibly strong foreign accent. He claims I am going to be sued, and wants me to call him back and input my social security number. No way! I have debts that are being paid off through debt management and will be debt free in just 14 months, so I know there is nothing there. The debt they claim I owe was at first something that I am finishing paying and they said no payments since 2008 but I'm nearly done with it. And then it changed to a payday loan I have never taken out. They call all the time...6 calls this morning between 9 Am and 11 Am, with 3 voicemails, one of which was full of background noise and "Alan" cursing at me for not answering. Yesterday they called over and over and I hit ignore (it's on my cell) and so they immediately called right back. Why do they get away with this?

I have just received a call from this same company and Indiam speaking woman called from Morgan and Associates and wanted me to call this law firm. They had the last of my ss# and when asked what was it in reference to they a lawsyit has been filed against me and when I said I didnt know what they were referring to they got quiet and insisted I take a number to call. I will be calling the FTC. as well

I SAY WE ALL START SATURDAY MORNING CALLING EACH NUMBER THAT IS HARRASSING US AND CONTINUE TO CALL ALL DAY! I DID IT LAST WEEK AND HAVE NOT HEARD FROM THEM, I ALSO WROTE DOWN THE NUMBERS OTHERS HAVE POSTED AND STARTED HARRASSING THEM! SO LETS STICK TOGETHER AND DRIVE THEM OUT!

i have been getting phones calls for a week now 3-5x a day from [protected] and [protected]...about some loan that was deposited in our account...yes we filled out applications but we never went through with any of them..and theres no record that there was money deposited in our account..now these ppl are asking for $987 or theyre gonna take us to court for $[protected]...and i tol them we are getting a lawyer and ill see them in court but they still wont stop calling...they keep asking for our socials and bank account numbers...so i searched them on the internet and im glad to see that we arent the only ones getting these calls...i also starting calling number that others posted and they are the same and the guy from the [protected] told me that i had a very lovely voice

Hello all. I received a phone call from an Officer Roberts?*. Anyway, it was a person with an Indian accent who said he represented Morgan and Associates Law Firm. As everyone else, I had defaulted on a pay day loan. He initially stated that I could forget about it for $300, but before the conversation was over it was around $100. They refused to send any documentation with proof of the default. I have since contacted the FTC, as well as, Experian fraud alert. This is definitely a scam. It's just a shame that no one is doing anything about it.

Call them and harrass them, that is what I did. I spent approximately 1.5hrs calling them and asking them questions. I was called filthy names, and threatened with a lawsuit for harrassment but so far nothing from them!

I just spent the last hour and a half calling them back and harrassing them, the last day they called me! I kept asking for written info, would give no info, even got called filthy names and told I was harrassing them and they would file a suit. I am glad I looked them up, because today you never know whats really go on! I say to get rid of them, call them, spend the time they do, call back every 5mins and continue the line of questioning.

I just received the same phone call. Although I realized it was a scam the minute the guy said his name was "Mr. Smith", its reassuring to see so many others are experiencing the same issue. I filed a complaint with the BBB (Better Business Bureau). Hopefully they can do something about this harassment! It does disturb me that they have all my personal information though!

I just received calls at my work from a William Scott who said I had a debt for a payday loan for $511 but wouldn't identify the loan company, etc. I told him to send me something in writing and not to call me at work again and then I hung up. He called right back. I had one of the attorneys here take the call (I work for a law firm), my attorney told him to stop harassing me at work and to give him his name and number so that he can file a suit against him - the man refused to give his name and number and finally hung up on my attorney. I looked online and there is an actual law firm called Morgan and Associates who says that if anyone gets a call from someone saying they are affiliated with them, to please notify your local authority and to also let them know of the incident via email at spoofing@morganassociatesplc.com. I just filed a complaint online with the FTC.

John Adam with Morgan Associates has been calling me for the last week. They have called me several times at work and even left a message. I finally spoke with John on Feb 20, 2011. John tried to get me to confirm personal information and when I refused, he got mad and hung up. I called him back at [protected]. I tried to get more info from him like an address. Instead he tried to get me to buy a prepaid debit card and send $1000 although I supposedly only owed $595. I told him this was a scam and he responded that he wanted to [censor] me. Yes, he said that. I told him he was disgusting and hung up on him. He called me back eight times before he stopped. By the way, these monsters are off on the weekend so leave a bunch of messages on their lines like I did. I have filed a complaint with the FTC. I'm going to try to file something with the FBI as well. It's unbelievable that these people can't be stopped especially since they are harassing me at work.

I got a call from these people on Feb 14th 2011. they called me on my job saying the that i had an unpaid cash advance with Cash US. Mike Jones, which i thought was strange for someone with that accent. Anyway he told me that i was being sued for bank fraud, money laundering and something else. He tole me to be quiet while he read the law suit against me. out of panic and fear i agreed to settle. However i used a prepaid debit card which gave me time to research them. Your stories have been helpful. I have contacted the FBI and legal services.

The same thing happened to me the same people called me 2 yrs ago I told them off and they eventually stopped calling. They started calling me again saying the same thing they are saying to other people. One is officer Don Smith the other is Attorney Michael Richard it shows up as an international # on Caller ID [protected] but the leave call back #'s in CA or New York . I spoke to the attorney HA!HA! today and told him to call my attoney he got mad then I told him he would be in big trouble the same thing he left on my voicemail if he called me again. I am reporting them and have s every voice mail.

This company also called me and said that they were going to have me arrested and said that they had my fingerprints and their investigation team would be at my door the next morning. They knew my name, address, name of my bank and my last employer. They were saying that I took out a holiday loan and never paid it back and it was for thousands of dollars. I immediately called my bank and told them about it and then I called the state troopers and made out a report. These people need to be stopped.

This should not be surprising, the same this IS happening to me now ! I received 15 calls yesterday saying hte same thing. They are going to sue me, have me fired from my job and put me behind the jail LOL ! They would make sure I would never work again and may God have mercy on my soul! The calls have started again this morning( 3 so far) saying the same thing that I owe 497.00 and they are going to sue me ! Wants me to give them a pre paid credit card # with money on there to pay off the account. I ask them to fax me info showing I took out a loan (date & amount) and they said that they were not allowed to do that ! The badly speaking man that has been calling is supposedly Attorney David Cook with Morgan & Morgan or Officer Neil Johnson ( yeah right) the number they are calling from is [protected], suppose to be in Huntington Beach Ca. I can not pull up that number or loaction for so called Morgan & Morgan. I am calling the FTC & BBB in California. These crazy people need to stop and get a REAL JOB ! It always sounds like a call center and everybody saounds the same. It reminds me of the commercial on TV bout the Credit Card company saying ' This is Peggy" when its a really ugly man ! LMAO ! Hopefully they will be stopped soon. There is no telling how much money they have scammed out of people that they have scared and intemidated ! May God blessd their souls. !

i have read all the postings and it happened to me 2 days ago -i have a loan with a company which i paid in full every time i use them - i did filled out the online loan app (basically they find a company that will give u the loan) where i included all my personal information (ssn, name, dob, employer info and bank account). so this male with and accent (middle eastern) left me a v/m at work, he wanted me to call him back right away with my attorneys information because they were filing charges againts me. i called them back and a female with the same middle accents answer the phone, it was hard to understand her, but she said tha i defaultd on a pay day loan, the loan was for $300 and now its about $1000 plus. i told her that i have not done such a thing and that all my pay loans are paid off. well i guess that did not help the matter, she transfered to another male who said that they were going to send the sheriff to my door and arrest me, that i would not have a job and they will ruin my credit if i did not take care of this. i was on the phone with them for an hour fighting my case, they even call my friend who i listed on the app as a reference!. at the end i told them they were fraud and h/u. i notified my employer of them in case they call. now they call my cell every day but i dont answer. and yes they said they were from Morgan Law firm calling from [protected] (euless, tx). im glad im not the only with this problem that needs to stop.

I received threatening calls from them saying that they were going to sue me. They kept calling my work number and demanding to speak to my supervisor. I was given the fake name of Neal Watson. After I wouldn't give them to my supervisor, they told me that there would be an investigation on me and they would get back to me. They called from the number [protected].These people must be stopped

I have been getting these phone calls off and on for a couple of weeks. They even call my employer. The man I've been getting is Alex green or Alan white. does anybody else think thats obvious.

the numbe they are calling from now is [protected] and the guys name is Elwin Peters or so he says...These guys are full of it...when I asked what adress they have on file for me they laugh and hang up. SCAM...but they sure did scare the crap outa me.

this is the biggest scam ive known. i have called the police and repported them. the harrssment i have faced and ive even lost work time and money, dont compare with the embarressmentive have face with being called every name even cursing at me. saying im worthless piece of... so please dont let first states attorneys office or the so call morgan & associates law firm extort money from u its a crime!

if you are contacted by a maorgan and associates do not tell them anything contact www.ic3.gov . to file a internet compalint and you local police department. need to somehow spread the word about this scam so no one else is called or threatened

i am tired of them calling me at home and at work. i called the ftc. i have changed my bank account and aslo my home phone number. i have paid them the 150 dollars by prepaid visa( before i knew it is a scam). now they are wanting 189.00 . i am behind in my payday loan but they are claimingg to be one i am behind in and also threatening me with action in court. how are we going to stop them by other people. i didn't know of this and i am sure it is not wery well known. somehow we need to get the word out -possibly by a news station or newspaper.

I checked my daughters cell phone (12 year old) which I do about once a month and heard all these threatening voice mails from "Morgan & Associates. I had taken out a payday loan a few years back but I knew it was paid. I called the number back [protected]) a heavy far eastern accent guy named get this..Stan Wilson answered and gave me the 3rd degree. As I was talking to him my wife was pulling the company up on the computer and that instant I let him have it! I call them back daily and repay the harassment to "Stan Wilson" I call and say hey can I speak to my man Stan they know the voice and instantly hang up. I then called and said hey my name is Jacque Mehoff (sound it out) and stated I have a message that I owe a debt..I said I am trying to buy a house and dont want any trouble. This dummy says yes I have a subpeona right here for you Mr. Mehoff...at that instant I unleashed they caught the voice and hung up after calling me a few black M.F.'s. I dont encourage anyone to do the same but it felt good to me..also I call from numerous lines using *67...I give 'em the blues...

Just received a phone call and voicemail from "Morgan & Associates Law Firm". The guys name is "Roger Smith". He read my social security number in whole to me, and my address and bank account, I denied any of the information. I told him he must have the wrong person. I am now calling to place fraud alerts on my social security number with Experian, Trans Union and Equifax. These people pray on weak people, they try to scare you by yelling at you, and intimidate you into paying them money that you don't owe. If you get a phone call from a person who is speaking in an indian or arabic accent and is denying information to you and yelling at you, please know it is a major scam! Don't buy into it, but do take appropriate measures to protect your identity.

Kenny Rogers called? These people are silly. They ask for your last 4 of your social security # because the 1st 5 are provided by sites such as "Accurint." I really cannot believe these people are in business. The whole bunch of them need to be prosecuted. And the question is, where did they get the information to call to begin with? I believe a payday loan employee gave it to them. But I have no proof.

They called my husband at work and on his cell phone. They thretened him using the same tactics all the other posters have commented on. The guy told him he had 400 lawyers; that would come after him. My husband said he had 1000 lawyers and hung up. I called the number - it was answered by someone who could barely speak english and said he would transfer me to their law offices.
TheLaw Offices answered the phone with - again in broken english. I identified myself and asked for thelaw firm; name and address as I needed to send them a request for documentation on this loan. He gave me the name Morgan & Assoc, but would not give the address. The firs time I asked, he said my address? I responded that I needed the address of the law firm. He just kept saying dont (actually no you dunt). I told him if he was an atttorney, he evidently didnt know that laws very well because there the Fair Credit Reporting Act has rules creditors must abide by. I then told him that I was going to report him to the Attorney General and asked if this was a good number for them to contact him at. He hung up on me and we have not been bothered since.

I did report it, but all the Attorney General did was put it in their files.

Well, just another post added to the MANY compliants about " Morgan & Assoc ". I received a phone call today from some HEAVY Indian speaking numbnuts. The # is [protected] . I was left a message and told that I have a outstanding payday loan and because I have not contacted the loan company with 21 days of them calling me, I was being sued. The first thing I did, was look up the so called company. I called them back and decided to play along for a little while. I let them give me a "docket #" and yada yada. They then transfered me over to the "payment department" ( HAND OVER PHONE: MUMBLE MUMBLE MUMBLE ) this is the payment department, can I help you? LMAO! I then asked for them to send me paperwork about this matter and that's when I was told that they can not do that and I nust settle this matter NOW! I then informed them that I was looking at the FRAUD reports as we speak and I was told: I DO NOT LIKE YOU DOUBTING ME AND TOMORROW YOU WILL BE VERY SORRY! and that's when they hung up. They called right back and left no message. I then called them back and said I was MARK GOLDSTEIN from Goldstein and assoc and I was retained by "insert my name here" and I needed a mailing address, so I could send them legal documnets for a lawsuit against them for fraud and harrasment. LMAO AGAIN! I was told:I can not give you that info cause I will be fired. I "Mr Goldstein, lol " was then asked for my mailing info so I could be sued by them ;-) then they hung up. Feel free to e-mail me at dmsomuchstuff@aol.com if you wanna talk about it: somuch-stuff.com sry could help but add it, hope nobody gets peeved!

I got a call from Shawn Woods. Same basic thing as the rest of you. I was threatened with criminal charges for a loan I never took out. They said they had proof of an electronic transfer but could not mail me any information. I was able to get Shawn Woods to give me his California Bar License # and when I looked it up with the California registry it belongs to a different attorney in California. Are they breaking some sort of law by giving false information?

i to got quiet a few calls two days ago, very thick accents, i called back because they said i had done criminal activity, and was going to get federal charges aginst me.. told them i would wester union the payment and was informed to make it to a diana ngyuen in houston tx, asked why not to the company and was informed in law suits a court appt clerk accepts the money and transfers to companies owed.sounds way fishy, i work where we do western unions., looked up their phone and it is a cell out of north carolina, called back and asked for address asked why told them so i could mail a payment instead gave me 5463 kingkad ave pittsburgh pa 15422, googled it doesnt exist, when i asked who to make it out to they said they already gave me the info. asked to send me my original debt info they said they couldnt becasue it was in the law suit and my attrny should know that, told them makes no sense and im sure they wouldnt mind if we checked with the better bussines bureau and hung up, called them back after reading these post and asked for thomas cook, the guy answereing said hold for attrny cook, i could hear in background him telling someone who i was looking for, david cook got on and i said may i speak with thomas cook, who thomas cook yes mam this is thomas cook. told him who i was and why they want me to western union to tx, calling from north carolina, address in pa doesnt exist, i live in utah and i have contacted the bbb, the atty general etc, and not to call back. funny they called 10 times in 1hr the first day and i have not had a call back since..so glad i did not pay, i have used payday loans in past and thought maybe i owed somehow, they sure di d scare me, i was stressing how to get the money, i really thought they could charge me with fraud and id be in jail. the phone number they used is [protected]..they said they were officers and attorneys with morgan and associates

These people called me a few months ago and I had my husband listen to the conversation. We told them we knew it was a scam and we were reporting them. They called me again today and I argued with the guy, told him he was a scam and I gave him my attorney's contact information. He said he had proof it was legit and affadavits, etc. I told him to send me the information and he told me he couldn't do that. The number they called from was [protected] and they said they were from Morgan and Associates.

Same Here. No need to tell you what you all already know. Of course this is a scam. I did verify this is indeed a scam by speaking to an FTC representative. It would not surprise me if some of these so called "payday loan companies' that anyone of us may have applied to on-line, turn out to be the culprits themselves. Those of you who have applied on-line have experienced the same thing. You fill out an application, and within a very few minutes, your E-MAIL is bogged down by HUNDREDS of these compnaies, who, as it tunrs out, are NOT lenders, but "brokers" who BROADCAST all of your personal information to multitudes of companies, who themselves, NEVER turn out to be lenders, but again "BROKERS' who, if you 'complete' your application again, as it appears you are instructed to do in order to COMPLETE the process; in order to FINALLY get your loan, are doing nothing but recycling your application to another list of "Brokers" and so it goes. Occasionally there are actual "lenders', who operate OFFSHORE lending operations, who are therefore EXEMPT from US LENDING LAWS. (see my note at the end of this writing please)

FIRST: (and this is going to take some time ) UNSUBCRIBE to everyone of these e-mails that you get; DO NOT COMPLETE ANOTHER FORM! You will see or should have seen the disclosure on each, and everyone of these applications that you receive in your E-MAIL, that begins with "We Are Not a Lender ect... this disclosure is USUALLY not found UNTIL you reach the SECOND page of your applcation, but sometimes this diclosure is on the FIRST page, at the bottom, and in TINY PRINT. LOOK for this DISCLOSURE. If you see it DO NOT COMPLETE this applcation. YOU WILL BE OPEING yourself UP to SCAMMERS and FRAUD ATTEMPTS if you complete it. (Please see my note at the end of this writing)

These people are, in FACT, NOT LENDERS but are gatherers of information that MOST will turn around and SELL, to such SCAM organizations as those who we have all gotten phone calls from.
Of course the scammers pay these brokers for this information, because they have KNOWN PEOPLE, especially Senior Citizens, or those foks who have STRUGGLED for a long time and are timid because of their credit history, WHO WILL PAY UP. Our own TELEVISION NEWS CHANNELS have reported such scams as having been SUCCESSFUL, thus these scammers keep it up, as they have been told that people fall for these scams.

SECOND- Do report ANY information, no matter how trivial you beleive it to be, to the Federal Trade Commission (FTC). DO NOT report it to your LOCAL Police Department, UNLESS you have been THREATENED with PHYSICAL HARM, or that your checking or savings account HAS BEEN illegally, or fraudulently tapped (stolen from).

THIRD- DO access your checking and Savings accounts everyday to see if there are TRANSACTIONS YOU DO NOT RECOGNIZE. IF you see ANY TRANSACTIONS, NO MATTER HOW SMALL (these crooks have been known to run transactions through a persons account, ( a paper draft, similar to a check, however it is a similar item that is processed by your utility company, mortgage company, and other creditors that you may be paying by ON-LINE transaction, or you have established an ACH DEBIT (automatic debit, paid each month, by your authorization, on a specific day each month to a creditor) in order to avoid being lte or even being troubled to remeber to pay it on time each month. I personally ran into BIG PROBLEMS by allowing certain creditors to be paid by ACH (automatic) payment each month and so I WILL NEVER SET UP AN ACCOUNT to be PAID THIS WAY AGAIN. My Mortgage company (another story) paid themselves more than once a month, abusing their privilege so I ENDED it for everyone.
ANYWAY, thee CROOKS WILL run similar looking documents through you bank or credit union, but in small increments such as 16.21 or 29.32, however they will do this on successive days hopng that it does NOT RAISE a RED FLAG.
If you see transactions like these and you DO NOT RECOGNIZE the transaction and NO ONE in yor family, who is an authorized signer on your account has NOT made a purchase in these amounts, IMMEDIATELY, SAME DAY, CONTACT your FINANCIAL INSTITUTION and REPORT these TRANSACTIONS as FRAUDULENT. This process will be time consuming, but necessary. For example, my Credit Union requires hat we complete a STATEMENT of CHECKING ACCOUNT FRAUD, call the police and file a report of Checking Account Fraud with the police, once we have the report from the police, we MUST include the CASE Number on the Statement of checking acount fraud, AND we MUST have our SiGNATURES NOTORIZED, then if you bank or credit union is NOT LOCAL (ours is not) we must FAX the SIGNED, NOTORIZED, form to our CREDIT UNION< that same day, unless it is a weekend or Holiday, then we MUST make a copy for ourselves and MAIL the original to our CREDIT UNION.

What our CREDIT UNION WILL DO. 1. They will RETURN the draft (check looking thing) UNPAID (not debited or subtracted from your account balance). You will be advised that the draft (check) has been returned to who ever was trying to pay themselves from your account. They will also advise you that if the party who was NOT PAID from your checking account DISPUTES that the DEBIT (check) was NOT a FRAUDULENT transaction, then that party MUST SHOW PROOF that the DEBIT or check thay attempted to have paid from your checking account is LEGITIMATE. IF THEY DO SNED SOMETHING SHOWING your Bank or Credit Union that it WAS LEGITIMATE, YOUR Bank or Credit Union will HONOR that transaction and PAY the party. I PROMISE YOU that IF INDEED it was a FRAUDULENT TRANSACTION, these CROOKS WILL NEVER DISPUTE your claim of fraud.

Once you have filed this with your BANK, also file this with the FTC (FEDERAL TRADE COMMISSION (ON-line at ftc.gov) with the FBI(ON LINE at fbi.gov) the FBI websit may refer you to your LOCAL FBI WEB SITE to file a dispute as well.

THEN, File a report with the SECRET SERVICE at secretservice.gov. The Secret Service handles Credit Card and any Financal fraud or Theft.

NEXT, your Financial Institution will advise you to close that account and open a new one with them. A lon as the crooks have your OLD ACCOUNT information, ANY transaction they attempt to process through your OLD account WILL be returned as UNPAID, Account CLOSED.

This is where you may have more work to do, for example, IF your paycheck or Social Security Check is Direct Deposited and you HAVE NOT advised your employer or Social Security or ANY other DIRECT DEPOSIT Situation, that you have OPENED a NEW ACCOUNT, these DIECT DEPOSITS will be REFUSED and SENT BACK t the Sender (payor). Make CERTAIN you contact all DIRECT DEPOSIT SITUATIONS and GIVE THEM YOU NEW ACCOUNT INFORMATION. Do NOT PANIC if for some reason your Direct Deposit was returned. Yes, it will delay your money getting to you on time, however if you Contact the Social Security Office IMMEDIATELY after not having received your funds, they wil do ONE of TWO things at YOUR REQUEST. They will have to wait unitl they receive the payment back from your Financial Institution, (about two to three days later) and then 1. They will MAIL you a REPLACEMENT CHECK or 2) they will re-deposit your check to your NEW ACCOUNT. Option Number TWO TAKES 10-15 DAYS.
NOT: to EXPEDITE your process with the Social Security Office, CONTACT your CONGRESSMAN in your DISTRICT, tell him what has happened and your funds will get to you even faster. AMAZING !
Be certain to contact anyone, ( ie.life isurance premiums, the electric or gas company, mortgage company, ANYONE AND EVERYONE that you have set up Automatic payments with (exept for payday loan companies) OR ANYONE and EVERYONE that you may have SCHEDULED a ONE TIME PAYMENT TO and GET YOUR INFORMATION CHANGED ! PRONTO !. If for some reason your payment may have already processed to your OLD Account, call the PAYEE and tell them what happened. Be prepared to pay them Immediately with your NEW ACCOUNT Information, and ask then to reverse ANY RETURN CHECK FEE, Under the circumsatnces and IF you are polite and courteous during your call, they will forgive any penalties or retunr check fees. Even Credit Card companies become kind in this instance, however be prepared (and NICE), should they ask for PROOF (fax then a copy of the CHECKING ACCOUNT notorized Statement of Fraud tht you had to file to your Financial Institution. BE NICE BE CALM and everyhing will work out IN YOUR FAVOR.

One more thing, (well two more including my important note that follows_ Even if the Scammers or Crooks have NOT attempted theft from your checking account, yuo MAY WANT to OPEN A NEW CHECKING ACCOUNT ANYWAY, because you KNOW they already have your information, especially if YOU APPLIED for a PAYDAY LOAN ON-LINE. Do explain to your financail institution why you feel it is important to close and re-open a new account, this will avoid any RED FLAGS that could be posted to a new account.

YES, this is a GREAT DEAL to have to DEAL WITH. NEVER, NEVER, NEVER complete a LOAN APPLICATION of ANY KIND ON-LINE. (UNLESS you KNOW the COMPANY, such as your BANK ) that you are doing business with and ON THEIR SECURED WEB SITE.

GGOD LUCK, BE SAFE
NOW HERE IS the important NOTE I ant to share with you.

IF YOU are in a position of needing a short term loan (a/k/a/ PayDay Loan). There are LEGITIMATE COMPANIES with FREE STANDING OFFICES (an ACTUAL BUSINESS LOCATION), that are LICENSED by your STATE and who MUST FOLLOW US LENDING LAWS as well as YOUR STATES LAWS. Face it today MOST of US are LIVING PAYCHECK to PAYCHECK and occasionally we ned a helping hand. It is NOT comfortable for some of us to turn to our families at times like these, we tunr to what ever source we think may help us. PLEASE DON'T tunr tothe internet for help in these situations, even if some of the LICENSED payday loan compaine have registered sites. GO to THEM, conduct our business in person. Yes, I know it who be embarassing to many of us if someone we know sees us doing business at a payday loan company. However, I know that these companies MUST follow laws of confidenciality, AND THEY DO. GO TO AN OFFICE ONE TOWN away. Trust me these legitmate companies UNDERSTAND and willwork with you. They LEND without contacting anyone, UNLESS YOU FAIL to PAY THEM BACK, but then THEY TOO are OBLIGATED to FOLLOW the laws of the FAIR CREDIT COLLECION PRACTICES ACT.

GOOD LUCK
WISHING US ALL a PROSPEROUS, HEALTHY, and WISE NEW YEAR

I RECEIVED THE CALL TODAY FROM ELWIN PETERS.. STATING I OWE 565. THEY WERE SO RUDE. THEY CONSTANLY CALLING MY WORK IT IS VERY ANNOYING...BUT I DIDN'T GIVE THEM ANYTHING. I TOLD THEM I HAVE MY ATTORNEY AND PLEASE STOP CALLING...THEY HUNG PHONE UP VERY QUICKLY...

Same has happened to me. One person called from Morgan Associates and another from American Legal. Different phone numbers both with an Indian accent and was difficult to understand everything he said. I found it amusing when he read me my Miranda rights over the phone.

I received a call from these people as well about a week ago and just like eveyone else on here they said the same thing. So i called them back and they of course said there was legal actions aginst me. Of course i didn't believed it so i ased what was the SSN they had and to my surprised it was right, but i told them it was wrong. So they said they would "investgate". Then i go on to tell them they are acammers and they laughed at me and then hung up on me. So about a week later they called me again saying they were investageing my SSN and when they said it, it was the wrong one. Agian i told them i did research and found that they are scammers. So they asked how i know, and i told them the intenet. Well then they hung up on me. So i give a bit of time and all the numbers they used i decided to call back. the one that is [protected] i got a voice mail of some other lady that was actually american and i'm sure it was a ligit number but they had nothing to do with it. Then i called [protected] and someone answered that was Indian and i acted like i was a lawyer and said i was representing my well my self, of course using a fake name. And to no surprise they said they didnt know what i was talking about and that they sold some osrt of lotion cream to help improve my skin and actually offered to sell me some..LMAO, then i called [protected] and again someone answered and didn't know what i was talking about. I guess people don't realize that most everyone has more common sence then they do..LMAO!

i was just told by them that i was being charged with bank fraud and internet fraud and that a federal warrant was being issued for my arrest . i told him to kiss my [censor] they called from [protected]

i just got a call from them stating that first i owed money from a loan i never got and to pay now. then i got a message saying that he was an officer and that i was being charged with bank fraud and internet fraud and that a federal warant was being issued for my arrest what a bunch of [censor]! they called with this number [protected].

Morgan & associatres just called me 2 days again(lillian scott) I"m glad I saw theses comments, so i already know what they're after: stop them in there tracks. They have my ss, cell # & houses# They really scared me, but GOD got my back. These people need to get some real jobs & stop scamming innocent people. May God have mercy on u. God said touch not my annoited & do my Prophets no harm. MS. BETTERTHANBLESSED

I RECEIVED A CALL FROM JULIAN SMITH AT MY JOB AT THAT TIME I TOLD HIM TO CONTACT ME AT HOME NOT AT WORK, HE LEFT ME A CRAZY MESSAGE SAYING THIS IS A LEGAL MATTER AND THEY WILL CALL MY JOB AND DONT CARE IF I LOSE MY JOB. I CALLED THEM BACK 12/7/10 ASKED WHO COMPANY THEY WERE REPRESENTING AND WHAT WAS THIS DETAILING, HE REFUSED TO GIVE ADDRESS OR COMPANY NAME JUST HUNG UP ON ME, SO I CALLED BACK SEVERAL TIMES THEY FINALLY PICKED UP, I TOLD WHOMEVER ANSWERED THE PHONE JULIAN SMITH LEFT ME A VOICEMAIL MESSAGE AND THREATENED ME HE DON'T CARE IF I LOSE MY JOB.I COME TO WORK TODAY 12/7/10 I HAVE ANOTHER MESSAGE ON MY VOICEMAIL HERE AT WORK WHEN I TOLD HIM NOT TO CALL HERE, HE SAID THE SAME THING THIS IS A LEGAL MATTER AND HE WISH ME ALL THE LUCK, THEY ARE TAKING ME TO COURT AND HE WILL CALL MY JOB AND DON CARE IF I LOSE MY JOB OR NOT AND HUNG UP.I FILED A CLAIM WITH FTC 12/6/10

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan. The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General’s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse. In no shape, way or form can you be arrested for non-payment on a consumer debt. Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
[protected]
1155 Northwest 85th Street
Wintergarden, Florida 33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates. Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations. They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone: [protected] / [protected]
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:
http://www.collectionscreditrisk.com/news/rho ... -[protected].html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit. The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives. Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at [protected]."

Bottom line:

Do not supply the callers with any additional information. Inform them you have reported them to law enforcement and hang up. If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond. Look up the local Secret Service branch's information in your area and get in contact with an agent there.

If you ever applied for a cash advance online, your information is out there.
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you. The service is able to tell cash advance lenders if you have existing loans with other companies, for example. Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site. People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.

How to protect yourself:

* Inform your employer. You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously. Advise the callers that they are no longer allowed to call you at work. If they continue to call, document the date and time of the calls you received. Save voice mails left if at all possible.

* Change your number(s). For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted. Let those people know that this is a scam, and they can disregard.

* Use Google Voice. Google Voice is a great replacement voice mail system for just about any phone number you use. Messages can be transcribed and voice mail recordings can be saved as mp3 files.

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers. Make sure when you call you identify yourself so they can start up their script. At any point after they have your information pulled up just hang up. They will then start religiously calling your Google Voice number. At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again. (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently. Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online. With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement. Below is just a sampling of the 30+ numbers that have been used in recent memory.

[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

So can they really do anything to you?

It's not a simple yes or no answer. Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.

So, why haven't they?

Authorization.

Why do you think you are being called so much? Perhaps it is because they like the sound of your voice? No, they have to have your authorization to take any form of payment from you, period. The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past. Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough. A real attorney would take the callers to task and write them off as two-bit con artists. The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe. Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt. See what they say. A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that. That authorization is the only thing these callers are doing by the book, and for good reason. If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution. In about 7-10 business days, you would get the funds returned to your account. Then the scammers would be up against a bank and their team of lawyers and investigators.

Bottom line:

If you haven't paid the callers a dime, don't. If you planned on paying them to shut them up, just don't. Remember - you are not being contacted by a legally licensed, ethically owned and operated collector. Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

http://800notes.com/Phone.aspx/1-646-274-1143/3

I just recieved a phone call today. the called my cell phone 4 times. twice while I was on the phone with them from the same number I called back to contact them as they left a voicemail on my phone. they also called my job. The asked my co-worker to leave a message for me. reffered to himself as Officer Harris and said it was urgent and to call him back at [protected]. When I called them back after I recieved the voicemail, the man with a very heavy Indian accent said his name was Denzil Anderson and that he worked for White and Case and that he was calling to inform me of a suit being failed against me for fraud by a company called Casnet. he gave me a case number of CFI-150781, which i see some of you have been given the same case number in a completely different state months ago. He said that they were going to use me as an example. All this for an alleged payday loan that I recieved in July of this year and never paied back and they alleged that I have been ignoring communications from them. they said they have only been sending emails. nothing in writing. What legitimate business only corresponds with a client by email when there is money involved. well non the less, I never agreed to or recieved any loan which my back statements will confirm. The has to be some crazy scam. They say to settle out of court I will have to pay $554. This is just crazy. Filed a complaint with the State of Florida so hopefully this will not continue. I hope I got a jump on this early since this is the first day they have been calling me. Hope this helps someone else.