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I received calls at work and on my cell phone from this company. They claim that they did a search on the internet under my name and social security number and discovered that some pay day loan company, which I never heard of, deposit funds in my bank account my EFT, and when they supposedly attempted to recover the funds, they were unable to do so. Now this payday loan company has supposedly filed a law suit against me. The person on the phone was offering to help me resolve this lawsuit but when I pointed out that I had not obtained a pay day loan, no funds were deposited in my account and he was obviously running a scam, he got nasty with me. He threatened to have someone show up at my home and my place of work then hung up on me. What is scary is that he had my work and cell phone numbers as well as my social security number. I don't know what other information he might have!
Company Business Name: United Legal Services
Country of complaint: United States
The complaint has been investigated and resolved to the customer’s satisfaction.
It's a scam. They have hacked into private information or bought it somehow. Make sure you don't give them anything.
Yes, These people called me as well, stated that they will send sheriff's to my home of a Debt 25 Years ago, that I never heard of, and I will be sued in the court in which now I reside? They also had all my personal Info, Scary! I told them I don't acknowledge any debt of 25 years ago and that is illegal to try to intimidate demand payment, or have to go to court, (TRUE OR NOT IT'S ILLEGAL) or that they had sent a so-called letter that was never received, therefore call your Attorneys generals office as well as the Fair Credit Reporting Agency, if they continue to harass, make a police report as well because of the nature of the threat and intimidation tactics. No judge should even entertain a Dead or Reaper debt Threat, don't entertain their calls and know that they call by spoofing with your area code. Their number is a [protected] They Called from a spoof number of [protected] number as well as they are very unprofessional, unethical in their practices.
You're absolutely right to be cautious. In the U.S., debt collectors are generally prohibited from suing or threatening to sue over time-barred debts, which are debts past the statute of limitations. That time limit varies by state and type of debt, but it's often between 3 and 6 years, though some states allow longer periods 25 years is well beyond any statute of limitations for typical consumer debts in any state.
Threatening legal action on a time-barred debt may violate the Fair Debt Collection Practices Act (FDCPA) If they claim they sent a letter you never received, that doesn’t prove you acknowledged the debt or restarted the statute of limitations.
You have the right to dispute the debt and request that they stop contacting you. You can even send a written “cease communication” notice.
If they persist or escalate, you might want to speak with a consumer rights attorney. You could also file a complaint. When debt collectors pursue payment on a debt that’s past the statute of limitations, especially using threats or intimidation, it’s often referred to as “time-barred debt collection”. If they go further and use deceptive or aggressive tactics, it can fall under “unfair, deceptive, or abusive acts or practices” (UDA AP)—a violation of the Fair Debt Collection Practices Act (FDC PA)
Zombie debt collection: Trying to revive old, expired debts that legally can’t be enforced
FDC PA violations: Includes threats of lawsuits, misrepresentation, or harassment over time-barred debts.
Deceptive practices: Claiming you owe a debt without proper validation, or pretending legal action is imminent when it’s not allowed.
If they’re threatening court action or implying consequences they legally can’t pursue, that’s a serious red flag. Want help identifying whether what they did breaks the law
REMEMBER ! Zombie debt collection: Trying to revive old, expired debts that legally can’t be enforced.