Nov 2, 2011
Received a call from this number, from 'Candace', claiming to be from a law group "WCCI" (I think she said Weinburg Cochran Colson Irwin-she spoke very quickly & I had to ask for the information at least 4 times). Stating I owe $1660 from a loan - claims it's from Namakan Capital - if so, this could be a payday loan, and the last I made that mistake was April or so 0f 2009). said she could "get me a settlement" for $455, but if it's not paid by 5 PM today, I will be arrested, face fines, possibly put in jail for 2 years, etc. I spoke with an attorney from www.creditlaw.com - she said they do not deal with payday loans, but offered the following: 1) payday loans are ILLEGAl - so whether they loaned me the money or not, they have no recourse for collection. 2) the collectors must be licensed in the state where they are trying to collect (I can't find any info on this "firm" except for negative reports on blogs like this! 3) attorney told me that I am NOT to send them any money 4) they are obligated under the law to send me something in writing, and it must be via US mail - I have even asked for something in e-mail yesterday, and they have yet to send it 6) Document everything - do not engage them when they call; save voicemails, especially if they threaten 7) report it all to your state attorney general.
I am so thankful I did not already send them money. I can't wait for her to call me when she doesn't receive the money today-she expects the cash to be wired, and I am supposed to call her with the receipt number. The fine lady at www.creditlaw.com also said to tell them I have contacted legal counsel & the AG office. I am also so thankful I found these blogs full of complaints - I know I am not the only one out there being screwed over & threatened. And I caught on before I sent the money. Thank you to all who have stepped up & helped the rest of us after you had a horrible experience. God Bless!