Shane, be aware.  I was called from this number by someone named Michael Anthony from Johnson and Assoc.  He said my name came up in a fraud investigation, and that it kept coming up, so he had questions for me.  My heart immediately fell to the floor.  I had no idea what it was about.  After we played phone tag, I finally got him this morning, then he transferred me to a Mr. Patrick, I believe.  They both spoke English, and did not appear to have a U.S. regional accent.  He said they were in Washington, but I asked why he had a TX number.  He said, "I'm from Washington DC and I'm just taking care of a couple cases in TX for a few days."  He said I took out a loan from CashNetUSA in 2009, that I had been notified several times by them, and after being transferred from office to office due to my non-compliance, my case was now on the desk of an attorney's office.  He said he was going to have me charged for felony check fraud.  Worthless check fraud, or something like that.  I immediately hyperventilated.  I've never been in trouble.  Never.  I don't want to run from debts.  I want to pay them.  But I've been unable to.  You get to the point where you are nearly hopeless and just put the bills in a drawer.  He told me to calm down and give him a statement that I didn't not intend to defraud anyone and that I'm not a criminal.  So, through sobs, I gave him that statement.  We lost our home in 2008, and I remember getting several small loans just to get us emergency housing.  We lost everything, so I didn't deny to him that I took out the loan, but I can't remember that specific one.  Any non-compliance was really that I was so overwhelmed with bills, it just fell by the wayside.  I explained to him that losing our house helped in causing my divorce.  So, he basically said he'd talk to my creditor to see if I could qualify for hardship.   He came back on the phone, saying that I needed to pay $985 in two hours, or he was filing criminal charges.  He also said I owed a total of over $5,000.  I told him I couldn't do it.  He said to make it happen, or else.  Told me to ask family, friends, etc.  So here I sit, gut in a knot.  Waiting to be prosecuted.  I called the state financial department, and they said it was a scam.  I called CashNetUSA, and the rep there said it was a scam.  I called Ancor One, who is supposedly the last one to handle my account before Johnson and Associates, and they have not returned my call yet.  I still feel scared.  Yes, I know check fraud is a felony.  I have bounced checks in the past.  I have past due loans.  My finances have been in shambles.  But did I mean to defraud anyone?  No way in hell.  Shane, best of luck to you.  I say to please report what happens to you to your state financial department.  I felt a suicidal thought for a split second.  I am managing to pull myself back up and continue the rest of my day at work, but it's been very hard to not just start crying and leave.

281-552-8875 Says he is Michael Anthony from Johnson and Associates.  He threatened me with felony check fraud for a $400 from 2009 that I completely forgot about.  He is demanding that I pay $5000 ($985 today) or that he is going to prosecute me.  I have called state offices here, they laugh, and say it's a scam.  But these people are really scary.

I meant $400 payday loan from 2009.

The more I call in, the more I'm starting to think it's a collection agency. I called the number last night, and a woman answered. I don't know-are law offices typically open on a Friday night at 8 pm CST? I just don't know. Then, I called this morning, and man answered with, "Processing."  I can't find a Johnson and Associates Law firm in Houston, either. I'm just going to stop answering their calls, pray that those were just an attempt to scare the hell out of me (mission accomplished), and work on getting right financially.  I've been in survivor mode for 5 years now.  I was married to someone who thought I mismanaged our money, but we didn't have money. We were trying to support two families-our family here and his family in Mexico.  He insisted on sending anything "extra" down there, and then he would order me to get the bills paid over the phone while he sat there to make sure I did it.  He would call the kids and I spoiled brats because we had food and clothes, yet he was paying for weddings, funerals, and a new house for people down there. We lived in squalor while he played hero.  So, we eventually lost our home. To avoid being homeless, I took out payday loans. What a mistake, but you'll do anything when you're desperate.  5 years after all that, I'm still paying on loans I got after divorcing him, and doing the single parent thing. It just snowballs. I'm done just surviving. I now am with someone who is teaching me how to handle money, and how to make wise financial decisions. So, at tax time this year, I paid off a couple old debts. I've contacted old creditors, letting them know that I don't want to stiff them. I'm finding that even offering $50 a month seems to make things better. It's going to take time, but I'm going to right my wrongs. And yes, I even want to pay CashNet back!!!!

I read your posts and I am praying for you. This is definitely a scam they called me as well threatening to file 2 felony charges but became upset and basically cursed me out when I asked for their company website and the name of the company. They are just jerks preying on people. I also called after hours and a guy answered Processing I think thats part of another scam they have after 5.When I called before 5 they answered legal service,any other company will answer with their company name. Don't worry about getting in trouble its not going to happen. I called the police dept. and I have no warrants they are just trying to scare people so they can make a quick buck off of you. I would suggest filing a police report and placing an alert on your credit since they do have your info to protect yourself, also file a with the FTC you can do that online and the TX Attorney Generals office. Best of luck to you! God Bless!!