Jun 20, 2014
Per the FDCPA, you should not pay any caller who refuses to mail - do not accept email or fax - proof of debt/proof they have the legal right to collect said debt. Refusal to mail this documentation within five days of their first contact is a violation of federal law. As is threatening you with prosecution - debt is civil, not criminal. And a declined payment on a payday loan is *not* check fraud.
Per Tamianth:
One important thing to remember if these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
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credit reports: Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
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How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List
http://www.ckfraud.org/penalties.html
http://www.ckfraud.org/ucc_highlights.html
http://www.ckfraud.org/depository.html
http://www.consumer.ftc.gov/scam-alerts
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http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf