Unsure it this is legit or not; claims to be a rep from a law office, in debt collections. All sounded legit but payday loans are illegal in my state. so am liable to pay the loan amount but not the $95.00 fees every two weeks. Locked up my bank acct. doing this huge, high fee thing. And it's illegal to charge that much as it is a payday loan and is illegal in NC. Have heard if I pay the loan co. even $10.00 monthly a judge wont force you to pay more as I am making payments. Fail to make any payments, then they can file legal issues in your county/state and get a judgement to pay both the loan amount and their legal fees/costs to get a non paying loanee to pay it all, even if it's still over a long period of time but now there's whatever is thelimit of court costs added to them. Pay them, the company that loaned you the money, pay them as much as you can even if it's only $5.00 or $10.00 month. and Dont skip ever their payments. That's your protection. Unless you win the lottery and keep paying them the $5 / $10 month!

You're making me dizzy with what you "have heard" your duty is when you've ignored the legal duty of your debt collectors. If you have evidence of any conduct which breaks state or federal law, STOP TRYING TO PAY, already! You don't even know if the supposed debt lawyer is just another high school dropout whose only degree is "B.S."

There are *two* parties in this matter who can become a plaintiff, you know. In payday lending you're not really dealing with an honest industry to begin with. Do your homework and fight back.

Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/guidance/supervision/manual/fdcpa-narrative/

Terrible harassment and threats that are illegal

Received a threatening message from 716-242-5209.  Did not sound legitimate and the call was not for me.

ID themselves as Oracle Financial.  Claiming that "oh no, we're not debt collectors, we do all sort of things, but not debt collecting"  Right.

http://www.oraclegroupllc.com/

ID themselves as Oracle Financial.  Possibly this group:
ORACLE FINANCIAL GROUP LLC
Oracle Financial Group
1885 Harlem Rd, Buffalo, NY 14212
(Also used for United Portfolio Servicing)  Google maps show a grungy old warehouse.
Toll Free: 844-215-0812
Local: 716-768-0015
________________________________________

NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through February 20, 2015.

Per records of the New York Secretary of State:

Selected Entity Name: ORACLE FINANCIAL GROUP LLC
Selected Entity Status Information
Current Entity Name:    ORACLE FINANCIAL GROUP LLC
DOS ID #:    4014771
Initial DOS Filing Date:    NOVEMBER 02, 2010
County:    ERIE
Jurisdiction:    DELAWARE
Entity Type:    FOREIGN LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
ORACLE FINANCIAL GROUP LLC
1885 HARLEM RD
SUITE 200
BUFFALO, NEW YORK, 14212
Registered Agent
NONE

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