Erick schniederman Sent me an email saying he was from the US Department of Justice and he is suing me for an outstanding payday loan that he claims I have defaulted on.  New York Internet

I just finished filing my reports with all 3 of the resources in your message.  Thank you so much for assisting me in my effort to stop this individual from illegally threatening consumers.  And the quick response to my situation is greatly appreciated.  I will keep my report updated with any action taken.

Thank you again!!

Connie,

I can sense the fear and desperation in the tone of your post. PLEASE, take a breather and understand you have nothing to fear (in regards to anything this letter alleges)! Let me first express my disappointment that you EVER allowed yourself to become involved with a Payday loan service. However, I do understand and appreciate how desperate situations can compel us to act against our best interests. Personal difficulties create scenarios, where we cannot utilize safer and more conventional methods to meet our needs. Predators like Payday loan services very existence depends on preying on people suffering these personal difficulties; the ones less likely to be able to know better.

But I digress, back to your letter. This has got to be one of the best examples I have ever seen, of an amateurish (grade school level) attempt at strong arm intimidation tactic. Let’s set your mind at ease, by picking this piece of rubbish apart; it will be very easy for the layman to do.

1. There is NO U.S. Department of Finance!

   This idiot violated federal law, by fraudulently claiming association with a non-existing government entity, with the express intent to intimidate you!

   consumer.ftc.gov/articles/0149-debt-collection

   False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

• falsely claim that they are attorneys or government representatives;

• falsely claim that you have committed a crime;

• falsely represent that they operate or work for a credit reporting company;

• misrepresent the amount you owe;

• indicate that papers they send you are legal forms if they aren’t; or

• indicate that papers they send to you aren’t legal forms if they are.

   

1. Again, this idiot violated federal law! ANYONE threatening legal action against you, MUST SERVE YOU IN WRITING. Email does NOT meet the legal requirement, for informing individuals of Threat of impending legal action.

   consumer.ftc.gov/articles/0149-debt-collection

   Debt collectors also are prohibited from saying that:

• you will be arrested if you don’t pay your debt;

• they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or

• legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

   

1. “legal action taken against your name from our site”

   Seriously, what the hell does this even mean? No one can take legal action against a NAME; they take legal action against a person, party or entity. ALSO, In regards to their “site”, what site? Where is this site? Why is “site” used as a location reference, as opposed to Office or Department?

   Because, this clown is a fraud and KNOWS he is making this trash up as he goes.

    

2. As you have correctly observed, the rest of the fluff in this idiot’s message condemns him as a fraud.

   This moron doesn’t even bother to use a word processing program, to avoid spelling and grammar mistakes.

Connie, you are very correct when you state, “somebody needs to confront this individual, and stop him from doing this! Since you are one of his victims, you should take it upon yourself to fight back! You are not alone, all you need do is sick the dogs on him. By that, I mean to let the government show this guy what they think about phony impersonators of government representatives.

From the links (both are the same) I provided above, you will find the helpful information, telling YOU who you contact, to report clowns like this. (They also provide direct links to the agencies they refer to)

“Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.”