This company first contacted me on Friday, 12/28/12. They told me that "legal docs" would be delivered to my home on Wednesday, 1/2/13 and that if I was not home, they would be delivered to my place of employment. They called MANY friends and relatives and shared this personal info with them.
Today, 1/3/13, no one showed up at any address to deliver any papers. Although I was pretty sure that this was not a legitimate company, I called the number back to inquire why no docs has been delivered. I was informed by someone named (or calling himself) David Kendrick that his office had no knowledge of any server action. I said "oh, ok" and hung up. He then called me back, at my place of employment, to inform me that papers HAD been tried to delivered to me, but that they were unable to reach me at my home address. This was a lie. I know that no papers were sent to me. He went on to inform me that he had discovered that my work computer had been used to commit fraud against a lending institution and that he had to follow protocol and inform my employer of this "malicious act". He went on to state that he can see from my credit report that I am a "person of very low character". He also threatened to contact my manager at work directly to inform him/her of what a poor employee/person I am. I have all of this taped in a voicemail that he left for me.
By his own admission, this so called debt dates from 2008, which places it beyond the PA statute of limitations. Further, it is in reference to a "payday" loan, which is not even legal in the state of PA. With all of that said, even if this IS a legal, valid debt, this company has not provided one shred of evidence that the amount that they say I owe is true. I have honestly never even heard of the company that he references, and I do not to the best of my knowledge have an outstanding debt with them.
I contacted a lawyer, but although this company has broke NUMEROUS laws, it is almost impossible to file suit because they hide their true identities. He recommends that 1) you do not engage them, as that is what they want 2) notify your employer that a scam artist is trying to get money from you just in case they DO try to contact them 3) file a complaint with you state attorney general 4) file a complaint with the Consumer Protection Agency and 5) contact your local police office to see if they will take a complaint.
I have done ALL OF THE ABOVE. I used to have perfect credit but in the past few years have made many mistakes that now leave me open to attacks from bottom feeders like this. I guess I now know how the other half lives. :) However, I am still a decent person and I will not allow myself to be taken advantage of by these lowlifes. I have encountered quite a few, but this is by far one of the worst! Don't let them scare you and don't give them a cent!