Report: #1380361

Complaint Review: Roy Carter or Mike Johnson - Internet

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Ripoff Report is Xcentric Ventures

Submitted: Wed, June 21, 2017
Updated: Wed, June 21, 2017
Reported By: MaatMia — Tulsa Oklahoma USA

Author Confirmed

Why?

Roy Carter or Mike Johnson Internet USA

Phone: 956-255-8974
Web:
Category: Lawyers

Roy Carter or Mike Johnson or Attorney Mike Johnson or Attorney Roy Carter Cash Advance Lawsuit Internet

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I received an email from a supposed attorney claiming a lawsuit was being filed for Cash Advances. I had used and unfortunately defaulted on a payday loan years ago for $200 and this email listed several lenders claiming they are all owned by the same company, when I saw the name of the company I used I became curious and began to research this email.

A few things tipped me off that this may be a scam:

1. The name shows up as Roy Carter in my inbox

2. The name in the email is different than the name that shows as the contact in my inbox: Mike Johnson

3. The email is: attorneymikejohnson105@gmail (I do not know of any reputible attorneys that use an email such as this

4. Being served via email...

5. The wording of the email is pretty good but if you read it well enough you catch on to some odd word usage.

6. The Miranda Rights are paraphrased, what attorney would do that?

7. When I google the names and the email nothing shows up. When I searched for Cash Advance lawsuit, I found another Ripoff Report about this same email just with different names. And this other person also supposedly owe $950.

8. The email claims that many well known payday loan companies and another 350 companies are actually all the same company

9. The threat of having a lawsuit filed and thrown in jail and credit ruined etc,,,these are extreme threats...

10. They claim they monitered my internet activity etc...

11. And lastly the fact that they give you a one day warning...

I have copy and pasted the email below omitting my personal info:

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Cash Advance is a client of ours, and we are going to be representing them in future legal proceedings.

The charges with Cash Advance pressed on you are:

1) Violation of Federal Banking Regulation

2) Collateral Check Fraud

3) Theft by Deception

The affidavit states that (my name)was monitored online using the e-mail address which is my email address in order to solicit funds from a restitution which is owned and operated by the Cash Advance who owns and operates more than 350 online cash websites, web portals and many of the sub lenders are working for them (Ace Cash, Speedy cash, Cash and Go, LendUp, Cash net USA, US Cash, Cash Advance). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for electronic funds transfer.

When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFT’s were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.

Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.

Now this means just two things for you:

1.) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case.

2.) If you have any prior convictions including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.

This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments againstyou, it is because you have kept your employer’s name as a security and also as an additional security two more names were used.

Finally, you have the right to hire an attorney, if you have one or if you cannot afford one then one shall be appointed toyou. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is $9710.23 excluding your bail charges, your attorney charges and the due amount pending on your name.

Finally, your name and Social Security Information would be reported to the three major credit bureaus of USA such as,

1.) Equifax

2.) Tran union LLC

3.) Experian

Ultimately it would be affecting your FICO scores by 85 negative points and your social security number would be black listed and you would also never be eligible for all the government benefits and entities.

According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally on June 22 ^nd, 2016 then these charges will be reflecting on your Credit Reports because of which it will be very difficult foryou to get a new job in future.

Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department on June 22^nd, 2017 at 11.00 am as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is $950.00

If you are willing to settle it out of the court you can surely respond positively today itself. There shall not be any further correspondence via email. You can contact the number listed below.

If you have any questions, don’t hesitate to contact us at (956) 255-8974

Sincerely

Michael Johnson

Tel.: (956) 255-8974

Confidentiality Statement & Notice: - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. Ifyou received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

This report was posted on Ripoff Report on 06/21/2017 10:59 AM and is a permanent record located here: https://www.ripoffreport.com/reports/roy-carter-or-mike-johnson/internet/roy-carter-or-mike-johnson-or-attorney-mike-johnson-or-attorney-roy-carter-cash-advance-l-1380361. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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