dept. of law and investigations collection agency land o lakes, Florida

It doesn't exist except in the fraudsters mind.

These people (Speaking very Loosely) are calling from India (Yes the Nation) and are total Frauds, there are several hundred different reports here alone.

They have somehow gotten names, SS numbers and info from online sources and their entire business is to scare unsuspecting people to "Pay" for a "Loan" that doesn't exist.

They harass, threaten and scare people into paying in a panic before checking to be sure it's legitimate, then as they're NOT in America, they are home free, no recourse, no way to have them arrested.

Thy cannot have you arrested, cannot have "The Police at your door" tomorrow or any day, as they're just thieves.

Every "Officer" that calls is a scammer with a fake, American sounding name and there's no such real person.

They're using a telephone relay so it seems they're calling from america, they're NOT.

A big problem here at Ripoff reports, is reports are cut off around 3 months, so past reports are unreadable,I personally have responded to fifty identical reports.

I am pretty sure that this is related to a cash loan you may have taken out through Cash America. Evidently they are aware of this and have asked people to contact them with as much information as possible. This group evidently stole their data somehow and have been contacting people to pay them instead of Cash America to resolve their debts.

They are in the process of filing a lawsuit against this company for the theft of the data. Your account was not turned over to them for collections so don't send them anything under any circumstances.

If your experience is anything like my friends you have received calls:

1. Threatening to sue you.

2. Calling you at home and at work in an attempt to collect funds even after requesting you tell them not to.

3. In addition they have been verbally abusing employers and friends.

4. Claiming to be law enforcement or giving the impression they are. Honestly I think it is funny to have someone with a thick Indian accent to be associated with law enforcement (usually they just have a mild accent). The biggest tip for me was when they said as a reference I had the responsibility to have my friend contact them. Law enforcement definitely wouldn't state this line. I told them I knew they were just collectors and didn't have to tell them anything.

Good luck trying to get a physical address to send a certified letter though. They will try to get you to either send them the money thru Western Union or have you give them your bank account info.

My friend said they stopped contacting her when she threatened to report them so try that as well.

You have to be proactive on matters like this! NOBODY will do this for you!

The first thing you need to do is pull your credit report from all 3 major credit bureaus. Under federal law, you can get these for free once per year.

You may be a victim of identity theft and not know it, or an account of a family member may have been placed on your account.

Or someone's records may be incorrect. It may be nothing more than an accounting error. Either way, it will not go away by itself.

In any case, you can stop those calls with just 1 letter. Under federal law [FDCPA] you can make a legal request to any third party debt collector to "CEASE COMMUNICATIONS". This letter MUST be sent via CERTIFIED MAIL / RRR. Be sure to put the certified# on the letter itself to prove exactly what you sent, and keep a copy for yourself.

However, BEFORE sending the above letter, send a "Request for debt validation" by the means above. Do not give them any personal info in the letter, and do not sign it.

Give them only your first and last name, your mailing address, and the phone# they have been calling you at, as this is how they identify your "account".

In this letter, clearly dispute the "debt", and demand a complete and fully itemized account history, and a contract with your signature on it.

Do this TODAY, as it will not just go away.

And, STAY OFF THE PHONE!!!