Titan Financial KMA Law, Kincaid Mischler Associates, LLC, Loan Link KMA, LLC KMA Payday Loan Debt scam

On Jan 31, 2019, received a call from a number that I later checked online was for Dallas County Court Number One, from someone claiming to be a process server and he had paper to serve me for a law suit and he wanted to know if I would be at home around 4 pm. I asked him what the suite was for and what where the details. He stated that he cannot open the papers and give me detail, but gave me a phone number to the parties filing the suit.

I called the number and got a person named Roger Harris. Mr. Harris informed me that suite was for a old payday load, that I failed to pay over four years ago and I owed $947.93 for a $300 loan. The amount included interest and fees for collecting. He had my personal info and at first it sounded creditable. So I went ahead and agreed to make payment arrangement with a prepaid debit card, by Friday 02/08/2019.

I went to a place and got a prepaid card and called him back with the info for payment to be made by the 8th at 4pm. I asked a lot of questions for info on the company he worked for and he gave me the name of KMA Law and where the company was based and stated they owned several location across the nation. I also asked to have a letter or email of the documentation on the debt.

He emailed me a doc that looks like an official company letter of the collection company, but it only had the info on the agreed payments of a $100 a month. The info about KMA and the company processing the payment Titan Financial, as well as another company name Loan Link KMA LLC. After doing some online research I found no info on Kincaid Mischler Assocoates. KMA Law has a web site, but most of the info did not match what Mr. Harris shared with me.

Loan Link is a company that went out of business in 2011 according to Bloomberg. I called the number the process server called me from and the court clerk or personnel, stated to me that NO process server calls from that number and they have received similar inquires about someone claiming to be a process server calling from their number. I believe the number was spoofed in order to seem like a legitimate call.

I hurried up and closed the prepaid card and block all numbers listed in the emailed doc and the number I called Mr. Harris on. On the morning of 02/08 at 8:53 am, I received a voice mail from Mr. Harris stating the card had been closed due to loss or theft. As I stated before the payment was suppose to be made at or after 4pm on the 8th. They tried to get a payment before the time requested.

Most of the phone numbers I Googled were linked to a payday loan debt scam or no info at all. Doing research on Titan Financial has revealed a lot of scam reports from these people. These people are able to somehow get info from payday loan places on old loans or even if you filled out online info on payday loans and use it to rip you off.