Thank goodness for iPhones!
Posted on December 17th, 2011 @ 9:32 pm

My computer is dead. It will be a few more days before I can take the next step. Until then, my phone and my family’s computers must do for me.

Today, I got a scam phone call from 1-987-654-3210. I knew it was a spoof, but I answered on the off chance the system screwed up an ID of a family member’s phone as it has happened before.

No, it was some scammer using VoIP from India trying to scam me. Idiot told me my computer was hooked to his company’s Internet server. Well duh, that’s how the Internet works. But my computer, being down, couldn’t be. I told him he had the wrong number.

Apu was not going to be deterred. He started trying to comfirm my name and number. He started with my last name. I told him he had the wrong number. He wanted me to give him the correct name. Oh no. Not my job or obligation to give it out, especially to something that screams fraud on my Caller ID. And I told Apu as much. Then he goes and tries to comfirm my address. Again, I denied it.

At this point, Apu starts calling me a liar. I yelled at him I didn’t appreciate him calling me to scam me and calling me a liar. I hung up on him.

I shouldn’t have answered the call, but all day I have been laughing and saying “Ma’am I think you are a liar.” It’s also one more scam I have spotted and can tells others about so they won’t be scammed as well.

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Life · Scam Alert

They’re Back!
Posted on September 13th, 2011 @ 7:21 pm

Ok, so the “process servers” (my ass!) that prompted my Don’t Treat Me Like I’m Stupid post called me again today.  This time, they used yet a third name, but a name nonetheless that has been listed in my prior research.  This time, as soon as “Amy” said who she was with, I laid it all on top of her that I knew the names were related, that I have told them not call me again, and that I wasn’t talking anymore.  I guess as she was trying to continue the script, I hung up.

Tomorrow, I will be calling the phone company to see what next I have to do for harassment complaints.  I’ve contacted a FDCPA lawyer, but since it’s a scam, a fat load of good that will do me.  I am keeping my own records of their calls and what has been said, or attempted to have been said to me.

The sad thing is with 2 of the names the used, they had the same return phone number!  And with 1 of those names and the new one tonight, they have the same website.

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Life · Scam Alert

Don’t Treat Me Like I’m Stupid
Posted on September 8th, 2011 @ 11:46 pm

This is a video related to the debt collector, or now as I see them, scammers:

Link to original story: Unscrupulous Debt Collectors

Seems their MO is to call relatives first to get the relatives in a panic. The trick then depends on the panicked relatives to talk the mark into calling back and settling the debt.  They tell the relatives that they are about file a lawsuit on the mark.

You see, they called me as the relative to get into a panic.  Problem was, my sister answered the phone and did get into a panic.  She called me to ask what was going on and that a lawsuit was threatened.

I was the wrong mark to call.  You see, when I was younger, I worked for a bankruptcy attorney.  As a result, I learned the basics of the Fair Debt Collection Practices Act (FDCPA).  The lawsuit that was threatened?  Not really a big deal.  Wages can be garnished; bank accounts frozen, but no one is going to jail. It’s not the worst thing in the world.  So, after I spoke to my panicked sister, I took the phone number and started some research.

I called the number.  They gave me a name and a website.  That was enough.  I started research the name and came across this website entry: Fake Process Servers Work Hard to Scare Money Out of Consumers.  And the information provided in this one entry was enough for me to feel as if I was was being used as a pawn in a scam. Once I relayed the information to my sister, she calmed down.

I thought when this originally happened, that would be the end of it.  No, it hasn’t.  They called me two other times.  Both of those times, I told them to send on the paperwork, but I knew the case file number they were claming to lawsuit was not a legitimate case number in my state in the two possible counties it could be in.  I got irate with the callers, even screaming at them.  At this point, I don’t care.

If they really were collecting a debt, then they are violating the FDCPA.  Most reputable debt collectors know when you mention that act, they need to shut up.  Violating that act could mean a lawsuit and them having to pay me $1,000.00  They are in the business of making money, not losing money.  This outfit that called me didn’t seem to give a crap.  And also, other information they provided to me, did not ad up.

I called an old friend from my bankruptcy days.  She’s still in the business and had never heard of them.  In that industry, you know the major players by name.  I still can still recognize a creditor to this day just by return address when I get credit card offer.  If neither one of us had heard of these people, then of course I need to be a little weary.

But after seeing the above website and news article, I am furious that such a scam is occurring.  And sadly, there are people out there that aren’t aware of the protections the FDCPA provides them.  So, not that many people will read this post, but I want to spread the word.  You do not need to be afraid of a debt collector.  There is a law that provides you protections and comfort.  A decent debt collector will obey the law in pursuit of the debt.  They are not going to risk a $1,000.00 violation.

Even if you aren’t in debt, get to know the law.  It may save the sanity of someone you love.

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Life · Scam Alert

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