On Thursday April 8 I received a call stating that I must return their call or else I would suffer the wrath of the law. This was a notice that if I did not return their call I would be fired from my job and they even knew where I worked. And their collectors would be at my door in the morning. Of course this caused me some alarm because I know my family and I have been suffering some financial issues that we were clearing up so it felt like everything was crumbling around me. I called this number back to find out what it was all about and they started. Basically calling me a thief and a terrible person who deserved to go to jail for doing something so bad as to default on this payment. I was concerned because I knew of no payments that were not covered. When I ask who the creditor was they got angry and just proceeded to go on about how I did not have a leg to stand on and they were just giving me a heads up they were not asking for any money but their attorney would consider settling out of court. Mark Murphy proceeded to explain that what I needed to do is to write a letter giving them the authorization to charge my debit card for the amount required. I played along and he told me exactly what to write in the letter. Then he told me it had to be notorized and I had to include a copy of my drivers license with the fax. This really was the icing on the cake. Why would they need my Drivers license and social security number to take to a court house to proceed. What was the notary for if they had all this other information. The charges were for $300 plus the $284 in fees. But funny they never could share the creditor and they slammed me because they said they were emailing me and my spam must have stopped the emails. Well I have a word for them. I check my spam for anything that looks important and I never had a deposit or a bounced check on my bank account.
They were to call me back within an hour after he spoke with the attorney and got confirmation that this was approved. They never called me back.
The next day however almost to the minute one day later. This time they finished the message by stating that if I did not return their call I would be fired. Well in today's economy you do not say that to anyone or even hint about it. I pay my bills donate money to charities donate my time to support the youth in my church. I do not need this stuff adding undo stress in my life.
Do not pay these people if you get any calls until you have seen the information showing that you owe the amount of record. Legally they can not do anything unless they prove that you owe them.
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