My parents were contacted at their home (which I haven't resided at in over 12 years) and told that the gentleman, Mike Davis who identified himself as a process server was looking for me and I needed to call back immediately as their was pending legal action against me.
My parents called me in a panic giving me the information to reach the process server. I called the 877-717-9946 number immediately which was answered by Debra Jones (which stated she had been with the company for 15 years). They asked me to verify information that I absolutely refused to give and was told that a process server was going to be coming to my house and documents had already been filed with the courts. She told me that I had actually already been mailed paperwork and that they were not required to send documents via certified mail when I questioned her. We went back and forth for a while and basically scared me to death telling me if I didn't make arrangements immediately that I would have to go to court and my charges would be somewhere between $5k-$6k. I am a single unemployed (at the moment) mom and doing the best I can so I wanted to work with them after they were able to give me information on the account they were calling about and I was able to verify that it was an old debt that I might have owed (the company name was familiar to me).
I was told that I would be able to save $500 on my total debt if paid by August 15th. She would not send me a written notification or any information until I gave them my credit or debit card information. Which, unfortunately I did because I felt I was going to have to deal with a court case and would have had to pay a ton of money to get this taken care of. I was also promised that upon payment of this debt I would see my credit score increase by 10 - 15 points - which I have been working hard to build back up after a messy relationship breakup ruined my credit.
My mom heard a report on Clark Howard about this scam and told me to check it out. So I googled them and this site came up quickly - thank goodness! I was getting ready to sign and return the paperwork and send them money! Fortunately I was able to notify my bank and no charges from them will be accepted.
I don't know what can be done to stop this from happening to others, but I consider myself pretty savvy and I fell for it, so I hope this will help others be warned!
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