Complaint / Review
Smith Dean And Associates - United Processing
Threatening debt collection with warrants if not paid in 3 hours

My mother recieved a phone call for me in New Jersey, an address I haven't lived at for 6 years, from a guy named David Baker with Smith Dean. I called David Baker and I was told that EZ PayDay hired them to collect a debt owed and if I didn't send him $295.00 by 4pm via MoneyGram Express from Walmart he would have a warrant issued for my arrest for 2nd degree felony fraud. I was told that he did a background check on me and found nothing too outstanding.

When reading me the directions on how to fill out the form, he told me that I can put a slash next to Smith Dean and write United Processing and put it to the attention of William Dean.

First of all, they shouldn't be allowed to tell my mother anything since it is not me and second of all, EZ PayDay holds your checks like a promissory note and that is not punishable.

Unfortunately, I got scared and sent them the money. Now reading other posts about this company I think I was scammed.

Now what do I do? That is a lot of money to someone who is unemployed.