My mom called me on monday, march 23rd saying that she had just gotten a message on her home line from an investigator with bexar county (county where my parents live) trying to get ahold of me regarding a case and left a case number and phone number where he could be reached. I of course was baffled as to what it could pertain to, so i called and a girl answered, "Graham Noble and Associates". I explained what my mom had told me, and gave the extension, X177, and was connected with John Edwards.
Mr Edwards then proceded to tell me that there was pending legal action against me in bexar county from a credit card company that i used to have, haven't had in over 5 years. He told me that the debt was for $4300. I of course was absolutely speechless at this and in the course of our conversation, he threatened that if i let this matter go unresolved, they would put a judgement against me in which they would send sheriffs to my job and home to serve me with papers and force me to appear, and the judgement after all was said and done would total over 10K. They would then seize my car, my checking/savings account, garnish my wages, and put a lien against/suspend any professional licenses i have. Through this all he is talking down to me, belittleing me, pressuring me to make a payment. I asked what kind of settlement he was talking about. He said if i got on a payment plan now, they'd forgive the debt down to $2200, if i didn't make a payment today, they'd seek the full amount, and if i let it go to court, it'd be over $10,000, to which i offered a $50 initial payment and then monthly payments after that, and he actually laughed at me and told me that anything less than at least $525 right now would not be accepted. He pressured me to call family, friends, take out loans, anything to get the money.
After a while, i told him i'd call him back, and as soon as i got off the phone with him, i THANK MY LUCKY STARS i had a copy of my credit reports from all 3 credit reporting agencies. All three of them showed that the account was closed around December and settled in April. After going through some of my old papers, i found a settlement letter that i had received from the credit card company to which my dad paid the settlement, and wrote the amount, date and check number on the paper. I called mr edwards back to let him know about this fact. I asked him to verify the address of the original creditor and he said the address was in universal city, tx. BOGUS, the company is in south dakota, my PARENTS live in universal city. I told him about the credit reporst i was looking at saying the debt was settled and he got all irate and told me that i had to fax all this info to him before he'd believe it. So i faxed him the credit report info with all the pertinent info highlighted (everything else covered up of course!!!) that night and called him the next morning. He said he did have the fax, but they were with administration and he was just waiting to get them and review them, he'd call me back. Rest of the day went on, no response.
The next morning around 930 i get a call from a blocked caller id number, and it's ANOTHER guy calling about the bill, doesn't identify himself, just that the info i faxed him was not for the account they're trying to collect on, it's from the same company, but apparently i had 2 cards with them. I said how can that be, if one is on my credit report, how come the other card from the same company isn't on there? He said that by law all entries pertaining to the lawsuit have to be removed from my report 366 days before the judgement so that's why its not on there. We argued back and forth for a while, he kept asking how i wanted to resolve this, all the while threatening me with jail, wage garnishment, and everything else mr edwards had threatened me with. I told him that mr edwards wouldn't let me resolve it for anything less than $525, and he immediately asked what i could afford. I told him i had offered $50 and he asked how i wanted to set that up.
THANKFULLY i didn't give him any of my info and after more arguing and him telling me i was a deadbeat irresponsible child who should take responsibility for my actions and pay my debts instead of charging up other folks money and then not being mature about it. I told him to go get bent and hung up on him.
After a few minutes he called me back and introduced himself as the deadbeat who has a job and pays his bills, trying to get into it with me. I hung up on him again, and immediately hit the internet, first tracking down who owns the fax number, then searching for Graham Noble and Associates and i found report after report after report of intimidation, threatening messages left for family members, people having money taken out of their bank account unauthorized. I am so glad i did find out that i'm not the only person that they try to scam.
If you deal with these people they are scam artists who search public records and make up cases to intimidate people into paying towards something that doesnt exist. Do not give them any of your personal information, including bank/credit card info.
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