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Home > Ask The Get Out of Debt Experts > I Think I’m Getting Calls From a Phony Debt Collector With Pay Day Yes. – Cindy

I Think I’m Getting Calls From a Phony Debt Collector With Pay Day Yes. – Cindy

“Dear Steve,

Hi Steve … I’ve written to you previously regarding a different matter with the Cash Store.

I had another pay day loan a few months ago (maybe 6 months) and had to default on it due to unforeseen household repairs. I made payment arrangements to pay them a reduced amount every 2 weeks and once my balance reached $100.00 I had to ask if I could push the last payment out for another couple weeks; I never heard back from them.

Not until about a month ago and they called and wanted to settle the remaining $100.00 balance. I immediately called them back to set up the payment but no one returned my call. Today I receive a call from my ex-husband saying that someone had called with a case # looking for me and left a number for me to call.

The name of the original lender was Pay Day Yes; and apparently they sold off the account ($100) and instead of these people calling me directly (they have all my contact I nformation) they call my ex mother-in-law, my ex sister-in-law and pretend like they’ve been unable to reach me and also indicate that the processor has been trying to serve me.

I’m so sure that all of this is bogus they’re pretending to be a law office and intially they were asking for $286.00 which I told them I would not pay. and then the lady acts as though she can get with the attorney to try to reduce the amount and then we go from $286 to $200 down to $150. I tentatively agreed to the $150 contingent on her sending me something in writing.

This just makes me so mad that these people are allowed to used these deceptive practices and they just get away with it. I’m willing to pay what I owe although this would be an additional $50; but since I believe this is a collection company posing as an attorney’s office I’m tempted to refuse payment since this amount is not the valid debt amount that I owe. What do you suggest?

Thanks

Cindy”

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The Answer

Dear Cindy,

On one hand it sounds a bit like a previous question I answered, A Debt Collector Keeps Calling Me From 212-500-0839 And Says I’ll Be Arrested. – Lavern. These calls seem to be generated from some list of people that once had payday loans or cash advance loans.

But, since you did have an outstanding balance not all that long ago it has the faintest chance of being legit.

Can you give me the telephone number they told you to call? Did the person that called have a foreign accent?

Call them back right now and ask them for their mailing address so you can send your request in writing for them to verify this debt. Tell them you need a street address so you can send your request by express mail to track the letter and get their signature of receipt protect your rights.

Let me know what they said in the comments.

Big Hug!

I Think Im Getting Calls From a Phony Debt Collector With Pay Day Yes.   Cindy
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • René Hernandez

    I’m getting phone calls from a company by the same of “Continental” I asked for something in writing and they said they couldn’t give me anything.  I tried reaching out to the original debtor to verify who the debt was sold to to buy me some time but didn’t hear anything.  I made payment arrangements thinking that they were legit, so they took $150 out of my account.  But when I couldn’t make the following payment, I reached out to them.  No call back for several days until they realize that my payment didn’t post.  So again we have to supposedly make payment arrangments and again I ask for something in writing before I give them my payment information.  They EMAIL me a phony template and said that have to go that route to avoid people forging the letters or some BS.  I’m pissed.  One for how naive I was and two for this company to be harassing me the way they have.  Yes they threatened me too with the processing claims.

    • http://GetOutOfDebt.org Steve Rhode

      Thanks for sharing this. Do you still have that email they sent you?

  • dallastiger

    I awoke on October 21st to a phone call from my mother. My mother stated that my brother in another city had received a call along with my parents stating that the SSA group (South Shore Associates Group) claiming to be a process server, was trying to serve me court documents. Being an attorney, finding me is not that difficult. Why a skip trace? Anyway, I called with the “court case ” number they had given family members and got a nasty woman who says I had to give her my bank routing number and account number to pay a debt that was not theres or mine before they would even identify who they were. I asked if they were a collection agency. They stated “no.” They then stated they were a “recovery service and NOT a collection agency. Well according to records on file they ARE. They are not following the “Fair Debt Collections Practices Act” and properly identifying themselves as well as letting anyone they are calling know that “any and all information given will be used for the collection of a debt” as required by law. All of this in the guise that they are a “recovery service.” I had my paralegal investigate and quickly received all information on this company. I have filed a complaint with the Attorney General’s office in New York and Texas. I also filed a complaint with the Better Business Bureau of New York. The SSA Group is in violation of federal law and also can be sued in civil court for damages. If anyone else has this experience make a complaint immediately. Fire back and do not be intimidated by this illegal outfit. File all complaints immediately with the BBA and the Attorney General’s office in your state and New York where they reside out of. Send a Cease and Desist order to SSA as well and send it certified. You can hire an attorney to write this letter for as little as $100 dollars. Funny thing is you have to remember that the person on the other end of the phone has a high school education as well as probably having worse credit then the people they are calling. I gave this outfit my bar number and was told I was not an attorney by the rep! Well I guess they found out. LOL Dont put up with their BS! Again, they came after the wrong guy today who was NOT the guy they were actually seeking. Be pro-active and report these law breakers!

  • dallastiger

    I awoke on October 21st to a phone call from my mother. My mother stated that my brother in another city had received a call along with my parents stating that the SSA group (South Shore Associates Group) claiming to be a process server, was trying to serve me court documents. Being an attorney, finding me is not that difficult. Why a skip trace? Anyway, I called with the “court case ” number they had given family members and got a nasty woman who says I had to give her my bank routing number and account number to pay a debt that was not theres or mine before they would even identify who they were. I asked if they were a collection agency. They stated “no.” They then stated they were a “recovery service and NOT a collection agency. Well according to records on file they ARE. They are not following the “Fair Debt Collections Practices Act” and properly identifying themselves as well as letting anyone they are calling know that “any and all information given will be used for the collection of a debt” as required by law. All of this in the guise that they are a “recovery service.” I had my paralegal investigate and quickly received all information on this company. I have filed a complaint with the Attorney General’s office in New York and Texas. I also filed a complaint with the Better Business Bureau of New York. The SSA Group is in violation of federal law and also can be sued in civil court for damages. If anyone else has this experience make a complaint immediately. Fire back and do not be intimidated by this illegal outfit. File all complaints immediately with the BBA and the Attorney General’s office in your state and New York where they reside out of. Send a Cease and Desist order to SSA as well and send it certified. You can hire an attorney to write this letter for as little as $100 dollars. Funny thing is you have to remember that the person on the other end of the phone has a high school education as well as probably having worse credit then the people they are calling. I gave this outfit my bar number and was told I was not an attorney by the rep! Well I guess they found out. LOL Dont put up with their BS! Again, they came after the wrong guy today who was NOT the guy they were actually seeking. Be pro-active and report these law breakers!

  • Cindy

    I received a voice mail today from Ms. Clark w/SSA Group in repsonse to my request for their physical address or to send me something in writing to validate this debt. Her response was that they do not provide this service since they are not a billing office and it’s just a matter of company policy. They have way too many customers to accomodate my request. My only option she says, is to pay the $150 or handle in court. ???

  • Cindy

    Their telephone number is 877-286-0394. Additionally, the day I spoke with her I asked her to mail me a letter to validate the debt.

    • http://GetOutOfDebt.org Steve Rhode

      Cindy,

      I called the number and they told me their name was South Shore Associates but I could not find anyone by the name, all they would tell me was they were in New York.

      Next time they call, ask them for their address so you can send a dispute letter over this debt in writing. When you get the address, please post it for me to research.

      Very odd.

      Steve

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