Have you received a phone call from
a so-called law firm threatening to sue you for check fraud? Have they called
you at work and told you that if you did not pay them, they will show up at
your job and serve you with court papers or worse yet, arrest you? Are your
family and friends being harassed and threatened about being sued for
conspiracy to your crime?
These are the most common tactics
used by scheme companies today so that you would provide them with your credit
card or bank account information. They tell you that you need to pay off a
payday loan debt that you supposedly borrowed from a lender online.
Who would not be afraid of these
threats? Most people who receive these phone calls are the ones who did obtain
a payday loan over the internet at some point or another. Let's face it; payday
loan borrowers are repeat borrowers. It is possible that one may forget which
internet companies they actually have borrowed money from. Upon receiving one
of these calls, one might think that they forgot to pay off the lender and now
is the time to pay them back.
It is not so hard to believe these
scammers either. Most will tell the victim that they are collecting the money
to pay off payday loans that they did owe before, or may currently still owe.
99% of the time, they will convince you that you borrowed the payday loan by
stating the same exact information that is typically used to apply for a loan:
your social security number, your bank account number, employer information,
and personal references.
So how did these companies get a
hold of your information if they are not your payday lender? How can you be
sure that this is a scam?
There is no certain answer as to how
these scam companies gather your personal and private information. The process
is still under investigation and may take years to crack.
Majority of the people who receive
these calls are those who do have payday loan debt with numerous companies over
the internet. In most cases, these people are protected by the payday loan
consolidation company they are working with. These companies can easily track
which collections calls are legit or not.
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