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    I Need Some Help

    Warning: Long

    Well there is nothing I like more than something slimy oozing out from beneath a rock.

    Friday I had an odd message on my answering machine from a Mr. James Cameroon (949-743-1140) asking for my attorney information so he could fax some avidavits to my attorney. The caller was quite insistent that either my attorney or myself return his call, or as Mr. Cameroon said, "Good luck" at the end of his call. I immediately called the number and reached someone from India (I believe, based on his accent) calling himself Michael Robinson, stating that he represented Hopkins Law Firm. The dude told me that he needed my attorney's information. I asked him why. The jerk told me that he needed to fax information to my attorney regarding a pay day loan.

    I told the jerk that I had filed Chapter 7 two years ago and all my debts were discharged and that it was against the law for him to be trying to collect on the debt. Mr. Know-it-all stated that he did not see where I had filed BK and that I was still obligated to pay the debt.

    I was pissed by now and told the guy that I was going down to the court house and was going to file a complaint. The jerk hung up on me so I called him back. He started yelling at me to listen to him and I told him that he had best listen to me since he was in violation of the Federal BK Laws.

    He yelled at me to shut up and listen and told me that he was not trying to collect on the pay day loan because the loan was still waiting to be disbursed! WTF? I was speechless. I asked him, You are trying to collect on a loan that I never received? He again asked for my lawyer information and I told him I had filed pro se in June 2005 and that I was discharged in October 2005. I thanked him for giving me his phone number, name and law firm. I also told him about the "threat" I had recorded on my answering machine and he told me I was a liar.

    I ended the conversation by telling him that he could go suck a duck since he was trying to collect on a debt that was discharaged through bankruptcy. I hung up.

    I am not having any luck trying to tie this phone number down to anything. At one time I had the URL to a web site with phone numbers of shady companies hiding behind "anonymous" phone numbers. Does anyone have that URL?

    As a side note: I do remember a long time ago checking out a payday loan place that was being serviced outside of the US. I was horrified at their repayment plans and told them I was not interested in the loan. I received numerous calls asking why I was rejecting their payday loan. I suspect this is the same company. THANK GOD I changed checking accounts before I filed for BK.

    #2
    Could be a scam. Watch it. If you cannot trace the number you don't know who you are dealing with. Remember, bankruptcy filings are public information. Anyone can go into the courthouse and get listings of names and addresses of people that file BK. They can then contact you with all sorts of stuff after your discharge (i.e., car loans, whatever). My favorite term in this economy is "The Sharks are Trolling the Waters." If there is a buck to be made somehow, they will make it. If I were you, I would call your phone company and see if it is possible through them to trace that call if you think it is linked in any way to anything discharged in your Bankruptcy. The area code is for Southern California. You can always get your phone number changed to alleviate the problem also cause they sure do have it now. Just be careful and do not divulge any personal information to anyone you do not know.
    _________________________________________
    Filed 5 Year Chapter 13: April 2002
    Early Buy-Out: April 2006
    Discharge: August 2006

    "A credit card is a snake in your pocket"

    Comment


      #3
      HI KAM,
      Better Business Bureau may be able to help you trace who this company is..... might be worth a shot in the dark.

      Otherwise, I wouldn't worry about it......

      If this was included in your bankruptcy, and probably was, tell them when they call again that your attorney will be filing suit for them violating the federal laws of trying to collect a debt (if there was actually one) that was discharged in bankruptcy. Also tell them to send you some documents showing where you signed for such a loan!! You need proof!!

      Better Business Bureau/or Attorney General can track phone numbers that we can't and have access to company information that we don't.

      I wouldn't let this bother me much....... if you have too contact your attorney about it, but I think you filed pro se, didn't you??
      So try the Better Business Bureau and Atttorney General if you did.....

      Keep us posted...
      Minny

      "It's amazing the paths that our feet sometimes follow in life".

      My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

      Comment


        #4
        Yep, I filed pro se. The only thing that urks me is that he rattled off my SSN AND he left two messages on my work answering machine. I think this group is trying to rattle people who defaulted on pay day loans and my application was sent right along with the rest. It is kinda funny though -- attempting to collect on a debt that doesn't exist!

        I think the next time they call I will be really nice and ask for all of their information, or give them the fax number for the PD or bankruptcy clerk?

        I would still like to have the URL for the listing of numbers though

        Comment

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