Edward Walker & William Smith stating they were with American Legal Processing called stating I had an outstanding loan with them, said it was taken out by Cash Net America...even called my friend & theatened legal action against her, he also called my employer & threatended them as well.

I had a man by the name of Frank Turner called saying I have a law suit pending and he had all my information. He was calling from American Legal Processing, he wanted to to call him back, he said my name and address was block by the US government and I needed to talk care of this for anythng happen to me. He left his name and number. I google them and found out that this was a scam going around. I called back and left a message not to call my number anymore and I will give his imformation to my lawyer. The number he called from was 717-283-1070, he had an Arabic Accent and in the back ground I heard noise like they was in a boiler room with people making a lot of phone calls. PLEASE BE CAREFUL NOT TO FALL FOR THIS SCAM, , , , , , , , , , , , , , ,

They have called me the past 3 days in a row and have left harassing voicemail. The caller is male with very poor English speaking skills. Background noise tells me he is in a call center. His "speech" is obviously being read from a screen or a cue card, and I still had a problem understanding what he was trying to say.
He says I am being investigated for a debt and that if I know what is good for me, I will call him back to settle the "debt", and if I do not, then "...well then I wish you good luck for what happens to you..."
I have blocked the number with my cell phone provider, so I hope they don't call me from another number.

I have received voice mails and conversations with the same man that other consumers have. I have had collection experience for at least 10 years involving first party debt and third party debt. He falls into 3rd party debt collector, and by no means can he threaten anything that he is claiming he can do.

He is so breaking every collection law in the book. When a collector is trying to collect bad debt, he is suppose to say the miranda rights first thing. This is a statement that includes this is an attempt to collect a debt and anything you say can and may be recored. Any collection agency worth anything would keep their business in mind and would have every collection call recorded.

Not just to record the consumer, but to also monitor their collectors. A 3rd party collector cannot tell a consumer (threat) unless they are willing to back it up. You cannot be arrested for bad debt concerning a payday loan, or any unsecured loan, including medical bills. You can be arrested for writing bad checks doing this on a regular basis or in some states if the checks are over a certain amount.

And of course if you owe the debt and it is not current it will be on your credit report, but tha can be cleared up if your having a hard time with money and you for instance get employment where you may have been unemployed which is probably the reason the debt is owed in the first place. You will still have the collection accounts on your credit, but it does look better when it is reported paid in full.

A car loan will never turn over debt to a 3rd party collection agency, they would simply come and repo your automobile. Same thing with a mortgage, the mortgage lender would start foreclosure procedures.

Student loans or any money owed to the goverment they could garnish your wages at your place of employment or they could put a lien on any real property you may have. They are going to get their money one way or the other. But, they would not use a collection agency.

This American Legal processing is going above and beyond the collection laws, and should be investigated. Then have all business revoked.

Unemployed in Alabama