This company started contacting me about 2 weeks ago. It a man stating his name was Bradley Rhine. He contacted, my sister, my father AND my other sister's husband's MOTHER. I have talked to that lady once in my life at the wedding. I don't even know how to contact her.

He called saying that I need to respond by 5:00 pm or he will be suing me for a PayDay loan that I took out back in 2008. When I called back, the lady said that I could not speak with Bradley, that he is a representative of the county and that this agency works for him. She proceded to tell me that I will be thrown in jail. I stated my rights under the Fair Debt Collection Practices Act and she acted like she didn't even know what that act was, and then because I'm anal I researched all the rights under pay day loans and started spouting off laws left and right about the validity of interest rates, having to be licensed to issue a loan, the cap on interest rates (which is 24%, most pay day loans charge an interest rate of 120% or more) and she told me that I'm not "privy' to those rights. Finally, I asked her to send me documentation that Check Management Services owns that debt, including the original amount of the debt, any interest, fees and charges as well as any prior payments made. She said she would e-mail it over to me but she refused to send it by mail. She sent a document that had the company's address on the top (78 Webster Street, North Tonawanda NY, 14120) and it stated that I owe $1400.00 and that is about it. I proceeded to Google the address on that company and there is no record of a company by that name at that address.

Finally, I contacted a lawyer and he researched the company and said that it does not in fact, exist. Unfortunately, he said that he cannot sue a company that doesn't exist and that I will just have to ignore them until they will eventually stop calling me. I am currently trying to find the person associated with this number. I mean, SOMEBODY has to be associated with it. I will keep updated with any news that I find.

This first started when I received a phone call on my cell phone while I was at work. As I could not answer it, I played the message they left. This person was very rude and said that she was calling about a legal matter and that I had been notified. I was to call this number 877-313-4402 right away. Never left the name of the company and could not make out the name. Half an hour later my daughter called and said that some woman just left a message on her cell phone saying that she was looking for me and that is was important. It sounded exactly like the message I had. Then my friend called in and said that she just got off the phone with the rudest person in the world. She said this woman said her name was Celeste White and that she worked for our local county as an investigator. She said that I had defaulted on a payday loan and that since I had put her down as a reference, and because of that my friend was responsible for the bill now too. My friend got upset and said that was BS and that she was going to talk to her husband about since he worked as an investigator for the local attorneys. She then hung up. I was upset by this time and called the number and just had a machine. I left a message saying I don't know who they are, what it is I am supposed to owe, and I did not appreciate them calling my daughter or friend. I also told them that I had called the local police. 20 minutes later my friend called and said she tried to call them back and the number was now disconnected. I called and sure enough. The next morning I get a phone call from these bozos again and I am fired up now. This same Celeste Long claims I had written a bad check in March of 2009 on my Washington Mutual account. I told her that was impossible as I had not had an account with them since December 2008. She then transferred me to another a male who was yelling at me. I said I had no idea why they were calling. He claimed he was with the Washington Mutual fraud department (funny as WAMU was bought out by Chase Bank in October 2008) and that I had written a check for $900 and I am facing serious charges of bank fraud, internet fraud, and some other charge. I said did not have an account with them. He then transferred me to another person who told me his name was Todd Williams and that he was calling for Check Management Services about a payday loan I took out in November 2008. I told him never took out a loan and he said I had and that I am facing some serious charges. I asked him to fax me the paper work and he said they could not, he would email it to me instead. I waited for 5 days and nothing. In the meantime, I called the court house and they have never heard of these people and I have no charges pending. I also checked my credit report and also nothing. Low and behold these people called again this morning. I told her I am not buying it and that it was a scam. She said no it was not and asked if I had received the paperwork. I said no. She then went on to say I was facing some serious charges, I told her that I was taping our conversation as I had called the local police, AG's office, FTC, and BBB. She then hung up on me. Right after that I did indeed get a letter from them stating that they were in North Tonawanda, NY emailed to me. I Googled the address and they could not find the address that was listed on the letter head. When I Google mapped, it shows up as an empty lot. So beware of scammers like these.