My daughter was contacted by this company on Friday, October 29, 2010 regarding a check she had written to a doctor's office in 2008. She was called a "white trash thief" and was told if she did not pay in excess of $700 by the end of the day, a warrant would taken out of her arrest.
The name calling and the threat was illegal.
She then contacted the doctor's office, she had long since taken care of the check and they did not call or authorize this company in any way to contact her. They are using some means of finding people that have ever bounced a check and frightning them into paying them money. To say they are rude is an understatement, but some of the methods they are using are downright illegal.
If you have ever been contacted by this company, do NOT pay them anything, until you research the information. In most or all cases I have found, they have no authority to recover and have not been asked to do so by the person you may have written the check to. In addition to that, they are asking for outrageous fees, that are most likely illegal in your state.
If you have paid them money, please contact me @ [email protected]. I am unsure if your money can be recovered, but we do plan to meet with an attorney, and if enough people have paid this company money, he may want to consider a class action lawsuit.
I have been in the collection business for over twenty years, both medical billing and private collections, and I knew right away that the methods they are using are illegal, my fear is that perhaps someone did not know that and paid them the money.
If you are one of these people, contact me and I will advise you to the best of my ability. If you receive a phone call from them, record it. If you receive a letter, copy it and give it to your local authorities, we have been told in our county that the method they used was definitely illegal.
There is also a statute of limitations for any prosecution, and they made the threat to my daughter that criminal prosecution was imminent, clearly a lie, as the statute for that had expired, even if she did owe the money, which she did not.
If they are to collect money from a check that was unpaid, they are required by law to do so only on the authority of the person the check was orignally written to, which was not the case in my daughter's situation. The doctor's office never contacted them, and never asked them to contact her on their behalf.
They are somehow finding people that have bounced a check, as we all may have at some point, but that doesn't mean they have the legal authority to collect the money.
Please do not send this company money until you thouroughly check it out and make sure you owe it. Even if the case may be that you do have an outstanding check, chances are you don't owe the money to this company, and the mark-up they are charging is most likely illegal in your state.
Thank You
Jan Davis

They contacted me by letter stating I did not comply and make payment by 03/19/09 that they would submit to local authorities and would lose the ability to write checks at over 300, 000 retail locations. When I contacted the office I spokewith a Mrs. Bailey and she instructed was a purchase for shoes from a company I have never even heard of. When I asked for a copy of the bad check she instructed me that I would have to get it from the bank account that I used to have 4 years ago that is closed.After review of several different articals online this company seems to be a FRAUD!!!