FTC CONSUMER ALERT:
National Legal Services
San Antonio, TX
From information obtained from the Texas Secretary of State Division of Corporations phone number 512-463-5555, there is no company using the name "National Legal Services" registered in the State of Texas as a Corporation, Fictitious Name or a Business entity of any kind.
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them.
So what's the story from National Legal Services calling from 210-892-1235 in San Antonio, TX;
A). I got calls to my job as well as home from this number with threats of legal action and restraining orders. Was given a number to call and a complaint number to give to our attorney. Called the number recording stated “National Legal Services” all that was on was music no answer from anyone.
B). 210-892-1235 I got a message from National Legal Services also that thy were going to send me a subpoena in the mail for a loan that I never took out., and that I owed money over $1000. What a scam..Caller Company: National Legal Services 210-892-1235, see http://www.phoneharassment.com/phones/search/
C). “National Legal Services” calling from 210-892-1235 appears to be linked to or working for "Pay Day Loan Corporation", legal counsel told us this is scam and that they are now getting more aggressive trying to get money out of people that have or have had Pay Day Loans OR IN SOME CASES NEVER HAD A LOAN!
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number.
A caller may be a fake debt collector if he:
1). is seeking payment on a debt for a loan you do not recognize;
2). refuses to give you a mailing address or phone number;
3). asks you for personal financial or sensitive information; or
4). exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency or have restraining orders filed as National Legal Services will claim.
If you think that a caller may be a fake debt collector file a complaint CLICK HERE:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
For More Information; The FTC has several publications and videos about dealing with debt at ftc.gov/credit, including:
3). Dealing with Debt Collectors SEE VIDEO CLICK HERE
Visit ftc.gov/moneymatters for short and practical tips, videos, and links to reliable sources of information on debt collection, credit repair, job-hunting and job scams, vehicle repossession, managing mortgage payments, and foreclosure rescue scams.
The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues CLICK HERE or call toll-free, 1-877-FTC-HELP (1-877-382-4357).
Watch a video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Bill Warner Sarasota Private Investigator, SEX, CRIME, CHEATERS & TERRORISM at www.wbipi.com