Payday America ~ www.payloansofamerica.com

Another PayDay Loan operators whose identities are unknown. We are seeing more and more of these.

 

Disclaimer online:
The operator of this website is not a lender nor broker, agent or representative to lenders. We do not make cash advances or credit decisions. Advertising on or though this website does not constitute an offer or solicitation to lend money to you. This website provides a service wherein we collect the information you provide to use and provide it to an independent network of companies including lenders who will pre qualify you for a loan. All financial terms of the loan will be presented to you by the lender directly. For details, questions or concerns regarding loans please contact your lender directly. Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Payday loans are provided for the purpose of assisting you with short term financing to resolve immediate cash needs and should not be considered a long term solution. Please read our terms of service before applying on this website.

Not all lenders can provide you with up to $1000. Often this is dependent upon the state in which you reside and the information you provide to us for the lenders review. Providing your information on this website does not guarantee that you will be approved for a loan. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states and the states serviced by this website may change from time to time without notice. This service and offer are void where prohibited. The operator of this website is a marketer who is compensated for their services as described in our marketing disclosure and does not endorse or recommend any service or product advertised on or through this website.

Address lookup
canonical name payloansofamerica.com
aliases
addresses 69.20.47.213
Domain Whois record

Queried whois.internic.net with “dom payloansofamerica.com”…

Domain Name: PAYLOANSOFAMERICA.COM
Registrar: GODADDY.COM, LLC
Whois Server: whois.godaddy.com
Referral URL: http://registrar.godaddy.com
Name Server: NS.RACKSPACE.COM
Name Server: NS2.RACKSPACE.COM
Status: clientDeleteProhibited
Status: clientRenewProhibited
Status: clientTransferProhibited
Status: clientUpdateProhibited
Updated Date: 16-may-2012
Creation Date: 06-may-2009
Expiration Date: 02-jul-2013

>>> Last update of whois database: Fri, 19 Oct 2012 18:32:48 UTC <<<
Queried whois.godaddy.com with “payloansofamerica.com”…

Registered through: GoDaddy.com, LLC (http://www.godaddy.com)
Domain Name: PAYLOANSOFAMERICA.COM
Created on: 06-May-09
Expires on: 02-Jul-13
Last Updated on: 16-May-12

Registrant:
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States

Administrative Contact:
Private, Registration PAYLOANSOFAMERICA.COM@domainsbyproxy.com
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States
(480) 624-2599 Fax — (480) 624-2598

Technical Contact:
Private, Registration PAYLOANSOFAMERICA.COM@domainsbyproxy.com
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States
(480) 624-2599 Fax — (480) 624-2598

Domain servers in listed order:
NS.RACKSPACE.COM
NS2.RACKSPACE.COM
Network Whois record

Queried whois.arin.net with “n ! NET-69-20-47-208-1″…

NetRange: 69.20.47.208 – 69.20.47.215
CIDR: 69.20.47.208/29
OriginAS:
NetName: RSPC-43353-1081948362
NetHandle: NET-69-20-47-208-1
Parent: NET-69-20-0-0-1
NetType: Reassigned
RegDate: 2004-04-14
Updated: 2004-04-14
Ref: http://whois.arin.net/rest/net/NET-69-20-47-208-1

CustName: Spy-Patrol.com
Address: 6413 Red Heron Court
City: Gulf Breeze
StateProv: FL
PostalCode: 32563
Country: US
RegDate: 2004-04-14
Updated: 2011-03-19
Ref: http://whois.arin.net/rest/customer/C00803437

OrgAbuseHandle: ABUSE45-ARIN
OrgAbuseName: Abuse Desk
OrgAbusePhone: +1-210-892-4000
OrgAbuseEmail: abuse@rackspace.com
OrgAbuseRef: http://whois.arin.net/rest/poc/ABUSE45-ARIN

OrgTechHandle: IPADM17-ARIN
OrgTechName: IPADMIN
OrgTechPhone: +1-210-892-4000
OrgTechEmail: hostmaster@rackspace.com
OrgTechRef: http://whois.arin.net/rest/poc/IPADM17-ARIN
DNS records

DNS query for 213.47.20.69.in-addr.arpa returned an error from the server: NameError

name class type data time to live
http://www.payloansofamerica.com IN CNAME payloansofamerica.com 86400s (1.00:00:00)
payloansofamerica.com IN A 69.20.47.213 86400s (1.00:00:00)
payloansofamerica.com IN NS ns.rackspace.com 86400s (1.00:00:00)
payloansofamerica.com IN NS ns2.rackspace.com 86400s (1.00:00:00)
payloansofamerica.com IN SOA
server: ns.rackspace.com.payloansofamerica.com
email: hostmaster@rackspace.com.payloansofamerica.com
serial: 1241762715
refresh: 3600
retry: 300
expire: 1814400
minimum ttl: 300
300s (00:05:00)
— end —

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Pay Day Loans Available in all states of United States : Alabama , Alaska , Arizona , California , Colorado , Connecticut , Delaware , Florida , Georgia , Hawaii , Idaho , Illinois , Indiana , Iowa , Kansas , Kentucky , Louisiana , Maine , Maryland , Massachusetts , Michigan , Minnesota , Mississippi , Missouri , Montana , Nebraska , Nevada , New Hampshire , New Jersey , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania , Rhode Island , South Carolina , South Dakota , Tennessee , Texas , Utah , Vermont , Virginia , Washington , West Virginia , Wisconsin , Wyoming

Indian Pharma Company – Merril Pharma Pvt.Ltd.

The Purpose of this post is to ALERT you that the job you are about to apply for or may have applied For or is CONSIDERING APPLYING FOR is FRAUDULENT. These job postings are an attempt to lure you into cashing counterfeit checks and have you wire funds via Western Union or MoneyGram. Essentially You Become A Money or RePackage Mule.

  1. Understanding The Cyber Theft Ring
  2. Money Mule Explained
  3. Washingtonpost.com by Brian Kerbs
  4. Interview With A Money Mule

The Identity of Indian Pharma Company – Merril Pharma Pvt.Ltd. Stolen to Recruit Money Mules

UGG Australia ~ www.bottessparis.eu

Fraudulent Website
UGG Australia ~ http://www.bottessparis.eu


Address lookup
canonical name http://www.bottessparis.eu

aliases
addresses 178.33.86.65
Domain Whois record

Queried whois.eu with “bottessparis.eu
Domain: bottessparis

Registrant:
NOT DISCLOSED!
Visit http://www.eurid.eu for webbased whois.

Registrar Technical Contacts:
Name: Domain Manager
Organisation: PublicDomainRegistry.com
Language: en
Phone: +1.2013775952
Fax: +1.3202105146
Email: domain.manager@publicdomainregistry.com

Registrar:
Name: PDR Ltd.
Website: http://www.publicdomainregistry.com

Name servers:
zenc408849.earth.orderbox-dns.com
zenc408849.venus.orderbox-dns.com
zenc408849.mars.orderbox-dns.com
zenc408849.mercury.orderbox-dns.com

Keys:

Please visit http://www.eurid.eu for more info.
Network Whois record

Queried whois.ripe.net with “-B 178.33.86.65″…

% Information related to ‘178.33.86.64 – 178.33.86.95’

inetnum: 178.33.86.64 – 178.33.86.95
netname: CORONGCOM-FR
country: FR
descr: corong.com
org: ORG-UK20-RIPE
admin-c: OTC2-RIPE
tech-c: OTC2-RIPE
status: ASSIGNED PA
mnt-by: OVH-MNT
changed: noc@ovh.net 20120225
source: RIPE

organisation: ORG-UK20-RIPE
org-name: Untung Kuncoro
org-type: OTHER
address: JL. MT. Haryono 160 – 162
address: 50123 Semarang
address: ID
e-mail: admin@corong.com
abuse-mailbox: admin@corong.com
mnt-ref: OVH-MNT
mnt-by: OVH-MNT
changed: noc@ovh.net 20120225
source: RIPE

role: OVH Technical Contact
address: OVH SAS
address: 2 rue Kellermann
address: 59100 Roubaix
address: France
e-mail: noc@ovh.net
admin-c: OK217-RIPE
tech-c: GM84-RIPE
nic-hdl: OTC2-RIPE
notify: noc@ovh.net
abuse-mailbox: abuse@ovh.net
mnt-by: OVH-MNT
changed: noc@ovh.net 20101005
source: RIPE

% Information related to ‘178.32.0.0/15AS16276’

route: 178.32.0.0/15
descr: OVH ISP
descr: Paris, France
origin: AS16276
notify: noc@ovh.net
mnt-by: OVH-MNT
changed: noc@ovh.net 20100119
source: RIPE

This query was served by the RIPE Database Query Service version 1.35 (WHOIS3)
DNS records

DNS query for 65.86.33.178.in-addr.arpa returned an error from the server: NameError

name class type data time to live
http://www.bottessparis.eu IN A 178.33.86.65 28800s (08:00:00)
bottessparis.eu IN A 178.33.86.65 28800s (08:00:00)
bottessparis.eu IN NS zenc408849.venus.orderbox-dns.com 38400s (10:40:00)
bottessparis.eu IN NS zenc408849.earth.orderbox-dns.com 38400s (10:40:00)
bottessparis.eu IN NS zenc408849.mercury.orderbox-dns.com 38400s (10:40:00)
bottessparis.eu IN NS zenc408849.mars.orderbox-dns.com 38400s (10:40:00)
bottessparis.eu IN SOA
server: zenc408849.mars.orderbox-dns.com
email: zencart2011@gmail.com
serial: 2012100603
refresh: 7200
retry: 7200
expire: 172800
minimum ttl: 38400
7200s (02:00:00)
— end —

MyMoneyLeaf – Personal Financial Management

Consumer Alert
Applying for PayDay Loans Online May Be A Risky Business


Consumers are complaining that there have been unauthorized debits withdrawal from their bank accounts.

We at SFA are seeing more and more of these unauthorized withdrawals relating to PayDayLoan websites. This is an alarming trend as all these complaints relates to PayDay Loan Companies i.e. websites.

Contact Us
Email – support@mymoneyleaf.com
Phone: 1-888-337-3154

The Better Business Bureau have identified these PayDay Loan as:

  1. Capital Advance Capitol- (also known as Loan Assistance)
  2. Vantage Funding – https://vantagefundingapp.com/
  3. Palm Loan Advances – http://www.idealadvance.com
  4. Ideal Advance – http://www.idealadvance.com
  5. Loan Tree Advances – https://loantreeadvances.com/
  6. Your Loan Funding – https://yourloanfunding.com/
  7. Pacific Advances –  https://pacificadvances.com/

Address lookup
canonical name mymoneyleaf.com

aliases
addresses 65.254.53.53
Domain Whois record

Queried whois.internic.net with “dom mymoneyleaf.com

Domain Name: MYMONEYLEAF.COM
Registrar: GODADDY.COM, LLC
Whois Server: whois.godaddy.com
Referral URL: http://registrar.godaddy.com
Name Server: NS23.DOMAINCONTROL.COM
Name Server: NS24.DOMAINCONTROL.COM
Status: clientDeleteProhibited
Status: clientRenewProhibited
Status: clientTransferProhibited
Status: clientUpdateProhibited
Updated Date: 02-may-2012
Creation Date: 02-may-2012
Expiration Date: 02-may-2013

>>> Last update of whois database: Fri, 12 Oct 2012 13:41:00 UTC <<<

Queried whois.godaddy.com with “mymoneyleaf.com”…

Registered through: GoDaddy.com, LLC (http://www.godaddy.com)
Domain Name: MYMONEYLEAF.COM
Created on: 02-May-12
Expires on: 02-May-13
Last Updated on: 02-May-12

Registrant:
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States

Administrative Contact:
Private, Registration MYMONEYLEAF.COM@domainsbyproxy.com
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States
(480) 624-2599 Fax — (480) 624-2598

Technical Contact:
Private, Registration MYMONEYLEAF.COM@domainsbyproxy.com
Domains By Proxy, LLC
DomainsByProxy.com
14747 N Northsight Blvd Suite 111, PMB 309
Scottsdale, Arizona 85260
United States
(480) 624-2599 Fax — (480) 624-2598

Domain servers in listed order:
NS23.DOMAINCONTROL.COM
NS24.DOMAINCONTROL.COM

Network Whois record

Queried rwhois.gnax.net with “65.254.53.53”…

%rwhois V-1.5:003fff:00 rwhois.gnax.net (by Network Solutions, Inc. V-1.5.7.3)
network:Class-Name:network
network:ID:523.65.254.32.0/19
network:Auth-Area:65.254.32.0/19
network:Network-Name:Networld-Internet-Services-COLO-5
network:IP-Network:65.254.53.0/24
network:Organization;I:Networld Internet Services
network:Tech-Contact;I:engineering@gnax.net
network:Admin-Contact;I:engineering@gnax.net
network:Created:20040909
network:Updated:20061128
network:Updated-By:engineering@gnax.net

Queried whois.arin.net with “n 65.254.53.53″…

NetRange: 65.254.32.0 – 65.254.63.255
CIDR: 65.254.32.0/19
OriginAS: AS3595, AS16626
NetName: GNAXNET
NetHandle: NET-65-254-32-0-1
Parent: NET-65-0-0-0-0
NetType: Direct Allocation
Comment: ADDRESSES WITHIN THIS BLOCK ARE NON-PORTABLE
Comment: ********************************************
Comment: Reassignment information for this block is
Comment: available at rwhois.gnax.net port 4321
Comment: ********************************************
RegDate: 2003-12-29
Updated: 2012-03-20
Ref: http://whois.arin.net/rest/net/NET-65-254-32-0-1

OrgName: Global Net Access, LLC
OrgId: GNAL-2
Address: 1100 White St SW
City: Atlanta
StateProv: GA
PostalCode: 30310
Country: US
RegDate: 2003-08-29
Updated: 2009-07-31
Comment: ADDRESSES WITHIN THIS BLOCK ARE NON-PORTABLE
Comment: ********************************************
Comment: Reassignment information for this block is
Comment: available at rwhois.gnax.net port 4321
Comment: ********************************************
Ref: http://whois.arin.net/rest/org/GNAL-2

ReferralServer: rwhois://rwhois.gnax.net:4321

OrgNOCHandle: ENGIN7-ARIN
OrgNOCName: GNAX ENGINEERING
OrgNOCPhone: +1-404-230-9150
OrgNOCEmail: engineering@gnax.net
OrgNOCRef: http://whois.arin.net/rest/poc/ENGIN7-ARIN

OrgAbuseHandle: ABUSE745-ARIN
OrgAbuseName: GNAX ABUSE
OrgAbusePhone: +1-404-230-9150
OrgAbuseEmail: abuse@gnax.net
OrgAbuseRef: http://whois.arin.net/rest/poc/ABUSE745-ARIN

OrgTechHandle: ENGIN7-ARIN
OrgTechName: GNAX ENGINEERING
OrgTechPhone: +1-404-230-9150
OrgTechEmail: engineering@gnax.net
OrgTechRef: http://whois.arin.net/rest/poc/ENGIN7-ARIN

RNOCHandle: ENGIN7-ARIN
RNOCName: GNAX ENGINEERING
RNOCPhone: +1-404-230-9150
RNOCEmail: engineering@gnax.net
RNOCRef: http://whois.arin.net/rest/poc/ENGIN7-ARIN

RTechHandle: ENGIN7-ARIN
RTechName: GNAX ENGINEERING
RTechPhone: +1-404-230-9150
RTechEmail: engineering@gnax.net
RTechRef: http://whois.arin.net/rest/poc/ENGIN7-ARIN

RAbuseHandle: ABUSE745-ARIN
RAbuseName: GNAX ABUSE
RAbusePhone: +1-404-230-9150
RAbuseEmail: abuse@gnax.net
RAbuseRef: http://whois.arin.net/rest/poc/ABUSE745-ARIN

DNS records
name class type data time to live
mymoneyleaf.com IN A 65.254.53.53 3600s (01:00:00)
mymoneyleaf.com IN MX
preference: 5
exchange: alt2.aspmx.l.google.com
3600s (01:00:00)
mymoneyleaf.com IN MX
preference: 10
exchange: aspmx2.googlemail.com
3600s (01:00:00)
mymoneyleaf.com IN MX
preference: 10
exchange: aspmx3.googlemail.com
3600s (01:00:00)
mymoneyleaf.com IN MX
preference: 5
exchange: alt1.aspmx.l.google.com
3600s (01:00:00)
mymoneyleaf.com IN MX
preference: 1
exchange: aspmx.l.google.com
3600s (01:00:00)
mymoneyleaf.com IN NS ns23.domaincontrol.com 3600s (01:00:00)
mymoneyleaf.com IN NS ns24.domaincontrol.com 3600s (01:00:00)
mymoneyleaf.com IN TXT v=spf1 include:sendgrid.net ~all 3600s (01:00:00)
mymoneyleaf.com IN TXT v=spf1 a mx include:spf.mtasv.net ~all 3600s (01:00:00)
mymoneyleaf.com IN SOA
server: ns23.domaincontrol.com
email: dns@jomax.net
serial: 2012071000
refresh: 28800
retry: 7200
expire: 604800
minimum ttl: 3600
3600s (01:00:00)
53.53.254.65.in-addr.arpa IN PTR backups.powercode.com 60s (00:01:00)

— end —

 

LVNV & Associates ~ Resurgent Capital Services

There have been significant number of complaints about the practices of LVNVFunding dba Resurgent Capital Services.

Other Names Associated with this Outfit:

  1. Resurgent Capital Services
  2. CBCSResurgent Capital Services
  3. LVNV Funding Debt
  4. Capital Management Services, Inc
  5. Capital Management Services, Inc.
  6. LVNV Funding, LLC
  7. LVNV, Inc.
  8. Resurgent Auto Finance
  9. Credit One Financial Solutions
  10. Limestone Assets Management

Customer Complaints Summary

1127 complaints closed with BBB in last 3 years | 791 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 2
Billing/Collection Issues 1021
Delivery Issues 0
Guarantee/Warranty Issues 1
Problems with Product/Service 103
Total Closed Complaints 1127

Additional Complaint Information

Sample Complaints Below:

Resurgent Capital located in South Carolina, a related outfit of lvnv funding, uses a web of questionable practices in attempts to pressure individuals to give them money. They buy old charge- off accounts, for about 3 cents on the dollar, tens of thousands of them.

The owners, managers, and supervisors of these outfits then try and get people to give them 50 to 80 cents on the dollar for those same charge-offs. It doesn’t matter to these commission driven individuals what malady may have come upon you, they only want money, and lots of it. They often try and have people send them quick money, while offering no benefits in return. Is that right or fair? You decide. Sounds like unpasteurized greed to me. Attempting to make money from the possible misfortune of others seems very unsavory. Remember, their ultimate target is to have you send them money, from what ever source, while promising you nothing in return. It would be wise for you to insist on receiving any payment arrangement with them in writing, in advance, before ever considering sending them any money, no exceptions.

Otherwise, after they get your money, they can conveniently claim that they have no record of any such arrangement with you, to your detriment. Verbal promises from these ” supervisors ” are not guarantees that they will do anything to benefit you, once they receive your money.

Always get their agreements In Writing, before sending any money to them, no matter how small the amount. Learn all you can about Resurgent Capital Services or lvnv funding tricks on the internet, for example, and you may want to communicate with them only in writing, and always by certified mail. Keep a copy of everything you may receive from them or that you send them. Carefully consider all your best options when contacted by them. Seek free advice on how to protect yourselves from their questionable practices. You’ll be glad you did.

Month day, 2XXX

Name of collection company
Address
City, State, Zip
Telco#

Re: Acct File#

To Whom It May Concern:

This letter is being sent to you in response to a notice received on month day, 201x. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. We respectfully request that your offices provide our firm with competent evidence that we have any legal obligation to pay you.

You are hereby requested to provide us with ALL of the following:

* What the money you say our firm owes is for
* Explain and show us how you calculated what you say is owed
* Provide copies of all papers that show our firm signed for and agreed to pay what you say we owe for each individual invoice claimed that we owe.
* Provide a verification or copy of any judgment to substantiate proof
* Identify the original creditor name, address and contact name
* Prove the Statute of Limitations has not expired on this account
* Show proof that you are licensed to collect in the State of New York
* Provide us with your license numbers and Registered Agent

At this time we will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) and Dunn & Bradstreet this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of our credit and/or DNB reports by your company or the company that you represent we will not hesitate in bringing legal action against you for the following:

* Violation of the Fair Credit Reporting Act
* Violation of the Fair Debt Collection Practices Act
* Defamation of Character

Your offices are required to provide the proper documentation as requested in the following Declaration, we will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of our credit reports, our firm will consult with legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from our credit file and a copy of such deletion request shall be sent to us immediately.

***CEASE & DESIST***

We would also like to request, in writing, that no telephone contact be made by your offices or associated firms to our homes, offices, suppliers, contractors, officers/principles personal homes, families, friends, neighbors or any other related and/or unrelated contacts. If your offices attempt telephone communication with any of the above listed locations and/or parties, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and we will have no choice but to file suit. All future communications with our firm MUST be done in writing and sent to the address noted in this letter by USPS Certified Mail or other method of Certified and/or Tracking# mail to show proof of mailings.

It would be advisable that you assure that your records are in order before we are forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Regards,

Your name
Address
City, State Zip

Now that defangs them from bothering you by phone anywhere any further. Now the clock is ticking, check USPS.com and the certified mail #, once they get it – PRINT IT and FILE IT, that is now the date they have 30 days from to respond.

You MUST receive a detailed account of the balance, not some one page saying; Total = $xxxx.xx
They MUST have a license to operate in YOUR state
If this is an old account, check the Statue of Limitations and if your last activity (payment is older then the Statue, then they can’t pursue it)
They MUST have a copy of your signed contract showing you are obligated to pay and THIS is where you usually get them, most companies DON’T have your original terms and contract on file, if they don’t, they can’t collect on the debt.
They MUST show the debt has been fully and legal transferred to their name, if they don’t show a legal transfer, they are NOT legally allowed to pursue the debt.

If they fail to provide ALL of this information, then: (AGAIN – CERTIFIED MAIL !!!)

NOTICE OF INSUFFICIENT VERIFICATION
Date: March 14, 2007
From: John Doe
To: Law Offices of XYZ

I have sent you a notice requiring you to verify this debt in accordance with 15 USC § 1692g. I have included a copy of the original dispute, which lists in detail the type of verification requested.

In response you have only sent a computer generated print-out of the total amount you claim is due, which may not be accurate. Furthermore, you have failed to provide an executed credit contract proving liability of this debtor on the amount claimed.

This is unsatisfactory as proof that I owe the debt (please see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004.), and is hereby rejected as a validation of the debt. You have not complied with my right to have the debt validated according to the standards of the FDCPA, and your response is hereby rejected as a validation of the debt.

You must now remove the collection listing from my credit report, or I will file a lawsuit for violation of FDCPA, § 809(b).
Thank you for your assistance as I assert my right to have a proper validation of the referenced account according to law.

Sincerely,

John Doe


This is your legal (f*ck off) letter to them, they blew it and now they are screwed and you now keep copies of ALL of this in an envelope, along with all of the Certified Receipts, the print out showing when it was received by them.

Now wait 2 weeks, then get a fresh copy of your 3 credit reports, if they are still there – call each of the credit reporting companies, they are on YOUR SIDE, they’ll ask you to fax all of that info to them, then they will open a 30 day investigation with the Collection Agency and when it fails, its now off your credit report. Now this doesn’t mean its gone for good, just gone for good from THIS Collection agency, they may turn around and sell it to the next dirt bag down the road, but now you know what to do and how to do it and like the shampoo bottle says – repeat as necessary… just send out these forms and once the Statue of Limits is up, the SOL becomes Sh*t outta Luck for the collection Agency.

Now you may at some time end up with a mega prick collection agency, especially if your debt is large, and they’ll file a compliant against you in court seeking a judgement. You MUST MUST MUST!!! Answer it, it is IMPERATIVE!!! You generally have 20 days, so the moment you get it, you get right on it and file an ANSWER with your county clerk IMMEDIATELY — Don’t jerk around with this – if the Collector gets a judgement against you, then they can drain your bank account, savings, whatever you’ve got, they can go after and they will !!!

IN THE SUPERIOR COURT OF THE STATE OF xxxxxx INDEX#
IN AND FOR THE COUNTY OF xxxx

Collection Agency PLAINTIFF’S ADDRESS
PLAINTIFF, Address
City, State Zhip
vs.

Your name here DEFENDANT’S ADDRESS
DEFENDANT, Address
City, State Zip

FILE NO. xxxxxxxxxxxxxxxx ANSWER

The Defendant, Pro Se as for his answer to the complaint herein, the defendant (YOUR NAME) respectfully shows and alleges as follows:

Defendant Denies the allegations of Paragraphs x, x, x, x, and xx Cause/Action statement in Complaint.

AFFIRMATIVE DEFENSES

•List your defenses, short and clearly, list FDCPA statues, list Court Case citing from your Failure to Validate Response Letter and state they failed to Validate within the required 30 day period, and the information they provided was in sufficient proof of validation

WHEREFOR, defendant prays that this Court dismiss the complaint of the Plaintiff herein, with costs and disbursements to defendant, together with any other relief the Court finds to be just and proper.

Dated: THE (day)th DAY OF (month), 201x.

______________________________
Defendant(s) (Signature)

Defendant(s) Name YOUR NAME

Address
Your Address
City, State, Zip

DECLARATION

I, (YOUR NAME), declare as follows:
1. I am the defendant in this Complaint.

I certify under penalty of perjury under the laws of the state of (YOUR STATE) that the foregoing statement is true.

Signed in CITY, STATE on DATE_____________________.

__________________________________
Signature
(YOUR NAME)

Don’t be scared, you’ve got all of the documents, receipts and proof, the Collection Agency most likely with either NOT respond to the answer and will go away knowing it just lost $90-$100 filing a Judgement request, now its lost money on you. Or if it does decide to respond and a court Date is set, simply file a Request for Discovery, and request copies of the signed contract showing liability of you to pay the debt – if they didn’t send it to you by now, they don’t have it.

Last thing – DO NOT speak with their attorney outside of court – WALK AWAY – tell them if they have ANYTHING to say, say it only in front of the Judge, you will not speak with them, if they persist, walk back to the court and sit inside or stand next to a court office and ask the officer to tell the attorney to stop harassing you. They are on the defense and will be desperate to make ANY kind of deal, DON’T DO IT !!! If they don’t have the documents as the court date, they never will.

Lastly and your final NAIL THE COFFIN SHUT on your debt forever no matter who or what has or buys your debt – Request the judge:

DISMISS WITH PREJUDICE

That means the debt case is dismissed and it can NEVER be brought to court again by anyone, the debt is DEAD !!!

Good luck, stay smart and DO NOT EVER talk with a Collection agency over the phone or in person, EVER !!! Just send them these letters ONLY !!!

Source: http://www.complaintsboard.com/complaints/resurgent-capital-services-lvnv-funding-c25757.html?page=3

Other Names Associated with LVNF Funding:

1. Resurgent Capital Services LP
15 South Main Street
Greenville, S.C. 29601

2. Resurgent Capital Services LP
15 South Main Street #401
Greenville, S.C. 29601

3. Resurgent Capital Services LP
15 South Main Street Suite 700
Greenville, S.C. 29601

4. LVNV Funding LLC
15 South Main Street
Greenville, S.C. 29601

5. LVNV Funding LLC
15 South Main Street Suite 700
Greenville, S.C. 29601

6. Alegis Group LP
15 South Main Street
Greenville, S.C. 29601

7. Alegis Group LP
15 South Main Street, Suite 401
Greenville, S.C. 29601

8. Alegis Group LP
15 South Main Street, Suite 700
Greenville, S.C. 29601

9. Sherman Acquisition LP

15 South Main Street,
Greenville, S.C. 29601

10. Sherman Acquisition LP
15 South Main Street, Suite 401
Greenville, S.C. 29601

11. Sherman Acquisition LP

15 South Main Street, Suite 700
Greenville, S.C. 29601