8776270413

I received a call from Betty Dearing she told me that if i didn't come up with 1,156 dollars by 3pm monday that the cops would be at my job to arrest me. Then they transferred me to Sydney Romaine and she was a nasty b***h.  I called them back and told them that I would be making the payment on Wed and they told me I had until 1 pm.  When they didn't recive it they called back and i told them that i got a lawyer.  

They told me to go the ACE checking cashing and get a customer utility payment on the file name put MD-95530 and on the pay to line put spellman and roman..and call them with the confirmation #.

I contact my lawyer they told me no one can come get you from wor and you have no paper work..

THIS IS A SCAM DO NOT SEND THEM ANY MONEY

they told my wife that they were going to come to her job and arrest her. we paid it. i found this web site about ten minutes after we paid it and i cancelled the transaction. when i called them to get general information, i was rudely ask "why am i needing this information. it is total a scam. if a company can not give general information such as address or managers name; some is wrong.
my bank has reported them to the local officials.

This afternoon I applied online for a personal loan at several different online lenders. I wish now I would have researched each company before applying. On the applications I used my brother as a refferance and provided his phone number.Later in the day my brother received a call from a woman saying she was detective Callaway from the police department. She did not say what police department, just that there was a subject in custody and that she needed to have me contact her immeadiatly and that I had no more than one hour to do so or else. My brother contacted me right away and I called the phone number (877) 627-0413 dept. 4015 as instructed. The phone was answered "Police Department" and I was told that detective Callaway was in a confidential interview questioning the subject and there attourny. I was instructed to call back in the morning at 8:00 am. and that the police now have my phone number and know where to find me. After hanging up the phone I immeadiatly called the real Dallas police dept. and they informed me that no such detective or phone number was connected with DPD. THIS IS A SCAM and these people are heartless. They will have your family, friends and employer all believing you are wanted for questioning and are a suspect in a criminal investigation. Be extremly carefull, these bastards are ruthless and may have all of your credit information, address, DOB, SSN, etc. as they now have for me. Best of luck.

This afternoon  someone called me from this "firm", threatening my husband with arrest, and threatening to call his employer at work. The jerk that I spoke with went by the name Harvey W. Kessler, and he had told me that I owed a debt to a payday loan company, and that I had 1 hour to come up with the money to send them through Bank of America, or my husband and myself would be arrested. He even went to the extent to say that thay had video survellance of him. After I did my research, I called the company that we owed the debt to, and they said that our debt has been cleared, and not to send no money to these people. Please do not fall victem to this. Do your research first.

Call from 877-627-0413 came to me at my workplace.  Lady advised that I needed an attorney and was being prosecuted for worthless checks.  She then transferred me to a man who asked if I was married b/c my husband could be in trouble too.  He then said he was running a background check on me and since nothing came up, he would see if his client would allow him to settle for $580...he advised that I had until 1pm to send the money via Bank of America.  I told him that I had his number and I would call back if I cared enough to look into the matter further.  I then researched the number.  Glad I found what I did.  Bastards!

I was told that we owed $652.70 from a transaction that originally cost $300.  It was supposively from an on-line payday loan company.  I was told that they were Winston Law Firm.  An Ashley Duncan transferred me to Syndey Roman & she spouted off a different law firm name & would not repeat it when I asked her to.  She told me we needed to pay the above amount by 9 a.m. or the cops would arrest us.  I informed her that I had spoke to her 3 months prior & she told me she was w/ Spellman & Roman Law Firm.  I informed her that my attorney had tried to contact them & was hung up on each time.  I've contacted my state attorneys office & they advised me not to pay.  Said I need to request something in writing.  She got very nasty & hung up on me after calling me several names.  When I called back 1-877-627-0413 x4022 I was redirected stating that this was an invalid ext.  When I finally got through I was then given a complete different law firm name.  It wasn't until I let them know I was aware of my rights & was intelligent of the law that they gave me grief.

I recieved a phone call saying i had to pay $541.60 with in one hour or i would be arrested. I became very distraught but back in April of 07 i paid this same company $700. I told them this and they demanded i send them a copy of my bank statement to prove this. When i refused they told me the cops were on their way and that i thought i was above the constitution. These people were very nasty and rude. I am going to file suit against them.

I GOT A CALL FROM SOMEONE SAYING THEY WERE FROM THE OFFICES OF ALEXIS CALOWAY, AND THEY TOLD ME THAT I OWED THEM $641.00, READ ME MY MIRANDA RIGHTS, AND  THREATENED ME WITH IMMEDIATE ARREST, STATING THAT THERE WAS AN OUTSTANDING ORDER FOR ME.  THEY GAVE ME TWO OPTIONS TO PAY--DEBIT OR CHECKING ACCOUNT.   THEY HAD MY SOCIAL SECURITY NUMBER, CELL NUMBER, HOME ADDRESS, ETC.  WHEN I REFUSED TO PAY OR GIVE MY BANK INFO, THEY BECAME VERY INTIMIDATING AND THREATENING.  I WILL BE  REPORTING TO THE ATTORNEY GENERAL'S OFFICE AND HOPE THAT SOMEONE CAN CATCH THESE CROOKS.

I got a call demanding 700 dollars by 3pm on a payday loan i took out of 250..its a total scam..i asked them several times to send me documentation showing the amount owed and the other charges..Sydney Roman declined my request that she would not send anything until the payment is made..if i didnt make the payment to these allegations she would call the attorney general and have me arrested...OKAY NOW!!..here is the catch..any debt collector whether an attorney or collection agency must send you a document of how much you owe and cannot charge you over the amount owed..has to send it to you within 5 days of telephone contact...the other thing is SINCE WHEN THE HELL DO YOU PAY A DEBT TO A BANK ACCOUNT...HELLO!! NOW THAT IS JUST CRAZY..OKAY NOW IF YOUVE BEEN SCAMMED YOU NEED TO REPORT IT TO THE FBI...the have an address in Florida and when i asked Sydney romam she denied knowing anything about florida..These ppl are just horrible creatures...

Iknow they use the names Veronica Masters...Ruth Russell...Sydney Roman...Winston...and many others..the give you a bank account number to the bank of America..i filed a fraud compaint on the account with my local bank..they told me im not the first to file a complaint on this account number...

I got two calls stating that I was wanted for questioning in which I have NO CLUE what this company is or have never received any paperwork from them.  I called twice and then she returned my call nicely and I was unavailable.  I then received another saying she was going before a corportate office and that she felt sorry for me.  I HAVE NO IDEA WHAT THIS INVOLVES AND I HAVE A CLEAN RECORD.

I just received a call from this number 877-627-0413 saying to ask for Dept 4020.  She did not leave her name but did say on the message that I was needed to get in touch or have my legal councel get in touch regarding am important matter.  She said she was with a company named DC Miller.  Can't find that name anywhere. Anyone have this said to them?

I just received a call from this number 877-627-0413 saying to ask for Dept 4020.  She did not leave her name but did say on the message that I was needed to get in touch or have my legal councel get in touch regarding am important matter.  She said she was with a company named DC Miller.  Can't find that name anywhere. Anyone have this said to them?

I just received a call from this number 877-627-0413 telling me to ask for ext 4029. Her name was Cathy Witherspoon, told me that they would issue a warrant for my husbands arrest in this state if i didnt come up with 565.00 for an online loan. Well at first i panicked. After a minute i relized that i worked for the police dept and some of the language they were using was familiar. Like they were going to sequester my husband and i. Well sequester means to keep information from. I quickly relized that this was a fraud and immediately turned them over to my police dept. this is a scam do not fall for the supposedly legal jargin. Be very careful

I jest recveived a call from this number 877-627-0413 telling ext 0413. Her name was Jane Spellman. She told me that she would issure a warrant for my arrest within the hour if I did not pay $155.00.  I was told that after I had the $155. to call her back and she would provide a account number at Bank of America to depostit the money in.  I called Bank of America, this is not how they handle collections.  BE CAREFUL of this number 877-627-0413.  Report to local police and State Attorney General Office.   Also you need to report to Bank of America Idenity Fraud Dept  866-231-5147.

They called my job stating I was wanted for questioning and to call back asap. I am so tired of these people calling my work place having my managers thinking I am in some type of trouble.Is there anything we can do about them calling.

I also got a call from Sydney Roman stating that I had an outstanding balance on a online loan and that if I didnt pay $900.00 they would report me to the state's bad check writing list and I would be on it indefinately. I normally would never have paid them in the manner that I did, by depositing money to an account, but I was and AM in the midst of cleaning up my credit and trying very hard to resolve situations from my divorce that I fell for it completely as well as being extremely busy I never had time to think about it. I swear to the Lord above these people better ROT IN HELL FOR TAKING MONEY OUT OF MY CHILDRENS MOUTH FOR THEIR OWN SICK BENEFIT AND I HOPE THEY DIE A VERY PAINFUL LONG AGANIZING DEATH TOO!!!!!!!!!!!!!!!!!

Daughter in law received call the a.m. saying that she owed money on a past due loan from last year and would be arrested if she did not pay.  they had addresses and tricked her into giving her social.  she has seen put a fraud alert on her info. filed a police report and notified bank.

Hope this info helps...
I began receiving threatening phone calls from a company calling themselves "Spellman and Roman". They threatened my mother in law, my work, saying they would cause a "disturbance" there and get me fired and then the final straw was the following: A woman by the name of D.C. Miller called and said I had to pay $1486.10 in 20 minutes "or else". I asked what she meant by that and she said "well, let's put it this way...I know I'm going home tonight, but you'll never even make it home". I asked if that was a threat on my life, and her response was "take it however you want". I immediately drove to the police station and filed a complaint statement with them. This woman called again while I was at the police station filling out the forms, so I tried to pass my cell phone to the officer assisting me, and she hung up on him. (He identified himself as an officer and she called him a "liar" and disconnected.)
I researched the FDCPA, and these people have violated 16 articles in it...even if you let them know that you are aware their actions are illegal; they don't care...they just keep harrassing and threatening.
They refuse to provide any documentation, but in one phone call I managed to get them to slip up and give me the original creditor's name which they said was "Ashland Funding". I searched online and found a phone number for them of 1-866-722-2770, and called it. They said they had my name on file, but that they had "sold" my debt to a company called iCollect, and to call them. iCollect's phone number is 1-866-856-1024, and when I called, I am unable to reach any live person; it is just a recorded message saying you should contact the original creditor if it is less than 90 days old, or contact the collection agency that is calling you if it is over 90 days old. No other phone numbers are provided, no address, nothing!
As for the actions of "Spellman & Roman" (which I have researched, and have gone by all of these names: State Predisposition, Jacksonville Law, Offices of Winston Law, Offices of Sydney Roman, Offices of D.C. Miller and Spellman and Roman...all withing the last 6 months, so there's a BIG red flag there!), I have begun filing complaints with anyone and everyone. I filed complaints/statements with my local law enforcement, FBI fraud division, FTC, State Attorney General for both Florida (their original base) and South Carolina (although their address there is fraudulent and comes up as an empty warehouse), homeland security financial division, BBB. They insist that the only way you can pay the debt is to deposit cash into a bank account at Bank of America, so I took that account number with me to B of A and notified them that someone was illegally trying to extort money from me throught their financial institution. The had me fill out statements for the Corporate Securities department.
Anyone wanting to ask more information from me on this, please feel free to contact me at "myessentiajewels@aol.com" as I am happy to help anyone avoid the nightmare I am going through with these people.

This is an actual cut and paste of the letter I sent them. It does have info in it from some research I have done, and some interesting background on them. Once I sent them this, they suddenly stopped calling, emailing, etc. I have not heard a peep from them since!

Here is the letter (with my personal information X'd out):

To the offices of D.C. Miller, Spellman & Roman, or whichever company name you are using right now:

I received an email from your offices on July 29th, 2008, which stated that I have 30 days to dispute in writing. I am exercising my rights under the FDCPA to request documentation of the original debt, the original creditor, their contact information and any and all fees incurred on the debt since it's incurement.

Legally, under the FDCPA, you were required to send me this documentation within 5 days of our first contact, which was on July 17th. The documentation is to be sent via USPS mail. This is my 18th request for written documentation via mail. I have given you my current address many time, but in case you misplaced it, here it is again: P.O. Box (XXXXX), Reno, NV (XXXXX).

Furthermore, under my rights in the FDCPA, I am notifying you to cease and desist calling my home phone, cell phone, employer and third parties. Legally you may only contact a 3rd party one time to request my contact information, and you may not reveal the purpose for the call or identify yourself as a credit collector to a third party; to date you have contacted 3rd parties regarding this issue a total of 32 times and have disclosed personal information and threats to the 3rd parties each time. This is clearly operating outside of legal parameters.

I have attempted 3 times to send a written dispute to the address you provided on your email, and 3 times I have received the mail back advising me the address is a "vacant" address. Further research into the address shows that it is an unoccupied storage facility. I checked for nearby addresses to see if there was possibly a "typo" in the address on your email, however, the State of South Carolina does not have a legal operating company by the name of Spellman & Roman...not in Moncks Corner or any other part of the state.

Your representatives going by the names of Lewis Steadman, Winston Law and D.C. Miller have continuously called me, harassing me and threatening me. The woman calling herself "D.C. Miller" has even made threats to my employer (saying they will cause a disturbance at my place of employment) and made a threat against my life (saying that she was going home but I would never even make it home). All of the above parties have threatened me multiple times with imprisonment, which is also illegal under the FDCPA.

On multiple calls, your representatives identify the company as the "Law Offices Of...", which is also illegal to falsely represent yourself as a law office when you are in fact not. Given that you are not actually any sort of law office; and given your multiple violations of the FDCPA; I realize now that you may full well not be familiar with or even understand the FDCPA. I would suggest to you that retain some actual legal counsel to assist you with this lack of knowledge.

In researching the debt, I have found that Ashland Funding "sold" the alleged debt to iCollect, who then "sold" it to you. However, no one is able to provide me any documentation that this is a legitimate debt, or original documents. You agents advised me that if I didn't pay the money via cash or a pre-paid Visa card, they would contact Ashland and tell them to collect upon the debt, however, after speaking with Ashland, they informed me that they no longer have anything to do with this matter as it was "sold", and then they advised me not to do business of any kind with your company.

Because your company has illegally extorted $1000 from me through threats of violence & imprisonment utilizing a bank account with Bank Of America, I have gone to Bank of America and notified them of the actions. They have had me fill out statements for their corporate securities division to investigate the fraud and extortion.

I have also begun filing complaints with the FBI, FTC, BBB, State Attorney General for South Carolina and the State Attorney General for Florida (where I traced your company to), Homeland Security Financial Division, and my local law enforcement. I am currently in the process of retaining an attorney to seek a suit against your company for damages, attorney fees and the original extortion amount of $1000, which by the way is a felony.

I have found many, many victims of your extortion and fraud, and we are collectively attempting to put together a class action lawsuit against not only your company, but to seek civil suit against those employees that have threatened physical violence against the victims.

The following two links go directly to sites where hundreds of victims describe the abuse they have received from your company, so you can see these for yourself:

(I pasted the links here)


Please provide me the written documentation of the validity of this debt immediately via United States Postal mail.

i cant belive that people would take the time to fill out these "payday loans" and want to take a buisness down for collecting on a debt, that i havent seen on here that anyone has fessed up to. but want to call the FTC, FBI, BBB, and ETC. about how people are collecting. honestly. why dont people stop being so noisey and put back atleast what you borrowed, stop causing more drama to the attorneys that probaly have something better else to do instead of helping dumb broke people that are in debt!    face the reality! you are trying to find away NOT to spend your hard earn money but take time to sit at the computer and complain! im actually, practicing in law my 1st year and interning  in texas, the law office i work for gets a call about f.d.c.p.a and the attorney said that "why do people put themselves in stupid situations?" and told the man and his daughter that was being threatened to just pay off the debt that she originally borrowed. make this easy for yourself(s) pay what you owe and dont waste other peopls time.


LAW STUDENT 79