6463831472

I received a call from the number, based out of New York, NY.  All the person said was, "Hello?" then hung up.  I don't know who this caller is so after that I just press "ignore".  They don't leave messages on voice mail so it must not be important.

Re scam 646-383-1472

MY experience. They were trying to say I owed a debt that I paid off 19 years ago. In my case they referenced an address

I haven't lived at for 21 years. Secondly, I ACTUALLY PAID OFF the debt they referenced!!! I explicitly remember

paying it off over a two year period from 1989-1990. I remember the very helpful woman at a collection agency who

helped me realize  that financial struggles weren't the end of the world and I could pay it off over time. In fact I still have file

cabinets of all my financial documents since the early 80's so I can prove it.

I told them to mail me documentation explaining why they expect me to pay a debt a second time. I won't be holding my

breath.

Based on my experience, the more I think about it, I believe this is a scam where they look up OLD DEBT in public

records and then try to trick people into paying all or part of it. Most people aren't as... ok - anal as I am,  so won't have

the memory or the records of what happened. In many cases like mine the debt will have been paid off.  In other cases, it

will never have been paid, .....but the real issue is that THEY ARE NOT the people to whom the debt is owed.

Many will have improved their finances since then, and just assume old debt is catching up to them. They are preying on

people who have had financial problems before and will be the least likely to catch what is going on.

Some clues:
1 They never leave a message because then you could check them out. Their modus operandi is to opportunistically

pressure anyone they can get on the line.
2 They will reference ACTUAL past debt of yours so they will sound credible. If you have moved since then, you will be

amazed at the age of the contact information. I mean really old like probably 10 years or more. Likely they are using

reference archives of past charged off debt, rather than anything that might be on a current credit report and verifiable with

the legit owner of the debt.
3. They always want a fax number to fax their documentation to. Faxing is great for faking instant "credible written

documentation". In this case, the "evidence" will seem credible, because they are documenting an actual past debt.  .
4. They will some pretty unlawful things like: that they don't have to prove anything but that because the debt exists (and the

PRESUMPTION is that you owe it to them), YOU have to prove why you don't owe it. After your attorney stops laughing

he'll explain what is wrong with that. Anyway their real trick is DISTRACTING you from the fact that THEY DON'T

OWN THE DEBT, and even if you owe a debt, THEY HAVE TO PROVE they own it.  In my case it was easy. The debt

no longer existed, so NO ONE COULD OWN IT NOW!!!
5. If you ask for their address they will give you numbers and things that don't make sense unless you hold their feet to the

fire. I doubt it's even worth wasting time to check out the address they eventually gave. Unfortunately if you understand the

ease of caller ID spoofing you will realize they are virtually impossible for most of us to trace. I doubt they are even calling

from within the country. They will change phone numbers and the name of the company as quickly as they start gaining the

attention of the public and law enforcement.



I have to hand it to them that they have "the perfect scam". Much of what they are collecting is long ago charged off

accounts. People will think they are paying off past debt. Many will have improved their finances since then, and just

assume old debt is catching up to them. They are preying on people who have had financial problems before and will be the

least likely to catch what is going on. The only problem is that whether or not the debt was finally ever paid, they will not be

paying the original creditor or anyone else who legitimately owns the debt. It would be like my showing up at your door

with a copy of your utility bill and collecting money.  You would have paid the actual money you owe, for a legit bill...

---just not to the people you owe it too, --- the utility company.

I'm sure this is quite profitable for them. Even if most of the time all they manage to do is to get 1 person in 20 to make a

partial payment they are into money. Then they have credit card info they can tap at will until someone figures it out.  I feel

for the people who maybe paying them hundreds or thousands of dollars thinking they are addressing legitimate debt to a

legitimate creditor. They will tap into the guilt of many who never paid the original debt and will now think they are making

things right.  

Most will never even catch it. Unfortunately unlike the utility payment example, there will probably never be a legitimate

creditor calling since this is old debt. There won't even be the flag of them "not reporting payment to credit agencies"

because most of this is so old it will have long since fallen off credit reports.  As I said they think they have the perfect scam.

Maybe they do. If they are smart they will probably not charge anything but authorized payments until the scam is shut

down. If anyone challenges it they will just claim bad records regarding the debt. Once this things gets shut down by law

enforcement or Visa, or whatever, they will still have all those credit card and bank account  numbers on file to sell or tap

into themselves.  It will be a list of some of the most financially vulnerable people in society. It won't be pretty.

I hope they can be stopped. I wouldn't bet on it though. They just prey on the uninformed. :(

Thomas


Also clue number 6: The reason there are so many comments regarding wrong names numbers etc is that this scam is based

on working off lists of OLD debt. Remember old debt works best for this scam because it sounds legit (because it WAS

LEGIT at one time) but by being old there is no current impact on credit reports for people to catch.  The lucky calls for

them is - OLD DEBT they are able to trace to CURRENT PHONE numbers. Remember current ADDRESSES MEAN

NOTHING because they can't fast talk you in a letter. They need to get a warm body on the phone to work their magic.


BTW I would not call with your current caller ID phone number showing or give any current address, or they will just

manufacture documentation with your current information to FAX to you.

Fix format
Re scam 646-383-1472

MY experience. They were trying to say I owed a debt that I paid off 19 years ago. In my case they referenced an address  I haven't lived at for 21 years. Secondly, I ACTUALLY PAID OFF the debt they referenced!!! I explicitly remember  paying it off over a two year period from 1989-1990. I remember the very helpful woman at a collection agency who  helped me realize  that financial struggles weren't the end of the world and I could pay it off over time. In fact I still have file  cabinets of all my financial documents since the early 80's so I can prove it.

I told them to mail me documentation explaining why they expect me to pay a debt a second time. I won't be holding my  breath.

Based on my experience, the more I think about it, I believe this is a scam where they look up OLD DEBT in public  records and then try to trick people into paying all or part of it. Most people aren't as... ok - anal as I am,  so won't have  the memory or the records of what happened. In many cases like mine the debt will have been paid off.  In other cases, it  will never have been paid, .....but the real issue is that THEY ARE NOT the people to whom the debt is owed.

Many will have improved their finances since then, and just assume old debt is catching up to them. They are preying on  people who have had financial problems before and will be the least likely to catch what is going on.

Some clues:
1 They never leave a message because then you could check them out. Their modus operandi is to opportunistically  pressure anyone they can get on the line.
2 They will reference ACTUAL past debt of yours so they will sound credible. If you have moved since then, you will be  amazed at the age of the contact information. I mean really old like probably 10 years or more. Likely they are using  reference archives of past charged off debt, rather than anything that might be on a current credit report and verifiable with  the legit owner of the debt.
3. They always want a fax number to fax their documentation to. Faxing is great for faking instant "credible written  documentation". In this case, the "evidence" will seem credible, because they are documenting an actual past debt.  .
4. They will some pretty unlawful things like: that they don't have to prove anything but that because the debt exists (and the  PRESUMPTION is that you owe it to them), YOU have to prove why you don't owe it. After your attorney stops laughing  he'll explain what is wrong with that. Anyway their real trick is DISTRACTING you from the fact that THEY DON'T  OWN THE DEBT, and even if you owe a debt, THEY HAVE TO PROVE they own it.  In my case it was easy. The debt  no longer existed, so NO ONE COULD OWN IT NOW!!!
5. If you ask for their address they will give you numbers and things that don't make sense unless you hold their feet to the  fire. I doubt it's even worth wasting time to check out the address they eventually gave. Unfortunately if you understand the  ease of caller ID spoofing you will realize they are virtually impossible for most of us to trace. I doubt they are even calling  from within the country. They will change phone numbers and the name of the company as quickly as they start gaining the  attention of the public and law enforcement.



I have to hand it to them that they have "the perfect scam". Much of what they are collecting is long ago charged off  accounts. People will think they are paying off past debt. Many will have improved their finances since then, and just  assume old debt is catching up to them. They are preying on people who have had financial problems before and will be the  least likely to catch what is going on. The only problem is that whether or not the debt was finally ever paid, they will not be  paying the original creditor or anyone else who legitimately owns the debt. It would be like my showing up at your door  with a copy of your utility bill and collecting money.  You would have paid the actual money you owe, for a legit bill...  ---just not to the people you owe it too, --- the utility company.

I'm sure this is quite profitable for them. Even if most of the time all they manage to do is to get 1 person in 20 to make a  partial payment they are into money. Then they have credit card info they can tap at will until someone figures it out.  I feel  for the people who maybe paying them hundreds or thousands of dollars thinking they are addressing legitimate debt to a  legitimate creditor. They will tap into the guilt of many who never paid the original debt and will now think they are making  things right.  

Most will never even catch it. Unfortunately unlike the utility payment example, there will probably never be a legitimate  creditor calling since this is old debt. There won't even be the flag of them "not reporting payment to credit agencies"  because most of this is so old it will have long since fallen off credit reports.  As I said they think they have the perfect scam.  Maybe they do. If they are smart they will probably not charge anything but authorized payments until the scam is shut  down. If anyone challenges it they will just claim bad records regarding the debt. Once this things gets shut down by law  enforcement or Visa, or whatever, they will still have all those credit card and bank account  numbers on file to sell or tap  into themselves.  It will be a list of some of the most financially vulnerable people in society. It won't be pretty.

I hope they can be stopped. I wouldn't bet on it though. They just prey on the uninformed. :(

Thomas


Also clue number 6: The reason there are so many comments regarding wrong names numbers etc is that this scam is based  on working off lists of OLD debt. Remember old debt works best for this scam because it sounds legit (because it WAS  LEGIT at one time) but by being old there is no current impact on credit reports for people to catch.  The lucky calls for  them is - OLD DEBT they are able to trace to CURRENT PHONE numbers. Remember current ADDRESSES MEAN  NOTHING because they can't fast talk you in a letter. They need to get a warm body on the phone to work their magic.


BTW I would not call with your current caller ID phone number showing or give any current address, or they will just  manufacture documentation with your current information to FAX to you.

Again, they keep calling my home number and asking for Donna Washington even though in the past I have requested them to stop calling my home number, "We do not know who is Donna Washington and Donna Washington has never lived here with us". Their behavior is not American at all. They just want to terrorize American communities while they try to recruit someone to against America at large. This is scary. Where is the law? Where is the Government for American people? Where is American Homeland Security? Please help us!

this company calls every day to my home for my daughter that don't live with me, i have told them this, but they still call to harrase me which is wrong because i pay my bills, i have no debt, but still i am harrased. so i got the number to this guys mother company 213-270-6723 and will give them this number every time they call me so they can harrase there employers that pays them to harrase me. the employers are full circle, while now it is a full circle. i employ other to write down this number and do the same. maybe the company will see how annoying they are.