What to do if I got a phone call threatening to send a subpoena from a cash advance scam?

I applied for a cash advance loan on-line. The website said I got denied. A few days later I had $200 in my bank account. I never agreed to anything. I called the company and had them take the money out in the next few business days. And they did. A few weeks later they call me saying they are sending a subpoena to my house under failure to pay and their blocking my social security number and drivers license and sending an investigation crew to my work. Is this legal?

Asked on November 2, 2011 under Bankruptcy Law, Florida

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

If you are getting threatening calls and notices from a debt collection company, the conduct could be in violation of state and federal law for unfair debt collection practices. I would consult with a debt collection attorney about this $200 issue as well as your county's distirct attorney's office.

From what you have written, you sound as though you are being set up for some collection scam that is illegal. I would change your bank account number immediately since they have the number and access to it. It could very well be drained by the debt collection company.


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