Cash loan America – Feasible Collection and Advance Fee Loan Scams

Note: “Advance America” Should Not Be Confused with Advance America, Cash Advance Centers of Washington, LLC, which can be a Lender that is licensed in

The Washington State Department of Financial Institutions (DFI) warns customers never to provide any person that is nonpublic, such as for instance social safety quantity, bank card, or banking account information to virtually any individual, internet site, or business without first verifying their identity and permit status. Consumers can see whether a services that are financial or person is precisely certified to conduct company into the State of Washington utilizing the “Verify a License” function regarding the DFI’s website at Customers may also check always permit status with all the Department of Licensing at

DFI has gotten reports of obvious frauds conducted by people claiming to represent Advance America, money America, advance loan America, advance loan United States Of America, Speedy money, and Advance America payday advances.

Many customers received telephone calls and/or emails from review individuals claiming to represent cash loan America, money America, and Advance America pay day loans where in fact the callers offered loans in return for upfront costs. The callers insisted that they were calling to discuss the consumers’ online payday loan applications although several consumers never applied for a payday loan. One customer stated that, when she declined to wire money towards the caller, the caller threatened appropriate action against her. Various other consumers compensated the upfront charge but failed to have the loan guaranteed. A minumum of one customer additionally received a loan that is similar via email.

Two customers reported finding a call from a person claiming to represent advance loan America. Within one situation, the buyer was told they might get a deposit and was instructed to buy iTunes present cards and deliver them towards the caller. The buyer complied with all the caller’s needs; nevertheless no loan ended up being supplied. The consumer was told to purchase a Google Play gift card from a local retailer in order to prove the consumer could repay the loan in the second case. The buyer purchased a gift that is amazon alternatively as soon as the customer suspected it could be a scam. The customer contacted the representative that is alleged the buyer recognized as Brian Jones. Whenever she told Mr. Jones she bought a new kind of present card the buyer reported that Mr. Jones became really upset along with her.

Several customers were contacted by individuals claiming that a debt was being collected by them owed to cash loan America, Advance America, or Speedy money. One customer reported receiving harassing that is multiple calls. The caller advertised that the buyer owed a financial obligation for a 2007 cash advance but declined to deliver just about any factual statements about the debt. The customer stated that he didn’t sign up for any payday advances in 2007. A consumer received a text message demanding payment in another case. That customer stated that he never ever had a loan.

Two customers reported emails that are receiving people claiming to represent cash loan United States Of America. The e-mails suggested that the customers owed on a alleged financial obligation and needed seriously to spend instantly in order to avoid further action. Both customers reported never getting financing with advance loan United States Of America.

In 2 other cases that are separate customers received a contact that reported the “Semrad attorney” will be managing the collection in the event that customer would not spend funds. One e-mail reported it was from “Kristen Johnson” in the “Accounting Department,” while the other“Nik that is stated Ramon in the “Settlement Department.”

A consumer received a letter that claimed “Pacific Legal Group” would be handling the collection if the consumer did not pay a settlement in another case. The page threatened that a civil action had recently been filed and criminal action and wage garnishment will be forthcoming in the event that settlement quantity had not been paid straight away.


  • Pacific Legal Group, Computer (san francisco bay area, CA)Pacific Legal Group, Computer has provided the after declaration to customers regarding their company tasks: “At the current time, Pacific Legal Group, PC doesn’t have customers in Washington State, but we do provide appropriate representation when you look at the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, Computer will not make any unsolicited phone calls to customers. All telephone calls created from our firm likewise incorporate caller ID with this mail cell phone number: (415) 746-1470.”
  • Pacific Legal Group (Provo, UT)Pacific Legal Group has provided the after declaration to customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California is certainly not related to Pacific Legal Group, a authorized d/b/a/ of Avery Burdsal and Fale, Computer with workplaces in Utah. As the Huntington Beach company has used comparable title, logo design, and font as Pacific Legal Group into the previous, Pacific Legal Group’s website referenced in every communication is Further, all interaction from Pacific Legal Group will additionally reference the Utah contact number (801) 788-4122, and also the workplaces in Utah. Also, we don’t typically do commercial collection agency work.”
  • Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
  • Pacifica Law Group (Seattle, WA)
  • Pacific Legal Group (Bangkok, Thailand)

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often take part in specific practices that indicate these are typically committing a fraudulence or otherwise breaking Washington State legislation. As an example, such entities usually utilize non-business e-mail details (such as for example,, or other comparable easily obtained email addresses) to deliver communication, threaten legal or unlawful action if consumers don’t respond straight away, or have many different typographical and spelling errors within their communication to customers.

Nonetheless, in some instances, e-mails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal such as for instance current or previous details, active cell phone numbers, or social safety figures. The Department encourages customers whom get communications containing private information to contact their banking institutions, credit-reporting agencies, and also the personal protection management to make sure there is absolutely no unauthorized task on the reports.

Business Collection Agencies Laws

In the event that you received financing from a lender or owed money to a small business and somebody except that the financial institution or company is now trying to gather away from you, the collection task could be at the mercy of the federal Fair Debt Collection methods Act (FDCPA). In the event that you be given a interaction from a celebration claiming that a financial obligation is owed, you need to request a “written validation notice,” which must through the quantity of your debt, the title for the creditor your debt, as well as your legal rights beneath the FDCPA. For those who have concerns regarding business collection agencies legislation, contact the Federal Trade Commission at 1-877-FTC-HELP, or on the web at

If some body threatens to garnish your wages, contact your manager, or makes use of threatening, daunting, or language that is offensive report such actions to mention and federal regulators. See below for simple tips to contact the correct state and regulator that is federal.