About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 30 years experience negotiating disputes and resolving financial issues related to consumer debt, corporate debt, and mortgage restructuriing.
Question I have been receiving phone calls frompeople who do not speak English very well, (Indian, Iranian, or foreign) but they have very English names such as Billy Crawford or Bryan Adams. They claim that in 2005 I took out a pay day loan and closed the account before they received payment on it. They are saying they are going to file federal check fraud charges, and several other charges. This lawsuit is supposed to be filed today. They have threatened me and told me that I am going to jail, lose me kids, my job, etc. They have even called my work. I actually payed them $4,200 in Feb. and $285 at the beginning of July. (I know, stupid, huh) Well, I called my attorney general, local sheriff's dept, a laywer, filed a FTC complaint and so on because after doing a little research I found hundreds of similar complaints. They still are calling and will not give me any information at all. I have asked for the company name (which is the only thing they will give me) it is US national bank the united investigations division. Am I right to think this is a scam? I have quoted federal collecting laws to them and they keep telling me that these laws do not apply to internet businesses. Am I going to be sued?
Answer This is absolutely a scam. You may need to close your checking account and open a new one if they have your routing number. Never pay them another dime. You will probably never see your money again but you need someone to get on the phone with you and them to shut them up. You are safe and will not be sued or arrested.
