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"Advance America Debt Collection Lawsuit" Scams

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"Advance America Debt Collection Lawsuit" Scams

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The so-called "Advance America" email below, which claims the recipients' accounts remain past due because their so-called payments have not been received, is a scam. Therefore, recipients of the same email messages are asked to delete them and should not follow the instructions in them. The fraudulent emails are being sent by scammers to trick the recipients into sending them money believing that they will be sued for money owed and their credit history tarnished.

Sample of an "Advance America Debt Collection Lawsuit" Scam

From: Kimberly Perry <kimberly.perry@instantcashforu.net>

Sent: Tuesday, January 9, 2018 8:13:42 AM

Subject: Loan Account CSU-5309221 Red Stamped

January 9,2018

Invoice Number: CSU-5309221

Amount Due: $986.45

Legal Process Begins: January 12th 2018

Dear Customer,

As of this date, your payment has not been received, and thus your account remains past due.

Unless you promptly cure the default on this account, it will be forwarded to our legal department.

We urge you to make immediate payment of the above past due amount.

To avoid the collections process, please ensure that we receive payment before the “Legal Process Begins” date printed above. Contact us if you need a settlement or payment arrangement.

Please be advised that nothing in this letter is intended to waive any rights or remedies available to us under your contract, at law or in equity, all of which are expressly reserved.

Thank you for your attention to this matter.

Manager

Advance America

Note: Some of the names, addresses, email addresses, telephone numbers or other information in samples on this website may have been impersonated or spoofed.

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Comments, Questions, Answers, or Reviews
(Total: 19)

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  • August 9, 2019 at 7:11 AM by an anonymous user from Seattle, Washington, United States

    Help me, you scammed me. You took everything from me. I am 76 years old. Someone help me please.

    remove

  • July 4, 2019 at 1:09 PM by an anonymous user from Lancaster, California, United States

    I got a text message from an attorney working for advance America saying that I owe them money and that they will take me to court within the next few days and they will file a case against me.

    I don’t remember taking a loan from them.

    They told me that they don’t take credit cards and I need to go to Walmart and a google play card and have the money put on the cards.

    If I didn’t do this they would take me to court call my employer etc.

    doesn’t this seem like a scam!

    I asked for documentation of the loan but never gave me any.

    They told me that they taking me to court.

    I have taken out payday loans before but I do not remember if it was ever from them.

    I assume that if they send me documentation it could be a fraud letter.

    They insist they are a big law firm.

    What should I do?

    They kept texting me for over six hours

    remove

    • July 4, 2019 at 1:51 PM by info

      It is a scam. Just ignore them. The giveaway is that they ask you to buy Walmart and Google Play cards. No legitimate company will ask for payment via Walmart or Google Play cards.

      remove

  • June 10, 2019 at 10:28 AM by an anonymous user from Conway, South Carolina, United States

    Below is the email I got today. Note there is no name in the signature field, the vocabulary is incorrect and unprofessional in several areas. I also asked for a copy of the original agreement and they cannot provide it so I told them I have happily forwarded this email to the federal internet fraud investigation department and to my attorney. No reply!

    "This is the final notification regarding your loan account with Advance America Corporation.

    Loan Account # AA-24857-0256

    Due Amount- $1078.00

    Settlement Amount-$500(Till June 21st 2019)

    We already contact you several times regarding your unpaid loan account but failed to receive any response from your side.

    As of now, we are ready to file a lawsuit against you and report this to major credit bureaus and also inform IRS regarding this lawsuit.

    You will have to face severe consequences like:

    1. You might be immediately sacked by your employer as they will be notified.

    2. Your credit will be ruined.

    3. Your wages can be garnished.

    4. Your bank accounts/credit cards will immediately freeze.

    5. IRS will put a hold on your Tax return.

    Before proceeding ahead, this is your final chance to settle this debt outside courthouse.

    We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not?

    We are also willing to provide you with a payment arrangement or onetime settlement according to your convenience.

    Please respond ASAP as you merely got two business days to respond.

    Note-Advance America is the parent company of Cash Advance, CashNetUSA, Onleclickcash, Speedycash, AmeriCash Loans,100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance and many more.

    Thank you"

    remove

  • March 13, 2019 at 8:00 AM by an anonymous user from Harrisburg, Pennsylvania, United States

    I'm getting harassment letter about owing this company money.

    Referred to Attorney General's Office and Better Business Bureau

    I owe them nothing, have not done business with them, no deposits to my account, no paperwork ever initiated.

    I want the harassment memos to stop.

    remove

  • February 23, 2019 at 9:50 AM by an anonymous user from Birmingham, Alabama, United States

    I was going through a very depressing time and was not on my game at the time.

    I was called by the "scammers" over one year ago and told that I owed money to advance America.

    I remembered that I had done business with them years before and I remembered that one of the women in the office ended up having a vendetta with me and may have not put all of the money on the account because later she was convicted of fraud when working with another company. so I thought that I could owe them. The callers were so harsh, until I ended up like a fool giving them the card info and paid $843.oo in three payments.

    I did not realize that it was a scam until 3 days ago I got a call again and it stated that there was a lien against my income taxes. I was like go ahead I pay them every year anyway.

    Then the guy kept on I gave him the name of a friend that is an attorney. he told me not to hang up because that would indicate that I did not want to pay.

    I waited on the line and then he said a few more things and I told him to call the attorney.

    meanwhile I was trying to get as much information as I could so that I could contact the FTC or someone that could use the information.

    we disconnected the call and then immediately a man, with the same tactics that he used before and the same name from before started telling me that he had just left my house and he was on his way to my job

    he said that there was no one at my home.

    I told him to come on to my job. but I

    know that he hadn't come to my home because he said no one was there but there were 4 painters at my house on the outside painting my house purple and my husband was on the outside of the house.

    please do not get caught up in this scam.

    remove

  • January 11, 2019 at 1:48 PM by an anonymous user from Chester, New York, United States

    Here's an email we got just a couple of days ago:

    "From: Jacob Lichtenberger <jacob@davidsonlawgroup.net>

    Dear Customer:

    We tried contacting you several times in regards to clear your outstanding loan account with Advance America of $300.00 taken out in November 2016 and has now accumulated to over $900.00.

    To date, you've failed to respond.

    Now we have no alternative but to refer your account to our attorney for collection.

    Once your account has been sent to our attorney, you'll be responsible for all attorney fees and litigation costs involved in collecting your outstanding balance - which will result in a total of over $8,000.00.

    To avoid attorney's fee and litigation costs, we are offering a one-time settlement of $400.00 which must be made before January 12, 2019.

    The preferred mode of payment is through One Vanilla Visa Card, as this is the only mode of payment we are allowed to accept as per FDCP act. All you have to do is get a One Vanilla Visa Card and load $400.00. These cards are available at most major retailers and stores.

    Afterward, kindly e-mail us the following information so that we can process your payment. 16 digit Vanilla Visa Card Number, Expiration date of card, and CVV (3 digit code on the back of the card). This $400.00 settlement offer is a one-time offer and if we have not received this by January 15th, you will be liable for all attorney fees. Note: You merely have 48 hours to resolve this issue.

    Thank you

    Manager

    Accounts and Billing

    Advance America"

    I must say they were very persistent, but when I told them I had never heard of this company and never had taken a loan out from them - so they might as well get their lawyer on the ball to start collection proceedings - I've not heard from them again.

    I even offered to have OUR lawyer get with THEIR lawyer to resolve this - they did not like that idea and would not give me any attorney phone numbers or address. WHAT A SCAM!

    remove

  • January 10, 2019 at 8:08 PM by an anonymous user from Bedminster, New Jersey, United States

    I have one from Advance America over 14 years ago saying they will summons me to court to pay a Balance owed. That was mailed to me from California.

    remove

  • December 4, 2018 at 6:25 PM by info

    Here is another scam:

    "From: Lavonte Whitehall <lavonte.whitehall@nationalcashadvanceloan.biz>

    Sent: Tuesday, December 4, 2018 11:22 AM

    Subject: Possible Legal Action

    Date: December 04 2018

    Dear Debtor,,

    We are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by December 08 2018, your file will be referred to our attorney for possible legal action.

    If you wish to avoid legal action and the possibility of incurring court costs, attorney's fees, and considerable inconvenience, remit payment for $991.67 or contact us to discuss reasonable arrangements to do so.

    If this matter is not resolved by June 1, 2018, all further correspondence will need to be made through our attorney.

    Warm Regards,

    Manager

    Advance America"

    remove

  • November 1, 2018 at 2:18 PM by info

    Here is another scam:

    -------- Original Message --------

    Subject: CASE FILE#: C-203991

    From: Rafael Villegas <rafael.villegas@payday1.cash>

    Sent: Thursday, November 1, 2018, 12:48 PM

    This is the final notification from our side.

    If payment is not received within 48 hours then the case will be downloaded against your name and social on Tuesday, November 6th, 2018.

    The legal charges are under Section 9 and chapter 19.

    Once the case gets downloaded you will receive the court summon at your doorstep.

    For settlement, payment arrangement or any other queries feel free to contact us.

    Thank You.

    Manager

    Legal Department

    Advance America

    remove

  • October 26, 2018 at 2:11 PM by an anonymous user from Rochester, New York, United States

    I get these all the time, I got the one below this morning. They go into my Junk Folder. I wish there was a way to stop this, but alas, here it is. I always hope no one falls for this, because they can be quite threatening and persistent.

    "Dear Customer,

    We still have no response from our emails nor from the letters that we sent you.

    Your entire account is now seriously past due: It is obvious that our efforts to clear the account on a mutually agreeable basis have had no impact. Unless we receive payment from you within seven days, or can work out a mutually agreeable arrangement/Onetime Settlement to discharge this obligation, we will have to report the matter to the credit bureau.

    Subsequently, the account will be turned over to our attorneys for further action. Since this is a costly procedure for both of us, and will cause serious damage to your credit rating, We would suggest that you get in touch with us immediately so that we can clear the matter at once without resorting to such procedures.

    Very truly yours,

    Manager

    Collections Department

    Advance America."

    remove

  • October 12, 2018 at 2:17 AM by an anonymous user from Scranton, Pennsylvania, United States

    Hi, I recently had this email sent to me and it went to my spam emails. I didn't find it until today and want to know if it is legit. I had some loans with Advance America years ago, but I thought that they were all settled. Thank You for your help!

    "Commencement of Legal Action

    Lavonte Whitehall <lavonte.whitehall@nationalcashadvanceloan.biz>

    Sep 13 at 11:41 AM

    Dear Customer,

    We tried to contact you several times in regards to your unpaid loan account with "Advance America" but till now we have not received any response from your side.

    As of now the only option left with us is to take legal action against you.

    A legal action may hamper you in following ways:

    Your Employer will be contacted as you mentioned their information while taking the loan. It was mentioned in the loan agreement that the Company has full rights to contact your Employer in case of non-payment of loan.

    Your wages can be garnished.

    The references provided by you will be contacted and they might have to appear in the Court House as their names were mentioned in the loan application too. It was mentioned in the loan agreement that the Company has full rights to contact the references in case of non-payment of loan.

    Social Security Administration will be notified regarding this fraudulent activity which might result in blocking of your socials.

    Your Bank accounts/credit cards will be frozen.

    Major Credit reporting agencies will be notified regarding this loan account which may ruin your Fico score.

    Once you are found guilty into the Court House then you have to bear the entire cost for this lawsuit $7289.65 which is excluding loan amount, attorney's fees, and the interest charges.

    This is the final opportunity for you to resolve this issue before commencement of legal action.

    For any queries, concerns, bill, payment arrangement and one-time settlement, you can simply email us back. We will be happy to assist you further.

    Thank you.

    Collections Department

    Advance America .

    (214) 884-8979"

    remove

    • October 12, 2018 at 3:08 AM by info

      It is not legit, it is a scam.

      remove

  • September 13, 2018 at 5:37 PM by info

    Here is another scam:

    ---------- Forwarded message ---------

    From: Steve Miller <steve.miller@franklin-law-group.cc>

    Date: Thu, Sep 13, 2018 at 11:31 AM

    Subject: Lawsuit will be filled

    Dear Debtor,

    This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter.

    Just in case we do not hear back from you within 24 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts.

    For any queries feel free to revert back.

    Warm Regards,

    Manager

    Legal Department

    Advance America

    (214) 884-8979

    remove

    • September 20, 2018 at 8:45 AM by an anonymous user from Tucson, Arizona, United States

      I Got the same email, same phone number claiming I owed for a loan I never took out. Just for fun, I called the number and got a recording so I hung up.

      I must say, a couple minutes later I got a callback. The man, who had a very thick middle eastern accent, indicated I had taken an online loan and owed over 900 dollars. I told him I had no knowledge of this loan and would like validation of the debt from him by emailing me a copy of the original contract. He said he could not since it was done online. I said he should still have a copy of the original disclosure page with my name, loan amount, amount of payments and electronic signature. I told him, no document, no claim. I haven't heard back from him.

      remove

  • June 12, 2018 at 12:16 PM by info

    Here is another scam:

    "From: John Ferrer <john.ferrer@instantcashforu.net>

    Date: June 8, 2018 at 9:49:50 AM CDT

    Subject: CASE FILE#: C-187549

    You are several payments behind on the payday advance provided to you at the time of your need.

    This is the final notification from our side.

    As we didn't receive your payment so we are going to file this case against you by Today Friday, June 8, 2018, at your district courthouse.

    To know the courthouse kindly visit http://www.uscourts.gov/court-locator with your zip code

    The legal charges are under Section 9 and chapter 19.

    You will be served with a notice to appear at your district courthouse in next seven business days.

    You can still avoid this case by making a payment towards your total outstanding or else this case file will be executed as mentioned.

    Regards

    Manager

    Legal Department

    Advance America."

    remove

  • June 6, 2018 at 1:03 PM by info

    Here is another scam:

    "From: ACS LOAN [mailto:acs.payday.collectors.legal@gmail.com]

    Sent: Tuesday, June 05, 2018 12:53 PM

    To: ACS LOAN

    Subject: ARREST WARRANT ISSUED!

    CASE FILE NUMBER: ID-PLCEN 586424/467;

    DUE AMOUNT: $300.00.

    This is [Paul David] from [Advance America]. This e-mail is to notify you that under IC3 (Internet Crime Complaint Center) we have Registered Case against you. We tried to contact you several times but it seems apparent that you have chosen to ignore all our efforts. After sending the legal notice to your local Law Enforcement and your current employer, you will be blacklisted from getting any job.

    UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

    (1) VIOLATION OF FEDERAL BANKING REGULATION

    (2) COLLATERAL CHECK FRAUD

    (3) THEFT BY DECEPTION,

    this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. Through IRS (Internal Revenue Service) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold.

    Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won’t be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions, however, we wanted to contact you and give you last chance to resolve this case out of court. If you want to take care of this out of court then contact us with payment within 48 hours and we will release the Clearance Certificate from the court. Our intention is not to threaten you, it is only an effort from our-side to settle this case outside the court.

    IF YOU WANT TO RESOLVE THIS MATTER;

    DO REVERT US ASAP.

    [Advance America] Copyright

    2018 | Privacy | Terms of use"

    remove

  • February 5, 2018 at 11:24 AM by an anonymous user from San Diego, California, United States

    Rec'd the exact letter from a Ms. Perry:

    "From: Kimberly Perry <kimberly.perry@instantcashforu.net>

    Sent: Tuesday, January 9, 2018 8:13:42 AM

    Subject: Loan Account CSU-5309221 Red Stamped

    January 9,2018

    Invoice Number: CSU-5309221

    Amount Due: $986.45

    Legal Process Begins: January 12th 2018

    Dear Customer,

    As of this date, your payment has not been received, and thus your account remains past due. Unless you promptly cure the default on this account, it will be forwarded to our legal department.

    We urge you to make immediate payment of the above past due amount. To avoid the collections process, please ensure that we receive payment before the “Legal Process Begins” date printed above. Contact us if you need a settlement or payment arrangement.

    Please be advised that nothing in this letter is intended to waive any rights or remedies available to us under your contract, at law or in equity, all of which are expressly reserved. Thank you for your attention to this matter.

    Manager

    Cash Advance USA"

    remove

  • January 13, 2018 at 1:59 AM by info

    Here is another scam:

    "From: Seth Taylor <seth.taylor7@aol.com>

    Sent: Wednesday, July 19, 2017 8:51:55 AM

    Subject: ATTORNEY TAMMY DICKINSON

    CREDITOR: ADVANCE AMERICA

    CASE NO: ABD55678/15

    ATTENTION :Carryl Womack,

    AMOUNT OUTSTANDING: $647.34

    This Proceeding issued on you Docket No: - ABD55678/15 with one of CASH ADVANCE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of “THE GILBERT LAW FIRM” has decided to mark this case as a flat refusal and press legal charges against you.

    We have sent you this warning notification about legal proceedings on March 14, 2016 but you failed to respond on time now it’s high time if you failed to respond in next 2 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.

    We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $8679.68 and will be totally levied upon you and that would be excluding your attorney charges.

    Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

    This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.

    By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

    KINDLY CONTACT OUR ATTORNEY TO SETTLE YOUR CASE OUTSIDE OF COURT HOUSE :mailto:tammy.dickinson4@gmail.com

    Sincerely,"

    remove

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"Advance America Debt Collection Lawsuit" Scams