"Amortization Federal Obligation Debt Collection Lawsuit"

Online users who have received so-called "Amortization Federal Obligation " emails like the one below, which claim that they have been given a chance to settle an ACS Legal Department debt outside of court, should delete the email messages and not follow the instructions in them. This is because the email messages are fraudulent, and 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.

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Amortization Federal Obligation Debt Collection Lawsuit

The "Amortization Federal Obligation" Scam

From: "Collection Department" <collectiondepartment9624@gmail.com>

Date: Mar 21, 2018 9:41 AM

Subject: RE: YOUR LOAN PAYBACK TIME HAS BEEN EXPIRED

March 21st, 2018

Amortization Federal Obligation

Dear:

CASE FILE#: DA-83964747/NY-9067

This is to notify you that going to be legally prosecuted in the Court House within next 24 hours your debt is total remaining balance for $1,460.00.

We have repeatedly advised you of your long overdue balance in the amount of $1,460.00. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you contact us within the next 24 hours. This will be your final opportunity to resolve matters without the expense of court proceedings.

YOU NEED TO DO EVERYTHING POSSIBLE WITHIN TODAY AND TOMORROW TO GET THIS PROCESS DONE BECAUSE I LEARN THAT YOU WERE SENT SEVERAL E-MAIL WITHOUT GETTING A RESPONSE FROM YOU, PLEASE BEAR IT IN MIND THAT THIS IS THE ONLY WAY I CAN HELP YOU AT THIS MOMENT OR YOU WOULD HAVE TO FACE THE LAW AND ITS CONSEQUENCES ONCE IT HAS BEFALL ON YOU.

We are prepared to proceed with legal action. However, our clients would prefer to give you one last opportunity to make payment and avoid legal action accordingly, please remit payment promptly If you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,

IF once your case file gets downloaded inside the court house then you have to pay $4589.00 inside the court house including Court fees, Judge Fees, Attorney fees, extra penalty and lots of more.

If the negative information on your credit report is true, you cannot change the report. The only way to get a better credit report is to improve your spending and bill paying habits. In time your credit report will improve. Credit reports show up to 20 years of negative information.

Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. (M.G.L. c. 93, s. 52).

If your credit is bad, you can work towards building good credit.

(1) Pay back the debt you owe.

(2) Do not borrow money that you cannot pay back.

This file has been listed as a primary suspect returning this by email. I hope this is acceptable.

Please collect on this account promptly.

The confirmed daily interest rate still accruing.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house.

Sincerely,

Amortization Federal Obligation.

Collection Agency/Legal Counsel.

DISCLAIMER:-

The information contained in this communication is privileged, confidential and is proprietary. This email is solely intended for the use of the addressee. Information in this mail is for FCI (Financial Crime and Investigation Department) Usage only. Any use to other than the addressee is misuse and infringement to Proprietorship of FCI (Financial Crime and Investigation Department). If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this email or any action or omission taken by you in reliance on it, is strictly prohibited and may be unlawful. If you have received this email in error, please notify us immediately.

Check the comment section below for additional information, share what you know, or ask a question about this article by leaving a comment below. And, to quickly find answers to your questions, use our search Search engine.

Note: Some of the information in samples on this website may have been impersonated or spoofed.

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Comments, Questions, Answers, or Reviews

Comments (Total: 22)

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October 9, 2018 at 5:34 AM by
"Amortization Federal Obligation Debt Collection Lawsuit"
info

Received via email:

"They have sent me numerous messages but this is the last one I got earlier today. I just wanted to make sure it was a scam because I don’t wana send anyone money that

They don’t need. I’ve been scammed before in the past so just thought you should know. It seems like a scam from what I’ve googled and my sister is a paralegal and in aw school and says it is also.

Carlie

Begin forwarded message:

From: Collection Department <info@amortizationfederalobligation.com>

Date: October 8, 2018 at 7:54:32 PM EDT

Subject: LAW OFFICE : LEGAL ACTION ENFORCEMENT NOTICE

We have given you each and every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you.

Well we are going to meet in the courthouse and pleas higher a federal attorney for you, because you doubt on my company's integrity so batter is that we will fight with you in your district court house.

See you soon there...

,,, GOOD LUCK"

Delete

May 16, 2018 at 8:03 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
an anonymous user from: Cleveland, Ohio, United States

I received the exact same email today. Thank god I decided to do research on it.

Delete

May 1, 2018 at 1:25 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
an anonymous user from: Charlotte, North Carolina, United States

Hello I am being an victim myself and after seeing this website I thank everyone for clearance.

Delete

May 8, 2018 at 3:42 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
an anonymous user from: Pulaski, Tennessee, United States

They have my social security number. Who do I report this to?

Delete

April 19, 2018 at 3:02 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
an anonymous user from: Los Angeles, California, United States

I received the same exact email and I told them that I need to research them because this could be fraud. They sent me a certificate and the address on it is for a shopping center in the city of Hayward.

I think im making them angry because I keep telling them that I need to do my research of my own do to fraud. I don't know how to handle this and get them to go away.

Delete

April 17, 2018 at 9:32 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
info

Just received this email.

- Forwarded message -

From: collection department <collection11department@gmail.com>

Date: Tue, Apr 17, 2018, 4:55 PM

Subject: Re: Your loan payback time has been expired

April 17th, 2018

Amortization Federal Obligation

Dear:

Address:

City:

State:

Zip:

CASE FILE#: DA-83964747/NY-9067

This is to notify you that Jeremy Moore is currently in default under its obligations to Amortization Federal Obligation. In the amount of $1460.00

We have given you more than enough time to complete the payment but you didn't complete the payment.

...

3 Hard allegations have been pressed against your name and your Social Security Number.

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud.

3. Theft by Deception.

IF once your case file gets downloaded inside the court house then you have to pay $4589.00 inside the court house including Court fees, Judge Fees, Attorney fees, extra penalty and lots of more.

If the negative information on your credit report is true, you cannot change the report. The only way to get a better credit report is to improve your spending and bill paying habits. In time your credit report will improve. Credit reports show up to 20 years of negative information.

Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. (M.G.L. c. 93, s. 52).

Our company would prefer to give you one last opportunity to make payment and avoid legal action, please remit payment promptly,

IF you want to settle this account without any legal procedures we can provide you a payment arrangement to resolve this matter.

1) We will accept four (4) Installments $365.00 payments every other weekly.

2) Two (2) Installments $630.00 payments every month.

3) Settlement one time full payment: $1,050.00 today to close your case file.

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,

Thank You.

Sincerely,

Amortization Fedeal Obligation.

Collection Agency/Legal Counsel.

Delete

April 12, 2018 at 9:16 AM by
"Amortization Federal Obligation Debt Collection Lawsuit"
info

Here is another scam:

- Forwarded message -

From: Collection Department <collectiondepartment9824@gmail.com>

Date: Thu, Apr 12, 2018, 7:50 AM

Subject: Your loan payback time has been expired

Company Name: Amortization Federal Obligation

Amount due: $1,460.00

Case File#: DA-83964747/NY-9067

Name:

S.S.N:

This is to notify you that JALIL TOWNSEND, currently in default under its obligations to Amortization Federal Obligation. In the amount of $1,460.00

Despite our previous notice (s), we still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of (1,460.00) on or before 04/13/2018, we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our client, please find the full debt amount and additional costs below.

Principal Amount: (500.00)

Late fees Penalty fees & interest: (960.00)

Total: (1,460.00)

We have repeatedly advised you of your long overdue balance in the amount of $1,460.00since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit you have to contact us within the next Two (2) Days. This will be your final opportunity to resolve matters without the expense of court proceedings.

Our company would prefer to give you one last opportunity to make payment and avoid legal action.

At this time your case file has been marked as a primary suspect (FDCPA- USC 1692d] § 806 (5), so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [15 USC 1692c] § 805 (b) you need to check it out or you can also ask for any federal attorney,

This file has been listed as a primary suspect returning this by email. I hope this is acceptable.

Please collect on this account promptly.

Financial and personal contact information are current per our skip trace.

Personal information regarding this account obtained with a recent skip trace:

Debtor:

SSN:

DOB: 1993-08-05

Driving License#: T16876985

Address:845 wagonWheel ln COPPERAS COVE TX 76522

Should your payment not be received within the next two days starting from 04/11/2018, to 04/13/2018, immediate court actions will take place, We still trust court actions will not be necessary and look forward to receiving payment by return.

IF once your case file gets downloaded inside the court house then you have to pay $4589.27 inside the court house including Court fees, Judge Fees, Attorney fees, extra penalty and lots of more.

If you have any questions or wish to discuss this matter, please Email us immediately.

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,

Thank you for your prompt attention to this matter.

Yours faithfully,

Amortization Federal Obligation.

Collection Agency/Legal Counsel.

Delete

April 12, 2018 at 5:53 AM by
"Amortization Federal Obligation Debt Collection Lawsuit"
info

Received via email:

"I have received a lot of these emails since Dec2017. They keep changing their email address but I have kept all in a folder labeled scam.alert :).

This time they put a s.s.n # that doesn't belong to me. They are also using an address I haven't lived at for a while and has put the wrong name on a couple emails. I replied and didn't get a response just more emails. The amounts owed have also changed throughout the different emails They send.

I have been forwarding these emails to another complaint company:(Complaints@oladc.org)

but it hasn't stopped. I block them and they just use a different Gmail.

I Have never heard of them or any company they are affiliated with and I've never sent any money.

Thank you,

Dana

- Forwarded message -

From: "COLLECTION DEPARTMENT" <collectiondepatment193@gmail.com>

Date: Apr 11, 2018 7:40 AM

Subject: LEGAL NOTICE FOR YOUR PAST DUE ACCOUNT

Company Name: Amortization Federal Obligation

Amount due: $1,460.00

Case File#: DA-83964747/NY-9067

Name:

This is to notify you that Dana Miller, currently in default under its obligations to Amortization Federal Obligation. In the amount of $1,460.00

Despite our previous notice (s), we still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of (1,460.00) on or before 04/13/2018, we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our client, please find the full debt amount and additional costs below.

Principal Amount: (500.00)

Late fees Penalty fees & interest: (960.00)

Total: (1,460.00)

We have repeatedly advised you of your long overdue balance in the amount of $1,460.00since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit you have to contact us within the next Two (2) Days. This will be your final opportunity to resolve matters without the expense of court proceedings.

Our company would prefer to give you one last opportunity to make payment and avoid legal action.

At this time your case file has been marked as a primary suspect (FDCPA- USC 1692d] § 806 (5), so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [15 USC 1692c] § 805 (b) you need to check it out or you can also ask for any federal attorney,

This file has been listed as a primary suspect returning this by email. I hope this is acceptable.

Please collect on this account promptly.

Financial and personal contact information are current per our skip trace.

Personal information regarding this account obtained with a recent skip trace:

Debtor:

SSN:

DOB: 1981-07-22

Driving License#:

Address: 2800 rosewood cv, SAN MARCOS, TX, 78666

Should your payment not be received within the next two days starting from 04/11/2018, to 04/13/2018, immediate court actions will take place, We still trust court actions will not be necessary and look forward to receiving payment by return.

IF once your case file gets downloaded inside the court house then you have to pay $4589.27 inside the court house including Court fees, Judge Fees, Attorney fees, extra penalty and lots of more.

If you have any questions or wish to discuss this matter, please Email us immediately.

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,

Thank you for your prompt attention to this matter.

Yours faithfully,

Amortization Federal Obligation.

Collection Agency/Legal Counsel."

Delete

May 8, 2018 at 3:44 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
an anonymous user from: Pulaski, Tennessee, United States

They have my social security number. I'm very concerned about this.

Delete

May 8, 2018 at 5:51 PM by
"Amortization Federal Obligation Debt Collection Lawsuit"
info

Report it to the police.

Delete

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Pay the safest way

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Guard your personal information

In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Be careful of the information you share

Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with

Know who you’re dealing with

Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Check your accounts

Regularly check your account transactions and report any suspicious or unauthorised transactions.

Don’t believe promises of easy money

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Do not open email from people you don’t know

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Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

Before providing any personal information, such as your date of birth, Social Security number, account numbers, and passwords, be sure the website is secure.

Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

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Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

Update the operating systems on your electronic devices

Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • Identitytheft.gov: If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at www.identitytheft.gov. This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

  • say they’ve noticed some suspicious activity or log-in attempts — they haven’t
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  • include an invoice you don’t recognize — it’s fake
  • want you to click on a link to make a payment — but the link has malware
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"Amortization Federal Obligation Debt Collection Lawsuit"