Is a Scam? Calls

Got calls from Christopher Adams of D R & Associates, LLC several times (10+) a day from several different numbers at work, home, cell phone, family member’s phones, etc…. Shows up as "Law Offices" (different numbers with different area codes: 407, 310, 305, 435, 442, 872, 800, 647 [Toronto], 917, 405, 651, ), "Byron", "Wireless Caller", "Bonenfeat", and from numbers very similar to my phone number. Never leaves a message what it is about but sometimes the message says, "skip tracing". When I call back it says there is no account with my number to please enter another number or my SS number. I would never give anyone my SS number. Does anyone know if this is a scam or can provide more information? If so, please comment below

Is a Scam? Calls


1 (888) 451-9670

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Comments (Total: 136)

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November 25, 2020 at 11:22 AM by an anonymous user from: Downtown Indianapolis, Indianapolis, Indiana, United States

I keep getting calls for a payday loan as well and I have no payday loan I turned all of my debt over to freedom debt relief three years ago and they handle all negotiations and legal matters for me. The payday loan places were closed down over 10 years ago where I live and I know I never had one of those. I keep blocking the number and they keep calling from a different number and area code. So tired of the harassment and scams


November 20, 2020 at 1:54 PM by an anonymous user from: North Brookhaven, Atlanta, Georgia, United States

I keep getting calls from this same company from "Peter" for a supposed payday loan. Different area codes and now from an 800 number. I wish they would get a life!


November 2, 2020 at 12:15 PM by an anonymous user from: Lyndon, Michigan, United States

Christopher Adams keeps calling me over and over and over..claiming I have a payday loan with cornerstone... never heard of them..SCAM SCAM SCAM..


October 28, 2020 at 4:46 PM by an anonymous user from: Dallas, Texas, United States

They keep calling at my office!


October 27, 2020 at 6:53 PM by an anonymous user from: Los Angeles, California, United States

I'm in a bankruptcy, why they are calling me is questionable


October 27, 2020 at 9:19 AM by an anonymous user from: Newark, New Jersey, United States

Got my first call from them today and the vm was from a “Christopher Adams” acting like I don’t take debt seriously... there needs to be some kind of organization that can investigate these kinds of scams before they prey on our elderly and uninformed! It’s not right, some of these companies are out of control! Years ago, one managed to find my cousin’s grandmother’s phone number, one I hadn’t seen since I was a child and that poor woman called everyone in my family until she spoke to my sister, asking if I was okay. She was afraid I was headed to jail by the insinuations of these spam voicemails!


October 27, 2020 at 9:49 PM by an anonymous user from: Eustis, Florida, United States

I got the same calls of many. Also from Christopher Adams. At least 8 times from 8 different area codes.


October 26, 2020 at 4:00 PM by an anonymous user from: Birdsboro, Pennsylvania, United States

I recommend that the previous post about filing a complaint with the Consumer Financial Protection Bureau be pinned ( That is about the only recourse you have aside from blocking the call or more general these types of calls with services from your phone carrier, apps like NoMoRobo and/or using your phone's internal call block feature (the last of which is ineffective because of changing numbers).

Also, on a day when you have already received multiple calls like that, try restarting your phone. I cannot prove it or explain from a technology perspective, but it seems to have helped with similar situations.

The website itself reveals that it was registered 2 years ago, so it's not a fly-by-night scheme (although it might have been registered but not used for 2 years, a newer tactic employed by criminals now). The website has an SSL certificate from Comodo, which doesn't speak for them properly vetting the businesses they 'certify'.

The website also doesn't have a privacy policy or Terms of Use, which mean they are out of compliance and technically, if they were a real company, we could sue them in turn...


October 26, 2020 at 2:55 PM by an anonymous user from: Taylorsville, Kentucky, United States

I went to their website to see who they were trying to collect money for. It turns out it is a bogus online payday loan company I supposedly owed money to. DRA may be a legit company but they are collecting for fake companies.


October 26, 2020 at 12:55 PM by an anonymous user from: Roseville, California, United States

This must be a scam, I don't owe anyone, so he must be trying to scam me.


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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

If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, it’s probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true.

Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

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

Strong passwords are critical to online security.

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.
  • 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 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
  • claim there’s a problem with your account or your payment information — there isn’t
  • say you need to confirm some personal or financial information — you don’t
  • 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
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

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Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

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Is a Scam? Calls