Advance loan America – Feasible Collection and Advance Fee Loan Scams

Advance 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 will be a Lender that is licensed in

The Washington state dept. of Financial Institutions (DFI) warns customers never to provide any person that is nonpublic, such as for instance social protection quantity, charge card, or bank-account information to virtually any specific, internet site, or business without first verifying their identity and permit status. Consumers can see whether a economic services business or individual is properly certified to conduct company when you look at the State of Washington using the “Verify a License” function in the DFI’s website at Customers may also check always permit status utilizing the Department of Licensing at

DFI has gotten reports of obvious frauds carried out by people claiming to express Advance America, money America, cash loan America, cash loan United States Of America, Speedy Cash, and Advance America pay day loans look here.

Many consumers received calls and/or emails from individuals claiming to represent advance loan America, money America, and Advance America pay day loans where in actuality the callers offered loans in return for upfront costs. Although a few customers never sent applications for an online payday loan, the callers insisted which they had been calling to talk about the customers’ pay day loan applications. One customer stated that, whenever she declined to wire cash towards the caller, the caller threatened action that is legal her. Some other customers compensated the upfront charge but failed to get the loan guaranteed. One or more customer also received a loan that is similar via e-mail.

Two customers reported getting a call from a person claiming to represent advance loan America. The consumer was told they would receive a deposit and was instructed to purchase iTunes gift cards and send them to the caller in one case. The buyer complied with all the caller’s needs; nonetheless no loan had been 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 customer bought A amazon present card alternatively whenever customer suspected it may possibly be a scam. The buyer contacted the representative that is alleged the buyer recognized as Brian Jones. She purchased a different type of gift card the consumer stated that Mr. Jones became very upset with her when she told Mr. Jones.

A few customers had been contacted by individuals claiming that a debt was being collected by them owed to advance loan America, Advance America, or Speedy money. One customer reported receiving harassing that is multiple calls. The caller reported that the customer owed a financial obligation for a 2007 cash advance but declined to deliver just about any information regarding your debt. The buyer stated that he would not sign up for any pay day loans in 2007. An additional situation, a customer received a text demanding repayment. That customer stated that he never ever had a loan.

Two customers reported getting email messages from people claiming to represent cash loan United States Of America. The email messages suggested that the customers owed for a alleged financial obligation and had a need to spend instantly in order to prevent further action. Both customers reported never ever getting that loan with advance loan United States Of America.

In 2 other separate situations, customers received a message that reported the “Semrad attorney” could be managing the collection in the event that customer would not spend funds. One e-mail stated it was from “Kristen Johnson” when you look at the “Accounting Department,” while the other reported “Nik 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 the action that is civil been already filed and unlawful action and wage garnishment could be forthcoming in the event that settlement quantity had not been compensated instantly.


  • Pacific Legal Group, Computer (san francisco bay area, CA)Pacific Legal Group, PC has provided the statement that is following customers regarding their business tasks: “At the current time, Pacific Legal Group, PC doesn’t have customers in Washington State, but we do provide appropriate representation into the Ninth Circuit Court of Appeals to Washington State residents. Pacific Legal Group, PC will not make any unsolicited phone calls to consumers. All telephone calls produced from our company likewise incorporate caller ID with this mail 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, an authorized d/b/a/ of Avery Burdsal and Fale, Computer with workplaces in Utah. Even though the Huntington Beach business has used name that is similar 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 reference the Utah also contact number (801) 788-4122, as well as the workplaces in Utah. Also, we usually do not 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 email details (such as for example,, or other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or action that is criminal customers usually do not respond straight away, or have many different typographical and spelling mistakes inside their communication to customers.

Nevertheless, on occasion, emails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal such as for example present or previous details, active cell phone numbers, or social safety numbers. The Department encourages customers whom get communications containing information that is personal contact their banking institutions, credit-reporting agencies, in addition to personal protection management to make certain there’s absolutely no unauthorized task on the reports.

Debt Collection Laws

In the event that you received that loan from a lender or owed money to a company and somebody aside from the lending company or company is now wanting to gather away from you, the collection activity might be susceptible to the federal Fair Debt Collection techniques Act (FDCPA). In the event that you be given a interaction from a celebration claiming that the financial obligation is owed, you really need to request a “written validation notice,” which must range from the quantity of your debt, the title associated with creditor your debt, as well as your liberties beneath the FDCPA. For those who have concerns regarding business collection agencies laws and regulations, contact the Federal Trade Commission at 1-877-FTC-HELP, or on the web at

If somebody threatens to garnish your wages, contact your manager, or makes use of threatening, daunting, or unpleasant language, report such actions to convey and federal regulators. See below for how exactly to contact the correct state and federal regulator.