Colorado Department of Law
Attorney General John W. Suthers
FOR IMMEDIATE RELEASE
June 22, 2010
Mike Saccone, Communications Director
ATTORNEY GENERAL WARNS CONSUMERS ABOUT
FRAUDULENT COLLECTION CALLS LIKELY ORIGINATING FROM OVERSEAS
DENVER — Colorado Attorney General John Suthers warned consumers today that his office has
received reports of fraudulent and threatening debt-collection calls. The calls often involve a supposed
payday loan debt consumers have allegedly incurred. The callers, who resort to threatening tactics, use a
variety of business names and have even invoked the Office of the Attorney General or the name of the
Attorney General to swindle consumers.
“Consumers have reported to us that these debt-collection fraudsters are employing a variety of tactics in
an attempt to commit theft,” Suthers said. “Colorado law affords consumers protections against fraudulent
or abusive debt collectors. Consumers should not hesitate to report any instances of debt-related fraud or
threats to my office as well as local authorities.”
According to the complaints, the fraudulent debt collectors threaten consumers with legal action unless
they make immediate payment of their debts. The callers, whom consumers report have a variety of
foreign accents, often claim to be an “officer” and have basic personal information about the consumers
they contact, including their name, address and the last four digits of their Social Security number.
Consumers report that the calls come from a variety of area codes, likely indicating that they originate
The fraudsters use a variety of generic and government-sounding company names, including:
Affidavit Consolidation Services; National Affidavit Processing
American Law Division; Center/Department;
Crime Protection & Investigation; National Bureau of Crime Investigations;
Cyber Crime Division; National Check Restitution;
Department of Law & Investigations; National Criminal Center;
Federal Fraud Investigations; United Client Suspect Department;
Federal Investigations Company; United Financial Crime Department;
Federal Crime Investigations; United Nation Legal Department;
Criminal Bureau of Identity; U.S. Crime Suspect Department; and,
Investigation Services; U.S. Justice Department/Payday Loan
According to the Office of the Attorney General’s Consumer Protection Section, consumers should bear
in mind when they deal with debt collection agencies:
If a collection agency or debt collector threatens you in any way, hang up and file a complaint with the
Office of the Attorney General.
If a collection agency or debt collector declines to provide you with a record of the debt, hang up and file a
If you dispute a debt a collection agency attributed to you in a timely fashion, the collection agency must
provide some proof that you actually owe the debt before contacting you again.
If you would like to have a collection agency stop calling you at work or home, you must send a letter to
the collection agency. A phone call is not sufficient. Once a collection agency receives your letter, they are
barred from contacting you.
If you inform a debt collector that you are not the subject of the debt, they must stop calling you.
You do not have a right to make partial payments unless the collection agency agrees to such an
When dealing with debt collectors, keep copies of all of your correspondence, including any payments.
After you have asked a debt collection agency to stop contacting you, for whatever reason, they may only
contact you via a lawsuit.
Consumers who believe they have been defrauded or harassed by a debt collection agency, real or fake,
should file a complaint online at www.coloradoattorneygeneral.gov/complaint, over the phone via 303-
866-5304 or by e-mail to email@example.com. Consumers also should file a complaint with the Federal Trade
Commission online at www.ftccomplaintassistant.gov, over the phone via 1-877-FTC-HELP (1-877-382-
4357) or through the mail via Federal Trade Commission, Consumer Response Center, 600 Pennsylvania
Avenue, NW, Washington, DC 20580.