Each day we receive too many telemarketing calls and most do not apply to us; mortgage refinancing, merchant charge card fees, national advertising, etc. This week, I got something I thought was original. A man called the office asking for my husband, James. Since Jim was with a client, I offered to take a message. The man refused to give his name, but said he was a process server and by law had to make a courtesy call to announce he was coming by with a court summons. Since I thought process servers generally surprise their targets, I was immediately suspicious.
Mr. No Name claimed Jim had committed multiple felonies by failing to pay a bill, but if I called Mr. Klein, a private detective at a New York telephone number and arranged payments, then Jim could avoid court trial and possible jail sentence. I admit over 35 years of marriage, not every bill was paid on time, but ALL were paid. I was beginning to smell a rat.
The man refused to answer questions as to who was owed the money, the amount owed, or when the debt was incurred. I hung up and planned to ignore the call. Then wondered if his incorrect information would affect our credit, so I called the number to the head rodent.
PI Klein claimed Jim obtained a payday loan a few years ago and the check used to pay it off, bounced. I said his information was wrong, that Jim didn’t use payday loans. His smug reply was that most husbands use payday loans to hide cash from their wives. With interest and penalties added to the original loan, Jim now owed over $1800.00. Klein offered me the convenience of paying the debt with my credit card. How kind of him and how stupid of me if I agreed!
Even if Jim did get the loan, since I do the bookkeeping, I would have noticed a bounced check. Klein ignored that fact and threatened both Jim and me with jail. He said deliberately defrauding a financial institution was a felony. Maybe it is, but we are not guilty. The call ended with me refusing to pay and Mr. Smelly Rat promising to call repeatedly until I do.
Those who know me can guess what I did next, Internet research! The call was original to me, but not to law enforcement, the BBB, and the Internet Crime Complaint Center. I learned a lot about how to steal money without holding a gun to the victims. Criminals can easily get rich without leaving home or getting dressed and no stocking mask required.
So far, Klein has called back once. I ignored the message to call him immediately. Maybe he is too busy to harass me because he has too much money to count. I hope not, but sadly, there are many who threatened with jail would give out their financial information. I wonder if the villains will only withdraw the amount of the debt they claim is due or will empty any account they can access. Be aware some rats use the internet to bite.