Maybe these scammers should have looked me up before they tried to pull a fast one

Note to any debt-collection scammers reading this: Choose your targets carefully. Very carefully.

If you don’t, you might end up sending a bogus notice to a consumer advocate. And he might write something about it.

Rafael Everett apparently didn’t do his research when he sent me a series of “legal” notices by email. That’s allowed, according to the Federal Trade Commission

You have the wrong guy

But they looked suspicious. For starters, they had the wrong guy.

Dear: Elliott Long
2757 Birch Street, LAREDO, TX, 78040
SSN: [redacted]
DOB: 8/24/1980

Driver’s License#: [redacted]
Drivers State: TX
Reference#: CB51441
Plaintiff: Quick Payday

Account id: 00/100/3636

This letter is a prior notification to you regarding your account with Quick Payday before your file gets registered inside the courthouse with the legal procedures on your name.

This notice will certify that a petition has been entered against you. The above name entity individual respectfully requests that you immediately settle this account. This consideration includes the penalty fees, judge fees; courthouse fees, etc. It may put you in a legal mess.

Since you have not made the payment, we would be forced to commence lawsuit without further delay followed by all the legal interrogatories and consequences; this could further jeopardize your credit ratings, and your social will be hampered. The company holds the prima facie regarding your case.

The longer you go without paying your payday loan, the more you will owe the lender. Because money lender often charges hefty interest rates (up to 600% annually) and fees for nonpayment. Some states have rules related to how much interest a payday lender can charge, however, other states, such as Texas; allow payday lenders to charge unlimited interest and fees for nonpayment.

Besides, non-repayment of the loan will be reported to the three major credit bureaus causing severe damage to your credit score, jeopardizing your credibility in future. Defaulting on loan obligations may result in not being able, or being less able, to borrowing again in the future from other credit institutions, the collection action will stay on your credit report for seven years.

Also, to inform you that this loan was provided to you against your paychecks. My claimant that’s your Quick Payday has all the rights and is authorized to Email/Fax the official copy of the court subpoena to your human resources or the legal representative of your firm. Wherein, they have to appear in the court while the case is on which would be resulting in termination from the full-time employment and to make sure they take strict actions against you. Consequently, your salary/wages will be garnished.

This is the last warning before taking further actions on the judgment against you. Failure to this notice will require us to utilize one of the enforcement as mentioned above options against you. No further notice will be given before further enforcement actions on this judgment.

If you have any issues regarding this matter reply us back and we will contact you as soon as possible to help you to get out of this issue.


Rafael Everett
Legislation Department
Esper Law Firm

My name isn’t Elliott Long. I wish I was born in 1980. That would make me 37! And I’ve never had a permanent residence in Texas.

So I ignored it.

Debt-collection scammers don’t give up

But Rafael was persistent. A few days later, he followed up with this email:

This legal proceeding is issued on your Docket# with one of Quick Payday Company, concerning your account with Quick Payday Inc., which you took out from Quick Payday and failed to repay them back. It is to notify you that after making several calls on your phone number they were unable to get a hold of you. So now as on today’s date, accounts department of Quick Payday has decided to mark this case as a flat refusal and has authorized us to press charges against you in court.

Plaintiff Quick Payday addresses the defendant to pay the sum of one thousand two hundred fifty which the plaintiff claims to be in respect of together with interest due thereon from the said date of repayment in full at such rate as the court may deem just. The whole as appears by Deed of Assignment in the plaintiff’s favor and to pay the cost of the action.

Please note that commercial enterprises, banks, and other financial institutions, which in any manner, are involved in the lending of money or the granting of credit, have a legitimate interest in accessing the database. The preceding also applies to debt-collection agencies. Consequently, any of the information as mentioned earlier may be passed onto such parties and may, in the process, affect your credit rating.

We would like to draw your attention to the fact that if judgment and an order for repayment in full are obtained and remain unpaid, the following enforcement options are available and may be considered by our client.

1. Warrant of executions by bailiffs against goods owned.

2. Application for attachment of earnings orders with your present or future employer.

3. Request for a charging order on any property you may own or are purchasing under a mortgage. (Where the balance outstanding is of a sufficient level.)

In short, you will end by paying $ 8,483.67 either by selling any of your assets or properties, along with you the other references that you used while making the transaction will also have to face the consequences.

We would emphasize that should judgment be entered against you this may affect any future credit application you may make elsewhere. We would also draw attention that all legal costs incurred in this situation are usually payable by the debtor.

The balance includes an administration cost of $1,310.78 which has been added to offset (some of) the expenses incurred by our client.

As we put your SSN into the National Checking Database System, we found that you have never been charged for any fraud activity hence I have personally evaluated your file, and with my experience, there is nothing here to suggest that this was done with any ill intent or malice.

Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal and a breach of verbal or written contract.

Debt-collection scammers can be aggressive

I skimmed the notice and it looked legit enough to make me send what I thought was a helpful reply:

Me: This is not me. You have the wrong person.

That was met with an even more aggressive response:

Rafael: Quick Payday is having 17 valid proof and three scientific proofs stating that you applied for it online and money was transferred to your bank account which has been verified by Bureau of cybercrime investigation.

Hmm, “is having.” Sounds like Rafael doesn’t have a basic command of English.

Me: Would you be so kind as to share the evidence with me? I’d like to review it. Thank you.

Rafael: The company has already sent nine reminders in your email address and attempted to send you the documents by US registered post at you mailing address, but nobody was there to either accept the documentations or to sign the papers. And at this point of time the case is under sub judicial act under chapter 63 C so it should not be through the US postal services, you haven’t received the documents, but the company has done its job.

Furthermore, after getting the funds, you were untraceable, due to your repeated negligence, we cannot do the same procedure once again, but surely, we can send you a legal notice through your attorney. Do you have your lawyer’s number or fax number; we can send them all papers along with court summons?

At this point, I just wanted to stop getting Rafael’s emails. So I thought I should be clear but firm.

I’m not that Elliott

Me: I’m truly sorry for your trouble in collecting this debt. The person you’re trying to reach appears to have used my email address. I do not know anyone named Elliott Long. The date of birth, address, and other information you have does not match mine. You have the wrong person.

Rafael: Kindly send us your Photo ID to verify you.

Well, that set off all kinds of alarms. Asking for an ID to “verify” you can potentially give a scammer your actual coordinates, allowing them to target your further. Not gonna happen.

Then I looked up the Esper Law Firm and discovered that I hadn’t been the only one targeted by Rafael.

I knew Rafael had the wrong guy. But was he a debt-collection scammer?

Before I had an answer, he emailed again.

Rafael: Kindly let us have you clear intention in this case so that we can put a remark on it and start the legal actions in your name. If your Plaintiff gets a court order against you, your Plaintiff has many other options to make you pay.

Debt-collection scammers don’t take “no” for an answer

I didn’t respond. He was not deterred.

Rafael: There is a lawsuit on your name, and your name is in a defaulter list.

If you want me to put this case file on hold then I want your prompt attempt, we are not going to ask you every time for this, you can simply let me go ahead and start the legal actions on you and your references.

A lawsuit on my name? Come on

Finally, on Jan. 8, I received the following notice from Rafael:

Due to your less cooperation, we are unable to work with you any further.

By today’s end of the day I’ll submit my closure report on your habitual offense, and by Jan. 10th, we will do all the required actions.

A copy of all legal paper works along with an arrest warrant will be sent to your local sheriff’s office in coming hours.

Sometimes debt-collection scammers really pick the wrong guy

Do I really have to connect the dots on this one? Clearly, Rafael is not who he says he is. But I also have a little advice for the debt-collection scammers out there. At least, could you Google your targets before you send them threatening emails?

Because you just picked the wrong guy to scam.

Do we need tougher laws to protect us from debt-collection scams?

View Results

Loading ... Loading ...

Underwritten by

Elliott Advocacy is underwritten by Cavalry Travel Insurance

Cavalry takes the worry of out travel by providing 24/7 access to medical and security professionals combined with the best medical evacuation and security extraction services. Cavalry gets you home safely when you need it most. Learn more at

Elliott Advocacy is underwritten by Seven Corners

Seven Corners has helped customers all over the world with travel difficulties, big and small. As one of the few remaining privately owned travel insurance companies, Seven Corners provides insurance plans and 24/7 travel assistance services to more than a million people each year. Because we’re privately held, we can focus on the customer without the constraints that larger companies have. Visit Seven Corners to learn more.

Elliott Advocacy is underwritten by Sodexo North America

Sodexo North America Sodexo North America is part of a global, Fortune 500 company with a presence in 80 countries. Sodexo is a leading provider of integrated food, facilities management and other services that enhance organizational performance, contribute to local communities and improve quality of life for millions of customers in corporate, education, healthcare, senior living, sports and leisure, government and other environments daily. Learn more at

Elliott Advocacy is underwritten by Travelex Insurance Services

Travelex Insurance Services is a leading travel insurance provider in the United States with over 55 years combined industry expertise of helping people dream, explore and travel with confidence. We offer comprehensive travel insurance plans with optional upgrades allowing travelers to customize the plans to fit their needs. Compare plans, get a quote and buy online at

Elliott Advocacy is underwritten by AirHelp

AirHelp is the world’s leading flight delays compensation company, helping passengers apply for compensation following a delayed or canceled flight or when boarding has been denied. It is AirHelp’s mission to fight for passenger rights by holding airlines accountable for flights disruptions that are out of passengers’ control. AirHelp has already helped 5 million people, taking the stress out of applying for compensation and making it as hassle-free as possible for travelers around the world.

Elliott Advocacy is underwritten by Allianz Travel Insurance

The Allianz Travel Insurance company has built its reputation on partnering with agents all around the world to provide comprehensive travel insurance for their clients. Contact Allianz Travel Insurance for a comprehensive list of coverage.

Elliott Advocacy is underwritten by Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company, and recognized as the premier provider of insurance for successful individuals and families in the U.S. and selected international markets, offering coverage for high-value automobile, homeowners, recreational marine/aviation, valuables and umbrella liability coverage. As an underwriting company, Chubb assesses, assumes and manages risk with insight and discipline, and combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the best insurance coverage and services to individuals, families and business of all size.

Elliott Advocacy is underwritten by Fareportal

Fareportal’s portfolio of brands, which include  CheapOair and  OneTravel, are dedicated to helping customers enjoy their trip. Whether you want to call, click, or use one of our travel apps, one thing is clear: We make it easy to take it easy.

Elliott Advocacy is underwritten by

An independent provider of low cost CDW/LDW insurance for use with rental cars. Up to $100,000 cover with no deductible. Policies available on a per day, per trip or per year basis. Also works with overseas rentals. Try  Insuremyrentalcar.comnow.

Elliott Advocacy is underwritten by Mediacom Communications

The nation’s fifth-largest cable operator, serving the smaller cities and towns in the Midwest and Southern regions of the United States. We are a high-performance broadband, entertainment, and communications company that brings the power of modern technology and quality customer experience to life inside the connected home by combining ultra-fast gigabit speeds with personalized local and over-the-top entertainment choices that fit your lifestyle. Details at

Elliott Advocacy is underwritten by Arch RoamRight

Arch RoamRight is one of the fastest growing, most-highly rated travel insurance companies in the United States. Travel advisors love working with us, and travelers feel protected with our trip cancellation and travel medical insurance coverage. We also make it easy to file a claim online with our fast, paperless claims website. Learn more about RoamRight travel insurance.

Elliott Advocacy is underwritten by Virtuoso

The leading global network for luxury and experiential travel. This invitation-only organization comprises over 1,000 travel agency locations with 17,500 advisors in over 45 countries, and holds preferred relationships with 1,700 of the world’s finest travel companies. Virtuoso advisors collaborate with their clients to create personalized itineraries featuring exclusive perks, while also providing advice, access, advocacy, and accountability. For more information, visit

Elliott Advocacy is underwritten by VisitorsCoverage

As a company that is constantly striving to simplify travel insurance, VisitorsCoverage, is on a mission to help travelers make the better decisions about purchasing travel insurance, quickly. VisitorsCoverage has helped millions of travelers globally to buy the suitable travel insurance and explore the world with confidence. Get insurance for your next trip at  VisitorsCoverage. Lowest Price Guaranteed.

Elliott Advocacy is underwritten by MedjetAssist

Medjet is the premier global air-medical transport, travel security and crisis response membership program for travelers. With a MedjetAssist membership, if you become hospitalized more than 150 miles from home, we will get you from that unfamiliar hospital all the way home to the hospital you trust. All you ever pay is your membership fee. MedjetHorizon members add 24/7 personal security and crisis response benefits. readers enjoy discounted rates. Travel safer with  MedjetAssist.

Elliott Advocacy is underwritten by Southwest Airlines

The mission of Southwest Airlines is dedication to the highest quality of Customer Service delivered with a sense of warmth, friendliness, individual pride, and Company Spirit. We are committed to provide our Employees a stable work environment with equal opportunity for learning and personal growth.

Elliott Advocacy is underwritten by makes it fast and easy to compare and buy travel insurance online from top rated providers. Our unbiased comparison engine allows travelers to read reviews, compare pricing and benefits and buy the right policy with a price guarantee, every time. Compare and buy travel insurance now at

Elliott Advocacy is underwritten by Squaremouth

Squaremouth helps travelers easily and instantly compare travel insurance policies from all major providers. Only companies that meet the strict requirements of Squaremouth’s Zero Complaint Guarantee are available on the website. Compare policies on to save over 70 percent on your next purchase.

Elliott Advocacy is underwritten by Travel Leaders Group

Travel Leaders Group is transforming travel through its progressive approach toward each unique travel experience. Travel Leaders Group assists millions of travelers through its leisure, business and network travel operations under a variety of diversified divisions and brands including All Aboard Travel, Andrew Harper Travel, Colletts Travel, Corporate Travel Services, CruCon Cruise Outlet, Cruise Specialists, Nexion, Protravel International,, Travel Leaders Corporate, Travel Leaders Network and Tzell Travel Group, and its merger with ALTOUR. With more than 7,000 agency locations and 52,000 travel advisors, Travel Leaders Group ranks as one of the industry’s largest retail travel agency companies.

Elliott Advocacy is underwritten by Travelers United

If you’ve been mistreated by the airlines, Travelers United is your voice in Washington. Join the #1 travel advocacy organization working with Congress to improve and protect travelers. Plus, get $400 of annual benefits you can use for travel for only $29/year. Add your voice to ours. Make travel better.  Join today.

Send this to a friend