Consumer complaint received 08-07-2015 about Debt collection (Payday loan) with Integrated Recovery Services (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Integrated Services ( XXXX ) has called me many, many times on my personal cell phone ( which I understand XXXX but they continually call my place of business and leave messages threatening to sue my employer for fraud, my bank for fraud and use names of individual that I know in some of their communication. They threaten to serve me with legal documents but say they can only serve me at my place of business. On XXXX/XXXX/2015, they called my managers phone number, listened to her message which clearly states her name, title, etc. and left a personal message for " me '' on her phone. I met with a free legal aid attorney on XXXX/XXXX/15 and they informed me that this is against the law and that I should report them to the attorney general 's office. They further told me " not '' to speak with them and to let my debt management company handle but Integrated Services will not call them because they know they can not threaten them with actions that they can not take or that are too costly for their company to pay. They are collecting on behalf of a payday loan company and were told that my debt management company will only work with the originator of the loan. The originator was contacted but disregarded the debt management directions and gave my loan to this company to collect using unethical tactics. I have reported the original company and included the name of Integrated Services in another report to CFPB ( Ref : Case number : XXXX ) but I want these people notified also. The attorney stated that I have the right to tell them to not call my work or cell phone again because that is the law. But what about the fact that they call others who know me and tell them personal information that they should not be sharing? How do I get them to stop that? They have not contacted me in writing and according to the FTC they must do that, and I have no address for them, just the names they give, the phone number they call from and their threats which change each week as to who they are filing fraud against. Their last phone call on XXXX/XXXX/2015 stated that my debt management company wrote and said that they were to work out an arrangement with me. That is not true, it states that the originating company should contact them to discuss payment arrangements and then I would make payments to the originator directly. It does not say that they are to call me and discuss because I have been instructed " not '' to speak with them. I guess they think that I do n't understand the language in the legal notification that their client received. Please assist with this issue. It was not my intent to stop paying this loan but due to medical and family hardships, I was unable to continue to meet my obligations to all of my creditors which is why I employed the services of a financial company. If I lose my job because they continue to harass me or call my employers and leaving confidential information on their phones, they will get nothing. I guess these tactics may force others to pay who are truly able to, but I have nothing extra to give without removing the roof over my family 's head and stop feeding them or paying essential utilities to maintain. Thank you.

Company response to consumer: Closed with explanation