The call came in with an urgent tone and a tight deadline. Someone on the other end claimed he owed $1,500 on a cash advance from 2017, said the debt was connected to a lender in Florida, and referenced something about 48 months from 2021 in a way he could not follow. He had not…
Three years ago, his mother passed away after a long and healthy life. She did not die suddenly, and everyone had time to prepare. His sister was named executor of the will, and she informed the other siblings that the house would be sold and the proceeds divided equally. He has never personally seen the…
The calls started without warning, and the framing of each one was designed to create urgency. ARM & Associates has been contacting him repeatedly about his estranged mother’s outstanding debt, describing every call as either an urgent change to your account or an urgent legal matter. He does not share a last name with his…
His mother is in her late 70s and wants to pay off the mortgage on one of her rental properties, then hand the deed to her tenant, who has no income and no realistic ability to cover the ongoing maintenance costs or major repairs the property already needs. There is no written agreement between them,…
He rents an apartment in Ohio, and a few weeks ago his building replaced every standard deadbolt with a smart lock system. He was not consulted about the upgrade, no tenant asked for it, and his old key worked fine. The change came with a notice that after the first 30 days, a $9.99 monthly…
He woke up to a message saying he owed money for a surgical procedure he never had, performed at a facility in his city on a day he was sitting at his desk at work. The bill was real. The patient was not him. When he called the provider using the number listed on their…
