Debt Management Incorporated

Overdale scam (UK) advice and warning Hi all, Just wanted to post a warning as I got caught out by a debt/IVA scam yesterday. I received a text claiming to be from Overdale enforcement. I panicked and called the number, and they then transferred me to who I believed was StepChange because I’m already dealing with them. After speaking to the real StepChange today, I found out I’d never spoken to them at all. The whole thing was a scam, and my debt management plan is still being processed normally. I’m now having to report the fraud because I stupidly gave them a lot of personal information. I always used to wonder how people ended up in these situations, but honestly, when you’re vulnerable and stressed, they know exactly how to scare you. They clearly had information about my debt already and used that against me. I’ve attached screenshots because at first it all looked genuine. The cracks only started to show afterwards — one message claimed they were from “National Debt Help” but the email address was “nationaldebtsline”. I then called the real National Debtline, who confirmed it wasn’t them. That’s when I contacted StepChange and realised the whole thing was fake. Now I’m left feeling alone, depressed and scared because someone has all of my information because I fell for what I believed to be was enforcement. I never sent over money and all I did was speak on the phone and then send over documents to prove my income and debt to set up an IVA. I could’ve done a lot different but hindsight is a wonderful thing. Please don’t fall for what I did. These people are awful. And if you call them and they “transfer you” hang up and call them yourself like I should’ve.

Receive txt messages from this Debt Collection company saying I owed money on unspecified account. [BBB Scam Type: Debt Collections] [Business: Forest Hill Debt Management Date Rep] [Location: TN, USA - 37350]

I received a message on my home phone that there was registered a complaint against me or someone at this phone number and to call this number back asap. Ended with "Good Luck" The name of the person calling was Stacey Barber. The phone number on caller ID was 214-838-1572. I have also had numerous calls from Locator Parks but I don't have that number written down. [BBB Scam Type: Other] [Business: National Debt Management] [Location: TX, USA- 76063]

ARC ACCT MGMT is also known as ARC DEBT collection, AR debt management, ASR/ARS MGMT. Same scammers different names used. Automated voice mails used and sometimes the voice mail says "attempt to collect a debt" which is the same message on the automated call. Once again, checked credit bureau to ensure there is nothing there. If you happen to call the number that calls you, it does use a collection agency name. You are placed in hold for 10 minutes listening to elevator music. Hang up and you are called back via a number that says "private number" and the caller hangs up. Scam! [BBB Scam Type: Debt Collections] [Business: ARC ACCT MGMT] [Location: OK, USA- 73114]

I am 90 years old. I got multiple texts from 888-471-0109 about a CASHMAX account I do not have. I opted out of messages but they keep coming. [BBB Scam Type: Phishing] [Business: Forest Hill Debt management Date Rep] [Location: CA, USA- 92264]

How to care for aging, long-distance parents who have mental and financial issues? I live in Ohio. My parents, 59 years old, live in Virginia. They are depressed and under serious financial strain. My mom retired from the postal service after 30 years. Most of her monthly retirement checks went to healthcare ($500+/mo); now the IRS has garnished all remaining payments to satisfy a $20K debt incurred years ago. They claimed too many expenses on their tax returns and failed an audit. For context, they are diehard Republicans who now refuse to pay any taxes – not even local. They are stubbornly self-reliant, even at the expense of their well-being, and never ask for help. Neither completed high school but both earned their GED later in life. My dad drives commercial trucks for a living. He works overnight and long hours, drinks 5-hour energy shots, eats poorly, and now his health is declining. He had emergency surgery several weeks ago. He will be out of work for eight weeks. He has no paid sick leave and does not qualify for short-term disability in Virginia. My mother has nearly $200K in her TSP account that she cannot touch. They owe nearly $100K in severely past-due credit card debt that will be garnished from her TSP the second she tries to use it. They now live on a $600 monthly income from a rental property. I convinced them several years ago to file for bankruptcy after consulting the national debt management agency, but even that fell through. My mom refuses to leave the house, sometimes her bedroom even. She is an alcoholic and addicted to pain meds. My dad was too busy working just to keep the lights on. So neither had the time, motivation or money to find a lawyer, pay him/her, complete the paperwork, gather necessary documents, and stay on top of appointments. Now they can barely afford necessities, and their house is something from the Hoarders show. They are open to moving up here. I am thinking of searching for an apartme