Is this a scam?

[comfortably_numb]

I received a call from 888-709-7930 this afternoon. They identified themselves as the "paralegal processing center." I eventually got them to tell me they were Solace Group LLC. They claimed I owe money on a payday loan I took out in March, 2019 and unless I settled it with them, I'd be going to court.

I asked them to provide the name of the lender and they sent me the attached. I've never heard of "citycashloans." I had a couple of payday loans back in 2017 but they were discharged as part of a chapter 7 bankruptcy.

I told all this to the agent and she said "Ok well I'm going to be escalating your file and recommending your case for court so you should probably get an attorney."

Solace Group LLC is a real company, but I never took out this loan. 

Kinda freaking me out...

[pizzadude]

Almost certainly a scam, calling someone to demand immediate payment to forestall arrest, "legal action", etc... is a common tactic used.

[cashorcharge]

Purely my guess based on what you've said....but I am curious since you mentioned you did take out some of those loans in 2017, I am thinking the debt may have been sold to another company.  When you filed BK, you likely included the original lender(s) name and they were notified of your BK.  However, if they sold the debt to another company, I am not certain that the notification of your BK is handed off to the new owner of the debt, therefore, not knowing you filed BK and coming after you.  I would think if they do in fact take matters further, you would be able to provide paperwork from your BK that the debt was erased.   I would "think" it would be on them to provide the documentation from the original debt and if their response is "We purchased this debt from X" the papertrail to the originator would begin.  

[comfortably_numb]

I offered to provide my BK discharge to her and she said "Obviously it wasn't included in your bankruptcy or we wouldn't be able to call you"

[comfortably_numb]

They also had the correct last 4 digits of my SSN, my correct address and email

[FireMedic1]

Once your bankruptcy case is settled, the court issues a decree stating that your debtors can never again attempt to collect debts that were discharged by your debt. Once that decree is granted, your creditors can no longer legally sell the discharged debts. If a debtor contacts you in an attempt to collect a discharged debt, you should forward a copy of your discharge decree to the debtor. That should end any further contact, but if the creditor continues to bother you, you should consult your lawyer about taking court action.

[Remedios]

It really sounds like you had a payday or personal loan from them, I don't think that part is a scam. 

Confusing part is the amount. Payday loans have incredibly high APRs, so if it remained unpaid for two years, the amount should be higher unless you took out $100 or something like that. 

You might want to look over your checking statements from 2019 and see what you deposited and from where. 

[comfortably_numb]

I'm positive I didn't, and I've never heard of City Cash Loans

[simplynoir]

Have you checked over your reports to make sure there was a loan that was not opened without your knowledge?

[comfortably_numb]

Yes. Trust me I monitor my credit like a hawk. I was obsessed with rebuilding my score after my BK