Credit Navigators Inc.


Staff member
Received: from ( [])
From: Credit Organization
Date: Tue, 25 Jul 2017

July 24^nd 2017


This is to notify you that ............. is currently in default under its obligations to CREDIT NAVIGATORS Inc. in the amount of $1283.00 as of *.........* and Social Security number: ...............

This is regarding your payday loan. CREDIT NAVIGATORS Inc. is a parent owner company of 175 Internet paydays Loan Company. With all technical Proofs Company has filed a lawsuit in the county courthouse. You have to pay your outstanding $1283.00 on July 26^th , 2017 to stop all legal process.

Affiliations: JudicialCircuit of United States of America Area of Practice: Civil Right, Banking, and Finance, Debtor-Creditor Rights. Our client CREDIT NAVIGATORS Inc. is a finance company claiming outstanding dues of a pay day loan provided to their Client: *....: by administrative offset of monies payableby the government

Providing us, Financial Crime Investigations a DIVISION OF FEDERAL CRIMES BUREAU, their legal representatives are pressing charges against *............* regarding four serious and hard allegations.


You were clearly monitored, using your e-mail address*......* soliciting funds from a website, owned and operated by CREDIT NAVIGATORS Inc. The funds were deposited into your bank account utilizing an E.F.T. which stands for Electronic Fund Transfer? When they attempted to extract the funds back, the E.F.T. was returned constituting an electronic check.

So Now, as of today's date, rather than chasing you for the money, they simply opted to write the money off, deeming it to be stolen and press charges against you today in your state county.


And the client has never paid that money back to the company& today the outstanding dues are $1283.00, if you are ready to resolve this matter outside the courthouse but if once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to$4589.27

Under Section 349 column 15 the Company can collect the funds before three years of the contract as per the federal government`s right to collect the debt first accrued, except as otherwise provided by law.

For you this means three things:
Borrower`s Name:
Case File Number
ANNUAL PERCENTAGE RATEThe cost of your credit as a yearly rate 469.29%
FINANCE CHARGE The dollar amount the credit will cost you $883.00
AMOUNT FINANCED The amount of credit provided to you or on your behalf. $400.00
TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled $1283.00

1. If you'e on any state supervised probation on parole, you'll need to contact the officers and make them aware.

2. If you have any prior convictions including but not limited toworthless checks, grand theft or money laundering please be aware, they will treat your case as that of a habitual offender, as your state is a zero tolerance state.

3. Lastly, you can take this matter inside the courthouse with the legal procedures and hiring attorney.

And you also have a right to resolve this matter outside the court, but if you fail this time then you will be the person responsible for further legal procedures on your name and who would be facing legal and embracing situations.

Now there are two options in front of you that to take care of this matter outside the court by paying one time settlement amount, or you want to go inside the courthouse of your state with the legal procedures on your name and hampering your social and your credit ratings and you will end up paying $4589.27 either by selling any of your personal assets or property.

If you wish to settle the matter outside the courthouse without entering in any kind of legal proceedings in your name and on your social security number is ........... then just you would need to make a payment of $1283.00, to close your case file.

Send Your Payment as Soon as Possible. Because your file is inside the court house our records clearly indicate that this amount due for services rendered and that we are entitled to commence collection procedures should it be necessary. Will additionally assess your legal fees and costs of such legal proceedings.

If you have any questions or wish to discuss this matter, please Email the undersigned immediately.

Thank you for your prompt attention to this matter.

Cc: Debtor`s Higher Level
CC: Collection Agency/Legal Counsel


The information contained in this communication is privileged, confidential and is proprietary. This email is solely intended for the use of the addressee. Information in this mail is for FCI (Financial Crime and Investigation Department) Usage only. Any use to other than the addressee is misuse and infringement to Proprietorship of FCI (Financial Crime and Investigation Department). If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this email or any action or omission taken by you in reliance on it, is strictly prohibited and may be unlawful. If you have received this email in error, please notify us immediately.

Gentle Giant

Giant Admin for a Day
Staff member
Wow. Dumb and Dumber. So if you have the stomach for it you can read 35 things wrong with a debt collection scam mail here: These idiots have managed to add to the list. :rolleyes:

a parent owner company of 175 Internet paydays Loan Company
So, one point for grammar.

There is no such thing.

Hey look! They found a new crime. Except if you didn't do a wire transfer of money you didn't do this one.

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate 469.29%
469.29% interest rate- that's called usury in any country and it's against the law in probably every country.

they will treat your case as that of a habitual offender, as your state is a zero tolerance state.
Which is really interesting since they don't "state" the State that I am in.


Staff member
Return-path: <>
Received: from (unverified [])
From: Credit Organization <>
Date: Sat, 29 Jul 2017
Subject: Second Unpaid Notification

July 28, 2017



I realize you haven't reacted to my previous notices concerning your account. I have written to you quite a few times over the past 11 months requesting an explanation on why you have failed to bring your currentaccount with us. Including the interests, the amount due is now $1,283. 00.

Unfortunately, by ignoring these warnings you are damaging the excellent credit record, you had previously maintained with CREDIT NAVIGATORS Inc. In addition, you are incurring additional expenses to yourself and to us.

Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,

I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action, but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.

Please note if your account is not paid within 2 days we will take legal action without further notice.



I received an identical email (third one today, first 2 were 2 days apart, hardly "11 months!")
By identical I mean even the amounts were the same!
Thank you for this post, even though I knew it was not valid it still scared me, I feel much better.

Hua Mulan

Staff member
Reposting for "C"

Got the same identical letter

Also identical amounts and content.
Demands payment in two days and buy the way you can't show this letter to anybody.
These guys need to go to jail.
Never signed up for any Payday Loans and have no debt.

I am wondering what you are supposed to do ?
Should you respond in any way ?
What if they keep sending you Warning Harassment?
I have already forwarded there Initial and Secondary notification
They use gmail can they be reported to Google for Internet Fraud or abuse.
What about a FTC report.

One thing they suggest to Americans is to contact the Attorney General of your state.

Hua Mulan

Staff member
Reposting for "C"

What are you suppose to do about this stuff?
Ignore it?
I already reported it to
Any further places to report it to.
What about google since they use gmail.

Contacting google is probably hopeless but you can always try.


Staff member
One thing they suggest to Americans is to contact the Attorney General of your state.
This is what other Attornies General have suggested to Americans.

You can report the email to google's hard to say if they would close it or not.

Central Scrutinizer

Staff member
@ C, you can post here as a guest or you can post as a member if you want to join. In either case, please do not use your real name when you post here. We cleaned up things to remove your name.


Same guy as C
Thank you for your help

I would become a member but its asking me for my birthday and now I am
paranoid about giving out any additional info over the Internet.
I have gotten the typical Nigerien Prince Scams and gives us some money
to pick up your box of money at the airport before but this one really
bothers me. Its got me looking at the ID theft services like life lock.
Anything recamended in the category?
I already screen all calls and don't answer phone calls from unknown numbers.

Central Scrutinizer

Staff member
@ C, we don't care about your birthday and no one is going to call you. Being anonymous here is entirely acceptable. I have relatives who use LifeLock but I don't personally use it.


(No subject)
Credit Organization <>
August 14, 2017

Name: :-(
SSN: !!!!!!!!!!!!!!!!!!

This is to notify you that ...... is currently in default under its obligations to CREDIT NAVIGATORS Inc. in the amount of $1,283.00.

Our records indicate that payment on your account is overdue in the amount of $1,283.00.

I have been asked to review your seriously past due account.

This invoice is long past due and your refusal to remit payment is beginning to concern us. Is there some reason that you feel you have no responsibility to pay this debt?

Despite our earnest efforts to resolve your past due account, payment on this account has still not been made.

Please advise us if any discrepancy exists which would explain your lack of response.

Unless payment is received within 3 days, I will have no option but to existing we also used a credit score developed by us in making our credit decision, you may experience difficulties in obtaining a loan in the future Few lenders report to the traditional credit reporting agencies. Instead, they deal with specialized “subprime” agencies such as Tele Track and DP Bureau.

Naturally, we want to help you out in any way we can, since you've been a good person. We think we can extend some help with your credit account with us.

If there is a problem about the enclosed bill, won't you please Email me at the give below, so that we can discuss the situation. Whatever the source of the problem is, we are in the dark until we hear from you.

Here's how we can help you. Normally, when you pay within 2 days, you receive a [20%] discount.

We are prepared to proceed with legal action. However, my clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, please remit full payment within three (3) days of this letter,

I know you would like to maintain a good credit– and so I'll look forward to receiving your payment
Therefore, demand is hereby made upon you for full payment of the entire balance due on said note in the amount of $1,283.00, including interest accrued to date.
If the entire amount due is not received on or before 08/16/2017, I shall instruct legal counsel to commence legal proceedings against you.
Please carefully review the note, which obligates you to pay in addition to the principal balance and interest, costs of collection and attorney's fees.
Your prompt attention to the foregoing is anticipated.
If you have any questions or wish to discuss this matter, please Email the undersigned immediately.

Thank you for your prompt attention to this matter.



Hmmm..I also received letter with same amount due..and never took out a online loan or any type of loan except a V.A loan so I wonder how they got my SSN??

Puzzled and Confused

same letter received today!! and 2 in the past!! who are they? fraudsters??!?


Staff member
Not mine.

From: Credit Organization <>
Sent: Tuesday, August 22, 2017
Subject: Final Demand-Outstanding Account

August 22nd 2017


This is to inform you that you are going to be legally prosecuted in the Court House within 24 hours. Your S.S.N. (........) is put on hold by the US Federal Government. Your debt is remaining for $1,283.00.

We have given you more than enough time to Complete the payment but you didn't complete the payment.

We have repeatedly advised you of your long overdue balance in the amount of $1,283.00. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you contact us within one (1) day. This will be your final opportunity to resolve matters without the expense of court proceedings. Very true.

This is the last chance for you if you are not able to complete the payment we have to do any legal actions against you as well as you have to lose your property or it may turn in very critical situation. Now, this depends on you how to handle this type of case.

You need to do everything possible within today and tomorrow to get this process done because I learned that you were sent several e-mails without getting a response from you, please bear it in mind that this is the only way I can help you at this moment or you have to face the law and its consequences once it has to befall on you.

In event by the no response from your side started legal action against you. This is the last chance that you have for settlement.

Reply me back immediately with your final answer immediately so we can stop all further legal process on your case file.

Thank You.