Dorsey Thornton & firm or collection agency?

Posts: 45
Credits: 1412.9

I spoke with a gentleman from the above mentioned "firm" the other night. Apparently he skipped calling me directly and went straight to my parents and my uncle to get me to call this guy back.

I called him back and he said that he had an account from a PDL that was initially $300 and has now grown to over $1,000 with interest & fees from 2006. He stated that the client had sent me 14 letters of written communcation (apparently it was from, which doesn't seem to exist), called me several times about the transaction, and now because the amount due is over $1,000 they are claiming it's a felony and that I will have to go to court over it. No mention of me getting arrested or anything like that, but I have a feeling that was what he was implying based on the messages he left with my family.

I can tell you that they do not have my current mailing address, nor do they have any information about me other than my current phone number and my old mailing address.

To be honest, I don't know whether I owe this money or not. There was a time when a lot of money was being taken out of my checking account fradulently, and while I did have a PDL at the time, I don't know if this was satisfied or not. My account had closed so if this alleged creditor tried to get money from there, the transaction was rejected.

When I inquired with the guy from DT&A, he asked if I did this on purpose. I told him no, however I was not comfortable giving him any personal information over the phone for fear of more fraudulent activity. I asked him to send me something in writing, as I felt that logically, anyone from anywhere can call me saying that I owe money and they can turn out to be another scam artist. He e-mailed me a copy of a "settlement letter" on their letterhead (which, ironically had a gavel as a watermark in the background) before the holiday yesterday. He just tried to call me now, but I wanted some feedback. He told me on the phone that I am unable to dispute the amount owed because it's now in their hands and that I had a chance to do that previously.

Can someone confirm that with me? Do I still have a right to dispute this letter? I want to be able to send it out tomorrow morning via overnight mail so he gets it on Monday.

Also, I did ask him to stop communicating with family members and only call the contact number they have for me going forward. So are they a collections agency or an alleged law firm? Can I still send them a dispute letter?


Posts: 1
Credits: 130

Sub: #1 Letter
Thu, 02/16/2012 - 18:57

I also received a letter today from these WINDOW LICKERS! Exact same set up. Only thing different was the manager name (which was Ms. Brittney Hall) and the phone number. I had a problem with some other scammers last year, threatening to put me in jail for fraud. They stated I had money deposited in an account, only problem is the account they stated had been closed for several years and the date they stated it was deposited was after the account was closed. Now, this company is stating the same thing for the same account. Also, the other problem is, I never even took out a payday loan. They told me before that I would go to jail unless I paid a certain amount. They told it was under some law. i called my lawyer and he stated there was no such law and it was a scam. I called the guy back and he got mad and stated my lawyer was stupid and that they would see me in court. These J***OFFS are stupid.

Debt Samaritan
Posts: 143
Credits: 8497.3

Sub: #2 No documents, no payments. What you are doing now is right and i
Thu, 09/01/2011 - 22:03

No documents, no payments. What you are doing now is right and if required you can even consult a lawyer and file complaints against this company with the FTC. They are supposed to provide you with document against your payments. However, another thing that you can do in order to prove that you have been making payments is your payment receipts.

Posts: 1
Credits: 130.05

Sub: #3 And the story continues.....
Thu, 09/01/2011 - 12:50

It was back in February I received a call from a gentlemen who first called my brother telling him I was committing Fraud etc which in turn lead to ugly fights in my family. I got caught upa few years back in the whole payday loan thing. Expensive lesson learned!!!! They kept selling my loans to this person and that person. Soon I didn't know who was accessing my bank account and the NSF fee's were eating up my paycheck literally. I closed the account on the advice of my bank and figured any company who I truly owe can contact me and I will resolve immediately. A couple did and I paid on good terms as I knew I did in fact owe some money. However, 2nd expensive lesson learned I never got the final letter showing debt collected in full. Thus more and more agencies started to call me to collect and I finally smartened up and started documenting everything. Only 1 company sent me a settlement letter, and a final letter. I never received a call EVER again from them or any other company trying to collect on that same original loan. However, I had a loan which originated whi Husk Hawk Mgmt. I was collected by an agency King, King & Assoc's whom I paid and never received docs from. I am still in communications with them to obtain as Dorsey Thornton & Assoc's is collecting on the very same debt from me. They was $1980. I was in good faith making payments to them but stopped when they failed to provide me with documentation. 3rd time a charmer? I hope so. I was being emotinal and nervous and scared. I allowed ALL of thes people to play on that as I just started a new job when all of this came about for half the income I was previously making due to the economy. I could not afford to lose my job, or have this become a problem with harrasing calls to them. I am the provider of insurance etc in my house, and thinking of 2 kdis, keeping a job etc tried to handle this but in the end I am out too much money. DTA has been calling me and making threats etc which I have held my ground saying go ahead I am in the right. Any judge can see from phone records I have been in communications, I attempted to pay in good faith, but since this company refuses to provide me with any doc's to prove original debt owed, or give me their address info, I have REFUSED to pay any more. Reading this blog makes me feel somewhat better knowing I am not the only one dealing with these people, and yet I am still in the learning process because I feel I am owed all the money I have paid these people already back. Any thoughts out there are appreciated.


Posts: 2
Credits: 153.05

Sub: #4 Thanks for address
Sun, 08/21/2011 - 20:05

Thanks for posting this address these people are lying crooks and I"m bout to bust there azz's up I have made several complaints with the little info we had including ftc, attorney general, sheriffs department, fbi all over but I had not address and they wouldnt send me proof of the debt well my husband. So now I have an address!! thanks :)~
Let me add this
Cease & Desist Letter (Stop Pesty Bill Collectors from bugging the shit out of you)

Regular Mail & Certified Mail #:
(Collection Agency)
City, State, Zip
April 20, 2011
RE: Account # Account Number
(Original Creditor)
Amount in Dispute: $ Amount Claimed
Dear Collection Agency,
I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, including but not limited to, parents, divisions, subsidiaries, partners, affiliates, successors, and assigns, as well as its respective offices, directors, stockholders, employees, representatives, agents, attorneys, insurers; and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.
In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation, to respond as a result of (Original Creditor)???s. default.
Your Signature Date
Spouses Signature Date
This is not part of that letter I just wanna tell you this is what you send to stop the pesty bill collectors from harassing you night and day! If these people continue to contact you after you have sent this and received confirmation back they received it!! remember 1000.00 you can sue for each federal law they break and contacting you is breaking a federal law after receiving this above notification. Also if some debt collector/agency threaten you with warrants or jail that is breaking a federal law. Do like me and record there ass's!!! I have someone threatening jail/felony warrant for something thats not even true! GRRRRRRR damn people i wanna smack the spit out of them!! just remember to send it this letter certified and registered for your proof to sue there ass's!!! for real!!!
Just some information which i've listed in other notes!
Debt Collectors ??? Collection Agencies ??? do NOT fall under Do NOT Call registry, as they are not telemarketers. However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us. They are counting on that.
- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that. This includes Attorney's in state's other than your state of residence. The only Attorney's that can sue you, have to be licensed in your resident state.
A word of caution: Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.
Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt. You are not required to ask for it. They never do this!!!!
This law is known as the Fair Debt Collector Practices Act. You can get it at; as well as other Consumer Protection Laws.
Most collection agencies, purchase your delinquent debt for pennies on the dollar. Guess what? It is no longer your debt!!! You don't have any agreement/contract with the debt collector or collection agency. Your only agreement/contract was with the original creditor.
Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist. The collection agencies are counting on you not knowing this little bit of information.
The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor. They lie, and will tell you whatever they need, in order to get you to commit to paying them.
The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.
If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information. Tell them to send you a written statement & you'll respond. Then hang up. When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them Or: send the letter I???ve enclosed that I use.
Let me also add you can sue this company for $1000.00 per federal law they break so start searching internet and learn what these laws are so you can do what I plan on doing! they can pay any other debt I owe cuz I'm getting these mofo's specially now that I have an address. you have to prove it which I can I have the videos upload to youtube of them calling and still have all the messages Ok let me say this again is for my husband but its just like me to lmao :)~ I'm tired of these aholes calling my house all hours of day, but they do it randomly like nothing for 3 months then all the sudden 5 calls in one day. Gahhhh but any who if you want to know anything ask.
I hope this info helps someone!!
and the original poster of this message THIS COMPANY IS BOGUS POS THEY CANNOT GET YOU FOR FELONY DONT WORRY ABOUT!! Seriously, my husbands getting to law enforcement so eventually somethings gonna happen if they keep threatening a soon to be officer with warrants and felonies, someone will be knocking on there doors!!
Good Luck Every One!!!

Posts: 1
Credits: 237.5

Sub: #5 Con Company
Sat, 07/23/2011 - 14:53

This company is NOT legit. They left a voice mail to ME when the so called debt to a payday company that does not exist when it all was supposed to be about my husband. But only said MY name and made statements which I have saved that criminal actions for check fraud could be taken, said in 2006 a loan was taken and not paid for $496 but they now want $1800!!! Would take $371.50 weekly payments, said they would send me documents 5 days later nothing. We are not falling for this scam we have turned them into GA and MI state police, FBI, Criminal Fraud Division, BBB and also spoke with Atty General they ALL say it is a scam. If this happens save all contacts, emails, voice mails, times, names everything and report them Do NOT send them any $


Sub: #6 I filed a complaint against DTA with the FTC last week. I spoke
Thu, 04/28/2011 - 00:04

I filed a complaint against DTA with the FTC last week. I spoke with an FTC customer service rep today, and she told me that the FTC did NOT handle complaints on behalf of individual consumers. All the FTC will do is file a class action lawsuit if they receive enough complaints on a specific company.


Sub: #7 helpful
Tue, 04/26/2011 - 10:58

Dorsey Thornton and Associates

7302 Basalt Dr
Union City GA 30291
877-278-5598 770-774-3597

Best of luck to you!


Sub: #8 I filed a complaint two months ago with the FTC regarding Dorsey
Wed, 04/06/2011 - 19:36

I filed a complaint two months ago with the FTC regarding Dorsey, Thornton & Assoc. They are trying to collect on a pay day loan I took out 4 yrs. ago that was discharged in a bankruptcy. These people cannot collect on a discharged debt and I did not commit check fraud, especially on a post-dated check. They have never sent me anything via mail. They call periodically saying they are detectives, investigators, etc. regarding a fraudulent check. If they are a legitimate company, they would know that they cannot leave that type of information with a person or even on a voicemail/answering machine - it is against FDCPA rules. If the law is going to prosecute, you would definitely receive correspondence from the governing office, so don't believe them when they call and say this. Also, they could not give me a mailing address when I asked, so I could send them a decease & desist letter, which tells them they cannot call or contact me - this is also FDCPA law. I looked up one of the other "owners" of this company, Michael something, who was sued in California for wrongful collection of a debt - the plaintiff won. What does that tell you? By the way, pay day laws state that interest cannot be collected after the maximum weeks of the loan is up, so if you have 10 weeks to pay off a loan, then it rolls over to collection, the interest through the end of the loan date is all you would owe. This is true for my state, so you should check the financial rules for your state. I would suggest filing a complaint with the FTC also. These people need to be shut down, but with so much fraud these days, I'm sure it will take years. Good luck!


Sub: #9 Dear rockinkiwi, I am going through a similar situation with t
Mon, 03/21/2011 - 16:33

Dear rockinkiwi,

I am going through a similar situation with these creeps, and I was wondering if you have their mailing address. I found their company on the BBB website for Atlanta, GA and then another listing for them under Dorsey, DORTON & Associates both of which listed mailing address, so I'm not sure which address to use. I want to send a request for debt validation and then a cease and desist letter, pursuant to our rights under the Fair Debt Collection Practices Act. You can find information on the FDCPA at Any help you can give is gratefully appreciated.


Sub: #10 I have the same exact company calling me for the same exact thin
Mon, 03/21/2011 - 07:27

I have the same exact company calling me for the same exact thing!! They said i owed $1,020 on a $225 check from a payday loan from back in 2007. They got $500 from me by scaring me saying id get jail time. it seems to be a fraud. on the 29th they are supposed to be takin $335 off my debit card. little do they know i changed my card info. they will be getting nothing else

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