A payday loan is usually paid in a single payment on the next borrower, or when the income is received from another source such as a Pension or Social Security. The due date is typically two to four weeks from the date the loan was made. The specific due date is set in the payday loan agreement.
Tricia, I get about 3 of those phone calls a week. Just ignore them and you will find about 10 more “final warnings”. They will stop calling you once they realize that their scare tactics are not working. If they were really going to serve you they would just do it rather than call you on the phone and tell you first. I was served a summon from bill collectors on two occasions and I did not have a warning call from any of them.
I get them all the time too. Everything goes to voice mail If I do not know what I’m saying, I do not know what I’m saying.
Erin Shank and her employees are very professional. They explained the process to me thoroughly. One of the things that I appreciated most is that they were not judgemental. I would recommend her to anyone who is considering bankruptcy, especially Veterans. She is an expert in provisions that … Read More
RONALD MANN: I have a general idea that people who are really tight for money know more where their next dollar is coming from and going than the people that are not particularly tight for money. So, I generally think that the people who borrow from payday lenders have a better idea of how their finances are going to go for the next two or three months because it’s really a crucial item for them that they worry about every day. So that’s what I set out to test.
It’s been gettng calls from a guy who calls hisself jack but is clear from overseas because I can barely understand anything he says. he has gone so far as to call my job ann tell my boss that the company i work for is goin to be held liable for this debt oh yea this guy is supposedly with a law firm. my boss told them last week if they called back i would be terminaed they would not get any money from me .this did not phase him so tuesday he called back they told him the samething so he called my cell phone wantedin me to verify my I did not have a lot of cursed him out with a few racial friends hang up.so then I got a call from another guy clearly not american tellin he was the sheriff of my county they were coming to my work I have been told to serve on my request I gave him one 4 states away so he says do not u speak to? lmbo i said who said the sherriff of my county i just had to ask what county that would be and i was givin some word ive never heard. so after a day of theatrical injury to the loss of my job and 3 felony charges for supposedly getting money from payday usa i am waiting for my sheriff to return my call so i can tell him of this thing impersonate an officer. i work hard for my money and noone is going to harass me like this i’m not stupid so my advice to the scammers scam you own country come here tryin to steal from us hard workin honest folks. and did i mention this trash called my moms and told my 12yr old girl to suck her d ** k !!!! these ppl need to be stopped b4 they meet the end of my shotgun !!
If they call back, follow the instructions outlined in this article or the resource provided above. If the collector will not comply with your requests, then it may be a scam. It’s hard to say until you talk to them to see if the debt is legitimate. Whatever you do, do not let them intimidate you in paying without validating the debt. As a result of the comment on this thread, they use scare tactics and prey on consumers not knowing their rights and the laws when it comes to debt collections.
I was contacted by the same company and paid. Did not receive a receipt either. Then I contacted the company they said I supposedly owed the money to. The payday loan company looked up my info and said I had never had a loan with them and advised me to call my bank. My Bank is now going after PDLR group for fraud.
I’ve been receiving similar phone calls from 877-824-6758 and 866-981-6854, from a guy named “Bill Davis” and a woman named “Amy Rogers” who claims to Bill’s “partner” .. they first called my work and left a message with my supervisor, claiming that they have two charges against me and that if I do not contact them they are going to serve me at work. Then the call to my cell and the threatening messages followed. I finally blocked them on my cell. So, “Amy” called my brother’s phone and left a message for him, saying that I had charges against me and I was being taken to court. This really ****** me off !! What can be done to stop these people? Can I report them to the police? !!! I’m getting fed up !!!
These payday loan collectors are using a new scared tactic now. They are saying I’m filing fraud charges with your county and you will be summoned to court for fraud. I know you can not threaten a person over the phone but these are the calls I’ve got back to back
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Just to be clear, these are not collectors trying to collect legitimate debts. Most of the complaints on our forums, and to the AG AG include consumers who have never taken a payday loan, or who may have initiated one but never actually secured the loan. In some cases, the “collector” has detailed information about the victim – such as name, address and social security number – which makes the debt appear to be real.
In a high-education system that is often divided between two and four-year colleges and further segregated between elite and nonelite institutions, it’s not often that a college college is mentioned in the same breath as the Ivy League campus. Nor is a two-year college as a training ground for jobs in the so-called creative economy, which includes industries such as design, fashion, and computer gaming that typically require bachelor degrees.
Ask the collector for the name and address of the agency for which he or she works. Then ask him to send you written information about the debt. Any legitimate debt collection agency will do this because it is required under the federal Fair Debt Collection Practices Act.
the past several days, some entity claiming they have papers to serve have been blowing up relative relatives. Trying to acertain my whereabouts. The days that I have not worked. No one has been to my doorstep to do, the email i recieved is at best enough to leave skepticism abound, considering the sentence and word structure and does not jive as being official. If you want to see it reply back
CashNetUSA’s payday loans are short-term loans of smaller amounts, generally less than $ 500, that are designed to tide you over until your next paycheck. Our payday loans are usually paid in one payment after two weeks after financing.
I would need that same number when I was in jail..I told her it was BS and I would not discuss further without proof in writing. I have paid off EVERY loan that I ever took out..none defaulted … and I kept the papers stating the fact!
Hi, I’ve been a victim of these payday loans the calls and threathens me that i will be brought up on charges these guys need to get caught they are usually foreingers that call i just rec eived two miore calls from # 818 659-5712 and661 752-5174 i want to report these people how do i go about this so we can catch these thugs i have stressed out over this i need help … sincerely paul giordano ny
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You can request a written verification of the debt if they call again to help determine whether you are dealing with a debt collector or a scammer. You can also contact your state attorney general and monitor your credit reports for signs of identity theft.
Has anyone got a call from statewide adr they keep calling my work and my dad house say they want to give me papers. Is this company for real or not i do not find anything on them. And i dont want to lose my job. Please help
And this does not make sense: “They had a warrant for my arrest and ready to be sent to the sheriffs department in my county.” If they did not have a warrant for your arrest, why would they tell you that other than to try to shake you down for money? It would be smart for you to call your local sheriff’s department, explain what happened and ask them if you can file a police report.
Rob Coleman from the Huntington Agency is another SCAM. Will call your work home and even people with you SAME LAST name as yours and leave the same threatening message. Then when you call the number back, it has been disconnected. They will not send you ANYTHING in writing. will not give you their financial mailing address either .. VERY INTESTERSTING
I googled both numbers but nothing comes up, not even as fraudulent number, so they may be newer numbers. That’s why I wanted to post this in case someone else googles those numbers. She did not disclose any specific information about the charges, did not say it was a debt collection or anything. Did not state the company she works for or the name of the “firm” I’m supposed to call.
I made the stupid mistake, and because I was unemployed, but go back to work. I took out loans but started a new job, so I was not worried about paying them back. Well I lost my job and was unable. I’m looking for work, but I’m now getting calls from people other than I borrowed from. (capitol solutions) They are a scam from what I read. They threaten to have my paperwork sent to the court house, come to my house
Cream – do not respond or engage any further. A legitimate collector would not send all of this through email. We will also encourage you to file a formal complaint – of which you have several options – and you may even wish to forward the email in question to help investigate the fraud
I am very concerned you are dealing with a scammer – possibly in both instances. Please read this article about how process servers work and proceed with extreme caution. (And verify the one you are making payments to is legitimate!)
I recently been scammed by a company called Brinkmen Alliance Group threatening that I do not pay them I’m going to get papers at my employer and home and that will have to appear in court and that my 2 cases against me are pending litigation. They are also a third party who is trying to collect a debt for a creditor that is not my original creditor (they state both the original and current creditors on the statement they emailed me) that is a bogus company. They are trying to collect a debt from me for a payday loan that I did not pay from 2005. Statute of limitations for debt collections in PA is 4 years for promissory notes. Brinkmen’s contact info is:
Funny thing is, they have a website but anyone can get a website these days. They are also listed in the BBB website with a C- rating. C- because of complaints. Their website domain is via GoDaddy. Now thats classy.
Turn the tables on this caller. Tell her you have written written notice of the debt which is your right under federal law. If she refuses to give it to her you will be recording all future calls to turn over the authorities.
Well today I got a new phone call from a firm firm stating that I was going to be charged with theft by deception of a financial institution if I did not pay, I said I was waiting on the papers to be served to me and I would be happy to address this matter in court. The lady
I do not know what to do with my phone. I’m sorry, I do not know what to do. How did this person get my phone number I called the 877 number and this, guy said I had a case for fraud with cash net and that I had to make arrangements or there would be a sheriff at my house within 45 minutes to summon me for the debt obviously i freaked out i did not want to go to jail they had my social address all of my information so i made arrangements with them i would like to know i was scammed? Please help I’m about to go in the Navy I do not need any problems with the law!
I got this call at my job telling me to pay this payday loan. I took out. I never did. I consulted with my attorney and he said to her a scam because they have to send you something in mail. I never got anything. No court sum or anything. Beaver here is the phone number: (213) 260-9435
6pm rcvd calls repeatedly from Michael Moore of “Fraud Office” trying to collect a debt from November 2008, which I’m sure I do not have to Money and More. Alledges, to Jasmine Wright and Maria Sanches that I have commited fraud and a warrant would be issued for my arrest if I do not send $ 1107.15 thru Money Gram and am harrased to send it immediately or expect to be arrested by 8am the next day . After several calls from my attorney to the # 5133994987, left messages, etc., no calls for a few hours now.
If you find some of the modern economic scenario, most people have at least one horse in every race, which makes it difficult to separate advocacy and reality. So let’s go where Freakonomics Radio often goes when we want to find someone who does not have a horse in the race: to academia. Let’s ask some academic researchers if the payday-loan industry is really as nasty as it looks.
Since the very beginning of our interactions with Mrs. Shank’s practice, the whole staff has made it intimidating and uncomfortable experience, as smoothly as possible for us. From our initial consultation with Dallas Anderson, to our many correspondence, via both phone and email, … Read More
One big advice PEOPLE !! Try to avoid giving out your personal information. Avoid any suspicious telemarketing calls (they get your info) or sign any document at your doorstep … This decade is FULL of scammers … so DO NOT get cheated!
Furthermore, according to DeYoung’s own research, because the payday-loan industry is extremely competitive, the market tends to drive fees down. And while payday lenders get trashed by government regulators and activists, payday customers, he says, seem to tell a different story.
MARC FUSARO: The Consumer Credit Research Foundation and I had an interest in the paper being as clear as possible. And if anyone, including Hilary Miller, would take a paragraph that I had written and re-wrote it in a way that made what I was trying to say more clearly, I’m happy for that kind of advice. I’ve taken papers to the university writing center before and they’ve helped me make my writing more clear. And there’s nothing scandalous about that, at all. I mean the results of the paper have never been called into question. Nobody had suggested I changed any other results or anything like that based on any comments from anybody. Frankly, I think this is much ado about nothing.
Whatever you want to call it – wage deflation, structural unemployment, the absence of good-paying jobs – is not that a bigger problem? And, if so, what’s to be done about that? Next time on Freakonomics Radio, we will continue this conversation by looking at a strange, controversial proposal to make sure everyone’s got enough money to get by.
California requires that all California customers have their most recent pay at the file with Check ‘n Go when receiving an installment loan. For online customers, please fax or email Check ‘n Go your latest pay stub when applying for timely processing of your loan.
There are several things wrong here, but the fact that your mother in law is having long conversations about your debts with the collector that’s calling. This is a violation of the Fair Debt Collection Practices Act. Collectors are not allowed to discuss their reason for calling or sharing details about your debt with anyone other than you (or your spouse). Divorce tends to bring out the worst in some and it sounds like your going to be one of them.
I know he’s a scam artist but he and his threats have got into my dad’s head and he’s stressing. I am sick of it. I filed a complaint with the CFPB but I wish the constant threats would stop. Is there any way to speed this up to get harassment to stop?
DUBNER: Well, Christopher, that defense sounds, at least to me, like pretty weak sauce. I mean, the university writing center does not have as much vested interest in the outcome of my writing as an industry group does for an academic paper about that industry, right?
Just received a call from 9206364434 saying I had committed bank fraud theft and a host of other charges and I was going to go to jail, very aggressive and could barely understand him. He did not understand the F word though.
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Our cash solutions are only possible if you pay us back. We make every effort to lend you money responsibly so that you are able to pay us back without any difficulty. The cost of your loan is straight forward and there are no surprises.
they got my work phone # through my company cell phone. He (the law enforcement official) as he represented himself would not give his company info or address. When I asked for written verification, he refused and said the police were on the way to get me. He had a similar conversation with my boss the night before. He did have my bank information, at least the name of my bank. I had already called the FTC and started a case, when I gave the reference number and the investigators name, he said the cops should be there any minute and hung up on me. He then tried to call my work again and hung up while being on hold. I am a criminal justice major and I have to say that it shook me up. I called my financial institution and really I am in good standing, transferred my debit money to savings, cancelled my debit card, and called the trans-union to flag my social for fraud. The charge as I got him to admit was writing bad checks on my debit account, really ???! I do not know if I will receive any further calls since I throw down the trumpet of the FTC, start a case, get a reference #. Can I ask for help from local law enforcement? Their call back # gets to them.
governed by state regulatory law. The loan renewal options will be presented to you by your lender before your acceptance of the loan. Please make sure to read the renewal policy presented to you before signing the loan documents. Payday loans are intended to be a short term financial instrument. Cash Advance® encourages all consumers to repay the loan on time and in order to avoid late payment and
You need to get a handle on the collections process. before you make contact with these gubbers, because they will know if you do not know your rights and they will push you around to get you to acknowledge the debt, accept it and agree to make a payment. That means never ever acknowledges, accept or agree to pay a debt. Period! Even if you owe. Never! Follow the law and get a VOD first. Never ever confirm your details to them. If they claim you are a federal law FDCPA, the burden to be so is on them, you should have your details down. So just tell them to send whatever they have to the address on record. The reason you do not accept a debt is if the statute of limitation has expired for FDCPA the debt is time barred and noncollectable. If you accept it, it restarts the clock all over again.
I have been receiving weird calls from 1-888 ??? The number and recently they stopped and have been appearing as “unknown” on my iPhone. They left me a message saying something about court and I should call them as soon as possible. I deleted the message so I do not remember exactly what it said. So last night my mom returned from work and told me that my aunt told her that they called her at her house asking about me and gave them a name and the name adan alvarez. They scared my aunt and now we’re all scared. My mom is going to call them tomorrow. I’m kind of afraid because my mom is a very gullible woman. She will not call me because I’m 19. I have had a loan for school but it was through finacial aid and it was the kind that I do not have to pay until I graduate from school.
No need to panic. Debt collectors do not pick people up at home or work because they can not pay their bills. Ask them to send you a written notice of the debt that is required under federal law. (By mail, not email.) If they say they can not, then you’re dealing with a scammer. If so, then read my article 7 Ways to Stop Overseas Debt Collection Scam Calls and turn the tables on them!