scammers start telling you you’re going to be arrested and they’re going to garnish your salary THAT’S BULLS # $ T. That requires a court order and by law you are notified of the court date in writing so you have a chance to show up. No matter how much they threaten you NEVER give them your personal information, bank account numbers, social security anything. They’re on a fishing trip and the more info you give them, the easier it is to clean you out.Notify your family, friends and especially your boss that you are being scamed.Then if the scammers call them they will not be caught off guard.Let a stop to these theives, all debt collection is regulated by Federal Law. Get informed. Know what the Statute of Limitations is in your state. Do not answer the phone and give these scammers an invitation to make your life miserable.
Have been receiving calls for about a month from John Ryan at the AR Group, leaving VM’s saying they are getting ready to file 2 legal documents against me, and to call back at 888-543-9421 ext 303 about the matter, also leaving a reference number. Today he calls and leaves the same message and says that they are filing the legal documents today and that I need to call back. Repeatedly when I try to call back the message that the “call source number is no longer in service”, including a number of times today. The call originally came from 800-533-9421 which is totally different contact when I call. Last year I mistakenly accepted a online payday loan that started a nightmare in my life for $ 200, and do not know if this is a connected issue. Earlier this year I was getting calls from a woman from TYCOLIFTS who gave documentation to about the transaction, and when pressured to pay, she said she would accept a 3 commitment commitment by providing her a valid card number that could be a prepaid card . I did so and the first payment was deducted, then I lost my job and could no longer make payments. She told me that she would not be able to keep the account from legal action, and did not hear
IT WAS A SCAM !!!!
I called back the next day and talked with Savanna again, a conversation that lasted about a minute because she refused to answer my questions and hung up … again. I called back and asked to speak with a Supervisor, which she obliged (at least I think, they sounded a awful lot like). The Supervisor’s name was Bella Sims … it seemed like she was trying to be helpful, I told her the address they had had, and the account at the bank was closed for 2 years when this transaction was made. Mind you, no one ever asked me for updated information or my address … their gums just kept to flap about how I was going to be served a criminal
I have been receiving phone calls from (949) 829-2391. My son not knowing any better told them where I work and now they are calling my work telling our secretary that they are going to serve me papers at work if I do not call them back within 2 hours. I am a teacher and I can not have them calling me at school. I called the number that was given 10 minutes after he called the school and got a machine … Jordan and Associates … He told the secretary that he had a legal business matter about quantum support services. I had gotten calls last year and they just started again. I have told them I am reporting them to FTC and Better Business Bureau. What can I do to get them to stop calling
Please do not panic. You can not be arrested because you can not pay this debt. If they call again, you can not reply until they send something in writing on their letterhead by mail (not email!). That’s your right under federal law. (A warrant for check fraud is a sign you are dealing with a scammer. That’s not check fraud
I did, however, take out a payday loan from a company named Cash Web, who promptly sold my info to a company called Hydra Loans. Perfect name as they had dozens of other such businesses. They put money in my account, though I never saw a contract or signed a thing; not even a phone call I paid them back the principle immediately but they still tried to get money out of my account (not even on paydays though they claim I applied for the loan and spoke to someone on the phone to set it up). I had to close my account and open a new one to stop them. Now, years later I’ll get these calls or letters, but nothing will ever happen. I ignore them, but if I had the time and money, I would love to get them I to court.
any other information. The payday borrower then writes a check – and this is the key part of the technology – the payday borrower then writes a check for the amount of the loan and postdates it by two weeks. And this becomes the collateral for the loan. So payday will not pay the loan in two weeks, the payday lender then deposits the check.
Wage garnishment occurs when your employer has a legally required portion of your pay for your debts. Bank garnishment occurs when your bank or credit union is served with a garnishment order. The bank or credit union then holds an amount for the payday lend or collector as allowed by your state law. Each state will have different procedures, as well as exemption from garnishment, which applies to both the wage and banking garnishment process. For instance, under federal law certain benefits or payments are generally exempt from garnishment.
And if you are sued by a creditor or collection agency, they must serve you with a notice of the lawsuit (this is usually referred to as a “summons and complaint”). They sue you for the debt; “Filing with the clerk of court for fraud by deception,” is meaningless.
Nona – There are a few options for trying to stop them but it’s not easy when you’re dealing with a scam. If they were legitimate collectors, and traceable – where they could be held accountable under the Fair Debt Collection Practices Act, consumers would recourse to sue them. However, with scams, it’s a little more difficult … but there are some options that may help – you can file a complaint with your local law enforcement, the Consumer Financial Protection Bureau and your state attorney general.
Sorry to hear a scammer made your day so difficult, but we are relieved to do not send a moneygram. Those, along with prepaid cards, are popular ways for scammers to take advantage of scared consumers. But good for you for doing the research and figuring out it was a scam.
Contact your state’s regulator or attorney general office for more information. You may also contact legal attorney or private attorney assistance for assistance. You can submit a complaint about payday loans with the CFPB online or by calling (855) 411-2372.
You do your best to ask as many questions as you can of the research and of the researchers themselves. You ask where the data comes from, whether it means really what they say it means, and you ask them to explain why they might be wrong, or compromised. You make the best judgment you can, and then you move forward and try to figure out how the research really matters. Because the whole idea of the research, is likely to help solve some big problem.
of a group called the Consumer Credit Research Foundation, or the CCRF, which is funded by payday lenders. Now, to be clear, Ronald Mann says that CCRF did not pay him to do the study, and did not try to influence his findings; but neither does his paper disclose that the data collection was handled by an industry-funded group. So we went back to Bob DeYoung and asked whether, maybe, it should have.
Please note: This is an expensive form of credit and is intended for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve long-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; gold using a home equity loan or savings. Contact one of our relationship managers to discuss if a Spotloan is right for you.
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 … MoreSince the very beginning of our interactions with Mrs …. Read More
numbers online and it looks they dont exist. I’m trying to report them before someone else becomes a victim.
I had a company contact me today and they said I have a furniture store I did not have an account with the company but they will not send me any documentation from there company and said if I do not pay in an hour a warrant will be released and I will be arrested I’m going to school and do not want to mess up my life so I should pay them
I got online immediately to look in my email for said correspondence. I found an email that I had initiated requesting information on how
I did not have any phone calls but my previous room was visited at home by a man named Lewis claiming he had a delivery for me and that he is a server server! She has been to her home several times and she has finally told her to stop her harrassing her as well. He left a fake look business card in which he wrote in his name and tel. # 425-223-8367. I have not called him to verify anything yet. Any suggestions how to handle or proceed with this? Any help is appreciated!
I was called yesterday and the call said that my payday loan was in default. If I did not pay the amount they would send me to court. Can i go to jail !? They kept using the term “financial fraud” which freaked me out! I did not pay the amount yesterday so they said I would get served today. What’s going to happen? Can I get I jail for this !?
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 !!
This same Michael Moore had contacted me about 6 months ago, from a different #, with the same story of serving papers for my arrest about 6 months ago but that I owed money to PDL Loan for November 2008 … which I’m sure I do not owe, and I should send a payment immedately to settle claim.
DUBNER: OK, so this is interesting that a watchdog group that will not reveal its funding is going after an industry to try to influence academics that’s funding. So should we assume that CFA, the watchdog, has some kind of horse in the payday race? Do we just not know?
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.
Thank you, I’m not sure the investigator called the house number and when I called the agency that is statewide mediation they said I should not see why a sheriff would come to my house over a debt owed
I suppose you are just reporting this and not thinking about sending them money – at least I hope so! If you talk with them, send them a written notice of the debt by mail as required by law. But it sounds like it’s a scam and they will not.
Processing your completed application at an Advance America store will only take a few minutes. Once processing is complete and you are approved, we will review the fees and terms for your Payday Loan, and you will receive the money you need during that visit.
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.
Hello I hope someone can help me please. I received A call from a guy saying he’s from Empire Mediation & Arbitration Service LLC. That they are taking me to court for defaulting on a payday loan with check n go. That I’m going to face a judge and there’s asking 2815 but if I pay today they’re willing to settle for 412.50. Originally my loan was 255.00. witch I got in 2008. I told them to send me a validation debut letter he said I can email you a settlement letter that they supposedly sent me a while ago. They had my old address But I never got anything because my mom lives there. So there is a saying that I’m going to get served with court papers and I have to face a judge also they want 2,815.00 for fees. Does this sound right please help. I called check n go they said they sold my case in 2009 and they have nothing to do with my case no more and that they are not suing me But they do not know who else has my case since the company they sell it too went out of business. Please help I must pay the 412.50. I do not work or have the money sine I take acre of my daughter who had cancer. Thank you
If you did not get the right date and the date they did give I was out of the country so got there called one uncle who is a cop in the city number came from he busted 3 hindi’s man were they surprised. no time doing good in the desert and face being deported on the end of jail time, yes bubba loves her new roomies too
Advance America follows all applicable federal and state laws, and the ability to have multiple loans depends on the state regulations. Please keep in mind that having more than one loan out at the same time could make it more difficult to repay your loans.
ITS FAKE IF YOU HAVE SOCIAL SITES AND THEY CAN GET INFO FROM SITES AND PAY TO GET YOUR PERSONAL INFO THINGS ARE HACKED SUCK AS EMAILS THAT’S Y THERE IS SPAM JUST MAKE SURE YOUR MOM DO NOT GIVE THEM MONEY THAT’S ALL THEY WANT IF IT WAS REAL JUST ASK THEM TO SEND SOMETHING IN THE MAIL THEY ALWAYS SAY WE CANT WHICH IS A LIE IF THEY ARE A REAL COMPANY IF YOUR MOM SENT MONEY ALREADY TELL HER REQUEST A REFUND FROM THE PREPAID CARD COMPANY ASAP AND CALL LOCAL POLICE DEPT I HOPE THIS HELPS THE INTERNET CAN BE YOU BEST FRIEND OR YOUR WORST ENEMY GUD LUCK
The explanation for this is not simple, and a variety of economic jargon floats around the issue. But it’s all started with this: The typical payday-consumer loan is too desperate, too unsophisticated, or too exhausted from being treated with disrespect by traditional lenders to engage in shopping. So demand is what economists call price tax. As Clarence Hodson, who published a book in 1919 about the business of small loans, put it, “It is not possible for bargain to benefit with cupidity.” In its last financial year, Advance America, one of the country’s largest payday lenders, wrote, “We believe that the main competitive factor is customer service, rental, convenience, speed, and confidentiality.” You will notice it did not mention the price.
If it was legit she would have no problem giving the address to the company. She will not divulge this information as she does not want to be sued for illegal collection tactics. Ignore them and move on.
Mypaydayloan.com encourages applicants to manage online payday loans responsibly, and we work to educate our customers about the best way to manage their loans. Review these consumer tips before applying
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