The decline of marriage is on us. But, at least, that’s what the zeitgeist would have
has been slammed with an unexpected bill and no cash on hand to cover it. If you ignore the expense, things may only get worse. But your next paycheck is still a long way away.
You may want to contact the IRS about the status of your tax return. I’m unaware as to why an outside company would be holding it or having access to it. (unless you have a judgment
new regulations could reduce the total volume of short-term loans, including payday loans but other types as well, by roughly 60 percent.
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.
It sounds like if you’re talking to a scammer. (See 9 Signs You Are Talking to Debt Collection Scammer.) Real collectors are not allowed to make such threats (and do you really think the government insists on the payment made by a certain issuer and a certain drugstore chain). The caller is trying to get you in the way that makes your money unrecoverable once you realize it’s a scam. (See The One Way You Should Never Pay Debt Collector.)
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.
I just had this happen and
We had a call from Marshall & Fields law office in California, they said, demanding attorney info on an old loan back to 2009 from paydayone, well that has been paid for, then they wanted info, then they called my brother as he was listed I’m sorry, they gave me a number to call back to 740-364-0537 ,, they guy couldnt speak any english but ask the info he asked well i hang up and wait for the next call ,, I hope he understands english as he is going to get an earfull
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.
Let me introduce myself. I am Senior Affidavit Processor Officer Alicia Fields from State Investigation Department. We have been trying to reach you since a couple of days about a serious matter about a lawsuit filed on your name that you are doing some fraud and criminal activities.
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
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.
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 !?
So, the payday business model is not like pawn shop, where you surrender your valuable possessions to raise cash. To get a payday loan, you need to have a job and a bank account. According to Pew survey data, some 12 million Americans – roughly 1 in 20 adults – take out a payday loan in a given year. They tend to be relatively young and earn less than $ 40,000; they tend to not have a four-year college degree; and while the most common borrower is a white female, the rate of borrowing is the highest among the minorities.
Stacy – do not pay anything unless you’re sure it’s a legitimate debt. Under the FDCPA, collectors are legally obliged to provide proof of the debt. Having said this, within 5 days of contacting you by phone, they must send you a notification of their attempt to collect. In that notice, they have to inform you of your right to have the validated debt. You have thirty days to do this and it must be done in writing. If they can not validate the debt, you can not legally collect. With that said, we strongly encourage you to read through the following two resources, at least make sure you know your rights and take the appropriate steps forward:
I thought it was his first name that he was a process server and that ii was being prosecuted for fraud on a payday loan this person also called my family members and told them the same thing she said she was calling from ACS litigation i called and gave the I did not know what to do, but I did not have to say that they would like to have me. They also said when they tried to get paid the bank account was close and they said this was back in 2007 the number they used is 866-574-8858 they also said they would prosecute does anyone anything or can help me
I could not believe how fast everything was processed! I could not believe that I had gotten approved as most lenders do not approve me for some unknown reason. I was so happy and thankful that it came through quickly. Now I’m able to pay for my bond! Thank you!
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.
I was contacted by someone at my work number saying they are from Quick Cash who bought a debt from Cash Call saying they are coming to my work in an hour. I asked for their phone number and they would not give it to me. Just that if I did not pay over $ 1,000 today, they were coming to my work. They would not give me any information. Sounded like a call center. They said they had a case against me in the county where I live. Well, I work for a firm firm and look up online to see, there are no cases against me. How do I get them to stop when I have no phone number or information? Thank you!
Ok I’ve been reading everyday experience with these people who started with me last year saying that i have a payday company that my ssn had something attached to it from the general saying that I was going to be put in jail if i didnt pay … they would call me on my cell back to back..one day i answered the call and told them to send this to me in writing … they said they would but did not like i guessed .. that i would be arrested and jailed if i did not pay … this would happen every month i would get someone talking in broken english saying that i need to call them -some of the numbers and names ..
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I ask them to give me the number to the payday loan company and they gave me a number and I called them and tried told me that I looked like a real nice lady so they would wave the fee and everything I would have to pay back is just the $ 300 i borrowed and he told me to wait 15 because he was going to fax the law firm. So I’m going to go back and call the guy I talked with. Sean Williams told me that they offered it and went to Walgreens and got a vanilla reload network card and called them and gave them the 10 digit number on the back. So my stupid a ** did it. Well then he said he would have to call me back with my confermation number? Really ?? Well then 15 minutes after I paid them I got a call from MO telling me the exact same thing !!! And I blew up and said well maybe I need to get a lawyer and sue you! Then he goes on to tell me that he is going to follow thinking with more prosicution and that only God can help me now and hung up. So I called the firm from OK and they said it was because I owed another loan. Which I do. But mind you just got these loans on March 1, 2013 and the other March 5, 2013. How can they already be in default? Anyway a man named Ted or Tod Cummings spoke with me and said I lied to his officer. Sean Williams. And did not tell him I had another loan. Ok if you could pull up the other one why not you pull up that one? All this makes since after I’ve done give them $ 300! Then he told me to see what I could do about getting the other loan taken care of on a different vanilla prepaid card. That it was not the same card as I used before. Why? It’s reloadable. He told me he talked with the free credit and everything. I have anxiety issues have got so scared I threw up. The number they called from was 580-823-1582. So I got mad an look the number up online! It’s a cell phone the person who owns the phone is named Time. What law is you going to call from a cell phone? I can not believe I let them get me !!!!!
Im glad I read your post. I have been getting calls from people for payday loans that i have had outstanding. they are threatening to take me to court and everything, and i know according to the payday loan laws in illinois they cant do that. My question is this: I had already had two loans out (via front store), and was approved for 5 more online (after which I did not have any of the companies were licensed in illinois. the money to repay at the moment thats when they get rude and nasty with me they keep saying they will put a judgment on my report, etc. 855-216-1354 is one of the numbers i keep getting calls from. my caller id they come up 000 and i wait for them to leave a message I do not pay them anything but i wonder if they really do anything to me the companies according to illinois law should have contacted me to set up I did not want to go back, but now I’m getting these calls, something doesnt seem right
I was receiving threatening calls from someone claiming to be from the Attourney General’s office. Stating that because of a past due credit that they were going to have the authorities pick me up at my place of work and have me arrested. They asked to pay them $ 120 of the $ 500 that I owed them in order for them to hold off on calling the authorites. I have got past due loans and they verified my email address and home address and the company i worked for. I thought it might have been for real, they wanted me to go to the walgreens and pick up a prepaid card in order to make the payment to them. I was going to send them the money but after talking to one of the lawyers within the company I worked for they advised me that this was a scam call trying to get money out of me. Especially since no prio documentation was provided and they refused to provide any documents until I made a payment. The numbers they were calling from were 951-878-0689, and 951-708-1208. I looked up the
My daughter (who’s phone number has not been associated with me) received a call from (602) 726-0102 form an unknown company, addressing me, that I was under investigation and needed to call them back. My daughter gave me the info and I called them back.
Which suggests there is a small but substantial group of people who are so financially desperate and
in giving your money to scammers. First, you can ask the caller to verify the debt. By law, you are entitled to documentation, sent via postal mail, which shows the debt is yours. You can find more information here: The Ultimate Guide to Debt Collection. Please read it, and do not pay money you do not have.
may want to return the call to get more information about the debt. Go into the situation with your eyes open, alert to the possibility that it could be a payday loan scam. To help you through the process, Credit.com offers a number of resources to deal with collectors, your debt collection rights, and steps for protecting yourself from scams. Before you make the call, be sure to read through the following resources so that you know your rights and what to expect from a “legitimate” collector:
No, debtors are not allowed to threaten you. The Consumer Financial Protection Bureau is now taking complaints about collection practices. You can file one here:
payday loan recovery group, 1-877 * 601-5871, has been reported to the Alabama Attorney General for making calls claiming to have information about the garnishment of a payday loan …. we are currently tracking the site and will back track it to the source … we are trying to catch you
Some other academic research we’ve mentioned today does not recognize the role of CCRF in providing industry data – like Jonathan Zinman’s paper which showed that people suffered from the disappearance of payday-loan shops in Oregon. Here’s what Zinman writes in an author’s note: “Thanks to the Consumer Credit Research Foundation (CCRF) for providing home survey data. CCRF is a non-profit organization, funded by payday lenders, with the mission of funding objective research. CCRF did not exercise any editorial control over this paper. ”
Does anyone have an address for these companies? I have been contacted by The Law Offices of Jeffrey Abate, Cashnet, and today the Department of Legal Services. When I asked for an address to validate the debt I was hung up on. I’ve been harassed for months now with calls to work, home and my cell phone. When I asked to not call my work I was told too bad. Which yes I know is against the law. I have filed reports with the FTC and the AG in Washington State with no luck because I do not have an address! HELP!
I worked. I got all the information from the lady (who at the point was very nice and helpful). I then contacted my bank and requested bank statements for August and had no deposit from any other than my employer in my account. My bank told me it was a scam and not to worry about it. A couple of days later they called back for the money to avoid legal action. I told them I had bank statements
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