This has all the hallmarks of the payday loan collection scam that’s happening all over the country. I am quite confident you will not be served with any kind of papers. Even if they could sue you, they could not suspend your license! (As you say, what is the license?)
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!
caller states they will be taking legal action, that the sheriff will be at my house or work place to serve me with papers. Knows my address and date of birth and employer. Says I owe $ 1,100.00. He says I can have my lawyer can him. He speaks with a foriegn accent and sounds exactly like the guy who called 2 months ago for another company threatening the same thing. I paid the debt last time I got SCAMED? The name the guy gave was Mr. Flood and number was 310-999-0442. Please help me !!
“I do not think they’ll be back, because I told them that it’s federal law to send me something written in the mail before trying to collect the debt from me” – Surprisingly, once they know that you know the laws (and better than they do), they typically do back and give up. Thank you for sharing your story, it shows that knowing and understanding your rights can help protect you from being a victim.
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has been calling from 617-933-7954 called CRS Solutions claim I have unpaid payday loans from 2008 2009 and 2010 all in fairly small 200 to $ 400 range I never took these payday loans out. but they had my old email, my real bank account with router number gave last 4 digits of SS # and knew my wife’s name.
People this stuff is a SCAM they CAN NOT arrest you for having a faulty payday loan. They first have to take you to court and they CAN NOT contact you by phone to inform you of it. You have to be served from the court of the court and where the court is and who is being taken to court for and for what reasons.
Protections for servicemembers. There are special protections through the federal Military Lending Act (MLA) for active duty servicemembers and their dependents. These protections include a cap of 36 percent on the Military Annual Percentage Rate (MAPR) as well as other limitations on what lenders can pay for payday and other consumer loans. Contact your local Advocate General’s (JAG) office to learn more about lending restrictions. You can use the JAG Legal Assistance Office locator to find help.
I had some guy call me today i said I’m calling to inform you that I’m filing or processing papers I’ve got for you an I’m supposed to inform you or talk with you before he files it to the king county court I do not have what I should do, I’m not working I have no money I do not have a last year someone tried to suing me for a payday loan that was from 207 or 08 what can they do?
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
for you to show up “. If they go to blatantly, they can use their own tactics against them.
I’ve been getting this guy “Mike Laursen from statewide mediation” saying I’m on payday loan back in 2013 I have not got a payday loan I’ve looked but did not do this guy was calling me from 2 different numbers (855 -201-4847 and 877-343-4510) then when I told him it was fraud he was calling with an unknown number he got $ 45 from me but i talked with my local police about this he said it waS
Had the same call as Jeannie. I originally got a call from MS. Gilmore and now MS Berry from 877-258-1188 stating that my payment did not go through and that they would be proceeding on garnishment. I feel this is a scam. The call from MS Berry came on on Fri afternoon 4-1 at 4:45 AM. PDLR is the name of the company they claim. I did call the number back this morning and the person who answered the phone call me for my phone numbmer and then told me that MS Gilmore and MS Berry do not come in before noon. She told me I wouold have to call back then. Do not most legit collections of agencies that give you a number and name to call at least have voice mail. I feel this is a SCAM and I hope it stops soon. Any ideas I can do in the future to stop these people? Please advise if you do
Typically your loan will be due on your next payday. Each state has its own set of rules and regulations that we follow. To find out more about your state, please contact a store near you. Find a store.
If you do not repay your loan, the payday lender or a debt collector can generally sue you to collect. If they win, or if you do not dispute the lawsuit or claim, the court will enter a order or judgment against you. The order or judgment will state the amount of money you owe. The lender or collector can then get a garnishment order against you.
Thank you very much for this site and answer to me because after reading some people stories I called him back and ask more questions then told him that I would handle it in court that would not be getting any money from me and hung up about 1 hour later got another call from a different number saying that I would be receiving a summons for court these people are a big scam smh.
DEYOUNG: This is why price caps are a bad idea. Because if the solution was implemented as I suggest and, in fact, payday lenders lost some of their most profitable customers – because now we’re not getting that fee the 6th and 7th time from them – then the price would have to go up. And we would not let the market determine whether or not at that high price we still have the need to use the product.
Tiffany – Phone numbers can be easily faked. And “a little convincing” is not good enough. What you need to know is whether they are a legitimate collection agency and you actually owe the debt. The first step is always to ask them to MAIL you information about the debt. That’s required by law. If they do not, then refuse to talk with them until they do. Do not accept email or anything less.
I’ve been contacted by 3 different companies. First one was Goodman and Stern, who was Kauffman and Associates, and as of today was contacted by Lohchner Gates and Associates. All of them threaten jail time. After reading this article, I was able to receive the money from goodman and stern through my bank. I just wish I had found this before
Same thing happened to me the same name and number on my phone. The number to get in touch with Ms. Ingram is 1-877- 258- 1188. When asked the name of this company they refused to give information and hung up. Names used are Ms. Barry, Ms. Ingram, and today Ms. Rios. They are threatening me with wage garnishment etc. They refused to give the name of and original debtor. I have no recollection of oweing. Need to know who to call to stop this.
I’ve been receiving calls from someone who is saying i owe money to a first american cash advance first of all i can not even get a payday loan in the military besides that they have been calling my real work place and it has been difficult the I do not know what that means but i say they work for the fbi and if i do not pay i can go to prison well i never even get anything in the mail about This is as well as not having a payday loan so i know it fake I just want them to stop calling and harassing me what should i do? They should like oversea people I can not even understand them and they are saying there’s going to be investigated so what can I do?
But there is one statistical tidbit that flies in the face of this conventional wisdom: A clear majority of same-sex couples who are living together are now married. Same-sex marriage was illegal in every state until Massachusetts legalized it in 2004, and it did not become legal nationwide until the Supreme Court decision Obergefell v. Hodges in 2015. Two years after that decision, 61 percent of the same-sex couples who were sharing a home were married, according to a set of surveys by Gallup. That’s a high take-up rate: Just because same-sex couples are able to get married does not mean they have to; and yet large numbers have seized the opportunity. (That’s compared with 89 percent of different sex couples.)
about a year ago very threatening and I initially set up a payment. When I found all the scam info online I have not got that account. I honestly do not remember if I had a payday loan default I do not remember having one. They called again but the guy said he was a fraud investigator for the commonwealth of pa and I would be brought up on all of these bogus sounding charges of fraud bad checks etc from a loan probably from 2008. He also knew I have a misdemeanor record and brought it up to me which is what scared me. When I said I know this is a scam he got furious said he would love to see me get prosecuted. I just said anything and hung up. Googled the phone number he left on vm was 8558870097 and it def seems like a scam. Latest loans from my research are illegal in and even if I did have said the default loan which I do not believe I did the statute of limitations on the debt on the 4 years fraud 2 years. I obviously realize the only fraud is these people but I still can not help but worry about this.
One problem with the payday-lending industry-for regulators, for lenders, for the public interest is that it defies simple economic intuition. For instance, in most industries, more competition means lower prices for consumers. That maxim certainly helped guide the deregulation of the fringe lending business in the 1990s and some advocates still believe that further deregulation is the key to making payday loans affordable. Yet there is little evidence that a proliferation of payday lenders produces this consumer-friendly competitive effect. What’s the difference: There are more than double-paid loans in those states (Idaho, South Dakota, Texas, and Wisconsin). by residents of some other states, according to Pew. In the state where the interest rate is capped, the rate that payday lenders charge gravitates right to the cap. “In the race to the lowest rates, it’s a race to the highest rates,” says Tom Feltner, director of financial services at the Consumer Federation of America.
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.
Edit: I’ve seen that the original debt is “real debt,” and while the original debt may be real, even if you’ve paid in full and can prove it, it gets resold over and over. Check out John Oliver’s story. His show is investigated and these are small-time debt collectors depending on fooling people in paying to avoid legal action that rarely, if ever, happens. He bought $ 14 million in medical debt for $ 60k and erased it for thousands of people being harassed for debts that had been paid.
I got a voicemail yesterday from Jacklyn Shriver or Traver (could not understand her). She addressed me with my full name and then said “also known as” and said my maiden name. She sounded very stern and threatening. She said she had to check out some info, kind of rambled about different things, basically saying if I do not contact the firm she will show up in person at my home or place of employment. Instructed me to call the firm at 1-877-698-2249 and said something like “you have been notified.
Jessica – It sure sounds like a scam to me. Unfortunately you’re not going to get the money you paid back but hopefully you can stop further withdrawals. To be safe, talk with your bank, explain what happened and find out if you need to take other steps to protect yourself. Now that you’ve paid something they will probably be relentless in their efforts to get more money from you. I recommend you also read my article, 7 Ways to Stop Overseas Debt Collection Scam Calls.
First, Mann wanted to gauge borrowers’ expectations – how long they thought it would take them to pay back a payday loan. So he created a survey that was given out to borrowers in a few dozen payday loan shops across five states.
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
I’m really scared. We got this phone call from this legal processing center accusing us the 2 charges with the state and both of them are felonies according to anyone who said on the phone. That we will be thrown to jail for 85 months if we do not take care of the money … It was for a check 570 and now all the fees added up to 970 and how our case was turned to the state that is why they they call us … that they can issue a warrant for arrest if we do not care of the money …
A debt collector is required by law to send you notification of the debt within 5 business days of that initial phone call. Once they do that you are entitled to request verification of the debt. Have you received anything in writing? Did you ask them to send you something in writing? If it turns out you think they are legit then you also want to check out the rules of limitations: Statute of Limitations On Debt Collection by State. Please be careful not to pay a debt you do not have.
The problem we’ve been looking at today is pretty straightforward: there are a lot of low-income people in the U.S. who has come to rely on a financial instrument, the payday loan, which is, according to its detractors, exploitative, and according to its supporters, useful. President Obama is pushing for regulatory reform; payday advocates say the reform may kill off the industry, leaving borrowers in the lurch.
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.
So we are left with at least two questions, I guess. Number one: How well is the one of the payday-loan research we’ve been telling you about today, pro or con? And number two: How do we have any academic research?
In the end, if they can not answer your questions or validate the debt (in writing), it’s probably a scam. In which case you may not be able to do much about the call but you can report them to your local law enforcement, your state attorney general, and the Consumer Financial Protection Bureau. You may even want to inform the caller that you have taken these steps.
Christy – Do not panic. It sounds like you’re talking with a scammer. Please read this article. Do not send them a prepaid card. If it was a legitimate collection agency they would allow you to send a check. They want a prepaid card because it can not be traced. And once you pay them something, they will never leave you alone. Read this: 9 Signs You Are Talking to Debt Collection Scammer
He said he worked for Morgan Lewis on behalf of Money & More. He had all my personal information, bank information, ssn, dob. He told me I had committed internet fraud by taking out a loan and not paying it back. I did not remember to take out a loan online & told him I did not remember to take out a loan on the internet. He then told me that he had email transactions and verification from my bank that the ACH withdrawal was declined twice so I had committed internet fraud and was going to jail. He then hung up on me.
I received a recorded call at work that said I had written a bad check and would be sent court papers at home or at work that day. The message then left 1888-786-0630 or 1888-390-5129 to call to try to settle or plan a payment plan. I got really scared and called the number. The lady said she was from Johnson York LLC and that they are middle man to recover past due payday loans. I do not think I owe this debt, but I was so shaken that I paid them $ 50, and set up a payment plan of $ 200 a month to pay a total of $ 960.00. She sent me an email receipt but it does not look legitimate to me. Their logo is weird, there is no address, and no website. She said it’s a loan with quick cash. I tried to google quick cash and nothing comes up. I do not want to keep them if this is a scam, and I guess the worst that could happen is to be served or have my check garnished? I just do not like the fact that they are calling my work place. Should I call them back and ask them for their address, business license and for the original paperwork for the debt? I’m not sure if this is a real collection agency. Please help!
Help !! I keep receiving calls [from a woman] stating she is from dept of investigations out if it’s housed in the internet payday lian I tool in 2006. Since then I filed bankruptcy in 2010 I do not know if included in bankruptcy cause if they sell it I whose name she keeps threatening me with stop and desist I have paid them sone money like $ 1500.00 and she said if I didnt make arrangements they would turn ovrr yo stste and have me arrested for fraud I do not know whst to do and I on disability now and cant go to jail. Please help with any advice sndo took money adsin out my account wuthout permission. Any advice ?? She said I wrote bank check I told her I did not give them a check in 2006
On the other hand, this leaves about 40 percent of borrowers who were not good at predicting when they would pay the loan off. And Mann found a correlation between bad predictions and past payday loans.
he was not allowed to do that since I was at a negative I told him it would go thru, so I told him I would give him my daughters debit card number she had the money and she said it was to be under my name so he told me to get a cash pak (green dot) and call him back with the number on the back. I did that and have to pay another 200 on the 16th and then the other 200.00 next month because he took 300.00 off the original price I owed. I paid the $ 100 because I was scared and did not want my husband to go to jail but I told him I wanted paperwork sent to me and he said he would send it when it was paid off but he would send me a redirect to my email and I have not got it yet. I wish I knew he was really with the Federal Crime Dept like he said he is or if he is a fraud. Cause I do not want to give him anymore but I do not want my husband to go to jail. I know we got a loan thru them but it was supposed to come out of our acct everydayday but he said they tried and it was not taken out due to insufficient funds but I can not remember wheather it was paid off or not. Does anyone know a site I can look under to see if this is fraud? Please 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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Payday Advance In Compton Ca
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