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Posted: Fri Nov 21, 2008 8:28 am Subject: INSTANT CASH USA / NORMAN KALINA

I have a defaulted loan w/Instant Cash USA. I have made one paymetn of $90.00 on a $300.00 advance. When they began trying to make doubel drafts the bank advised me to close that account & reopen a new account with a different # and not give out the new # to ny payday lenders. They have several customers who are having problems w/Internet Lenders....so, I sent a certified letter to MTE Financial to advise them to C & D, revoke wage garnishments, and to provide me a copy of their license to do business in my state of TN....they have never responded. So, I have received a call from someone tating they are with Norman Kallina's office ...I know it is a collection agency & not an attorney...however, how do I find if they are licensed to collect in my state. Also, they have not sent me a letter to respond with a debt verificattion letter...should I do be that before I get the letter?

Posted: Fri Nov 21, 2008 10:08 am Subject:

Here is a link to your state website where you can search:

http://licsrch.state.tn.us/

I would send them a letter anyway, chances are they won't bother to send you one and they will probably have a hard time providing the validation.