so im going to need to get a lawyer for unpaid payday loans

[whtlion]

tracey
i dont think you need a lawyer at the moment.
did they break any of these rules? look at them carefully and if they did it is illegal. never give them your account numbers EVER.


VIOLATIONS OF THE
FAIR DEBT COLLECTION PRACTICES ACT

again i am not a lawyer but i have a real thorn in my side about people like this, these are only suggestions for you to try.
i truly wish you the best

Rob

Duplicate content removed - Mike

that was helpful ive paid a couple off already but the one loan i refuse to pay is too us fast cash..someone from that facility or at least he was saying would call me on cell then at work and every time a rep would call it would be the same guy i would try to make arrangements but they didnt seem to be good enough and i had to send check or pay by credit card and i refused so one of the last calls by this same guy was at my work and i told him to stop calling me here at work then he said he is going to call me everyday here at work and before i could say something he hung up so that made me real mad. so i emailed fast cash and i was trying to locate a number but couldnt find one so i proceeded to say that i dont appreciate what has been happening and if it happens again i will be recording the call and i will be contacting the attorney general well needless to say they never called again and some certified recovery has my account now..........

i owe probably 4 paydayloans left i paid off 3.and i just got a call from someone who i cant understand english wasnt very good.anyways he wouldnt tell me where he was calling from he just gave me a case number he called me at work first then my cell...when he called my cell he said that since i didnt want to answer my phone that was fine cuz his fee is real good... and as for me they will be downloading me into the system and i should contact my attorney for im going to go down for criminal allegation. and they will be coming by my work and ill suffer embarrasment..and he said good luck with that and then hung up never gave his last name or what com. he was from should i be worried.

[david]

Tracy, when this person calls you next time, tell him that you will definitely like to pay your debt, but before you do so, you would like to know the name of the company for sending the check. You also need to verify your account after they have mailed you the details. Stay strong and tell him that threats won't help him in collecting the money. Moreover, you have the legal rights to record the phone calls. Attach a recording device and get the call recorded. If he threatens you again, send the recording to your attorney. Do not agree to pay the debt until you have verified the details in writing. Pull your latest credit copy and see if you can get some information from there. You can pay your debts to the creditors also if you don't want to deal with the collectors.

thanks david for your help

I have been called at work and home from a company called United Processing. The person I spoke to name Ashley Davis informed me if I pay $100 now I can pay the rest off in two payments but if I don't send the $100 the authorities will be at my job. She told me I owed $730. I asked her to fax me a copy of what I got from the loan company initially and how it accrued to what she said I owe to date. I also told her that I would try to do what I can to pay the $100 despite the fact that she threatened me, of course she said that she didn't but was only telling me what was going to happen and I told her yes she did threaten me and to send me what I asked for and I hung up. I am going to call her again to inform her not to call my job again because now she is harassing me and threatening me. I need to know can I go to jail for this?

[john]

Richelle, you can't be sent to jail for not paying the debt. If the debt is legitimate, you will have to pay the account or else there can be a chance of judgment against you.

Ask the company to follow the fdcpa laws and give you the details of the account in writing. They are required to send the details within 5 days after placing the initial phone call. If you have not received anything in the mail, send a debt validation letter to the company's mailing address. The federal laws allow you to refuse payment until the account is validated. Send your letter certified with return receipt requested so that you can prove your actions.

If you do not want to receive the phone calls at your work or home, you can force them to cease and desist all communications with you. Leave the options to be contacted by mail only so that you are informed about their actions.

[Band Mom]

I am currently working on paying off my payday loans. I have 8 and I have paid off 2. It is a long process but just remeber there is a light at the end of the rainbow. For anyone who is new to the forum the best thing to do is close your checking account. I wish I would have found this forum earlier last summer and I could have saved a lot of money and anguish. My bank closed my account and opened a new one for me that day. All they had to do with my Social Security payments is to transfer them to my new account number. Then call each one and work with them. We were affected by Hurricanes Katrina and Rita here. I recently found documents for SJM marketing where I made a 250.00 loan with them. I closed my account in September and that was the last time I had them take out 75.00 out of my account. I have heard from all the other payday loan companies and currently working on paying them down. Should I call SJM or fax them my documents and make payment arrangements? Can someone please give me advice on this matter? We all make mistakes and that is why we are here. I take full responsibility for my mistakes but the payday loans companies should be held accountable also. I am a single widow with three children who is a full time college student and working also. So we are not lazy. Any help would be appreciated. Hey its Mardi Gras time here in Louisiana!!! Peace! Band MoM

[jj]

Band Mom, soulds like your really trying to knockem down.. good job. As for SJM, I would think that by writing them with your situation (fax and certified mail), they would be willing to work with you since you are making it easy for them to get what they want.. your money. On th otherhand, I havent really followed the threads on SJM here so I don't know how they tend to behave... what does everyone else think?

I Have 2 outstanding loans one w/ advance amercia and one w/ check inn they total 900.00 I am unable to pay anyting @ this time what does it mean to file a cicil suit against me?

[david]

Hi JJ

The V.P. of Platinum B landed here in the forum numerous times and suggested the customers to call him directly in case of any problems with their accounts. He actually sounded nice and professional in his approach. There are mixed opinions from the customers about this company. Some have settled the matter without problems while few found them hard to deal with.

I will say to anyone having problems with their accounts to call the company at 1-866-722-2770 and settle the matter. If the account is sent to outside collection number is 866-350- 5696.

CheckINN has accepted my pmts now the are telling me I have to pay in full I will not can they still get a judgement against me?

[stanley]

Lori Gonzalez,

Keep all the records of your payment. They will always pressurize you to pay the due in full. However, as they have accepted the payment, chances are they will work with you. Call them and state your problem. If they are convinced that you are willing to pay the debt, perhaps they will agree to some payment plan. Keep us posted.

[monique_snchz]

Hi I'm new to this, but I'm trying to become knowledgable about this.

I took out a payday loan for Nationwide Cash and had some issues that kept me from repaying the loan completely. They (a Ms. Karington and Ms. Kynard) called me at work saying that they were represented by Langhorne Law and that it would be considered Fraud if I did not pay them back. They also called my job and told me that they could have me arrested and that if I did not send money to them they would send a lawyer and the authorities to my job to either collect the cash or arrest me.

Now I'm young, but I'm not naivete; so I'm pretty sure that won't happen. My question is how much legal standing do they have? How can I get them to stop calling my job?

I have even called to work out a payment plan, have been completely level with these people and they won't leave me alone. I've tried to do research on that lawfirm (Langhorne Law) but found nothing but lawyers in that city. I also tried to get an address and they wouldn't give that to me either. When I tried to send them the transfer through Western Union, it didn't recognize the city code or the payee and would not go through. I tried to explain this to Ms. Karington and she suggested I put the money into a prepaid credit card and send it that way.

Has anyone else used them or know anything about them? Are they legit?

[Glynnie11]

Nothing about that sounds right. I wonder if they even represent that payday loan co or happened to get your personal info.

I know payday loans maintain a low profile but never heard of one that was unable to accept Western Union payments.