Pay Day Loans Threats

If you used a check look for this:

Ariz. Rev. Stat. § 6-1251

If you did not use a check look for this:

Ariz. Rev. Stat. § 6-601

My checking account got really messed up so i had to close it. I'm in the process of making arrangments with the payday loans that i took out when my truck broke. i have this one comany that keeps calling me. he barely speaks english and i can't understand a word that he says. all i ge out of the conversation is that my accoutn was refered to his coampny and if i don't pay up i'm going to jail. he says he's calling from the federal dept? hes contstantly harrassing me at work i've called him when i've gotten out of work and all he does is scream and ell at me but gives me no info. what do i do to stop the harassment of this guy. nmber that i was give is 305-396-6625 his names john lewis i think but when i get the recording late at night i can't make out the name of the company.

Hi noluck, welcome to the forums. First of all, what company did you have a payday loan with, and do you know the name of the collection agency that it was turned over to? Second of all, take a deep breath. An internet lender won;t even take you to court, and you will not go to jail. A storefront lender can take you to small claims court, but that's it. If you have any way to record the conversation next time these people call you, do it- collection agents are forbidden by law to impersonate a federal officer of any type or to give the impression that they work for any branch of the federal government. Why don't you tell us a few more details about your situation so we can help you out? Also, register with this website- it's free, and a counselor will contact you for a free session to help ge the ball rolling in the right direction.

Well i received the loans from fsm and paragon i found there addresses today and wrote them formal letters. i asked them to send me letters regarding what i owed and my pay back options. Tongiht at midnight i will call the number that the guy left me and try to understand what the company name is. i did notice that he didn't call my work at all today after i told him it was illegal to imporsoniate a federal officer.(yes i lost my temper only becasue he wouldn't stop screaming at me) so i will find the name out of this company and you can tell me whether or not anyone has heard of them.

Is this a store front or internet loan company? First of all,he can't send you to jail.They can,and will threaten any and everything. I would try to call that number and get their mailing address.If you don't know if you owe the debt or not,send them, a debt validation letter to make sure they are leggaly able to collect,also send a cease and desist letter that there be no contact with you,except through the mail. Hope this helps...Karen

this is internet loans.


thanks karen

ypu're welcome-check out this,it will give you a better understanding of dvhttp://www.debtconsolidationcare.com/validation.htmlkeep us posted,don't waste your time trying to talk,once you send the letters,they aren't supposed to contact you until it's validated...Karen

Hazelis3258- I don't have any connection right now to either of the PDL's you listed. If you want, tell me what number they gave you and I'll call them now and try and find out who they are.

the number they gace me is 1-305-396-6625 his name is john lewis i think and he's a complete jerk

Of course he's a jerk; these people were certainly never trained in etiquette or people/social skills of any sort. I'm on a call that will wrap up at about 3:35, so check in a little while, and I'll post what happens when I call them.

Did you have a loan with Route66 Funding?

OoooWeee, that was an interesting phone call, folks. The first time I called, I just wanted to see what they said when they answered the phone, which was "Hello?" So I hung up. Then, assuming they had caller ID, I called right back. The phone was answered "Who is this?!" (With a very heavy accent) Here's how the rest of the call went:
Me: "Hello, who am I speaking with?"
Them: "Give me your name and information."
Me: "What company is this?"
Them: "I can't tell you that unless you give me your information."
Me: "Sir, I was recently the victim of identity theft, and I don;t give out my information unless I know to whom I'm speaking."
Them: "We have a case on you, so you better tell us your name or we'll hang up."
Me: "Sir, I have no idea who you are or who you work for, so if you want anything from me, you'll tell me who this is, and not hang up."
Them: "This is the Federal Department. I can't tell you who we are until you tell me who you are."
Me: "You are the Federal Department where?"
Them: "The Federal Department, where I work."
Me: "The Federal Department of what state or country, sir?"
Them: "The Federal Department for everything."
Them: "We have a case on you that's about to be files, so tell us who you are so we can tell you where to send us money. We already know you're in Houston. We'll hang up."
Me: "You;re telling me that you're a branch of the federal government and that I need to pay you, but you won't tell me who or where until I give you my information?"
Them: "Yes."

At that point I hung up, since he just effectively screwed himself.

So, apparently, they have no idea who they're talking to half the time, they just threaten you and demand that you send them money. Interesting, since before I got the number from the post, I'd never heard of it nor dealt with either of those PDLs. Either way, the company is falsely representing themselves as a federal branch of the United States Government, which is a BIG no-no. Fortunately, the company I work for has about 42 thousand phone lines, so I can call them back tomorrow with them remembering me from today. My boss is an ex-cop, so I'm going to talk with him tomorrow about getting the guy to say the "federal" thing on tape, and then I'll be marching a formal complaint straight to the Houston Police Department and the Attorney General's office. Don't send them any money.

thank god i found this website and thank god for your help. i was so scared that i was going to jail and that it was actually a federal agent until i called them at night and things didn't match up. Is there anyhting on my end that i should do?

thanks for everything this website is wonderful and i hope to help anyone in return for the help you all have given me.

no i did not have a lan with route 66

Hazelis, I'm glad you found this website too. You will be able to help other people- the more you read through the forums, the more you learn. I'm so glad you have some peace of mind now - that will give you even more strength in dealing with your situation.