[llose_ict]

Has any one heard of legal mediation services in flordia or know anything about them they are threatening jail time for a payday loan

[Jessi]

They can not put you in jail..They're just blowing smoke.

[curlycarl]

That's correct. No one can be put to jail for defaulting on a loan. Writing bad checks could be an offense, but post dated checks are not counted as bad check. Relax and think some way to get out of the loan.

Legal mediation practice in florida has called me and threatened me with everthing from jail to fraud conviction and gave me a 5:00 pm deadline to pay them in full would not accept a payment arrangment. They would not tell me much of anything i ask what firm it was and the only answer i got was legel mediation practice terry glenn was very hostile and nasty to me he is supposed to be one of the partners and brenda martin said she was his supervisor these people don't know the truth i want the name so i can report them to the bbb

[john]

CATHERINE205,

In which state are you living? Check the laws in your state and see if you can record the phone calls without informing the other party. If it's permissible to do the recording secretly, call the company and ask them to send you the details of the account in writing. It is your legal right to know the details of the debt and you must review it before making the payments. Once you have said, their illegal tactics will get recorded in the phone conversation and you can present it to your lawyer for pressing charges against them.

[jeep4dori]

they called me back in March I sent the validation letter and have yet to hear back. They told me the same thing too! Fraud and jail

[Jessi]

They can't put you in jail.

Maybe you should pay back loans and then you won't get phone calls. This is too funny. I would think if you gave someone a check for a loan and it was a bad check then it could be fraud. So, seriously can people run around to those places and give them all bad checks and the business gives them money for them?

Interesting but related in what way? We aren't taking about poor people in debt. We are talking about people exchanging a check for cold hard cash and the check is worthless. Do the laws apply to only the payday loans or can people go to the electric company, grocery and buy cars with bad checks and then they are free and wealthier? Just curious about this new check scam for cash? How do the payday places stay in business when they take checks?

And someone please tell me what a validation letter is please.

[curlycarl]

Validation letter or legally known as debt validation is the method of identifying a collection agency making legitimate collections. Many CA's often contact people without having any accurate account details of the consumers. In most cases, they try to make money in an illegal way.

At this point, debt validation is the best legal way by which you can get the accurate details of the debt from the third party collector. They must give you the details about the original creditor for which they are collecting. Besides, the collection agency has to be licensed in the state and it should also be put in writing. The federal government has forced this law in order to protect people from sending money to wrong business practitioners.

Is the the phone # 940-356-0887 they called me and said the same thing. I was being charged with bank fraud and something else. and I had until the next day to pay off the loans. When I called back they would not tell me who they were and were very nasty to me. I then called back the next day and asked who they were again and they would not tell me anything other they were going to call the payday loan company and tell them that I was not going to pay them back and to start legal action against me in Oklahoma I then told the lady that they could not take criminal action action against me in the state of Oklahoma then the story changed to were ever the payday loan company was. I then contacted the FTC and oklahoma department of consumer credit and file a complaint. When these people do this you have to contact the FTC because they need a lot of people to complain so they can go after these people. They will not just do it if one person complains.

I got a call about a payday loan and they said the same exact thing and the number was similar to th 940.....

I plan to pay it off but at the first of next month. They threaten to come to my job and jail time also.

Just how does this process work, they want payment today by 6:30pm and I don't have the money. What is their next steps???

[john]

Hi looking4answers

Don't tense yourself from all the threats. They are illegal as per the fdcpa laws. You must send debt validation letters to the company and request the details of the accounts first. You have the legal rights to refuse payments till the accounts have not been placed to you in writing.

I guess you addressed similar queries at other threads also. You can catch a look for more info.

Hi John,

Yes I did start another thread, I didn't want to "highjack" the other persons. thanks for your response.

I tried to verify their address that another person posted and they would not tell me.

What is the fdcpa?