United Legal Corporation call me at work stating what I owe

Yeah -- that's what they all say when you call them back wanting to talk to the person who was working on your case. FIRED!!! blah blah blah--

i was looking up this company when i found this info i ahd some of those payday loans a while back and some way they messed up my bank account and i have been trying to pay them off but i keep getting calls from these people and i dont even remember doing business with 2 of the payday loan companies how far can they dgo i dont want to go to jail or court i have 2 small children i have been paying them off i believe the lady told me mon that i owed like 200 i told her that i didnt have any money to send her on fri i had rent due and i had to pay other bills so she said that she would turn the account back over to the payday loan companies to do something with a contract when i said i agreed what can happen to me
thanks
annette

If your loans are online, the online pdls will not have you arrested or charge you with anything. These scare tactics by the online pdls are getting out of hand, let alone from the collection agencies. Has the collection agency validated the debt? If not, send them a debt validation letter certified mail with return receipt.

This b**ch *****Melinda Richardson******* called me literally 5 minutes ago and asked for my sister who moved from jacksonville 3 years ago. We are both now in N.Y. Anyhow she ask's for me calling my full government name and so like anyone else I asked who's speaking. So she gives me her name and I ask from where or what company. She then gives a little giggle and says to me " you askin a whole lotta questions not to be K.K. dont worry I'm not a bill collector and she hangs up the phone. So I call my sis to find out if she knows who these people are and of course she has no idea. So I googled the company and it brought me to this page. So we call back together on three way cause now I'm pissed. The same Ms Richardson answers the phone and I said to her that was very rude of you to call my house like that and then hang up on me. She starts yelling and saying that she is not in the buisness of customer service and hangs up again. Now I'm LIVID. So I'm reading somemore of this page and I decide to call back and request that they take my # of their list because they are very rude and unprofessional and I give the lady whom I'm speaking to the name of the woman (MELINDA RICHARDSON)who called me and she ask's for my phone #. I give it to her and she says that my # is not in her system. So I tell her it must be if your co-worker just called me. I also tell her that I pulled you company up on the web and I know about all your tactics. I also inform her that the call is being recorded and I am requesting that I never receive a call from this company again or you will have hell to pay. Then she starts yelling to the top of her lungs. And I hang up the phone.
Do you know this b**ch called my house back 4 more times while I am typing this. But I didn't answer and they left no messages. I'm not even the one that they are looking for, and how did they get my #. I have never lived in Jacksonville. They done messed with the wrong 1.

And thak you guys for all the info.

I just spoke with United Legal last night. I was really nervous assuming that they were going to make threats but I got them before they could. So anyway they were calling because I defaulted on a payday loan with Rio Resources (Tendollarpayday.com). When I answered the phone the guy went on to do his mini miranda and what not and informed me that the call was being recorded. As soon as he finished I told him that I was also recording the call and of course there was a long pause and he said o.k. I just told him how it was. I informed him that I am working with Auriton Solutions to consolidate all my debt and offered him the phone number which he gladly took (which surprised me). He then asked if this debt was put onto their program and I said yes and that was the end of it.

I think I surprised him by telling him that I also am recording the call.

I have started receiving phone calls from this company. They do not identify themselves or what the nature of their business is. Ask for you like they know you and then refuse to tell you their last names or what company they are with, only found out by running a reverse lookup on the net.

ulc is calling my husband on a loan he took out,he has offered to pay them but not in the time they want it. he is in the navy and they are telling him to pay or they will call his camanding officerand he will loose his job.i have no i dea what to do ?please help if you can!

Hi Jackie,

Who was the original loan with? Your husband will need to send them a cease and desist letter stating not to contact him or his supervisors. Keep everything documented when talking to them or any mail correspondence. Also make them validate the debt.

What will happen if you do not pay right away?

JO,

Can you give us more specifics about your situation?

I have been receiving threatening calls also. I'm in training for a new position and can't be disturbed at work. I have called them back and left messages. I know they are busy, but they also give specific directions on how to repay the loan, even though I will have to get money orders and send to them. They acted like that was not acceptable. Do they accept payments with money orders? Does anyone else know? Thanks.

Collectors hate the mail. They will pressure you for payments via western union/money gram, credit cards, and checks over the phone. Most collection agencies stress the balance in full immediately, so they will lead you to believe that you can't pay with money orders or checks.

You can send them a letter stating that they are only permitted to contact you through the mail. Make sure you send this letter return receipt. They will be violating the law if they continue to call after receiving the letter. If that happens, you can file complaints with your attorney general, FTC and/or retain a lawyer to sue them for damages.

This company has been harrassing me for months now saying that they will soon go after my family if I do not agree to pay the outrageous amount that they are requiring, of which I did not borrow! They have called my work several time where my office mate answered and the man, "Mr. Porter" was very rude to her demanding that he speak to me, when she told him that I was out of the office he called her a liar. She asked to speak to his supervisor and he hung up on her. Now he called me again this evening, at 8:00pm saying that he doesn't understand why I am being to difficult. And if I didn't call him by 8:30pm it would be out of his hands and nothing he could do about it. I have had similar harrassing calls from another agency, United Pay Services, where a man with a very thick Indian accent has called threatening me by saying he would send officers to my house to pick me up...I'm still here...and then proceeded to ask me what I looked like, if I was fat or thin. I of course hung up on him, two weeks later he called back saying that since I am not cooperating that it is now in 'God's' hands as to what will happen to me.
I plan on filing compliants on both companies!!

Yes file complaints and tell these companies you are filing complaints! Do not let them intimidate you! You will not go to jail over this nor can they threaten this....The more complaints on these companies the better chance we have of getting them shut down so they cannot scam anymore hard working people!!!!!

Not to play Devil's Advocate here... BUT...

I know the co-owners of ULC personally, and they are not the evil conspirators that everyone here is making them out to be. They are simply trying to run a collection business. To my knowledge, they run a pretty tight & by-the-books operation. They judge their employees by the number of accounts they can close, so I imagine that some employees can be a little pushy so they can meet their performance goals.

As for being rude, you would not believe some of the stories that I have heard. These collection agents are constantly yelled at, berated, and verbally abused by people who didn't and don't want to pay their bills. So think about that when you are talking to one of these reps the next time.

Also, the reason that they don't believe you when you tell them that you don't owe them money is that EVERYONE lies to them. That is also why they prefer a credit card to a "checks in the mail" payment.

I had a similar situation where we got a new phone number that was previously owned by someone who (must have) had awful credit, because we were constantly getting collection calls for people we didn't even know. I asked them (the owners of ULC) for advice, and they told me exactly what was told in the post... Send a Cease and Desist letter to the company. Guess what-- It worked. Phone calls stopped, end of story.

I have NEVER seen/heard any indication that they are trying to "make up" bills. I don't know the particulars of the cases posted here, but- Have you ruled out identity theft? If someone steals your info and opens an account, then the debt collectors are going to call YOU about it... Also, they only collect on the debts that they are told about, so if the original company makes a mistake, they are going to act on that mistake as well. They don't have the resources to validate every account that goes through the company.

I realize that I am preaching to the choir here, since this is a forum for people who have problems with debt collectors, but I thought I would try to give my friend's point of view on the subject...

Just a small comment to Devil's words.You state they don't have the resources to validate every account.Well tough luck bub.It is a consumers right under Federal law to have debt validated.If they cannot validate,I see no point in giving them a dime.If they collect when validation demand has been issued,they better be ready to dig in their limited resources to pay for lawsuits.Your other comments are understandable and valid in certain situations.