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Guest · Posted: Thu Jul 24, 2008 6:41 am Subject: ARM of Florida - Help

Okay so on nightmare begins. I posted previously that I had an internet loan from PayCheck today. I borrowed $400 and paid all but $40 of the PRINCIPAL just in fees. I sent my letters and emails and recieved a call yesterday from a Mike J at ARM of Florida (Accounts Recievable Managment of Florida). They left an 877 number and I spoke with an Anthony, he told me hat I would be sent to court and possibly jail. I called him this morning asking for a debt validation letter and he got upset. He said he would send an email with all the information I requested. Have not recieved that yet. He told me they have a website ARMFL.com

I looked at the website and they list no physical address. They list on the site they report to the credit reporting agencies.

I live in Washington and Paycheck Today is not listed as a legal company. What should I do?

Posted: Thu Jul 24, 2008 6:42 am Subject:

Sorry that was me!

Posted: Thu Jul 24, 2008 6:51 am Subject: reply

i would file complaints with your AG,BBB,and the FTC.you are
correct they are not licensed period.i also would send them a
limited cease and desist letter informing them not to phone you
at work.send it certified mail return receipt.they can't and won't
take you to court,or have you put in jail.debts are civil matters
not criminal ones.

Guest · Posted: Thu Jul 24, 2008 6:59 am Subject:

So this collection agency is not licensed as well?

Posted: Thu Jul 24, 2008 7:00 am Subject:

Not sure if this will help at all but try these addresses for both of these organizations.

Graham, Darlene 9000 Regency Square Blvd
Ground FL
Jacksonville, FL 32211
US
904-726-8505x201
Fax:904-493-4654

"darlene dot graham at armfl dot com"

Financial Services
ATTN: PAYCHECKTODAY.COM
P.O. Box 447
Herndon, VA 20172-0447

Phone: 570-708-8780

Keep us posted on your progress.

Posted: Thu Jul 24, 2008 7:02 am Subject: reply

nope,they are not.with the advent of so many illegal online pdl's popping up.a bunch of unlicensed and illegal CA'S have also popped up.this is one of those.

Posted: Thu Jul 24, 2008 7:15 am Subject:

paul. . thanks for that tidbit of info. Under those circumstances I would suggest that mjj send any communication to the admin contact at armfl at the above address, as well as the one for PayCheckToday. This actually is pretty scary. I have said before that with all the heat these guys are getting I am afraid that they wlll take on a "different" identity to get this money one way or another. I guess their philosophy is if they can't get you one way, they will try to get you another. They are like a bad virus that keeps mutating to destroy lives.

Posted: Thu Jul 24, 2008 7:26 am Subject:

You should stand your ground, you also need to send them an official validation letter through USPS, or even email if you must, some way so you will have a record of the request. The next time you speak with this CA over the phone, tell them by Federal law they MUST now send you a dunning letter within 5 days after the initial contact or they are in violation of the FDCPA, in which you may file a counter suit, and sue them for up to $1000.00, plus Attorney fees. Smile

Posted: Thu Jul 24, 2008 8:21 am Subject:

You can file a suit against ARM for violation of the FDCPA for saying you can go to jail and for refusing to send a dunning letter upon request. One in one thousand people actually follow up with a suit and the CAs know this. When they do get sued it is cheaper to settle out of court. They consider it the cost of doing business, There are attorneys that will handle these cases on a contingency basis with no out of pocket cost to you! The debt and the collector will disappear the moment they know you are represented.

Posted: Thu Jul 24, 2008 8:38 am Subject:

But unless the OP got that on tape, it didn't happen.

Posted: Thu Jul 24, 2008 8:40 am Subject:

THanks guys and gals! They really had me scared because they sounded legit! Their website seemed to be fair. But I will follow through with all your instructions and keep you informed.

On another note I am also dealing with PayDay Loan Yes and I called them from my work acting as another employee and told them I didn't work there anymore and they need to cease calling. They did this even after I told them to stop. THey were very polite and apologetic and removed my work number!

Posted: Thu Jul 24, 2008 9:27 am Subject:

I was receiving calls from ARM of FL as well, I sent them the validation letter and all they sent back was a bill and a copy of the contract with some information highlighted. I reported them to the banking commision in CT because they weren't licensed to collect and they took over for me...I haven't heard from them since (knock on wood) hopefully they are gone for a while...