Hello my names Mohammed, I took out a loan of $300 and was paying web pay day back. They first called me last Tuesday and told me that if I don't pay them $160 I would have to go to court. I told them my current financial problems. I have no job right now, and my bank account was charged off for a long time of negative balance. I told them I want to pay them back asap, but I need to find a job first. They told me not possible, and that they need to post-date a check by Friday, or I go to court. They gave me threats of how I would have to pay thousands of dollars in legal cost and that their own legal fee's would have to be paid by me. I told them I need time to get a job and then they just hung up on me. Two days ago they called me and told me that I bounced a check over state lines for $160. They said I authorized a payment of $160 from my bank account. I told them again I have no accounts open, and they told me I need to get a attorney to represent myself. Today they called me I didn't pick up.

Hello, how much have you paid them so far? What's the name of the company and where are you located?

I have paid them over $300, its the interest and balance problem. The company is webpayday. They harass me from this number 1-866-504-7548. I live in New York.

The company is Web Pay Day

Sorry about that post^^, anyway, I realized it was WebPayDAy after I posted, sorry! What state are you in?

i live in New York please help me I am so nervous, and i can never sleep at night.

New York

I believe 1-866-504-7548 is a collection company, here's a link showing that same number:
phoenixdm.com/

You will find the Payday loan laws for New York here (just select your state),
http://www.debtconsolidationcare.com...pdls-laws.html

they have said they are calling me on behalf of web pay day and my balance with them. I have no job and they won't settle for small payments every month. By small I mean around $30 dollars a month, I am a college student. They are mean people all they want is the full $160. They told me to call people I know and ask for money, are they allowed to say such things?

Pay day loans are prohibited in NY...use the link Shazzers posted above, write them a letter telling you:

Not to call anymore

Tell them to validate the debt

Here is the link for a sample debt validation letter, change it accordingly.
http://www.debtconsolidationcare.com...s/sample6.html

can i email them, or only written letters. also i have asked them over the phone to mail me a letter stating the debt. My father said he will pay as soon as we get a validation letter.

i will mail them this letter asap

I would send one certified return receipt requested, AND email.

I am also from NY.If you have already paid the principle back, then that is all you nee to pay them. Please file complaints with the bbb and the Ag . Please do nit stress over this and certainly do not pay them another dime. You have already filled your obligation according to NY law.