Cash Call is backed by a bank and is not a payday loan company

goudah I appreciate your kind remarks.I may have been having one of my own moments,but this is the third time I heard this comment from three separate consumer boards.It is starting to get old in a big hurry.Just because I have scores over 700 does not mean I am obsolete to assist other consumers!

I know Pokogeo, and I know that she didn't mean to insult you. She is newer here and just doesn't know you like some of us do!

I really think you are an exception. But unfortunatly there are a lot of people that only have book experience that try to help others, but have no real understanding of what they are doing through. You can still empathize with us all. That is why you can be so effective!

Cajun...you will NEVER be obsolete - you've always been very helpful to all who come here, and we really appreciate your assistance here!

I'm sure that pokogeo wasn't referring to you...

Goudah, you said that most state laws are similar to the fdcpa. I am surpriised that there are no Federal laws to protect anyone from midnight phone calls and threats from original creditors. I have tried to find a state law here in Fla. but with no luck. I emailed the Attorney Generals office and asked but they chose to ignore me as usual. Lets see what happens when I copy the Governors office. The former attorney general.

PS Cajun Rocks! He has helped me so many times with his knowledge.

Cajun - Believe me when I tell you Poko wouldn't have made that remark if she had known you. She is very nice, and I know she wasn't trying to hurt anyone. Please don't take it in a bad way, I know she wasn't referring to you specifically. You will have to meet her and show her that not all people with great credit are like that!

are they allowed to call your employer and references
without your permision - I live in PA

Yes, they would be allowed to call your employer and references - You gave them permission on your application. They can call your employer to verify your employment. They can call your references once you default. That is the whole point of them asking for references - To find you if you defualt.

There are things they aren't allowed to say. But that can be difficult to prove.

Problem is this is a legal debt. Meaning they can sue you if you don't pay.

thank you - I am behind on this months payment and
want to ask them if I can pay on 8/31 this past one
and sept. payment.

so are they allowed to say who they are and why they are calling

It would depend on your state law, but I would think they would be able to say who they are and that they are calling try to get ahold of you.

Thanks

so I was wondering, after reading some of the comments about cash call, I read where one person defaulted and after getting sued - they are paying less.If you live in one state, I'm in PA and they are in CA - how is this handled - do they send you a certified letter ??
I want to pay them monthly, but if they end up suing me I could end up paying them less overall

Sort of - They will wait a while before they sue you so that they can tack on late fees and keep charging the interest. So in the 6 months they may wait to sue, your balance will at least double. Yes, the interest rate is less once a judgement is entered against you, but going that route is not a good idea. It will show on your credit report, your paycheck will get garnished. You may be paying less in interest, but they will be taking it from your check.

They would sue you in your state. You would be served with a summons.

Well I talk to someone the other day @ cashcall and
as long as I make a payment by next week, they are
willing to work with me - so next week I will get back
on track and stay on track with them and even try and
pay as much more as I can

Good. Paying more each payment is one of the best things you could do.