Emerald Marketing sending me idle threats

Emerald Marketing did garnish my wages. They took about $2,000 because they held me liable for the attoneys fees plus all the late fees. My sister went through them also and she paid an out of court settlement and they sent her a paid in full statement almost immediately.

Unless they took you to court and obtained a judgment they could not garnish your wages. If they did take you to court and you put up a fight at all you could have gotten all the extra fees and penalties removed. Frankly, if you gave them $2,000 on an illegal loan then you were scammed.

I consulted an attorney, being that I signed a legal binding contract, he informed me there is nothing I can do.

I am not familiar with this company but based on this thread it looks like they are JDBs and it sounds like you were scammed. I think if those that are stuck dealing with these guys follow the guidelines on getting the debt validated and so forth then they will save themselves a lot of money. I am not sure what you signed exactly but I do know people sign contracts all the time including contracts for PDL, IPDL and CC contracts and then they end up settling for far less than what the collectors are trying to get. Basically without a judgment to enforce that contract they have no forceful way to collect other than harassing telephone calls. It is possible that whatever you signed could have been used in court to force you into garnishment or other forms of monetary recovery on their part but garnishment can not be done as far as I know without a judgment to back it up unless you voluntarily allow garnishment.

It all depends on what state you live in. Certain states that are "non-garnishable" states, yes, you have to file a judgment, however if you're not fortunate enough to live in one of those states, all they have to do is have an attorney file the paperwork, and fax it to the payroll department.

That is not correct guest. A non garnishment state means you can not be garnished even if they get a judgment. In a state that allows garnishment they still have to get a judgment. A lawyer can not just send over some mumbo jumbo BS and then your company is required to follow it. That is called voluntary wage assignment and can be revoked at any time. Many PDLs have their victims .... I mean customers sign those wage assignment agreements but those agreements are worthless if you send a simple letter to both the PDL and your company revoking the wage assignment. Forced garnishment can only be done with a court order. A lawyer can not collect via garnishment without that court order.

This is the email I got from Jason, he talks of offering me a settlement, and I have NEVER been offered a settlement. Seems they like to make threats. I suprised he didn't threaten to tell my mommy too. I sent Jason a settlement offer, I will see if they are really willing to settle and let you know.





From: jasonm@emeraldmarketingllc.com
To: jasonm@emeraldmarketingllc.com
Subject: DOCKETT #243-5510
Date: Thu, 11 Sep 2008 10:52:18 -0500


As you know, I have tried to contact you numerous times and have either gotten no response at all or an excuse as to why you can’t pay. You’ve had more than enough time to get this matter resolved and my client has decided to go ahead and move forward with legal proceedings against you for bad check writing across state lines as well as non payment of a debt. All of this information was in your legal binding contract that you must have failed to read when you first opened the loan. There have been settlement offers as well as payment plans offered and you either ignore the situation completely or continue to tell me how you can’t pay. You were given a loan in good faith and have not followed thru with your part of the deal. I am no longer going to be able to help you unless you call today to get this matter resolved. Within the next 10 days your account will be reviewed by the prosecutor’s office to determine how they should proceed. You will more than likely need to retain an attorney to assist you in this matter when it is taken to court. At that time, you will be responsible for paying the balance in its entirety, along with the finance charges, late fees, interest, NSF fees, court costs, attorney fees, and all fines that the judge will assess you. Your employer will be contacted at that time and all fines and fees will continue to be deducted from your paycheck until it is completely paid off. Once again, all of this information was in your contract, so if you did read it, then you already knew this information. I have tried to work with you but have gotten no results. If I do not hear from you immediately, there is nothing more that I can do for you. Also, it doesn’t matter if you didn’t get this email on time or you claim to not have gotten any phone messages from me either. You gave the information that we have on file when you opened the loan, so if any of th at information has changed, it is YOUR responsibility to make sure that you call in to get if corrected, so that excuse won’t work. We will still move forward, whether you claim to have knowledge of this or not. The bottom line is that you knew that you opened a loan and that you haven’t paid it back. If this is not taken care of voluntarily, someone will be serving papers to you at your place of employment as well as your home. Your spouse will be served as well. Check the laws in your state to confirm any of the information you have just read. I didn’t want to have to do this, but you have left me no choice. We have gotten nowhere and time has run out. I really hope you can get this matter resolved without any legal matters involved. If not, then good luck.





Jason Martin

Litigation Dept.

Emerald Marketing Group, LLC

JasonM@EmeraldMarketingLLC.com

Phone: 1-(800)496-8958 Ext. 107

Fax...: 1-(800)496-3079

I don't think he can threaten legal proceedings by a prosecutor or accuse you of any criminal activity to coerce you into paying a loan. That is an fdcpa violation in my opinion. Make sure you keep this email and any other written or taped communication you have. I would also recommend you send this guy a DV letter CMRR. If you do not have a current copy of your credit report you should pull one and verify that this entry is correct. Also check the SOL on this item. If it is out of SOL then you could just send this guy a CD letter. Another option is to dispute this item as in accurate with all 3 CRAs and try to get him on FCRA violations. Finally, you can keep working the settlement route and try to get him to send an offer in writing. Make sure the offer is signed. If they send it by email it needs to be a scanned copy that is signed not just a text email. I would try to get an original by mail though.

I have about 4000 e-mails in my junk folder that I think I'll forward to good ole JasonM. Maybe post his e-mail and phone numbers on craigslist....if all 140,000 of our members did that, he wouldn't have time to make threats....

Do you know of any way to forward all from yahoo junk mail. The only way I can see to do it is to actually open the message and then select forward. I don't want to open them. I just want to sellect all of them at once and send them on to our good friend for his viewing pleasure. hehe.

When I figure it out, I'll let you know

Also thought about signing him up for some dating sites

Hehe. I've been known to sign people up for all kinds of crap from time to time.

I figured out how to forward multiple mails off my main work email using outlook but I don't want that address spread around. I'll see if I can find something for yahoo.

Hello today I received an email from Jason Martin threating my wages and my home if I dont pay them what I owe them. And he also offered me a 50% discount on what I owe if I start paying my loan. I filed Bankruptcy back in June I would like to think that this would be in the bankruptcy?

Has anyone been sent to collections and had there credit damaged by Emerald?

post deleted,that was the worst thing i have ever seen on the forums and it is not condoned here....paulmergel

YALL PEOPLE DON'T BE SCARED & FALL FOR THERE SCAM TATICS. THEY CANNOT DO NOTHING BUT THREAT EVEN THOU YOU SIGNED SOMETHING THEY WILL NOT GO THROUGH WITH IT. THEY DON'T HAVE THE TIME & MONEY LOSS TO PURSUE THIS. THEY WILL KEEP OFFERING YOU SETTLEMENT OFFERS & SOON CHARGE IT OFF WHEN YOU DON'T PAY LIKE THEY DID TO ME. CHARGED OFF THEY CAN'T DO NOTHING OR EVEN IF ITS NOT CHARGED OFF THEY CAN'T DO NOTHING BUT THREAT. THEY WILL NEVER COME TO YOUR HOME EITHER.