Emerald Marketing sending me idle threats

don’t really care about any of that. It doesn’t concern me at all. If you would like to discuss how you are going to pay this, then we can talk. Until then, have a great day.



From: me [mailto:jackwild@msn.com]
Sent: Friday, December 14, 2007 10:29 AM
To: Jason Martin
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC




WOW I commend you on your profesionalism. Keep the insulting emails coming it wont get you anywhere except a lawsuit for harrasement. I do not wish to receive anymore insulting emails from you or anyone in your company. Take me to court. I'll see you there. FYI I have a Bachelor of Business Administration Degree and had a job with a salary to match it before it went out of business. I dont smoke nor do I drink. You have a great holiday. Mr. Martin.


From: jasonm@emeraldmarketingllc.com
To: jackwild@msn.com
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC
Date: Fri, 14 Dec 2007 09:02:27 -0600

You are the one that took out the loan and we’re the idiots? Get a clue lady. Why don’t you get a real job that actually pays and maybe you wouldn’t have to take out payday loans genius. Don’t be mad at us because you didn’t get a good education and can’t pay your bills. Be mad at yourself. My boss sent out those emails and yes I did offer you a settlement until you started talking about $25 payments. That is not an option. So when you get it together and want to actually pay your bill instead of just saying you are going to pay it, then you can talk to me. Until then, keep smoking your paycheck and blowing off your responsibilities. It’s not getting you anywhere.



From: me [mailto:jackwild@msn.com]
Sent: Friday, December 14, 2007 8:55 AM
To: Jason Martin
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC



GUESS WHAT? U PEOPLE ARE F--KIN CRAZY. FIRST I GET AN EMAIL(WHICH I HAVE KEPT COPIES OF) ABOUT BRINGING MY BALANCE TO $213.00. I DISCUSSED MY $25.00 EVERY TWO WEEKS ARRANGEMENT WITH YOU. YOU WERE FINE WITH IT AND YOU APPROVED IT! I HAVE A COPY OF YOUR EMAIL AND NOW YOU SEND ME THIS STATEMENT THAT PAYMENTS ARE NOT AN OPTION. R U PEOPLE ON F--KIN DRUGS. AND NO I DIDN'T JUST SEE DOLLAR SIGNS IDIOT. I SAW A WAY OUT OF A SITUATION I WAS IN. WHICH HAS GOTTEN WORSE. NOT THAT ITS ANY OF YOUR F --KN BUSINESS. AND GO AHEAD AND REPORT IT THE CREDIT AGENCIES. DO YOU THINK IF I HAD GOOD CREDIT I WOULD HAVE WASTED MY TIME WITH YOU PEOPLE WHO ONLY TAKE ADVANTAGE OF PEOPLE IN SITUATIONS LIKE MINE?/ GO A HEAD TAKE ME TO COURT I HAVE ALL THE EMAILS AND I WILL EXPLAIN MY SITUATION TO THE JUDGE AND HE'LL SEE HOW F--KED UP YOU GUYS ARE.

From: jasonm@emeraldmarketingllc.com
To: jackwild@msn.com
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC
Date: Thu, 13 Dec 2007 09:20:46 -0600

I told you before that payments are not an option and you should have known that if you read your contract. Did you read it or did you just see dollar signs when you opened this loan and completely disregard what the contract said? It states that if any time your account is to go to collections, your balance is due in full. It doesn’t say that you can pay whatever you want, whenever you want. I don’t know what to tell you. I guess I have no choice but to recommend my client proceed against you for non payment of a debt. Good luck



From: me [mailto:jackwild@msn.com]
Sent: Wednesday, December 12, 2007 7:59 AM
To: Jason Martin
Subject: Status: Intention To Pay / No Cooperation from EMG. LLC



you know what? you have not try anything!! i explained my situation to you and i have asked you to contact me to make other arrangements and you havent. All you do is send me threatening emails about ruining my credit. Not once since i have emailed you last week have you said ok lets try it this way. so you are not trying to assist me in resolving this matter. You have my cooperation and my intention is to pay. What we dont have is your cooperation. I own no property or have any assets what so ever. i have $25 dollars right now to pay towards this debt. and can pay $25 every two weeks thereafter until the amount you requested which is $213.00 is completely paid in full. Tell me where to send this payment and it shall be done.!!


> From: jasonm@emeraldmarketingllc.com
> To: jackwild@msn.com
> Subject:
> Date: Tue, 11 Dec 2007 08:55:40 -0600
>
>
>
> YOU CAN REPLY TO THIS EMAIL
>
> Re: Emerald Marketing Group LLC 0710
> Customer / Loan # 27974
> NSF Recovery File #: 6161
>
> Service: Online Cash Advance
> Status: Refusal To Pay / Intentional Neglect
>
>
>

>
>
>
> I am contacting you today to see what your true intent on resolving this matter is. We have had nothing but false promises from day one. If you're true intent is to actually resolve this debt then make your payment today. You have been saying that you were going to make re payment since 10/09/07. I think that we have been too patient in waiting on a voluntary resolution to this matter. It is quite apparent that further action is necessary to recover our funds.
>
> At least we can say we tried to assist you in resolving this and received absolutely no cooperation from you.
>
>
>
>
>
> MONEY GRAM EXPRESS PAYMENT INFO.
>
> Receive Code: 5109
> Pay To: Emerald Marketing
> City: Henderson
> State: NV
> Account #:6161
>
>
> Jason Martin
> Compliance Manager
> Emerald Marketing Group LLC 0710
> JasonM@EmeraldMarketingLLC.com
> 1-800-496-8958 Toll Free
> 1-800-496-3079 Toll Free Fax
>
> We are an electronic/internet company and all correspondence is handled via email and facsimile. Communication must be forwarded to the contact information provided above.
> Thank you for your cooperation in using ONLY these methods of communication.

Yes, I've had some of the same problems with them. They are absolutely terrible. I've been getting phone calls from them, and they told me they have verified my employment, and that I'd better pay or else they will take 51 percent of my pay. I told them that in the State of California the could only take 25 percent.

The loan started out at $300, I paid a couple of payments of $90, then said that I still owed $300. During this last contact before Christmas, they said I owed them $1100. I made a $100 payment, and then the said that I owed them $1250, and that they wanted a payment every couple of weeks, and I told them to forget it. I'm not giving them another dime. Sure it is wrong to borrow money and not pay it back, but darned, if our banks can get a bail out from the government, then why cannot we get a break as well?

Times are tough for many people. Bottom line, the government needs to put these PDL companies out of business once and for all. They are very popular in the lower income neighborhoods, because they know that people need to borrow money. Bad news of 400 percent interest! OUCH!

One more thing I would like to add is that I tried to make another payment through Money Gram, and it kept coming up that my account did not exist. I tried the docket number, and then tried the 4 digit account number. Neither of them worked, so I didn't pay them. I just could not deal talking to them again because they are so nasty, and extremely agressive.

Any comments? Right now I've got a phone call into my payroll department to see if they are going to garnish my wages. If they do, I'm in deep trouble then. This will not be a good scenario.

They said that they could take 51 percent of my income. Not so in California. They need to be put out of business.

They are more like loan sharks or the mafiia than a loan company. : (

One more thing I would like to add is that I tried to make another payment through Money Gram, and it kept coming up that my account did not exist. I tried the docket number, and then tried the 4 digit account number. Neither of them worked, so I didn't pay them. I just could not deal talking to them again because they are so nasty, and extremely agressive.

Any comments? Right now I've got a phone call into my payroll department to see if they are going to garnish my wages. If they do, I'm in deep trouble then. This will not be a good scenario.

They said that they could take 51 percent of my income. Not so in California. They need to be put out of business.

They are more like loan sharks or the mafiia than a loan company. : (

They can not garnish your wages unless they take you to court and the judge orders it. Chances of a PDL doing this are pretty low since most state laws protect against it. Send your payroll a letter revoking all wage assignment agreements just in case one of the PDL's tries to get your payroll to pay them by presenting one. They aren't worth the paper they are written on as long as you make sure your payroll knows what they are doing and does not honor one.

Check your state laws to calculate the amount you owe by law. I suspect you probably paid most of it. If this is an Internet PDL then it is likely that they are operating illegally in your state anyway which means they can't even sue to win.

I just got a call today at work from them that they have a pending judgement against me in my state. How can they even get a judgement that fast anyways. Should I worry about them. What should I do?

Also why did my loan became double what I own. I took a loan out for 300 and now its 687.00. How can that be? Is that legal?

My boss is getting calls asking for our payroll department saying they have a court order for garnishment. I am currently using PDL. What should I do?

which bottomfeeder pdl do you have?if by chance they had a court ordered garnishment.they would send the papers,not call your boss.they don't have diddley squat.

i tried to make arrangements to pay my loan they refused now they have a judgement against me, can they garnish my wages or how do i get them to do a settlement if they garnish i will loose my job

I am in the same situation, i called my bank and told them, that Emerald Marketing was a fraud company. I payed 5 payments to $90 as a total of $450 and i called them, they told me that i had to them $390 still. I will do an investigation on them.

Hi i to am going thru the same mess with these people-it has become very annoying.I asked for an address from them and they said they do not accept payments by mail again it has to be by moneygram or credit card-i borrowed 200 from them and never recv"d paper work-now they say i owe them 532.00

Isnt there a way to stop them from the threatning e=mails and phone calls-there has to be they call me every day-but i do not answer the phone-i closed my checking account=but the e-mails keep coming-SOMEONE HELP!!!!!!!!

I went through the same thing with them in 2007, they can't do anything. They use to send me emails and call me constantly. Then they used a fake attorney who threatened to sue and went as far as claiming they had a judgement/summons filed against me. I checked with the courts and they had nothing recorded for me. That was the last I heard from them (March 200. They are trying to scare when in reality they are an illegal payday loan company trying to push you around. I would advise you not to panic and to ignore the calls because they will go away. They don't send you information in the mail and when you request a copy of your agreement they basically laugh in your face. So don't worry too much about them.

These people are hilarious. They emailed me several times going back and forth, my payment to them declined due to being issued a new card, and they REFUSE to accept my payments. LOL. Then, they threaten me with filing a judgement against me. It's so silly, in my state, NO creditor can garnish my wages or anything, so filing a judgement will only get me to do what I've been trying to...to PAY them...if I get served w/a judgement, I'll be sure to come back and let you all know.

People, make sure to contact your local attorney general about what to do next. We get all kinds of complaints about this company everyday and the more complaints you file with your A.G. Office, the more likely the company is to be stopped with their fraudulent practices.