So is anyone still being bothered by Emerald? Keith Czarnecki keeps emailing me idle threats. See as follows:

I honestly only remember them from attacking my bank account around the same time GFSIL did. I dont even think I had a loan with Emerald. Is is possible GFSIL sold my information? Is this a company that does "verbal contracts" or is there some form of paper?

I just checked that email account today for the first time in months(had to get a new one beacuse of all the spam from PDL's). I wrote him back asking for a copy of the contract and how much I have paid so far. No reply as of yet but I have a feeling he will write back.

Has anyone been through this with Emerald before? What happens after the "Finalization Department" email? Thanks for your help.

I will also be posting information regarding GFSIL shortly if anyone is interested.

You have every right to ask for the account status before you pay anything further. The company should have no problems in providing you the details of the account, if it's legit. Keep a follow up over the phone to speed up the actions. They need to present themselves in a professional manner. Keep a copy of all your correspondence to prove the actions from your side.

this company is a scam. and i tried to ask them for an account status and explain where they got an astronomical balance due and they refused to give me any information. they double debited my account by mistake, didn't want to refund my money and then when the bank stopped an ACH authorization, they doubled my balance due and won't even explain where the charges came from. i contacted the Better Business Bureau in Henderson, NV and hopefully they will put an end to this company.

Wow! this company has the most diplomatic ways of getting their money don't they? I think you did the right thing by contacting the BBB, the important thing is to keep records of all correspondence. Any company that is reputable and credible would not be resorting to third grade antics like this. A lawyer would shred them to pieces...they already acknowledged that they don't know what avenue they are going to pursue when they said they're attack would depend on your state laws, they're willingness to incur additional costs, and most importantly depends on the terms and conditions of the contract. Well, if you're going to threaten someone effectively, you already KNOW the terms and conditions and put that evidence in the collections attempts!
Ruby has a good point and ask for an account status. Cybill, the person who sent you your email can't even spell interest!!!
sorry you guys have to deal with that

I love how they called Cybil "scandalous". Sounds like a teen-ager wrote that one!

Cybil, if you are having trouble with PDL's (or anyone for that matter)-register and get a free consultation. Also there are many people here who are good with PDL's & the dirty tactics they use.

__________________
Mommy to Matthew Patrick...born 3/6/08!

Cybil, they sent me the same email they sent you and I feel the same way.

Not only threaten calls and going to court if I don't pay off today they even up'd the cost. I only owed 267.50 and now all of the sudden its 400.00

Sure know how to screw you over

These people have been hounding me now for over a year I have changed E-mails and have asked them on various ocassions to send me documented proof of the debt as required by federal law. however they have refused to do so.

they say that everything is done via e-mail however for whatever reason when attempting to get a documented certified letter as the laws require they refuse.

they have even called my job and left messages regarding a docket # which is illegal I am probably going to contact the local authorities.

they told me they would withdrawl $90.00 every 2 weeks the first being the interest for the $300.00 loan. after 5 $90 withdrawls i figured there must have been a mistake, come to find out my balance was still $390.00 and that all 5 $90.00 payments were "extensions" and that they were not to apply to the principle! none of this was explained to me over the phone when i applied by the way!!!

You need to close your bank account immediately. Also, you need to talk with the bank manager and make sure the account is permanently blocked so no future transaction can go through and force the account open. I would also dispute as many of those $90 charges as you can as fraud since the loan was illegal.

So has anyone actually been taken to court by Emerald? I ask b/c I am receiving the same threats. I have asked for documentation, but they have been unable to provide. The threats keep coming.

I'm not sure if Emerald has taken anyone to court. I'm going through the same thing. They have gotten to the point of getting their so called litigation department involved. They left me a message which includes a lawyer saying he represents Emerald Marketing Group and then he says that I have judgement that is currently filed in my state and he says the case number and gives me a phone number to call him back , 1-888-577-9398 ext.114. I went to my state court records site, typed my name and no information was found. I talked to a lawyer friend of mine who told me that they were doing that to scare me big time and that it was illegal for them to give me a fake case number. When I called the phone number (1-888-597-939 Jason Martin answered the phone saying Emerald Marketing. I starting questioning him and he hung up on me. I googled the number and it's a number for Shamrock Marketing. This information lead me to the obvious which is that Emerald is a scam company trying to scare people.

wow that is hilarious...this so called "company" is a joke...they have been sending me the same exact threats saying they are going to take action in court, but then sometimes they switch them up and offer me a half price discount on my loan and offer to settle for half the amount they loaned me!...If I hadnt read so many posts on people who actually pay this company, then in return keep getting the same threats and even bigger amounts of money they so call "owe", I would have taken the settlement. The best thing to do is just ignore the emails and phone calls

Has Emerald Marketing taken anyone to court?

It's SUCH a racket!! A mistake I will NEVER make again - using payday loans! I have made numerous attempts to get physical mailing address for Shamrock-LLC (a division of Emerald) to make a payment (and I refuse to pay all the extra fees they are asking). They refuse a physical address.. so, I will purchase a prepaid card and send only what I can afford to pay after living expenses are met first. I will stop paying once my original loan balance and the NSF fee is paid... I am honest to pay that; but not the additional fees. Once I send payment; I will block their emails so harrassment will stop; I've already disconnected my phone and cancelled checking account in order to get back on my feet. My sympathies to you all who have fallen into this trap!

Here's to us taking back our financial future!!