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chrystalb · Posted: Wed Nov 21, 2007 6:39 pm Subject:

RoxyNY, ok. I will call them and try to work something out.

Posted: Wed Nov 21, 2007 6:40 pm Subject:

Cannr, if crystal pays the 460 and reloans, then she can invoke the EPP correct? and that will also keep it from going to legal.

Posted: Wed Nov 21, 2007 6:42 pm Subject: r

Okay, it's a local storefront telling you this. Your state law says right in it that you have the right to a repayment plan. Your storefront, of course, wants you to pay in full and re-loan. Sure they do! They want to keep you going in the vicious cycle that you'll never get out of. If the others have set you up on payments, that's great. At least they're working with you and you're paying them off. If this one storefront wants to send you to "corporate", most likely what happens then is that "coporate" will set up payment arrangments with you. Honestly. I'm being completely serious here. As hard as it is to believe, it's sometimes easier to deal with corporate than the storefront. The reason being because the storefront manager wants that money. It's commission to them each month. Once turned over to corporate (and I know from experience), you can make payment arrangements with them. And usually they're a hell of a lot nicer to deal with than the store front manager. So, it's up to you. If you can't pay the two payments (and I know I couldn't) then tell them to turn you over to corporate. At least then you will be able to set up payments. It states that right in your state pdl law.

Posted: Wed Nov 21, 2007 6:45 pm Subject: r

roxy, if she wants to. If she has the money to go in and re-loan. If she has the money, then she can go in and do that. Then before the loan due date, go in and invoke the EPP. However, the EPP will break it down into 4 equal payments. If she can do 4 equal payments, that's probably the way to go. However, if it's just "corporate" that she's getting turned over to, she can probably make lesser payment amounts. Then again, they're saying "attorney". Some storefronts will turn it over to an attorney. But all that is is them turning it over to an attorney for collections, you make payments anyway, but they WILL tack on attorney charges to the amount of the loan.

chrystalb · Posted: Wed Nov 21, 2007 6:46 pm Subject:

canner, ok. when she said corporate she said "the legal department." this leads me to believe that they will start court actions and the like. I want to avoid another thing like what the Cash Store is doing(which is my biggest worry). so even if she says "the legal department" could I still invoke the EPP like RoxyNY says? (hope that makes sense)

chrystalb · Posted: Wed Nov 21, 2007 6:47 pm Subject:

ok you answered that question so ignore my last post Smile

I think I'm OK on the Check n go one.

Now what about the Cash Store? I am very worried about that one.

Posted: Wed Nov 21, 2007 6:49 pm Subject:

I was just thinking that from all the other posts Check n go can be difficult sometimes. PAth of least resistance you know. And tryig to aviod legal action

Posted: Wed Nov 21, 2007 6:53 pm Subject: r

Who contacted you from the Cash Store? Was it the store manager? And they told you that you would be paying a truckload of money?? Good God. Okay. So they also claimed they verified your employment. Now, this isn't anything to worry about because they verify your employment when you first get a loan at a storefront. So that's nothing. I'm just wondering WHO told you that it's going to court and you'll be paying a truckload of money?

chrystalb · Posted: Wed Nov 21, 2007 8:13 pm Subject:

cannr, I contacted them and they gave me the # for the collections agency (i will have to look up the name). the woman at the collectors is the one who said "truckload of money" and referenced that it's going to court.

chrystalb · Posted: Wed Nov 21, 2007 8:23 pm Subject:

1-800-399-8584
Alliance Asset Management

this is their name according to this website:

[url]800notes.com/Phone.aspx/1-866-864-8030[/url]

Apparently they are very rude and won't give much detail, and threaten legal action a lot. They refused to send me a letter with the debt when I asked for it.

Posted: Wed Nov 21, 2007 8:31 pm Subject: r

chrystalb, so you requested debt validation and they refused it? Oh, that's not right. They're supposed to provide debt validation to you since they are a collection agency. Hmmmm... now even if they do "take you to court", I would imagine the most they could get out of you (and this is civil, not criminal) is the loan amount and any interest and attorney fees, if that's what she meant by "paying a truckload of money". However, even if you did go, and you state you do not have the money (which you don't), more than likely they're going to set you up on payments. However, they may add those fees to your amount owed. But I have an issue here with you requesting debt validation and they didn't provide it. Did you request debt validation in writing? If you have their address, I would request debt validation in writing to them. Of course, keep a copy of it and mail it certified to the idiots. It might buy you a little bit of time. But I'm also questioning whatever happened to going to mediation before being hauled off to court? This collection agency does not sound like a good one.

Posted: Wed Nov 21, 2007 8:36 pm Subject:

Crystal needs to send them a request for debt validation.

chrystalb · Posted: Wed Nov 21, 2007 8:43 pm Subject:

cannr, no they do not sound good, the woman was a real so-and-so. I did request it in writing and all I got was "we already sent you a letter on oct 24th and you had your chance to respond to it." I said I have not received the letter so how can I respond to it? She basically said too bad.

Thanks for the suggestion of the letter. Their address is on that website I mentioned so I will definitely do that with certified mail. Should I include a request for mediation in the letter?

Posted: Wed Nov 21, 2007 8:43 pm Subject: r

chrystalb, if you could do that, it might help you out with some time. They really should send you debt validation upon your written request. If they are collecting on a debt, it is your right to request debt validation from them.

Posted: Wed Nov 21, 2007 8:54 pm Subject:

If they are a 3rd party collector they have to follow the fdcpa....Crystal, here is the stickey in the Dealing with collection agencies fourm ..

http://www.debtconsolidationcare.com/settlement/about22720.html

If I may suggest, post your situation with the CA on that fourm...there may be others that have dealt with them or someone may have ideas we do not. It is also moderated by another group of people so you can get other adivice.

Posted: Wed Nov 21, 2007 9:08 pm Subject: r

They refused your written request for debt validation? Oh, this sounds like something cajun could help with.

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