Wisconsin Law - Please help!

I have gotten an email from Magnum cash services (aka International Cash Services). I realize the email was meant to scare/intimidate me.. They say they are putting me into collections because I closed my bank account (the PDLs would've bled me dry if I hadn't). By my calculations, I have paid them an amount less then $20 away from what I borrowed ($400). I need to contact them within 5 business days. I really want to send them my part C&D letter/part "I'm wiling to pay but need a valid physical address" letter. I know I shouldn't be, but I am a bit scared. Should I send them this? Please help.

I also finally got a response from the WI DFI... the lady said that while Magnum was licensed in another state, ICS was not. There have been no records of either Magnum or ICS taking people to court in WI over nonpayment.

Give it some time. They will start to call. But if it affects your work, just let them know that you have had some fraud activity on your bank account and you are working with the DFI to help resolve it. I had one that called my employer every 5 mins. till the HR dept. got sick of it. They let them have it. Those people never called back. Some of mine did leave messaages, but only after trying to call about a million times and I wouldn't answer lol.

They started calling my work today, right after (apparently) calling my cell phone. I work for some giant retail corporation as a CSR and I had given the PDLs the number to HR (which is listed on the corporation's website). One PDL company claimed they called the number provided and got someone's personal voicemail system (which they shouldn't have).

I posted a thread a bit ago and just read this one. I am really needing some advice.

I can't find PayDayMax.com or Credit Protection Depot licensed anywhere, let alone Wisconsin. Does anyone have information on these companies and Wisconsin law?

I want to pay them off and be done with it. The thread I posted before is here:

http://www.debtconsolidationcare.com...read57355.html

If anyone wants to respond to it, I would certainly appreciate it.

puddlejmpr, is there anyway you can give me Kathleen's number at the WI DFI? I can't keep losing sleep over this situation.

Hi,

Hopefully you'll get a response soon. In the other thread, I saw that you have a loan with Loan Point USA. I also have one with them and have paid back in fees and some principal, well over the $300 originally borrowed. I closed my bank account on 12/18 and have not heard anything at all from them yet. Have they contacted you?

-Mary

So, inevitably I had to file Chapter 128 which is something only for Wisconsin residents and it's not bankruptcy. Under this law, no debts may be collected from me, etc after I have filed. Everyone seems okay with this but International Payment Services. They just sent me an email about 1 month after they received the filing trying to scare me. Well, at least if they do it again they are breaking more than 1 federal law.