legal meditation practice threats
Date: Wed, 12/27/2006 - 15:52
Submitted by aureliolazalde23
on
Wed, 12/27/2006 - 15:52
Total Replies: 8
Welcome the forums! Can you please provide a little more deta
Welcome the forums!
Can you please provide a little more detail on what type of debt this is? Medical, payday loan, etc?
I would demand validation of the debt in writing by sending the company a debt validation letter, via certified mail, return receipt requested.
Also, since you have registered with this site, a consultant from your area will be contacting you soon to discuss your options for debt consolidation or settlement. If you do not feel you need their services, please let them know when they call.
Let them record your phone calls. Ask for the debt validation in
Let them record your phone calls. Ask for the debt validation in the recording. I am sure they haven't sent you anything about the debt in writing. They have to follow the federal laws during collections. You should not be paying anything just because someone told you on the phone about a debt you owe. They are trying to scare you. Do the opposite. Be aware of your rights and throw it back to them.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
They are paid day loans. What can I do to make them stop calling
They are paid day loans. What can I do to make them stop calling me at work and my relatives by tonight? I know I can send them a letter but that won't get there for a few days. Please help, I don't want to loose my job over this.
If you could tell us what companies they are, then we could prob
If you could tell us what companies they are, then we could probably help EVEN more. Just about everyone on here, is or has had a past experience with these PDL creeps.
aurelio - You won't be able to get them to stop by tonight.
aurelio -
You won't be able to get them to stop by tonight. I'm sorry to say that, but it's a fact. Most of these companies thrive on fear and intimidation, and they will attempt to call you over and over until you agree to pay them.
Follow the steps outlined by our posts above, and they will stop eventually, but it won't be immediately.
ace, cash central, cash advance, pay day one, cash call,
ace, cash central, cash advance, pay day one, cash call,
I have personally never dealt with either of those. If you will
I have personally never dealt with either of those. If you will hang around a little bit, I am sure that someone will post on them. Also, you can google them and posts will come up for them. Be sure to check your states laws regarding PDL's too..
Quote:California State Information Legal Status: Legal Cit
Quote:
California State Information Legal Status: Legal Citation: Cal. Fin. Code ???????? 23000 to 23106 Loan Terms: Maximum Loan Amount: $300 Loan Term: Max: 31 days Maximum Finance Rate and Fees: 15% of check Finance Charge for 14-day $100 loan: $17.65 apr for 14-day $100 loan: 459% Debt Limits: Maximum Number of Outstanding Loans at One Time: One Rollovers Permitted: None (cannot charge fee for extension) Cooling-off Period: None Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan) Collection Limits: Collection Fees: $15 NSF fee Criminal Action: Prohibited Where to Complain, Get Information: Regulator: California Department of Corporations Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento, CA 95814 Phone: (866) 275-2677 Fax: Regulatory Contact: , http://www.corp.ca.gov/ |