They are also calling and harrasing me saying they are sendi

RM - Who is calling you?

collection agencies that do that are almost always breaking the law, yes, but without more details about your situation, we can't be sure. What's the situation?

I got several payday loans and my bank closed my account due to over draft fees. So I have been tring to make payment arrangements but they are being absurd.

I also have thought of filing bankruptcy and just getting it all behind me...

Can you please be a little clearer? Are you getting calls from the pdl places or they have sent your account to collections that is now making the calls? Debt collections are restricted within the FDCPA laws, creditors aren't. Put your written payment request to the lenders and send some money along with it. If they cash your check, your proposal will be understood as accepted and you can stick with the payments.

I also closed my account when I had internet PDLs. They cannot arrest you, so don't worry. This is just some more of their silly scare tactics. If you register as a member on here, you can speak with a debt counselor who can give you some more advice and point you in the right direction.

I think the payday loan people have transferred it to collections who in turn say they willhave me arrested for internet fraud. I consulted an attorney to file bankruptcy I just want them to quit calling my job and harrassing ne. Everyone that calls is foriegn an di can't understand them. Thanks for everyones advice....

You said everybody sounds forgein. Were these taken out over the internet? Nobody is going to come to your job a arrest you for defaulting on these ipdls. What are the names of the companies? If you give the names people who have dealt with them could give your their experiences and how the handled them.

Also they said that they are going to inform my employer I used their computer to committ fraud??? I don't know what to do.... The first company was United something with a 904 area code in jacksonville, fl.

One company is called Langhorne Law in Langhorne, PA so I got online and can't find any Langhorne Law. They said if I don't pay in full by the 19th they will notify my employer of fraudulent activity on their computer. I am confussed?? any sugeestions?

Ahh, they used that line on me as well. Was it United Federal..that's who is sounds like. These people are getting way out of control. They keep changing their name to make it harder for them to get caught. You need to file a complaint with the Florida Attorney's General office.