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I need help ...with collections

Date: Thu, 01/25/2007 - 14:17

Submitted by verdepr2003
on Thu, 01/25/2007 - 14:17

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Total Replies: 53


I recieved one of those collection calls telling me im going to go to jail, if I dont pay, I recently had to close my acct due to my debit card being stolen and used. I had a pdl with VC funding and of course i couldnt find a phone number for them anywhere...so i get this crazy call and i put there phone # into google and I find you guys...also the # for VC funding..i missed one payment last week and they sent it to collections..Am i going to have to pay $600 for a $250 loan..PLEASE HELP!!


Hi Verdepr,

First of all, welcome to the forums :-) No, you can't go to jail over this debt. There is no such thing as debtor's prison anymore. Was this a third party collection agency that contacted you regarding the debt? Or was it the original lender? Who was the company who contacted you? Threats of jail are typical when dealing with payday lenders or their collections department. If you can give me this info, then I can give you more information. Please feel free to pm me if you don't want to post it in the forum.


lrhall41

Submitted by Cow & Chicken on Thu, 01/25/2007 - 14:33

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Thanks for the welcome..the company that called was Bass & Associates..her name was Kelly young. After i found VC funding # i called them and they told me to call I-somthing..and ask for lindsey..so i call and its a recording to leave my info..i did leave a msg that # was 866-856-1024. I called VC funding back and told them im willing to pay..but they didnt want to hear it. So I guess I wait?? Or should i send the payment directly to there office??


lrhall41

Submitted by verdepr2003 on Thu, 01/25/2007 - 15:01

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verdepr2003;

To further ease your mind whenever a collection agent telling you can go to jail, here are the three & only reasons could cause you go to jail:

1-Willfully violate a court order, especially an order that requires you make child support payments.

2- Are convicted of willfully refusing to pay income taxes or,

3- Are about to conceal yourself or your property to avoid paying a debt which a creditor has a judgement against you.

Finally, debtors prisons were eliminated by the year *1850*.....so breath a lot easier verdepr, okie dokie? ;)


lrhall41

Submitted by texasconsumeractivist on Thu, 01/25/2007 - 15:36

( Posts: 664 | Credits: )


And may I add to Tex's fine post the following: that debtor's prisons went out with Charles Dickens (and we all know when HE died, right?)
Also, if anyone calls you and tells you that you're going down the river again (and Bass and Associates is FAMOUS for this), tell them you need a vacation and to come and get you. I'm telling you this because defaulting on a PDL is NOT a crime. You can check your state laws for this.
PDL companies can however file suit against you in civil court--which does not send people to jail. Bass and Associates will tell you that they are going to have your grandmother arrested, or tell you their latest piece of fiction: that 25 people are coming to arrest you. IT'S ALL LIES!!!!!!!!!!!!! So sleep easy tonight!!!!
Besides, if they did that to everyone in the USA who's defaulted on a PDL, they'd have ghosttowns across the country, right?


lrhall41

Submitted by kscornell on Thu, 01/25/2007 - 19:19

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9378 Arlington Expy Ste 323 Jacksonville, FL 32225 This is the address that I found for Bass & Associates. I wouldn't send them a penny until they have validated the debt. Send them a debt validation letter via certified mail with return receipt requested. This way you will have proof that they received your letter. There is a sample letter in the DIY section of the forum. Also, make a copy for yourself. Also, file the appropriate complaints against this company. They have an unsatisfactory record with the BBB.


lrhall41

Submitted by Cow & Chicken on Fri, 01/26/2007 - 05:19

( Posts: 3571 | Credits: )


I would also like to add that even if they do take you to court, the worst case scenario is they get a judgement against you in order to garnish your paycheck. Not sure, but I believe the most they can garnish is 25% of your expendable income. If you don't have expendable income, they can't do too much about it. Of course, if they're a lagit company, they will be reporting it to the credit bureaus. Next time they tell you your going to jail, tell them they are in violation of the Fair Debt Collection Practices Act. If you decide to take them to court and win, they will owe you up to $1000.00 for each violation. Don't let them intimidate you though. They'll say anything to get you to pay. If they don't want to make arrangements, that's their problem.


lrhall41

Submitted by macwetzel on Fri, 01/26/2007 - 20:20

( Posts: 10 | Credits: )


I have to say that Tex's post about the 3 causes of going to jail the one that cracks me up is

1-Willfully violate a court order, especially an order that requires you make child support payments.


My ex husband owes me close to 10,000 in back child support. I am at ease that I will NOT go to jail over a payday loan :) I have gotten those calls too saying I need to pay 3 times the amount of the loan or I was being "downloaded" in my county. Still trying to figure what that means still?

Welcome to the forums Verdepr2003 :)


lrhall41

Submitted by Tweety71 on Tue, 01/30/2007 - 10:14

( Posts: 2061 | Credits: )


actually folks, it's generally used by those that are computer ignorant but what you to think they know it all......had a guy tell me at a job one time, that he wanted to download to me. I had him stand on a pallet with a forklift under it so that he was a lot taller than me (5'10").
After I raised him way up there, I told him to start his downloading & left. Ever see a grown man cry cuz he was stranded high up off the floor on a forklift?

*chuckle*


lrhall41

Submitted by texasconsumeractivist on Tue, 01/30/2007 - 12:08

( Posts: 664 | Credits: )


texas i really think that your posts are
great and i really enjoy to read all
your posts.i can read very well english
but i cannot write very well english.
i really want to vote for you in 2007.
i really think is very funny stuff about
downloads here.i think you did the
right thing.dont worry about a job that
was no right for you!


lrhall41

Submitted by tsacgiv on Wed, 01/31/2007 - 09:27

( Posts: 2106 | Credits: )


Yes! It takes time, maybe 2 to 4 wks before anythings processed through district court, he said county so to me, that is district court. Then maybe 30-45 day delay, mailing (certified) or hand delivery of notice, replying to notice, yada, yada, yada.
Understand what I'm saying? So.....they could be delayed even further if it's done right.

But by no means can a collector *immediately download* his data onto a government computer system of any kind. Besides? I think someone's ass would get tossed in *crowbar hotel* for cracking any kind of a government system to "download" his/her data to a court system.

Okie dokie?


:)


lrhall41

Submitted by texasconsumeractivist on Wed, 01/31/2007 - 11:43

( Posts: 664 | Credits: )


Do you guys have any idea how checkngo online does their collection effort? I don't have the full amount to pay them, was wondering do they accept payment arrangements? Do they use a collection agency? Really need an answer pretty quick on this one. Please help.


lrhall41

Submitted by fedupinpa on Thu, 02/01/2007 - 06:09

( Posts: 1511 | Credits: )


am I missing something?


OH FYI- last night I was making brownies for my son and you know those packages with the syrup that comes SEPERATE? Well guess who forgot to add the syrup :shock: :oops:

Anywho- Still looking for the cease and desist letter to send to the collection companies.......


lrhall41

Submitted by Tweety71 on Thu, 02/01/2007 - 09:52

( Posts: 2061 | Credits: )