emergency!!!! help asap

First off---If you only owe $20.00 you should not have to pay $145.00---that is wrong! I don't think they have grounds to file anything (assuming they were an on the level company, which sounds like they are NOT). Why don't you tell them you are sending $20.00 and nothing more. BTW---have they stated what the extra charges are for? Sounds very suspicious to me.

the extra charges is for them..where they bought the debt from the pd loan company

Since they bought the debt, they are bound by the fdcpa. In that, there is this provision:


The question, I guess, is what would be a fair fee? You may need to bring that up with the AG office.

Susie, Please read this:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
They bought your debt so they have to follow fdcpa.Read the information and send a dv letter to them with a clause in it stating calls at home are inconvenient,communicate by written method only.Next step is to verify if they are even licensed to do business in your state.Lastly,do not let them get you stressed out. The only one who can press criminal charges is law enforcement.

so can they file breach of contract papers and if so what does that mean? arrest? jail? etc. what? please answer..oh and i have seen you guys telling alot of ppl that you can NOT go to jail over defaulting on payday loans..please help..tyvm

You can not go to jail.. relax.. it is their way of freaking you out so you wire them money..
No one is coming to your door.. really.. :D

are you sure??? absolutly sure? yep im skeered lol...so someone please tell me the answer of if they can file the breach of contract papers and what is it? ty again

First thing is that you do not have the contract with them, so the breech of contract is not with them. I can't imagine buying a $20 debt, they are really getting low now. Make them validate the debt, google a debt validation letter. Make sure they own it, they should not be charging you that much to settle the debt either. When they call tell them you are waiting on a response from your states attorney generals office, then make a complaint with the attorney general's office. Don't be afraid of these bottom feeders. What state are you from?

ok fedupinpa tyvm ..i need to correct something...about the loan..when norma kalina bought the loan i owed more than the 20.00..my mistake..i had already paid them 250.00 which i owed the pd loan company an additional 20 dollars to pay their part off..i still owe 20.00 to the pd loan company and the remaining part goes to norma kalina in the amount of 125.00...sorry i just realized my mistake..do you have any responses to this..and are you absolutly sure i cant go to jail and that their filing breach of contract papers tomorrow will not be for a warrent for my arrest??? thank you all so very much

ok tyvm ..i need to correct something...about the loan..when norma kalina bought the loan i owed more than the 20.00..my mistake..i had already paid them 250.00 which i owed the pd loan company an additional 20 dollars to pay their part off..i still owe 20.00 to the pd loan company and the remaining part goes to norma kalina in the amount of 125.00...sorry i just realized my mistake..do you have any responses to this..and are you absolutly sure i cant go to jail and that their filing breach of contract papers tomorrow will not be for a warrent for my arrest??? thank you all so very much

You won't go to jail---and they are just trying to scare you. Don't let them get to you. Definitely get them to validate the debt. See what happens is when someone comes back at them with correct information and knowing about things like debt validation letters, they start to realize that you are not going to buy into their overcharging. Empower yourself with knowledge and then you will feel confident in your contact with them.

to lori and everyone that has replied to my urgent need for information..THANK YOU ALL FROM THE BOTTOM OF MY HEART...have a wonderful day and week...again thank all of you :)

All states have a fixed charge on collections. You may inquire the information from your state attorney general's office. The charges should also be available in the contract copy signed with the original creditor. Norman Kalina must not charge anything more than your state laws.

Your welcome Susie---please come back and update us. We love to help. Someone is always available to listen.

Bridget,
Per the fdcpa, no collection agency can add any fees unless they were written into original paperwork with original creditor.