Check In To Cash - Keep Calling, Home, Job, and even coming.

They came to her house???? What did they say when they came to her house??? Surely that violates some harrassment law

Uhhh, I would file a police report. That is illegal. she should file harassment, maybe even stalking complaints against them.

Yeah...Steelers has a point there....

I do know that here in WI there are some payday loan places that do show up at work or your house if you do not answer your phone or call them back. That is one of the couple of steps they take before they take you to court. Another one is they will keep calling your bank to see if the funds are in there and bam, they are there in like 5 min. and cash your check at your bank in person. I would check the laws in your state along with the contract that was signed to see what collections they can and will do. Your friend needs to contact them to try and make arrangements to pay it off. But don't just ignore them because the next knock at the door could result in your friend being served papers for court.

There were 2 women, I talked to them. They asked if my friend was home, and if they could talk to her. I told them no and they handed me a letter with a paper in it and said to have her call when she "woke up" I told them she was sleep. And in the letter it had a late notice with how much she owed and the check number and all that, shouldn't they not just hand that stuff to people who answer the door? What if I had opened it and wasn't her friend or somthing....

Thanks pps! I'll let her know her options, if you have anything else that would help i'm all ears!

That I would do, let them know that any further contact should be done by mail.

With them handing you that letter, i'm not sure if they can do that or not. Because anybody could have opened that. Did the letter have your friends ss# on it or any of the bank information on it?

Oh and I would probably do what steelers suggests. Go to the police and file a report.

In OH, that is not allowed. I would definately file a police report, and it is nice they handed you a letter, that way you have the culprits names.

I agree with Steelers - file a complaint against them for the coming to the door thing - that's outrageous.

I have never heard of that in my entire experiences with PDL's--and trust me, do I have experiences with PDL's! Not only do I think that is harassment, but since your friend's debt was disclosed to a third party (you), I feel that's a fdcpa violation as well.

They only handed me the letter though, they didnt directly tell me what they wanted to talk to her was about...but handed me a letter...lol...I'll let her know to send a letter directing them to not contact her at HOME Visits, Work, or Home Phone, but only through mail. She's going to pay them but she wants to know if they're violating laws that she should act on, so further people don't get the same thing...By the way I'm in California, so should she still call the cops and file a harrasment report?

I'm in Ohio and when I defaulted on 2 storefront pdl's, (not at the same time) they came to my house. This happened more than once. I was either never home or didn't answer the door. They left a thing on my door saying "sorry I missed you, please give me a call" with the employee's name and phone number. I never knew that was illegal! They were Advance America and National Cash Advance.

I am also in California and I have never heard of that type of behavior. I also had a loan with Advance America which I did default on. I did get many phone calls from them, but I was able to work it out and pay it off in full. My point is that if they did that for everyone who defaulted, they would never be in the office, imho.

I had a PDL with Advance America, and though they weren't easy to deal with, they never came to my door. However, they did threaten to serve me papers at my workplace if it went so far as to be taken to court. It never did, but that's the direction they were headed.

I had her file at bbb.org and bbb asked what kind of settlement we would want, so I told her to ask for $1500 and a "paid in full" for a total of $1800..that should cover the 2 violations they would have to pay for right?

That is unreal that they would come to your house! I agree, file a police report ASAP!

Check into Cash went down in WV., This is one desperate company. I would also file complaints with the Attorney General in your state. KYSIDE38

Ok will do!

If they are actually coming to your house, I would definately agree that they are one desparate outfit!!

Yup to women came to her house!

Geez, they travel in pairs?? Guess they're just a little bit worried!!

She said they came by today too, but she didnt answer the door. Should she pay them and then file a suit against them? That way they don't send her to a collection agency and tack some more money on it?

They came AGAIN??????????? I would even investigate calling the police at this point!!!! I've heard of letters, emails and phone calls, but I have NEVER heard of a PDL making a house call!! Does she agree she owes the debt? If so, she needs to contact them to make payment arrangements--and put a request in writing asking that their tag teams don't make another appearance on her doorstep!

Wow when they came to my house, I thought it was completely normal. I wish I had known better then. Come to think about it, YEARS ago when I had good credit, I got offered a job at National Cash Advance. They told me that they do their own collecting and I would have to go to people's houses and stuff.

Well, about TIME you came back, you missing person, you!! Sass, can you imagine having a job like that? I would be drinking like every night!! (As if I don't right now, lol...)

Yea she know she owes it and is doing something about it, I gave her a few attorney emails from the naca.net site and filed it with bbb and I told her to file it with the attorney general too.

Good job! The more I think about this situation, the more upset I get. Here is what I think you can get them on: disclosure of her debt to a third party. Even though they gave you a sealed letter, they have no way of knowing that you wouldn't open it , right? I totally get calls, letters, etc. but I really think she needs to send this place a cease and desist letter asking that the housecalls stop.

Hey ks!!! I am SO glad that I did not take that job!!! I would not be able to live with myself. I have too much of a heart and I would not be able to talk to people like these places do and sleep at night. I am too kind and understanding to try to extort money out of people.

I'm with you, Sass. I would be the world's worst collector!! It'd be bad enough on the phone, but housecalls would make me have a breakdown!!

All i know is if i was a collector I would be broke...lol...id try to settle everything fast and low

So would I, and I would be letting people pay me like $20 a month on $500 balances and stuff.......

I couldn't do it. I'd be canned the first day!!