Emerald Marketing sending me idle threats

You have every right to ask for the account status before you pay anything further. The company should have no problems in providing you the details of the account, if it's legit. Keep a follow up over the phone to speed up the actions. They need to present themselves in a professional manner. Keep a copy of all your correspondence to prove the actions from your side.

this company is a scam. and i tried to ask them for an account status and explain where they got an astronomical balance due and they refused to give me any information. they double debited my account by mistake, didn't want to refund my money and then when the bank stopped an ACH authorization, they doubled my balance due and won't even explain where the charges came from. i contacted the Better Business Bureau in Henderson, NV and hopefully they will put an end to this company.

[quote]*** read his threatening emails to me.....****


RE: account???????
From: Jason Martin (jasonm@emeraldmarketingllc.com)
Sent: Wed 10/31/07 10:45 AM
To: 'cybill' (cybscrib@hotmail.com)
Your threats do nothing for me. You owe a debt and you know it. If you didn????????t want to abide by the terms of your contract, then you shouldn????????t have opened the loan. If you have money for an attorney, then you should have enough to pay YOUR BILL. You are scandalous for writing us an NSF check, so call us what you want to but you took money that you didn????????t pay for. Call whoever you want to because we have lawyers too. Next time, maybe you should actually READ your contract instead of just seeing dollar signs. Good luck.




--------------------------------------------------------------------------------

From: cybill [mailto:cybscrib@hotmail.com]
Sent: Wednesday, October 31, 2007 9:34 AM
To: Jason Martin
Subject: RE: account
Importance: High



i have contacted the Better Business Bureau and have notified them of your company's scandalous ways. I will be contacting my lawyer and will be suing you if you continue to harrass me with e-mails

> From: jasonm(at)emeraldmarketingllc.com
> To:
> Subject:
> Date: Wed, 31 Oct 2007 09:06:42 -0500
>
> YOU CAN REPLY TO THIS EMAIL
>
>
> Cybill,
>
> Our company has notified you numerous times and made several attempts to allow you to take care of your internet bad check loan, since you have chose not to respond orvoluntarily make payment arrangments we have no choice but to move forward.
>
> We have documented your file as an Official Refusal To Pay, and will report your account to all credit bureaus as well as Teletrack, CL Verify, Telecheck, SCAN & Check Systems.
>
> Also we see it to our best intrest to further investigate your internet address and Social Security Number, for potential internet fraud against our company.
>
> If you want to prevent investigation, protect your credit rating and check writing privilges, you need to contact us today October 31, 2007<at>
>
> Re: Emerald Marketing Group LLC 0710
> NSF RECOVERY FILE #: 6438 AMOUNT DUE: $ 752.88
> CUSTOMER / LOAN # 16688
>
>
>
> Emerald Marketing Group LLC 0710 NSF RECOVERY DIVISION 1-800-496-8958
>[/quote]

Wow! this company has the most diplomatic ways of getting their money don't they? I think you did the right thing by contacting the BBB, the important thing is to keep records of all correspondence. Any company that is reputable and credible would not be resorting to third grade antics like this. A lawyer would shred them to pieces...they already acknowledged that they don't know what avenue they are going to pursue when they said they're attack would depend on your state laws, they're willingness to incur additional costs, and most importantly depends on the terms and conditions of the contract. Well, if you're going to threaten someone effectively, you already KNOW the terms and conditions and put that evidence in the collections attempts!
Ruby has a good point and ask for an account status. Cybill, the person who sent you your email can't even spell interest!!! :) :)
sorry you guys have to deal with that

I love how they called Cybil "scandalous". Sounds like a teen-ager wrote that one!

Cybil, if you are having trouble with PDL's (or anyone for that matter)-register and get a free consultation. Also there are many people here who are good with PDL's & the dirty tactics they use.

Cybil, they sent me the same email they sent you and I feel the same way.

Not only threaten calls and going to court if I don't pay off today they even up'd the cost. I only owed 267.50 and now all of the sudden its 400.00

Sure know how to screw you over

These people have been hounding me now for over a year I have changed E-mails and have asked them on various ocassions to send me documented proof of the debt as required by federal law. however they have refused to do so.

they say that everything is done via e-mail however for whatever reason when attempting to get a documented certified letter as the laws require they refuse.

they have even called my job and left messages regarding a docket # which is illegal I am probably going to contact the local authorities.

they told me they would withdrawl $90.00 every 2 weeks the first being the interest for the $300.00 loan. after 5 $90 withdrawls i figured there must have been a mistake, come to find out my balance was still $390.00 and that all 5 $90.00 payments were "extensions" and that they were not to apply to the principle! none of this was explained to me over the phone when i applied by the way!!!

You need to close your bank account immediately. Also, you need to talk with the bank manager and make sure the account is permanently blocked so no future transaction can go through and force the account open. I would also dispute as many of those $90 charges as you can as fraud since the loan was illegal.

So has anyone actually been taken to court by Emerald? I ask b/c I am receiving the same threats. I have asked for documentation, but they have been unable to provide. The threats keep coming.

I'm not sure if Emerald has taken anyone to court. I'm going through the same thing. They have gotten to the point of getting their so called litigation department involved. They left me a message which includes a lawyer saying he represents Emerald Marketing Group and then he says that I have judgement that is currently filed in my state and he says the case number and gives me a phone number to call him back , 1-888-577-9398 ext.114. I went to my state court records site, typed my name and no information was found. I talked to a lawyer friend of mine who told me that they were doing that to scare me big time and that it was illegal for them to give me a fake case number. When I called the phone number (1-888-597-9398) Jason Martin answered the phone saying Emerald Marketing. I starting questioning him and he hung up on me. I googled the number and it's a number for Shamrock Marketing. This information lead me to the obvious which is that Emerald is a scam company trying to scare people.

wow that is hilarious...this so called "company" is a joke...they have been sending me the same exact threats saying they are going to take action in court, but then sometimes they switch them up and offer me a half price discount on my loan and offer to settle for half the amount they loaned me!...If I hadnt read so many posts on people who actually pay this company, then in return keep getting the same threats and even bigger amounts of money they so call "owe", I would have taken the settlement. The best thing to do is just ignore the emails and phone calls

Has Emerald Marketing taken anyone to court?

It's SUCH a racket!! A mistake I will NEVER make again - using payday loans! I have made numerous attempts to get physical mailing address for Shamrock-LLC (a division of Emerald) to make a payment (and I refuse to pay all the extra fees they are asking). They refuse a physical address.. so, I will purchase a prepaid card and send only what I can afford to pay after living expenses are met first. I will stop paying once my original loan balance and the NSF fee is paid... I am honest to pay that; but not the additional fees. Once I send payment; I will block their emails so harrassment will stop; I've already disconnected my phone and cancelled checking account in order to get back on my feet. My sympathies to you all who have fallen into this trap!

Here's to us taking back our financial future!!
:)

Emerald Marketing did garnish my wages. They took about $2,000 because they held me liable for the attoneys fees plus all the late fees. My sister went through them also and she paid an out of court settlement and they sent her a paid in full statement almost immediately.

Unless they took you to court and obtained a judgment they could not garnish your wages. If they did take you to court and you put up a fight at all you could have gotten all the extra fees and penalties removed. Frankly, if you gave them $2,000 on an illegal loan then you were scammed.

I consulted an attorney, being that I signed a legal binding contract, he informed me there is nothing I can do.

I am not familiar with this company but based on this thread it looks like they are JDBs and it sounds like you were scammed. I think if those that are stuck dealing with these guys follow the guidelines on getting the debt validated and so forth then they will save themselves a lot of money. I am not sure what you signed exactly but I do know people sign contracts all the time including contracts for PDL, IPDL and CC contracts and then they end up settling for far less than what the collectors are trying to get. Basically without a judgment to enforce that contract they have no forceful way to collect other than harassing telephone calls. It is possible that whatever you signed could have been used in court to force you into garnishment or other forms of monetary recovery on their part but garnishment can not be done as far as I know without a judgment to back it up unless you voluntarily allow garnishment.

It all depends on what state you live in. Certain states that are "non-garnishable" states, yes, you have to file a judgment, however if you're not fortunate enough to live in one of those states, all they have to do is have an attorney file the paperwork, and fax it to the payroll department.

That is not correct guest. A non garnishment state means you can not be garnished even if they get a judgment. In a state that allows garnishment they still have to get a judgment. A lawyer can not just send over some mumbo jumbo BS and then your company is required to follow it. That is called voluntary wage assignment and can be revoked at any time. Many PDLs have their victims .... I mean customers sign those wage assignment agreements but those agreements are worthless if you send a simple letter to both the PDL and your company revoking the wage assignment. Forced garnishment can only be done with a court order. A lawyer can not collect via garnishment without that court order.

This is the email I got from Jason, he talks of offering me a settlement, and I have NEVER been offered a settlement. Seems they like to make threats. I suprised he didn't threaten to tell my mommy too. I sent Jason a settlement offer, I will see if they are really willing to settle and let you know.





From: [email]jasonm@emeraldmarketingllc.com[/email]
To: [email]jasonm@emeraldmarketingllc.com[/email]
Subject: DOCKETT #243-5510
Date: Thu, 11 Sep 2008 10:52:18 -0500


As you know, I have tried to contact you numerous times and have either gotten no response at all or an excuse as to why you can????????t pay. You????????ve had more than enough time to get this matter resolved and my client has decided to go ahead and move forward with legal proceedings against you for bad check writing across state lines as well as non payment of a debt. All of this information was in your legal binding contract that you must have failed to read when you first opened the loan. There have been settlement offers as well as payment plans offered and you either ignore the situation completely or continue to tell me how you can????????t pay. You were given a loan in good faith and have not followed thru with your part of the deal. I am no longer going to be able to help you unless you call today to get this matter resolved. Within the next 10 days your account will be reviewed by the prosecutor????????s office to determine how they should proceed. You will more than likely need to retain an attorney to assist you in this matter when it is taken to court. At that time, you will be responsible for paying the balance in its entirety, along with the finance charges, late fees, interest, NSF fees, court costs, attorney fees, and all fines that the judge will assess you. Your employer will be contacted at that time and all fines and fees will continue to be deducted from your paycheck until it is completely paid off. Once again, all of this information was in your contract, so if you did read it, then you already knew this information. I have tried to work with you but have gotten no results. If I do not hear from you immediately, there is nothing more that I can do for you. Also, it doesn????????t matter if you didn????????t get this email on time or you claim to not have gotten any phone messages from me either. You gave the information that we have on file when you opened the loan, so if any of th at information has changed, it is YOUR responsibility to make sure that you call in to get if corrected, so that excuse won????????t work. We will still move forward, whether you claim to have knowledge of this or not. The bottom line is that you knew that you opened a loan and that you haven????????t paid it back. If this is not taken care of voluntarily, someone will be serving papers to you at your place of employment as well as your home. Your spouse will be served as well. Check the laws in your state to confirm any of the information you have just read. I didn????????t want to have to do this, but you have left me no choice. We have gotten nowhere and time has run out. I really hope you can get this matter resolved without any legal matters involved. If not, then good luck.





Jason Martin

Litigation Dept.

Emerald Marketing Group, LLC

[email]JasonM@EmeraldMarketingLLC.com[/email]

Phone: 1-(800)496-8958 Ext. 107

Fax...: 1-(800)496-3079

I don't think he can threaten legal proceedings by a prosecutor or accuse you of any criminal activity to coerce you into paying a loan. That is an fdcpa violation in my opinion. Make sure you keep this email and any other written or taped communication you have. I would also recommend you send this guy a DV letter CMRR. If you do not have a current copy of your credit report you should pull one and verify that this entry is correct. Also check the SOL on this item. If it is out of SOL then you could just send this guy a CD letter. Another option is to dispute this item as in accurate with all 3 CRAs and try to get him on FCRA violations. Finally, you can keep working the settlement route and try to get him to send an offer in writing. Make sure the offer is signed. If they send it by email it needs to be a scanned copy that is signed not just a text email. I would try to get an original by mail though.

I have about 4000 e-mails in my junk folder that I think I'll forward to good ole JasonM. Maybe post his e-mail and phone numbers on craigslist....if all 140,000 of our members did that, he wouldn't have time to make threats.... :twisted:

Do you know of any way to forward all from yahoo junk mail. The only way I can see to do it is to actually open the message and then select forward. I don't want to open them. I just want to sellect all of them at once and send them on to our good friend for his viewing pleasure. hehe.

When I figure it out, I'll let you know :twisted:

Also thought about signing him up for some dating sites

Hehe. I've been known to sign people up for all kinds of crap from time to time.

I figured out how to forward multiple mails off my main work email using outlook but I don't want that address spread around. I'll see if I can find something for yahoo.

Hello today I received an email from Jason Martin threating my wages and my home if I dont pay them what I owe them. And he also offered me a 50% discount on what I owe if I start paying my loan. I filed Bankruptcy back in June I would like to think that this would be in the bankruptcy?

Has anyone been sent to collections and had there credit damaged by Emerald?

post deleted,that was the worst thing i have ever seen on the forums and it is not condoned here....paulmergel

YALL PEOPLE DON'T BE SCARED & FALL FOR THERE SCAM TATICS. THEY CANNOT DO NOTHING BUT THREAT EVEN THOU YOU SIGNED SOMETHING THEY WILL NOT GO THROUGH WITH IT. THEY DON'T HAVE THE TIME & MONEY LOSS TO PURSUE THIS. THEY WILL KEEP OFFERING YOU SETTLEMENT OFFERS & SOON CHARGE IT OFF WHEN YOU DON'T PAY LIKE THEY DID TO ME. CHARGED OFF THEY CAN'T DO NOTHING OR EVEN IF ITS NOT CHARGED OFF THEY CAN'T DO NOTHING BUT THREAT. THEY WILL NEVER COME TO YOUR HOME EITHER.

don????????t really care about any of that. It doesn????????t concern me at all. If you would like to discuss how you are going to pay this, then we can talk. Until then, have a great day.



From: me [mailto:jackwild@msn.com]
Sent: Friday, December 14, 2007 10:29 AM
To: Jason Martin
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC




WOW I commend you on your profesionalism. Keep the insulting emails coming it wont get you anywhere except a lawsuit for harrasement. I do not wish to receive anymore insulting emails from you or anyone in your company. Take me to court. I'll see you there. FYI I have a Bachelor of Business Administration Degree and had a job with a salary to match it before it went out of business. I dont smoke nor do I drink. You have a great holiday. Mr. Martin.


From: [email]jasonm@emeraldmarketingllc.com[/email]
To: [email]jackwild@msn.com[/email]
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC
Date: Fri, 14 Dec 2007 09:02:27 -0600

You are the one that took out the loan and we????????re the idiots? Get a clue lady. Why don????????t you get a real job that actually pays and maybe you wouldn????????t have to take out payday loans genius. Don????????t be mad at us because you didn????????t get a good education and can????????t pay your bills. Be mad at yourself. My boss sent out those emails and yes I did offer you a settlement until you started talking about $25 payments. That is not an option. So when you get it together and want to actually pay your bill instead of just saying you are going to pay it, then you can talk to me. Until then, keep smoking your paycheck and blowing off your responsibilities. It????????s not getting you anywhere.



From: me [mailto:jackwild@msn.com]
Sent: Friday, December 14, 2007 8:55 AM
To: Jason Martin
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC



GUESS WHAT? U PEOPLE ARE F--KIN CRAZY. FIRST I GET AN EMAIL(WHICH I HAVE KEPT COPIES OF) ABOUT BRINGING MY BALANCE TO $213.00. I DISCUSSED MY $25.00 EVERY TWO WEEKS ARRANGEMENT WITH YOU. YOU WERE FINE WITH IT AND YOU APPROVED IT! I HAVE A COPY OF YOUR EMAIL AND NOW YOU SEND ME THIS STATEMENT THAT PAYMENTS ARE NOT AN OPTION. R U PEOPLE ON F--KIN DRUGS. AND NO I DIDN'T JUST SEE DOLLAR SIGNS IDIOT. I SAW A WAY OUT OF A SITUATION I WAS IN. WHICH HAS GOTTEN WORSE. NOT THAT ITS ANY OF YOUR F --KN BUSINESS. AND GO AHEAD AND REPORT IT THE CREDIT AGENCIES. DO YOU THINK IF I HAD GOOD CREDIT I WOULD HAVE WASTED MY TIME WITH YOU PEOPLE WHO ONLY TAKE ADVANTAGE OF PEOPLE IN SITUATIONS LIKE MINE?/ GO A HEAD TAKE ME TO COURT I HAVE ALL THE EMAILS AND I WILL EXPLAIN MY SITUATION TO THE JUDGE AND HE'LL SEE HOW F--KED UP YOU GUYS ARE.

From: [email]jasonm@emeraldmarketingllc.com[/email]
To: [email]jackwild@msn.com[/email]
Subject: RE: Status: Intention To Pay / No Cooperation from EMG. LLC
Date: Thu, 13 Dec 2007 09:20:46 -0600

I told you before that payments are not an option and you should have known that if you read your contract. Did you read it or did you just see dollar signs when you opened this loan and completely disregard what the contract said? It states that if any time your account is to go to collections, your balance is due in full. It doesn????????t say that you can pay whatever you want, whenever you want. I don????????t know what to tell you. I guess I have no choice but to recommend my client proceed against you for non payment of a debt. Good luck



From: me [mailto:jackwild@msn.com]
Sent: Wednesday, December 12, 2007 7:59 AM
To: Jason Martin
Subject: Status: Intention To Pay / No Cooperation from EMG. LLC



you know what? you have not try anything!! i explained my situation to you and i have asked you to contact me to make other arrangements and you havent. All you do is send me threatening emails about ruining my credit. Not once since i have emailed you last week have you said ok lets try it this way. so you are not trying to assist me in resolving this matter. You have my cooperation and my intention is to pay. What we dont have is your cooperation. I own no property or have any assets what so ever. i have $25 dollars right now to pay towards this debt. and can pay $25 every two weeks thereafter until the amount you requested which is $213.00 is completely paid in full. Tell me where to send this payment and it shall be done.!!


> From: [email]jasonm@emeraldmarketingllc.com[/email]
> To: [email]jackwild@msn.com[/email]
> Subject:
> Date: Tue, 11 Dec 2007 08:55:40 -0600
>
>
>
> YOU CAN REPLY TO THIS EMAIL
>
> Re: Emerald Marketing Group LLC 0710
> Customer / Loan # 27974
> NSF Recovery File #: 6161
>
> Service: Online Cash Advance
> Status: Refusal To Pay / Intentional Neglect
>
>
>

>
>
>
> I am contacting you today to see what your true intent on resolving this matter is. We have had nothing but false promises from day one. If you're true intent is to actually resolve this debt then make your payment today. You have been saying that you were going to make re payment since 10/09/07. I think that we have been too patient in waiting on a voluntary resolution to this matter. It is quite apparent that further action is necessary to recover our funds.
>
> At least we can say we tried to assist you in resolving this and received absolutely no cooperation from you.
>
>
>
>
>
> MONEY GRAM EXPRESS PAYMENT INFO.
>
> Receive Code: 5109
> Pay To: Emerald Marketing
> City: Henderson
> State: NV
> Account #:6161
>
>
> Jason Martin
> Compliance Manager
> Emerald Marketing Group LLC 0710
> [email]JasonM@EmeraldMarketingLLC.com[/email]
> 1-800-496-8958 Toll Free
> 1-800-496-3079 Toll Free Fax
>
> We are an electronic/internet company and all correspondence is handled via email and facsimile. Communication must be forwarded to the contact information provided above.
> Thank you for your cooperation in using ONLY these methods of communication.

Yes, I've had some of the same problems with them. They are absolutely terrible. I've been getting phone calls from them, and they told me they have verified my employment, and that I'd better pay or else they will take 51 percent of my pay. I told them that in the State of California the could only take 25 percent.

The loan started out at $300, I paid a couple of payments of $90, then said that I still owed $300. During this last contact before Christmas, they said I owed them $1100. I made a $100 payment, and then the said that I owed them $1250, and that they wanted a payment every couple of weeks, and I told them to forget it. I'm not giving them another dime. Sure it is wrong to borrow money and not pay it back, but darned, if our banks can get a bail out from the government, then why cannot we get a break as well?

Times are tough for many people. Bottom line, the government needs to put these PDL companies out of business once and for all. They are very popular in the lower income neighborhoods, because they know that people need to borrow money. Bad news of 400 percent interest! OUCH!

One more thing I would like to add is that I tried to make another payment through Money Gram, and it kept coming up that my account did not exist. I tried the docket number, and then tried the 4 digit account number. Neither of them worked, so I didn't pay them. I just could not deal talking to them again because they are so nasty, and extremely agressive.

Any comments? Right now I've got a phone call into my payroll department to see if they are going to garnish my wages. If they do, I'm in deep trouble then. This will not be a good scenario.

They said that they could take 51 percent of my income. Not so in California. They need to be put out of business.

They are more like loan sharks or the mafiia than a loan company. : (

One more thing I would like to add is that I tried to make another payment through Money Gram, and it kept coming up that my account did not exist. I tried the docket number, and then tried the 4 digit account number. Neither of them worked, so I didn't pay them. I just could not deal talking to them again because they are so nasty, and extremely agressive.

Any comments? Right now I've got a phone call into my payroll department to see if they are going to garnish my wages. If they do, I'm in deep trouble then. This will not be a good scenario.

They said that they could take 51 percent of my income. Not so in California. They need to be put out of business.

They are more like loan sharks or the mafiia than a loan company. : (

They can not garnish your wages unless they take you to court and the judge orders it. Chances of a PDL doing this are pretty low since most state laws protect against it. Send your payroll a letter revoking all wage assignment agreements just in case one of the PDL's tries to get your payroll to pay them by presenting one. They aren't worth the paper they are written on as long as you make sure your payroll knows what they are doing and does not honor one.

Check your state laws to calculate the amount you owe by law. I suspect you probably paid most of it. If this is an Internet PDL then it is likely that they are operating illegally in your state anyway which means they can't even sue to win.

I just got a call today at work from them that they have a pending judgement against me in my state. How can they even get a judgement that fast anyways. Should I worry about them. What should I do?

Also why did my loan became double what I own. I took a loan out for 300 and now its 687.00. How can that be? Is that legal?

My boss is getting calls asking for our payroll department saying they have a court order for garnishment. I am currently using PDL. What should I do?

which bottomfeeder pdl do you have?if by chance they had a court ordered garnishment.they would send the papers,not call your boss.they don't have diddley squat.

i tried to make arrangements to pay my loan they refused now they have a judgement against me, can they garnish my wages or how do i get them to do a settlement if they garnish i will loose my job

I am in the same situation, i called my bank and told them, that Emerald Marketing was a fraud company. I payed 5 payments to $90 as a total of $450 and i called them, they told me that i had to them $390 still. I will do an investigation on them.

Hi i to am going thru the same mess with these people-it has become very annoying.I asked for an address from them and they said they do not accept payments by mail again it has to be by moneygram or credit card-i borrowed 200 from them and never recv"d paper work-now they say i owe them 532.00

Isnt there a way to stop them from the threatning e=mails and phone calls-there has to be they call me every day-but i do not answer the phone-i closed my checking account=but the e-mails keep coming-SOMEONE HELP!!!!!!!!

I went through the same thing with them in 2007, they can't do anything. They use to send me emails and call me constantly. Then they used a fake attorney who threatened to sue and went as far as claiming they had a judgement/summons filed against me. I checked with the courts and they had nothing recorded for me. That was the last I heard from them (March 2008). They are trying to scare when in reality they are an illegal payday loan company trying to push you around. I would advise you not to panic and to ignore the calls because they will go away. They don't send you information in the mail and when you request a copy of your agreement they basically laugh in your face. So don't worry too much about them.

These people are hilarious. They emailed me several times going back and forth, my payment to them declined due to being issued a new card, and they REFUSE to accept my payments. LOL. Then, they threaten me with filing a judgement against me. It's so silly, in my state, NO creditor can garnish my wages or anything, so filing a judgement will only get me to do what I've been trying to...to PAY them...if I get served w/a judgement, I'll be sure to come back and let you all know.

People, make sure to contact your local attorney general about what to do next. We get all kinds of complaints about this company everyday and the more complaints you file with your A.G. Office, the more likely the company is to be stopped with their fraudulent practices.

Can EMG LLC the payday loan company that everyone is compling about can they garnish my wages in the state of Texas. They called my employment and tthis guy named scott said that he had 2 ppl with same name and I owed them over 700 hundred dollars I have not had anymore contact with this scott since the end of may and he refuses to send anything in writing.can some1 tell me if they can do that.

[size=3][/size][font=Times New Roman][/font]
I can sypathize with all these posts. They have been harrassing me at workand my demands for it to cease are replied with they have every right to contact me in any manner. My employer has demanded they stop, but they dont. My coworkers are fed up with the whole matter. And, I will lose my job if it doesnt stop.
They have my cell, and have only called it to state my threats are nothing. That they are untouchable because they collect thru what is called virtual collection. You call their number and is is an automated system that doesnt identify company. You have to leave a message for a call back, there isnt a live body to discuss anything with. I stopped taking their calls as they are very demeaning calling me a criminal, a loser, and a slacker that doesnt deserve any special consideration.

They demand I pay by credit card and I refused to give them any information until my request of a copy and breakdown of this bill, along with a legitimate mailing address and contact number. They hung up on me.

I am certain almost that the address in Henderson, NV is a vacant suite, just for purpose of collecting money through various means, quick collect, moneygram etc.

They are ruthless, and seem to be unreachable legally. I have tried.

Any suggestions?
Thank You

I had not paid much attention to the PDL people, but today I decided to read through this thread. All I can say is that it would appear that these people are nothing more than thugs with email addresses. I always avoided such services and am very I happy that I did so.