Still scared! HELP in MN

I posted in your last post. NO you cannot go to jail. This is something that they do to scare people into paying them way more than they really owe. Do not fall for it. Contact your states AG and DFI also contact the ftc seeing as you still have the recorded message, I would also contact a lawyer because of the message they left. File these complaints ASAP. Also check your other post because there were more than me that replied. Plus DO NOT send them anything by money gram or western union, demand that you pay by money order only or cashiers check or a pre paid credit card. DO NOT give out any more info to them of your bank account, credit cards, debit cards etc.

I already contacted both those places and the places where the loans came from and did complaints. I talked to someone who said i should file bankruptcy on these right away and that would avoid them calling me at work and home. I just dont want to come home or go to work and me arrested. Is there anything i can do to stop the calls other then the above?

No you will not be arrested. This is a threat that they use. They will call you at work. You need to contact the person that answers the phone at your employer, like the HR dept. or the operator. They will ask to speak with you or your supervisor and if they are told no they cannot talk to you then they will go on and say that they will have you arrested. You need to inform the person answering the phone that they need to tell them that they know that cannot happen and to stop calling. Or you can call them back and tell them not to contact you at work. But that won't happen because when they have you on the phone they will try and scare you again. Do not fall for it. They will give you till like 2:00 to pay or they will have 25 people at your house. That is SO not true. They have no legal right. You cannot be arrested for defaulting on an internet payday loan. Because these places are not licensed anyway. Do a search on United processing or United Pay Services in the google search and read some of the things this company has tried just to collect the money.

Bankruptcy is a last resort. It should not be necessary with PDLs. How much have you paid them apready and how much were your original loans for and who are the PDL companies? Take care of your nessesities first. Especally your kids. You have probably already paid these people more than you legally owe them. Do not worry. They can't harm you in anyway. I don't know how they sleep at night.

Frogpatch is exactly right. Sit down, total up how much you borrowed and how much you have actually paid them back--and if it's more than your principal, demand that your accounts be marked paid if full or you will complain to your state's attorney general. They are not coming to throw you in jail. This is a common scare tactic that most PDL's use.

Well i got to work today, and wanted to tell my boss what was going on, and they have already started calling here, and told him someone would be here to arrest me. How do i make this stop.

I got to work this morning and they are already calling. They told my boss yesterday that someone would be here to arrest me today! I can loose my job for this, how do i make it stop?

Those nasty sapsuckers. I had Jackson, Phillips and Associates do me the same way on May 11th. I was scared to death. They called me on my job telling they were going to arrest me at work if I didn't have over $500 paid by 1:30 p.m. that day. I am teacher's assistant in Brevard Public Schools and that day I was alone. So I couldn't help but cry because I didn't understand where this was coming from especially when I hadn't borrowed but $200 from the company. I didn't have the money and so my mom paid the money to keep me from going to jail. My sister who is stronger than me told me that I couldn't go to jail but I didn't believe her I thought the people were for real. It was Mother's Day weekend and I know I couldn't leave my sons. I have a job that I love and its pays better than any other job I have ever held so I didn't want to lose that. It wasn't until that night after the money was paid that I found this website and learned that I couldn't be arrested. I really felt dumb then because I dragged my mom into this scam. I have reported them to the FTC, BBB, AG and a reporter for the Florida Times-Union Newspaper. Now I want to take legal action but don't know what lawyer to look for to handle a case like this. But I am not giving up.

Well the called and told them what they were doing is illegal and that i had filed a complaint is FL which is what i have done. But if they keep calling my boss says he will have no choice to let me go. I make good money and well, and i love my job, and i dont know what to do. I know I am annoying you guys, i am sorry.

What is wrong with yorr soss? He should side with you and tell these scumbuckets where to go. Tell him they are criminals. Florida requires all PDLs to be licensed to loan here. If they are not licensed they can't collect. Florida is also a non garnishment State. There is no way for this company to collect from you, period, unless you permit it. and they know it. Thats why they try these threat. These people work on commision. If they collect they get paid. If they feel they are wasting their time they will go and harrass someone else. It is a shame that your boss is siding with crooks.

I took this info from an old thread by cajunbulldog. Please don't sue me bulldog. LOL It shows that United is apparently legal in Florida. It also gives there address.

I retrieved this information from the Florida Secretary of State.Perhaps it will be useful to you.

Quote:
2007 FOR PROFIT CORPORATION ANNUAL REPORT FILED
Jan 22, 2007
DOCUMENT# P05000153648 Secretary of State
Entity Name: UNITED PROCESSING INC.
Current Principal Place of Business: New Principal Place of Business:
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216
Current Mailing Address: New Mailing Address:
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216
FEI Number: 20-3844570 FEI Number Applied For ( ) FEI Number Not Applicable ( ) Certificate of Status Desired
Name and Address of Current Registered Agent: Name and Address of New Registered Agent:
WATERS, LISA
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216 US
The above named entity submits this statement for the purpose of changing its registered office or registered agent, or both, in the State of Florida.
SIGNATURE:
Electronic Signature of Registered Agent Date
Election Campaign Financing Trust Fund Contribution ( ).
OFFICERS AND DIRECTORS: ADDITIONSICHANGES TO OFFICERS AND DIRECTORS:
Title: DP ( ) Delete Title: ( ) Change ( ) Addition
Name: WATERS, LISA Name:
Address: 101 CENTRY 21 DRIVE #107 Address:
City-St-Zip: JACKSONVILLE, FL 32216 City-St-Zip:
Title: DVP ( ) Delete Title: DVP (X) Change ( ) Addition
Name: IVAN, CARMEN Name: SWICK, CYNTHIA
Address: 12995 SILVER SPRINGS DRIVE N Address: 2527 TREEMONT ST
City-St-Zip: JACKSONVILLE, FL 32246 City-St-Zip: JACKSONVILLE, FL 32207
Title: DS (X) Delete Title: ( ) Change ( ) Addition
Name: SWICK, CYNTHIA Name:
Address: 2527 TREEMONT ST. Address:
City-St-Zip: JACKSONVILLE, FL 32207 City-St-Zip:
I hereby certify that the information supplied with this filing does not qualify for the for the exemption stated in Chapter 119, Florida Statutes. I further certify that the information indicated on this report or supplemental report is true and accurate and that my electronic signature shall have the same legal effect as if made under oath; that lam an officer or director of the corporation or the receiver or trustee empowered to execute this report as required by Chapter 607, Florida Statutes; and that my name appears above, or on an affachment with an address, with all other like empowered.
SIGNATURE: LISA WATERS PRES 01/22/2007
Electronic Signature of Signing Officer or Director Date

Oh gee look at the spelling in my last post. Yorr Soss? Thats what happens when you try to cram things in on your lunch break.

Ok so they are a legal company calling out of country? And if they are legal what are the ramifications for me? I did talk to my boss, and i guess the fact that they said i was commiting bank fraud using the name and address of the place i work has him alittle concerned. I am so stressed. I need this you know what's off my you know what! United Processing Legal Divison is legal. I dont know I filed a complaint in the state of FL and the lady there Lee Dixon said they had know juristicon.

Dont they have to be legal in my state too? Which is MN

I believe that it is against the law for a collection company to divulge any info regarding a debt to someone whose name is not on said debt. By talking to your boss about this they have committed a crime. Go to naca.net and find a lawyer in your area that will give you the advice that you need to bring charges against these people. I would alos talk to your local da and see if they can file charges. Get to know the laws in you state and file IMMEDIATELY with the FTC, the AG's office and the BBB. Let the collector know that you have filed complaints against them.

I would do what Irish told you to do, go to that site and find a lawyer. You still have the message they left you and they told your boss private info, that is a no no. You can sue them. Not only will you not have to pay them, but they should have to pay you for the laws they broke. Just calm down and tell your boss you did not commit bank fraud, the only thing you did commit is taking an illegal payday loan. The only time you used the companies name and address is for the info they asked for on the app. for where you worked. But check out that website and contact a lawyer asap, they should be more than happy to call those scumbags and put them in their place.

yes

I was getting confused. We seem to have a couple stories running cuncurrently here.I thought someone was in Florida. Sorry

The stories are similiar in that both Collection companies have acted illegally. Get those complaints in and please send a certified 'Cease and Desist' Letter to these criminals immediately. The one who has a boss who was given information on your debt, please tell your boss that you are being illegally sought after and the information given to your boss was both slanderous and illegal. By the way, if this causes a job loss for you, because of their illegal tactic of telling your boss your debt info. you have a huge case against this collection company. Even if you have to get the Labor Department involved, act on this ASAP.

Well an update of good news. I sent a complaint to the state of FL and they have stopped calling, i have had 3 lawyers contact me regardin the messages left by these @@@es. I will sending out the wage thing on Monday to all the pdls I am filing bankruptcy due to past medical and phone and light bills, plus a bunch of other stuff i have no idea about, however for each payday loan that agrees to make arrangements i can do and only have me pay off amount of loan i will pay. I am an honest person, and i dont want to take anyone for granted. On to the next. I really would like someone to walk me through the process of doing this ( not the bankruptcy, getting the letters together and where to start )i am willing to pay for the help.
PLEASE PLEASE

No one charges for help here. Have you already looked at my site for the sample letters?

I have been looking yes. Do i start with the ceast and desist or the wage thing

Both at once can't hurt. They need to be sent by certified mail, to prove they were signed for.

Now if you signed a voluntary wage garnishment form to get a PDL, I would strongly advise faxing this to your payroll dept, along with sending it certified mail. This would confirm that they got it ASAP.