JERKS threatening arrest and court dates

What kind of debt is this?

It was a payday loan. I called back and they wouldn't give me any info. I want to send this letter BUT they didn't even tell me the name of the company they were with.

Ok, I called them back. The Kirstin girl I talked to before transferred me to her "boss." I asked for the address. He gave me the run around and didn't want to give it to me. He kept asking me for my attorneys name. Told me NOT to try and control the conversation. I let him know quick that I wasn't controlling anything just simply asking for information. He said my SS# was my account number. How is that so? I don't want to put my SS on the cease and desist letter. Oh well. I guess I'll have to. I don't even know who the orginal creditor is. I am going to have to do some digging. The threatening to take me to court is really getting to me. I mean I know they can't just COME GET ME but good lord.

Is it a storefront loan or an internet payday loan? What company is it with? How much have you paid so far?

Ok, it was an internet payday loan. I have already taken care of this or so I thought. I don't know how much is owed or anything because they wouldn't tell me. They just kept asking me who my attorney was.

Don't stress about it, chances are they are illegal and are just using scare tactics to try to get you to pay. I am assuming you have been making payments through your bank account? What is the company's name?

rdnckgal - this company is blowing smoke. They cannot have you arrested, put in jail, or send anyone to your door.

Give us the following information on ALL of your payday loans, and we can help you with some advice on how to deal with them:

-state you live in
-name of each lender
-whether they are internet or storefront based
-how much you borrowed from each one (no fees included, just the principal)
-how much you've paid back on each one (including any fees/interest)

With that info, we can help you get out of this endless cycle.

rdnck-Please list the info SueBee has listed. I have heard others here mention a company that has the same tactic of asking you over and over "Who you attorney is" as a way to belittle you when you finally say you dont have one. Shit next time make up a name "Jacoby and Meyers", I dont know and then hang up.

And demand to get any information in writing from them. If they don't do this, then don't give them a dime. Also, you said you already took care of this. Do you have copies of any checks you may have sent, showing that they were cashed?

And Jacoby and Meyers is headed by volley and cannr. Please contact them with any further questions. LOL! :lol: I love your responses, volley! And you changed your avatar AGAIN!

Its Rocky Balboa! Time to KO these moron pdl's!

I want to be a law firm also. No wait I will join one. I will be the new partner in my all time favorite law firm Cohen and Slamowitz.We all know how much I love and respect those clown a$$es.

Thanks so much ya'll. Actually my girlfriend works for Jacoby and Myers down in Alabama. LOL

Ok.

Maine

When I asked them the name of the original creditor they said SSM Company. I'm going to have to look at my records and figure out who that is. I thought it was Global Payday loans, but I took out two, each with different companies. One of them is totally paid off. They debited from my bank account.

Internet based.

$300

Like I said, I took out 2 loans the beginning of this year when times were really rough. One of them is completely paid off. I am pretty sure I still have the money order receipts from where I paid the second one.

The threats yesterday on the phone were horrible. Talking about carrying stolen money across state lines or something like that. Arrest...court and they are located down in St. Mary's, Georgia. It was like squeezing blood from a turnip getting that info from them. They didn't want to give me any of their information. I thought that was a bit shady. I have not been contacted by mail by them either.

Just remember not to get upset by this . It is nothing more than idle threats, and they can not do anything but harass you. Carrying money across state lines, come on what lunacy.These people will say anything to scare people.

i know i am late on this- but I had calls like this too, next time they ask for an attorney, I am going to tell them , I going to be Pro-Se and they will go huh?


You have a right to represent yourself in all court cases. Representing yourself is called acting pro se. Pro Se is a Latin phrase that means "for yourself."

These idiots act like they are attorneys so they should know what Pro se is.


:wink:

Oh there you go!! Then they will ask "okay, what is the number to their office?"....morons.

Okay, redneckgal! :D You do realize (please say yes) that these people are breaking all kinds of laws? You do realize that they are illegal? Okay, with that out of the way, you didn't commit fraud, you don't have a bad check, you didn't smuggle money across state lines, you didn't do anything illegal to warrent them threatening you with these things. You think the company that called you was SSM? Is that what you're saying? I can do a search and see what we find out if you're sure of the name. :D

no joke they are morons..a woman from Jackson Phillips called me and said she worked in a lawfirm in my town (yea right), I wish I would have said it to her myself.. then they called back a couple days ago, and kept drilling me for an attorney name..
it wasnt until after she hung up on me, and I laughed it off I thought of the pro-se thing.
maybe I will get that chance again... :roll:

The people who called me yesterday said the name was SSM. I have never heard of that before. Like I said, they didn't want to give me ANY information. The "supervisor" kept telling me NOT to try and control the conversation. I was like excuse me, but if you're going to try and get me to pay something then I need the information to work with. So anyway, I am THINKING this is for Global Payday Loans. That's the company name I remember. I could be wrong. I am sorry I don't really have this information right here with me at the moment. I will have to go home tonight and dig up some old stuff. I mean this is so old. This happened late last year so I'm all sorts of frazzled.

Okay, redneck. SSM is apparently related to SJM Marketing. Which is related to Platinum B Services, Ellis Crosby, and others. Apparently they are notorious for using illegal tactics. You need to dig out your old paperwork and find out who the original loan was through. Here's what I found just by doing a search. But it old information. It may no longer be correct. But it might be a "starting point" until you find your documents.

SJM Marketing
1-866-722-2770 (phone)
1-866-599-5161 (fax)
info (at) platinumbservice.com (email)

If they are using an outside collection agency, it says they can be reached at 1-866-350-5696.

Now like I said, this may not be accurate any longer. Check your documents and see what you find.

Thank you so much for getting this information for me! I really appreciate it. They were just being total jerks on the phone and it was totally uneccesary. Ugh. I can't stand that. How is using these tactics going to get ANYTHING out of people?

red, they use these tactics to scare the holy crap out of people so they pay ungodly amounts of money because they're afraid not to. Now, I don't know how accurate that information is, as it's old information I found on a search. But try to find your documents. Whatever you find, see if there's a name/address/something that we can use to do a search on. We can find out more information once you do this! :D

Thank you so much for all your help. I'm going to do that tonight and I don't know if I'll be back on here tonight but definately tomorrow. Thanks again! I really appreciate it.

I have also found that a response like..."take me to court, in my state..if you want to do it in your state, you will pay for the cost of the trip for myself and legal counsel."..this seems to shut the cockroaches up :)

LOL!! :lol: that is a good one too.

Do not allow their illegal tactics to intimidate you. They are being sued by the Attorney General of Florida for using such tactics. File an online complaint ASAP with the AG.

I sent a nice e-mail back to their "paralegal" Joseph Lewis it is as follows:

Umm I am making payments on this, and f there was justification for legal action it would have to be done in the state of Arizona. There is no non-intent to pay. Are you sure you are a paralegal cause the Attorney General's office isn't quite sure of that. Who told me if this continues to be harrasment to let their office know. You will continue to get $50 from me on payday, which is the way it is. This is a debt. in no way a "legal matter" I am sure we can do a 3 way call with the AG's office if you like.

Your detailed phone calls which everyone in the home listens to, is also illegal collection activity. Which the AG's office is fully aware of. In addition I have an e-mail dated prior to that letting you know all communication must be done in writing.

Also payments on any bad check in the State of Arizona shows intent to pay, you accepted the $50.00 as a payment, thus you have accepted payments on the debt. Which makes it no longer a bad check case, although in Arizona a Post Dated check for a Pay Day loan is not considered a Bad Check. There was no intent for fraud, nor was there ever at any point that decision.

The state law that allows these companies to operate makes it very clear that the individual who writes the check is "not subject to criminal prosecution." You however have made such a claim to me. This is a payday loan issue not a bad check issue.

The debt I have is an Arizona debt, you want to flaunt Texas still? Texas has the same views:

The use of criminal hot check prosecution is a powerful tool lenders employ to coerce borrowers into loan renewals. The Texas Constitution bans imprisonment for loan debt. In spite of it payday lenders employ threats of legal proceedings against defaulting borrowers. The Consumer Union report of 2005 in an effort to secure the legal rights of Texans came forward with a plea whereby pursuits or threats to pursue hot check collections from defaulters may be made illegal by the Legislature.

Again, I have broken no law, but wait, yes Joseph Lewis has. In fact there is a $1,000 fine for illegal collection activity, as well and the damages to my character by your phone messages.

For example, debt collectors may not:
use threats of violence or harm;
publish a list of consumers who refuse to pay their debts (except to a credit bureau);
use obscene or profane language; or repeatedly use the telephone to annoy someone.
False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

falsely imply that they are attorneys or government representatives;
falsely imply that you have committed a crime;
falsely represent that they operate or work for a credit bureau;
misrepresent the amount of your debt;
indicate that papers being sent to you are legal forms when they are not; or
indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:
you will be arrested if you do not pay your debt;
they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
Debt collectors may not:
give false credit information about you to anyone, including a credit bureau;
send you anything that looks like an official document from a court or government agency when it is not; or
use a false name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

collect any amount greater than your debt, unless your state law permits such
a charge;
deposit a post-dated check prematurely;
use deception to make you accept collect calls or pay for telegrams;
take or threaten to take your property unless this can be done legally; or
contact you by postcard.

Be happy I am sending you payment, and not choosing to continue the process at this point to file
illegal collection activity charges against you and your company. If this continues, I will. You will see another payment on 9/27/07. I will also continue sending you payment. I expect your future e-mails to be nice.

Hey Arizona, Can I borrow that letter, It certainly says it all

You may, I hate PDL Companies, and I have been battling the same 5 for a year, they are scared of me now as they should be. I am in a better situation now, and plan on getting PDL companies banned.

I believe there should be help for people who need it, but not by the means these companies take.

Don't send them a dime. It will not be used for your debt, it will simply vanish.

So I should not send a dime to Capital Collections? LOL But I got their form letter telling me I have 6 days before going to jail. :roll: I would hate to have that Texas arrest warrant :roll: and wage garnishmnt :roll:

Your kidding right? If you are serious, then you need to research the laws. Keep that letter by the way, and email a copy to your state's attorney general's office.

Sorry I meant that to be tounge in cheek and in no way a disrespect to you. :)

Those jerks are doing me he same and just FYI...i have done some research..that number and this number are one and the same...The same people will answer the phone!!!

I am all too familiar with these crooks who are currently being sued by the Florida Attorney General.

You just gotta love these people who try to scare people....NOT!!! Bad part, a lot of people will fall for their tatics. I know if I had not found this site, I probably would have been one of them. Arizona Guy...loved the letter on the previous page! Would love to see all the pdl places put out of business!!!!!

Thanks for the compliment on the letter :)

Luckily I personally know a congressman and he is willing to help and see what he can do. Who knows where we can go with this!

Any help from someone who has 'pull' would be appreciated by all.

Amen to that.

Found 100's of people getting same exact calls...I think these people search out people who have had payday loans and randomly call them threatening that they still owe and if they dont pay they will have these ungodly charges brought against them. They use bully tactics to scare you into paying. I was told by my attorney, if they do not have a signed waiver from the actual company that you did your payday loan through with an actual signed contract by you there is nothing that they can really do to you. They are not a reputable company or they would not have a problem giving out there address or phone number. Well I found it anyway, it is

States Pre-Disposition Services, Inc.
1204 F. South Second Street
Folkston GA, 31537

owner is Evelyn Jackson

These losers always prey upon the unknowing consumers, and it pisses me off.

i was never served papers untill i got a execution of income from the local sheriff , now my wages have been garnished for 6 months and im still screwed i dont know what to do i asked them to send me a validatoin on debt the only thing i recieved was a payment stub for a credit card i never owned someone help what can i do to stop the garnishment???????????????