1-800-399-8584 - Any one know Alliance Asset Management?

Crystal, welcome to the fourm....Other then Cash Store are you current on the others? I am also going to get some more help...

No I'm not current...except maybe the Advance til payday. I will be making another $50 payment on friday.

Just called Check n go and she said I can make 2 payment of $230 each and have it done, but it must be soon or it will get sent to the legal department at the corporate office. I asked her if they will call or mail me and she said she has no idea. Great. She also said I can pay the full $460 and re-loan to keep it out of corporate.

I forgot to say the accounts are 2 months overdue. I just got sick of it all and decided to just stop and I've been trying to figure out what to do.

Have you worked out payment arrangements with them? Or have not paid them at all? And have any of them contacted you about payment?

Here are the pdl laws for your state Washington (just select your state),so we can all look at them:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I've worked out payment arrangements with Advane til payday, I will be making my 2nd payment of $50 on friday.

I will be making a payment of $81.36 to Advance America to start a payment plan on the 30th.

I'm not sure about the legality of the internet loan.

You can read about the Cash Store and Check n go in previous posts. :-)

chrystalb, these are 2 months in default? All of them? I see that you've been paying small amounts to them. Does this mean that they have you set up on a payment plan?

"Criminal Action: Prohibited"

This means they can't have me arrested and sent to jail right?

The collection agency for the cash store (who was of course rude) said they are sending it to an attorney to sue. This would be considered "civil action" right? But I never received the letter they supposedly sent me.

chrystalb, three of your storefronts are members of the CFSA, which you would have been able to invoke the EPP with them (extended payment plan). However, since they are already in default, we can't do that now. Your internet loan will be licensed/legal. You have another thread going regarding the cash store?

It would not be "criminal". It would be "civil". They won't put you in jail.

cannr, yes all of them. I am making small payments on 2 (advance til payday and advance america) who were able to set up a payment plan.

check n go will take two payments of $230 but i cannot afford that right away as I have an $800 bill (for something else) that I am trying to pay off. They said I can pay the $460 and re-loan to keep it from going to their legal department.

You can read about the cash store in my previous posts.

Cannr, she posted about that one in her first post on this thread..they are threatening legal action.

The Check n Go that wants two payments of $230 or they will send you to corporate. This is a local store front, correct?

The online through First bank of DE is an installment loan, not a pdl. Chrystal, you will have to pay it or work out payment arrangements becuase defaulting will go on your credit.

cannr, yes. unless I pay the $460 in full and re-loan OR pay 2 payment of $230, they will send me to corporate.

RoxyNY, ok. I will call them and try to work something out.

Cannr, if crystal pays the 460 and reloans, then she can invoke the EPP correct? and that will also keep it from going to legal.

Okay, it's a local storefront telling you this. Your state law says right in it that you have the right to a repayment plan. Your storefront, of course, wants you to pay in full and re-loan. Sure they do! They want to keep you going in the vicious cycle that you'll never get out of. If the others have set you up on payments, that's great. At least they're working with you and you're paying them off. If this one storefront wants to send you to "corporate", most likely what happens then is that "coporate" will set up payment arrangments with you. Honestly. I'm being completely serious here. As hard as it is to believe, it's sometimes easier to deal with corporate than the storefront. The reason being because the storefront manager wants that money. It's commission to them each month. Once turned over to corporate (and I know from experience), you can make payment arrangements with them. And usually they're a hell of a lot nicer to deal with than the store front manager. So, it's up to you. If you can't pay the two payments (and I know I couldn't) then tell them to turn you over to corporate. At least then you will be able to set up payments. It states that right in your state pdl law.

roxy, if she wants to. If she has the money to go in and re-loan. If she has the money, then she can go in and do that. Then before the loan due date, go in and invoke the EPP. However, the EPP will break it down into 4 equal payments. If she can do 4 equal payments, that's probably the way to go. However, if it's just "corporate" that she's getting turned over to, she can probably make lesser payment amounts. Then again, they're saying "attorney". Some storefronts will turn it over to an attorney. But all that is is them turning it over to an attorney for collections, you make payments anyway, but they WILL tack on attorney charges to the amount of the loan.

canner, ok. when she said corporate she said "the legal department." this leads me to believe that they will start court actions and the like. I want to avoid another thing like what the Cash Store is doing(which is my biggest worry). so even if she says "the legal department" could I still invoke the EPP like RoxyNY says? (hope that makes sense)

ok you answered that question so ignore my last post :-)

I think I'm OK on the Check n go one.

Now what about the Cash Store? I am very worried about that one.

I was just thinking that from all the other posts Check n go can be difficult sometimes. PAth of least resistance you know. And tryig to aviod legal action

Who contacted you from the Cash Store? Was it the store manager? And they told you that you would be paying a truckload of money?? Good God. Okay. So they also claimed they verified your employment. Now, this isn't anything to worry about because they verify your employment when you first get a loan at a storefront. So that's nothing. I'm just wondering WHO told you that it's going to court and you'll be paying a truckload of money?

cannr, I contacted them and they gave me the # for the collections agency (i will have to look up the name). the woman at the collectors is the one who said "truckload of money" and referenced that it's going to court.

1-800-399-8584
Alliance Asset Management

this is their name according to this website:

800notes.com/Phone.aspx/1-866-864-8030

Apparently they are very rude and won't give much detail, and threaten legal action a lot. They refused to send me a letter with the debt when I asked for it.

chrystalb, so you requested debt validation and they refused it? Oh, that's not right. They're supposed to provide debt validation to you since they are a collection agency. Hmmmm... now even if they do "take you to court", I would imagine the most they could get out of you (and this is civil, not criminal) is the loan amount and any interest and attorney fees, if that's what she meant by "paying a truckload of money". However, even if you did go, and you state you do not have the money (which you don't), more than likely they're going to set you up on payments. However, they may add those fees to your amount owed. But I have an issue here with you requesting debt validation and they didn't provide it. Did you request debt validation in writing? If you have their address, I would request debt validation in writing to them. Of course, keep a copy of it and mail it certified to the idiots. It might buy you a little bit of time. But I'm also questioning whatever happened to going to mediation before being hauled off to court? This collection agency does not sound like a good one.

Crystal needs to send them a request for debt validation.

cannr, no they do not sound good, the woman was a real so-and-so. I did request it in writing and all I got was "we already sent you a letter on oct 24th and you had your chance to respond to it." I said I have not received the letter so how can I respond to it? She basically said too bad.

Thanks for the suggestion of the letter. Their address is on that website I mentioned so I will definitely do that with certified mail. Should I include a request for mediation in the letter?

chrystalb, if you could do that, it might help you out with some time. They really should send you debt validation upon your written request. If they are collecting on a debt, it is your right to request debt validation from them.

If they are a 3rd party collector they have to follow the fdcpa....Crystal, here is the stickey in the Dealing with collection agencies fourm ..

http://www.debtconsolidationcare.com/settlement/about22720.html

If I may suggest, post your situation with the CA on that fourm...there may be others that have dealt with them or someone may have ideas we do not. It is also moderated by another group of people so you can get other adivice.

They refused your written request for debt validation? Oh, this sounds like something cajun could help with.

cannr, I sent them the written request today. They refused my request over the phone.

Another question....if I don't have good results with the collectors can I call the original creditor (cash store) and make payments to them? I did call them first and they referred me right to the collection agency.

chrystalb, okay, they refused your validation over the phone. Jerks. But you did mail in a debt validation letter, correct? They should give you validation in written form. As far as contacting the Cash Store, I really doubt they will work with you, as they have already turned it over to collections. However, you can always TRY to call them and see if they can pull it from collections and get it back to them. Usually, they won't (just my experience) but some places will do that if you can make reasonable payment arrangements with them. Hell, it's worth a phone call. You might get good results. But that collection agency needs to validate that debt in writing to you.

Chrystal, I am pretty sure Cannr has said this before but I am going to reiterate...you need to do a debt validation letter (if you have already not done so) becuase as part of the fdcpa, all collection activity ceases while this is going on. That should give you some time to figure out how you are goin gto apy them and verify that you actually owe what they say you do.

Thanks, roxy! Yes, it'll "buy you time" because they're not supposed to keep the collection efforts up until they can valid the debt. I think that's what I was trying to say! roxy has to clarify for me sometimes! :lol:

Also, it was posted earlier and I wanted to remind Chrystal she has that option.

That's why we NEED you, roxy! To clarify what we think people already know and they don't! Damn! I just need to type slower! LOL!

LOL thanks guys :-) I did send the letter yesterday, so I guess I'll just have to wait for that. What happens if they don't validate it in writing?

You did keep a copy, right? Just make sure you have documentation of everything. If they can not validate the debt (but I'm thinking they can since it's a legal one), then they will have to admit they can not validate it. It HAS to be validated to be a "legit" debt. Now, they have to cease all collection efforts while validating. At least this will buy you some time. If they do validate it in writing to you, then it will be considered a "legit" debt that you need to pay.

I just got refused validation over the phone. I asked that they send me something in the mail or by email even. She said they couldn't do that. Said she'd be calling work to verify my employment and would mark my account refused to pay...

So I told to secretary to tell them when they call that it is a personal matter and they are to contact me through the mail, and to not call me at work... And I'll be sending that validation letter....

chrystal - how'd the letter writing for you go? Did you get your return receipt or hear back from them or anything yet?

poko, did you sent a debt validation letter? I believe you need to send it in writing to them. This way you will also have documentation.

Yeah I posted in my thread what I found for it, and sent you a message. I'll be heading to the post office at lunch today. It just amazes me how rude they are on the phone, but will respond to a letter!

Pokogeo, do not be suprised if they do not respond to your written request either.

I won't be, but if they don't stop calling then complaints will be filed on their tails and that will make them stop! Because they are licensed in OR to collect, and if they don't follow the rules they could lose that!