Westbury Ventures calling me with threats

Westbury Ventures are scumbags. They are just making threats to scare you into paying. Chances are, they are not a licensed lender in your state, and you are most likely being charged an interest rate that is more than your state allows, if payday loans are even allowed in your state.

The first thing to do is find out what the payday lending laws are in your state so you'll know what's what. If you find that the above is true after review these laws, then you are only obligated to pay back what you actually borrowed. You said you've already paid $90, so that could be deducted from the $300 principal of the loan.

They will argue with you about this and keep making threats, but they're empty threats. Advise them that you are going to file complaints against them with the BBB and your state's Attorney General's office and they should back off.

As for garnishing your wages, they cannot do this without a court order. But, a lot of these internet payday lenders throw in what is called a Voluntary Wage Assignment in the terms of their loan. This means that you are voluntarily agreeing to have your wages garnished if you default on the loan, and they do not have to get a court order to do it.

To stop this from happening while you try to sort out this matter, type up a letter stating that you are revoking any voluntary wage assignment you may have agreed to when you took out the loan. Also state that you are providing notification of this revocation to your company's payroll dept.

Send the letter via certified mail/return receipt requested so you have proof that the letter was received and signed for. Once you find out what your state legally allows as far as payday loans, you could also include this in the letter to Westbury and advise that you want to pay off what you are legally obligated to pay, and offer them some type of payment arrangement. Send a money order via certified mail/return receipt. Don't let them tell you they can only take payments via your bank account or a debit/credit card or Western Union, as that is BS.

I really apreciate all your info. I feel much better about this. I,ve learned a very good lesson through this and with the help of this community... I,ll never make a payday loan again

I know what you mean........After digging myself out of that nightmare I will never do it again either. I'd rather pawn some of my stuff if I'm that desperate for money.