national money store/ a.s and associates

Debt is a civil matter not criminal. Hang up on them.

I know you can't be arrested but can the garnish your bank account and pay check?

Not without a judgement from a civil court.

The one thing you should do is place a wage revocation letter with your payroll department, just in case.

What would that be?

What would that be?

Basically a statement that you withdrawl any and all wage assignments that you may have signed.

If you go to this thread and scroll down to the 13th post you will see the template letter used to send to the illegal PDLs. The wage statement is in the body of the letter under the "Your State Laws" comment.

Heh, this is funny because the same called me for another payday loan I had with the same threats saying we were going to jail..blah blah. He was the same guy..but I believe he was being call Lee at that time from TX Chk porcessors that wanted me to pay him for bounced checks that were already paid to the county. So, now he's from AS and getting money from VIP....I believe this is a scam...don't worry

I just got a message from this guy name Michael at AS and Associates.
His message states that I will be in a lot of trouble is I don???t call him today by 2:00PM. I called him and he won???t even tell me who they are unless I give him my SS#. As if I am stupid enough to give it to just anybody who asks. Ignorant morons.

Any way...the funny thing is that I don???t owe any money to anybody. I even own my own house and both of my vehicles are paid for. So obviously they are looking for someone else. But it is the approach they take that it I think should be unlawful. Who is is the watchdog for these idiots? They are criminals if you ask me.
Thanks for letting me vent.
.

Well, people the same thing happened to me, and my Attorney said to go ahead and press charges against them. They need to be sued and lose their agency for lying and threatening people. I just saw something on 20/20 about this and yes it is illegal what their doing. I am going to talk to the DA's office about this.

They are calling me now, and saying it is going to legal if I dont settle them today. I told them i was willing to pay back what I owe, but since I am on unemployment, it is not possible to pay the whole thing back at once. I told them I could give them $20.00 now and make payments of what I can afford every paycheck. I already gave them $100.00 last week.. I dont know what to do... Should I be scared of the arrest thing?

Stay clam. You cannot be arrested for a debt for it is a civil matter not a criminal offense. They are LIERS!

If they are not willing to accept your payments then I suggest you send them nothing. Ask for an address and mail the remainder of the loan balance once you can afford it. Do not put yourself in a financial bind for these clowns! Also Please do not send them your bank account information by any means. if you pay them do it by prepaid visa/mastercard. Or mail the payment by money order.

They are Illegal and there is nothing much they can but call and threaten you. Ignore the calls if you can.

It was so funny that you posted that to me. I was just reading up on the laws. I took the loan in Californis, but now live in Nevada, not sure which jurisdiction they will place me in though. Also went to the BBB and looked at thier file, revoked... WOW!! Then I wen to the Fair Collections Practice Act and read up on it. Looks like they have already did some things they shouldnt have.
Called my dad and told him he was a lawyer and told my dad info on the debt.
Called my mom and told her about the debt and all the info he had on me.
And told me I could be arrested while driving my car and can go to jail..
I did see that it was a civil matter, and they couldnt do anything criminal to me unless false information was given at the time of the loan, which it wasnt.
This guy Mike Todd said he was going to call me back, since my file had been flagged by the ''legal" dept and he didnt know why. He has yet to call, I did pay them the $100.00 already by pre paid card, and told them on Sat. that they could do another $200.00. Wednesday I went to pay bills and thought the boyfriend placed more money on the card so I used what was on there, come to find out today when Mike called he said that the $200.00 was not charged. I explained to him that I was under the impression that they were going to charge the card Saturday, and didnt realize that they didnt. I explained that I thought my boyfriend placed more money on the card and just went and paid bills. I also explained to him that I was still on unenployment, and could only send what I had. Taht he could either take the $20.00 off my card or I could western union him something. Thats when he said he would have to call me back. Should I call him back and let him know that I will still authorize the $20.00 and advise him of what the collector did wrong?

Guess i should also ask for the validation of debt as well, correct?

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Thank you again for the advice. I waited all day yesterday for the call back, and nothing. Guess I will wait for the scum to call me again. I believe the loan was for $300.00. The online place I did it was National Money Store. Gee do I wish I would have never done this!!

Ok so you only owe them $200 and nothing more.

Here is more information on these clowns!

This company called and tried to harass me! Same thing as everyone above and I sent a cease and desist letter on 05/01/09 and have not heard a word back from them!! Best advice- send the letter right away and they will stop calling!!

they just called me at work and i pretended to be someone else. They said it was regarding an urgent legal matter that they needed to discuss verbally. I knew something was up, so I googled it and sure enough found this forum!

have any of you had negative repercussions

I also got a call from a Chief Directory Moore. In regards to a loan for $500.00 that I got last November 2008. I made couple of payments about $300.00 or a little more on the loan. I then closed my checking account and I called them to tell that so that I can make arrangements on sending money via money gram. I did make another payment to them via money gram. Then Times got hard and I would tell them to please not try an pull from that account that I closed because it was overdrawn and so they did try to take money from that account and I got 4 NSF fees. So the person from AS&Assoc. said that they are using that against me and trying to get me for a class b misdemeanor. I am in California, and I don't know the laws about this. They tried to make it sound like I can get arrested but he never really said that. ANy information about them or the laws in Calif. about this would be appreaciated.

i took out a loan last year and i'm now receiving a call from a gentlemen by the name of witnered beatty asking me to pay back 580.00 or they are going to contact my employer to garnish my check for 1080.00 in the state of FL. I told them to send me something in the mail but he kept saying he would fax....should i just ignore this or will they actually garnish my check. no one can afford this type of BS in the economy we are in now. any suggestions....please

is the law the same in tx,Yhey are harrassing me over 25.00 and want over 750.00 or they will file midemeanor charges on me.Can they do this or is it a scare tactic?

Ok guys, listen up. It is illegal to do ALL OF THE ABOVE to collect a debt! PERIOD!! You need to find an fair debt 1. Google one for your state.

Contact one IMMEDIATELY!!! They work for free for YOU the consumer. They go after these scambags for illegal tactics. I used one is Florida, and I got a $550 settlement for the harrassement!!! YES!! I got money back! Once they agree to take your case (document ANY calls/voicemails) and they send the letter out representing you, THE CALLS STOP!!!! No more worries!!

Guys, there are people who are debt collectors, and then there are scumbags out there who get away with this stuff. Only we, the consumers, can fight back against them!!

CALL AN ATTORNEY ON THE ABOVE LINK IMMEDIATELY!!!

FINANCE IS 25.00 FOR EACH 50.00....COMPANY IS LOCATED IN HOUSTON,TX...TIM IS NOT TIM ITS A ALIAS,AND IS A RACIST AND MENTALLY SICK....NO BLACKS OR OTHER MINORITY SHOULD APPLY MOST OF THE CUSTOMERS ARE BLACK WOMEN W/CHILDREN WITH NO HUSBAND ACCORDING TO TIM...MAKES FUNNY VOICES WHEN SPEAKING TO PEOPLE OF DIFFERENT RACE...IF YOU HAVEN'T GOT YOUR MONEY IN 24 HRS. YOU ARE BEING PLAYED W/AND WILL BE PUT ON HOLD WHILE THE WHOLE OFFICE LAUGHS....TIM WILL LET THE WHOLE OFFICE LISTEN TO YOU ON SPEAKER FUN WHILE HE MAKES FUNNY FACES...IF TIM THINKS YOU WILL NOT PAY HE'LL GO INTO YOUR ACCOUNT AND TAKE ALL THAT YOU BORROWED & THE FINANCE

TO GET DIRECTLY IN CONTACT W/TIM 832-203-4024

THERE NOT POLICE OFFICERS JUST COLLECTION AGENTS MAKING FALSE THREATS...IT'S JUST THE LEGAL DPET. AKA COLLECTIONS

Hello All,

I was recently contact by a Robin Carter from A. S and asscoaited regarding a Payday loan I took out with National Money Store. She claims she sent me paperwork but I never received anything. I took this payday loan out last April and since I had to close my account to get my finances in order, I didn't even recognize the payday loan because they never contacted me for their money. I went on their website and logged in and sure enough , my account is in collections for $271 dollars and some change. The funny thing is Carter is saying it's for $510.00. She somehow got a hold of my mom's phone number and I know she didn't get it off my application because I never out my mother's info on there. She told my mom she has been trying to contact me and I've been ignoring her and that this was a serious matter, that I am in trouble for fraudulant checks. Isn't it illegal for her to disclose that info to my mother?
So I call her back yesterday and told her if I could set up a payment with her, I only had $50.00 but was happy to give it to her. She says she can only accept the loan amount as a down payment which is $200.00. I told her I couln't do that and she advised me to ask someone to lend me the money because she will not be able to hold my account longer then today, Friday Sept. 11. She's going to file a claim with my county.
I will be calling her today asking her to send me validation of this debt, then I'm going to send her a cease & desist letter. I live in Florida, my question is, does she have to be registered in my state to collect this debt? I've heard some awful things about these people, I wonder if anyone has ever actually been serviced papers by them? and am I taking the right steps in this matter? Please help, any advise would help at this point :)

Last month i received a call From Diane Roberts from the check fraud department at A&S associates saying that I owed VIP cash 1079.00 on a loan of 500.00. She stated that if I didn't pay 200.00 within the next two days she would have me served at my job. And I would eventually get arrested. I didn't realize it was a scam until after I paid the 200.00 and asked her to mail me a something in writing showing I paid. I never received anything.

Hi Wilacurl,

Seems these people are famous for threatening you with papers/ jail time and only give you two days to make a payment. Chances are they called you in the middle of the week too, to give you until Friday to pay. If you do a search for them on the top right corner, you'll get a bunch of posts from other members who have been through this too, including me. You should send them a debt validation letter in the mail, you can get their address off the Houston BBB site (the BBB actually took away their accredation because of so many consumer complaints of illegal collections) send it return receipt requested so you have your proof . How did you send them a payment, what method did you use? If you used your bank account/debit card, i would close it. Keep that for your records and if you have a confirmation number, all the better.

When I was called, she claimed she already sent me documents... she's a LIAR. I didn't pay them a cent. I called her back but got her voicemail and let her know that my attorney requested that she show me the debt in writing so that we may review it. She never called me back and I still haven't received anything

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wilacurl,i'm sorry this happened.if there is anyway you can have the money returned.i would look into it.please remember.as cris pointed out as well.only a bottomfeeder threatens that kind of stuff.it is your right to see written details.if they refuse they are a scam.also as cris pointed out if you don't pay them.i guarantee that what they threatened won't happen.if you paid with a cc dispute the charge.if you paid with bank info go to the branch,see the manager,and fill out a fraud affidavit.they will return the money.

Shazzers,

I don't think she said they were validation documents. She claimed she had been calling me for month and I've been ignoring her calls and the documents she mailed to me. I cut her off and told her that I never received anything. She recited my address to me and yes it was correct, but I honest to God did not receive anything, she all but called me a liar about that

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These idiots from As & Associates are operate in Houston. They called my mom threatening that if I didn't call them to repay a loan I got back in 2008 that I would be jailed in 24 hours. The guy claimed to be a Tom Martin,she said, and he had my personal information, such as my drivers license number, ss #, etc. Also said I would be arrested on my job and served....Well, with what I know about the law,

1) If you owe a debt it should be validated first.
2) I pay it or make payment arrangements.
3) If I don't pay and they decide to sue, then they serve me court papers.
4) Then I am put on the court docket and asked to appear.
5) Then the judge either throws it out or sets a judgement.
6) If I get a judgement then back to number 2---payment arrangements per how I decide.

Now, this is the way it goes, and no one can be arrested for owing a bill. Which I am sure I don't owe, I'm going back to my 2008 bank statement and pull out the proof that I paid off my loan.

Nonetheless, there is no debtors prison in the US. I even called a cop friend of mine and he laughed when I told him I had been threatened to be arrested for owing a loan. He thought it was hilarious and said that if that were so, the jails would be overcrowded. He said it was a collection agency trick to scam money. Now, don't get me wrong, you can be sued, but I doubt it, that takes a lot of money for the collection agency, but they can if they choose to and they can serve you papers, but THEY CANNOT ARREST YOU. Don't fall for the scams and always keep your receipts. AS & Associates are sleezy. Ask Budd Hibbs, he has lots of information about slimy collectors. Buddhibbs.com.

Also, if these guys do take you to court, there are agencies that will help you. Fight them back.

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I had a VERY rude encounter with A S and Associates and I've never used them or MoneyStore. They left a message on my machine saying it was an "investigation" and that it was "very urgent" along with names of some people that I didn't know. This sounded like some kind of police investigation to me. When I called, I asked who I was speaking to and who they were with. When I asked the name of the firm and what kind of company it was, I was told that I was rude. The "investigator" then said "we've deal with all kinds of people - especially those with a criminal background"! Get real! I've never been arrested in my life. I don't even know the people they were trying to find. What kind of company is this? Unbelievable!

i'm getting calls from Diane Roberts as well tell me that i need to call her back today by 1pm. do anyone know who we can call to get this company to stop calling people with this stuff trying to scare you half the death. she been calling me for the last two weeks.

I am recieving calls from Diane Roberts as well she told me I will be summons today they are suppose to be coming to my job...she first contacted me on Tuesday regarding this matter...I am at work waiting to see if anyone comes I dont want them to come but they better hope they do or I am getting a lawyer they cant say things to you that they arent going to do....has anyone had them serve you with papers because of this i see it has happeaned to alot of people but no one has wrote whether or not anything ever happeaned...

Hi Guest,

I can tell you that no one has come looking for me but then again, I wasn't threatend in that manner either. Once I sent a letter asking them to validate the debt, the calls stopped and nothing has come in the mail. I kepy my proof just in case.

Has anyone been in the position where threats from these people are true? I highly doubt it, since it's ILEGAL! and these people are in all kinds of legal troouble themselves

They did not summons me on Dec 3 like they said they would so I do have a lawyer now that is working my case against the scare tactics. If this has happeaned to anyone else I suggest you do the same thing.

Hi Guest,
may I ask where you got this services and a lawyer? I'm interested in doing the same

I took out a payday loan because i lost my job and nned to pay my rent or be out on the streets if not, i couldn't pay them back and my bank account was closed because of to many overdrafts. I cant help it if i am a loser like all the other deadbeats out here, were just trying to survive, i got arrested for theft by check went to jail for three months and still have to pay restituion, that is f' up is you ask me. How can i get this overturned?

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Hopefully a senior member will be along soon to answer your question

Here's some info I found :
"Under Texas law, a lender cannot pursue criminal charges to collect on a debt. Also, a payday loan lender is limited as to how many times a loan can be renewed. Currently under Texas law, lenders are allowed to renew a payday loan one time each month."
Here's the link to the thread where I found it:
http://www.debtconsolidationcare.com/paydayloan/texas-help.html

I had sued AS and associates and won they are paying me 500.00 and all of my lawyer fees. I no longer owe them any money as well this is the best day ever! They should think before they make threats to consumers. If this is happeaning to anyone you should seek a lawyer!

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Does anyone have information on the company AS & Associates supposedly represents "National Money Store".

I am receiving several calls from As and associates. How did you go about suing them and what did you have to do?