Georgia Based Collection Company

Curvy, The Company is Predisposition Services. They are really ugly. Do you have any outstanding pdl's? If you type in the company name in the search box at the top right corner of the page, you can read what other members have said about them. I would get their address and send them a letter requesting validation of your debt. Also if you post what state you are in we can look up your state laws for you so you know where you stand. If you need help with the letter just post and someone will help you.

Thanks I'm from Mass. I have three outstanding pdls out right all for $200 each. The person on the phone told me that I owe $1300 dollars to get rid of them.

Curvy, who are the loans with, are they internet or storefront and what is the total you have paid back to each. I will check on those laws for you. I saw you posted earlier and Goudah answered but I will post the actual laws for you.

Curvy, Here are the laws for Mass...In short, they are prohibited in your state.

You will find the Payday loan laws for Massachusetts here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I just called them back to get more info and I was told that my account is no longer at that company which is funny since it was there when they called me this morning. lol

so what should I do. If they are prohibated in my state do I owe them money and if so how much.

Curvy, How nice of them to loose your information. :roll: If you are approached again by anyone cliaming to be a 3rd party collector on your pdls, I would ask for their mailing address. Then I would fax, email and mail, certified return receipt a letter requesting validation of the debt. I will post a link to a good sample letter for you. I actually would send Predisposition Services a letter just to be on the safe side. Here is the link

http://www.debtconsolidationcare.com/forums/about216.html

They are with ameriloan, Paragon and United PayDay each for $200. I have payed at least $80 to each of them.

Thanks for all the help.

Curly, We always advocate paying back what you borrowed. Try going back through your bank records to determine how much you paid. If there is a difference between what you borrowed and what you paid, you owe the remainder. You are no longer paying any of them? Did you close your bank account? Here is the address for Predispopsition Services, I would still send them a letter.

States Pre-disposition Services, Inc.
Evelyn Jackson, President
1204 S 2nd St Ste F
Folkston, GA 31537-4305
Phone: (912) 276-9254

I closed my account beacuse another company Authrozied Payday clean out my bank with out my knowledge. I contacted the other three companys to try and work out differnt payment plans but all three refused unless I opened up another bank account.

Of course they would say that...they can not continue to debit and bleed you dry without your account information. :D Whatever you decide about repayment, do not give them your new account information. Pay them via money order or some other way that is not linked to your bank account.

I am legally obgiated ( hope I spelled that right) lol to pay them or can I do it in my own time.

You can do it as you have the money. The necessities come first, car, home, utilities, groceries. YOu can send them money as you get it. You tried to work out payments with them and they refused. Well if they want their money that badly they would have coopertated. According to them you will owe them waaaaaayyyy more than you borrowed but that is a bunch of crap. I have never heard of a pdl sending back any payment a member has made toward their balance.

Thank you so much for all your help.

I am in PA and keep getting phone calls from this company. I filed with the FTC and FCC. They won't tell me who they are and I won't give away information. Today the call was a different name with #404. Yesterday was Victoria, #402