AIS-PAYDAY LOANS - threat of bad check notice to dist atty

they are just blowing smoke,they can't have you arrested for not paying a pdl.that is just an idle threat.

What state are you in. Also is this a store front or internet. You mentioned "bad check", did you actually give them a check?

i live in tx. i'm not sure what company this is. there was a rep who contacted me at work, and i want to believe that it's an internet loan, not a storefront. the letter says they're representing "ais-payday loans". if i knew who that was, i might know a little more.

AIS is a collection agency.

Poster mentioned AIG pay day loans in the post, but AIS in the subject. I am confused.

ok- My original letter is from Credit Collection Services Group, but down at the bottom, it has "AIS-PAYDAY LOANS". Did CCSG take the account from AIS? If this is legit, and I'm about to receive a warrant for hot checks or something, I want to try to take care of it immediately, but if they're trying to scare me, I can take other measures. I just don't know which way to go.

they did that with me too,said two different ca names.i guess the ca follows the saying,if you can't convince them,confuse them.it is AIS and yes they are one of many illegal ca's.

sorry for any confusion. it is AIS, not AIG.

OH! You're right! AIS is what caught my eye! Hmmmm.... guess we'll have to wait and see if they come back to clarify! You're not the only one confused, kash! AIG? AIS? :shock:

Okay, so AIS has your account now? AIS was dealing with internet pdls when they tried to collect on me. Illegal pdls at that. Could this be an internet loan? Whatever/whichever - send them a debt validation letter so they have to provide you with debt validation. That should tell you what this is all about.

No, it appears that Credit Collection Services Group (CCSG) has my account now. That's whose name appears at the top of the letter. Down at the very bottom of the letter where it references who they are representing, it shows "AIS-PAYDAY LOANS" written just like that. If CCGS obtained the account from AIS, I still don't know who they got it from.

Lord have mercy! They sure do like to make it hard to figure out who the hell they're collecting for! Did they provide an address for Credit Collection Services Group (CCSG)? If so, you need to send them a debt validation letter. They should validate this debt (which includes who the original creditor is).

cannr is right on,send a dv letter.they will not issue a warrant on a most likely illegal pdl.make them prove the debt first.

OK, what is a debt validation letter? I've never heard of that. They have a number I can call too I guess. I got this letter yesterday and have until 3/15 to pay in full or else they would proceed with the "bad check" process to the DA or whoever they're sending it to. This may sound bad, but I don't want to fork over money to an illegitimate company, but on the other hand, don't necessarily want to be arrested. Any advise?

you will not be arrested,it is a threat to scare you into paying.that is all it is.

Sounds good. What is a debt verification letter and how do I send them one? I haven't ever heard of that?

you need to write a validation letter.it is different from verification.cannr should be able to assist with that.

Here is a great letter from Jcemt

Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alledged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action.

Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission

Best Regards,

Your Name Here.


Enclosure
_________________
Regards

Here is a great letter from Jcemt

Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alledged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action.

Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission

Best Regards,

Your Name Here.


Enclosure
_________________
Regards

rs, you are completely within your rights to demand debt validation from them. Send them a debt validation letter. I got your message on my home page. They MUST properly validate the debt. Send them this letter that kash so kindly posted. Send it certified mail preferably.

Looks like I so kindly posted it twice!!!!! LOl

Hey, that was pretty darn kind! Can't say you didn't help out by posting the letter! :lol:

Thats me, pretty darn kind :lol:

I got arrested in Wisconsin just for not filling out my financial terms for the bad check company I wrote one to. The Sgeriff didn't want the money or couldn't take the money. I had to sit at the Jail office and complete this financial form before they would release me, and the jerk deputy made sure I had every "T" crossed and "I" dotted. It was embaressing to say the least.

Unless the document was a court order I think you might be less than accurate.

LAST YEAR I TOOK OUT A INTERNET PAYDAY LOAN WITH "PAYDAY YES". I RECEIVED A CALL TODAY FROM MY FIANCE STATING THAT SOMEONE CALLED THEM THREATENING TO HAVE THE AUTORITIES COME TO MY PLACE OF EMPLOYMENT IF I DO NOT CALL THEM. HE GAVE ME THE NUMBER AND I CALLED "LEGAL MEDIATION PRACTICE" IN FLORIDA, AND THE "GENTLEMAN" I SPOKE WITH WAS THE "RUDEST" PERSON EVER - YOU WOULD HAVE THOUGHT I OWED HIM MONEY PERSONALLY! HE TOLD ME IF $560.00 WAS NOT PAID TODAY, SOMEONE WILL BE SHOWING UP AT MY JOB. HE TOLD ME I SHOULD CONTACT AN ATTORNEY, BUT THAT IT WOULD COST MORE FOR AN ATTORNEY THAN TO PAY THE MONEY. WHEN THEY "HUNG-UP" ON ME I CALLED "PAYDAY YES" AND THEY SAID THAT THERE RECORDS SHOW THAT THE LOAN IS NOW WITH "AIS". THEY GAVE ME A TELEPHONE NUMBER FOR THEM, BUT IT'S NOT GOOD, SO I'M STUCK!! I AM AWARE THAT I DEFAULTED ON THIS LOAN, BUT I WAS OUT OF WORK FOR AWHILE AND WAS BACKED UP ON SEVERAL BILLS WHICH I COULDN'T GET ON TOP OF, BUT THEY DID NOT WANT TO WORK WITH ME AT ALL - "IF NOT PAID TODAY, BASICALLY I'LL BE EMBARRASSED AND ARRESTED ON MY JOB"! I AM VERY CONCERNED BECAUSE I CANNOT COME UP WITH THAT KIND OF MONEY WITHIN SEVERAL HOURS, AND THEY ARE NOT ACCEPTING ANYTHING LESS! PLEASE ADVISE AS SOON AS POSSIBLE - I'M TRULY STRESSED ABOUT THIS ISSUE!

first calm down and relax.second both AIS and IL-LEGAL MEDIATION are two bottomfeeder collectors.if you do a search in the bar at top right,you will find out about these illegal mopes.next debts are civil matters not criminal ones.these places use scare tactics because they have no legal recourse whatsoever.after you gather yourself have your boss and co-workers say you quit and no longer work there.the pdl you had is illegal,unlicensed and is only owed the amount you borrowed nothing more.if you paid that much back you are through.

I don't know if I'd go so far as to having my boss and co-workers lie by telling them you quit. I would hit them head on with a debt validation and partial cease and desist letter, stressing the fact they are not to call you at work. You can fax them a copy as well as following up with a copy via certified mail/return receipt requested. There is no reason you should have to go to such extremes to get peace from these morons.

However you decide to handle it, don't be afraid of them; you are not going to be arrested for a bad debt! Do as PaulMergel suggested and seach for both these companies on this website, you will find pages of useful information and people sharing their experiences with these psycho's.

good catch ron.i have been in a foreign idiot mode today.these two send a partial cease and desist.that other bit about the work calls was for overseas illegals.these ones you can take legal action if they choose to violate that cease and desist letter.again thanks ron for the correction.i 've been thinkin every pdl and CA is overseas.D'OH.

Yeah, and I got the 411 on Il-Legal Medation Mal-Practice, what with it being right here in my hometown and all.

The Jerks!

Glad they're not all overseas, though. That way you can get a little compensations (to the tune of $1,000) whenever they do violate the fdcpa and you sue them and win.

I know it's not a lot, but sometimes is the principle!

What are the laws for "bad checks" for Indiana?

Debt and Bankruptcy Laws -- Indiana
WAGE GARNISHMENT EXEMPTION: 75% of disposable earnings or 30 times the federal minimum hourly wage ($5.15), whichever is greater

MAXIMUM INTEREST RATE: Legal: 8% Judgment: 8%

STATUTE OF LIMITATIONS FOR ENFORCEMENT:

Open Account (credit card): 6 years
Written contract for payment of money: 6 years
Written Contract (other than payment of money): 10 years
Written Contract (sale of goods): 4 years
Domestic Judgment: 10 years (property); 20 years (personal)
Foreign Judgment: 10




BAD CHECK LAW DAMAGES: Three times the check amount up to $500 over check amount (can also collect attorney fees plus interest up to 18% OR attorney fees and 8% interest)

It is agianst the law for CA'S to send letters by US MAIL and make 'FALSE AND MIS-LEADING PRESENTMENTS" per the FDCPA AS WELL AS THE US MAIL Code under UCC Title 18. THIS MIGHT RERESENT A felony ON BEHALF OF THE CA.

Send these guys a letter by Certified mail, return receipt, demanding they validate this alledged debt, and submit documentation showing where they have the authority to represent the original creditor. Advise them that if they continue to contact you without proper validation, then you will hold their company as well as the officers and staff personally and corporately liable in the event you file suit against them and seek damages fo $1000.00 maximum as allowed by the FDCPA and also punitive damages over and above the $1000.00 as might be appropriate and decided by your legal councel. Also advise them that you will file a complaint with the US POSTAL SERVICE, LEGAL DEPARTMENT and ask them to pursue this matter as they deem appropriate.
Go after the CA as a company, as well as the individuals who may be sending the letters to you. If we hit the guys in their own "back pockets" this really gets their attention.

I just received a threatening call from AIG also, regarding a payday loan I had with Cashnet Usa. They threatened to have me arrested and went so far as to impersonate a detective in the county I live in! They were extremely rude and refused to give me a mailing address. They wanted my bank account information over the phone and when I refused he started yelling at me telling me I had a problem with listening and that I would be arrested tomorrow if I did not call him by tomorrow with my debit card information. I called the detective division in my county and they advised me that I can not be arrested for a payday loan. That it is a civil matter not a criminal case. I was also advised not to give them any type of account information over the phone, that any legitimate business will provide you with their payment address. When I called them back with this information he said see you in court and hung up on me! Be aware of these scammers!

I just got a call saying that Credit Collections Service Group now holds a internet payday loan from Payday Loan Yes that I probably overpaid in 2007. "Sophia" said that they were going to file "bad check" charges in my parish (Louisiana). I haven't heard ANYTHING from Payday Loan Yes in over a year. Any advice?

I believe Payday loan yes is illegal in the US (Someone correct me if I'm wrong). If they are, just ingore them. They won't step foot in a US court system. Besides most states you cannot be charged criminally, but I'd check with your state just to be sure, as every state is different.

up until last month I manage a very popular payday loan service and the company i worked for used that line as a scare tactic to collect money from the borrowers. but tell you the truth all they can do is put it on your credit. there is absolutely nothing else they can do.

I have be threatened about turning my check in to the DA for theift by check. Is this possible.

I had a payday loan with the Cash Store which I defaulted on 2 years ago. I know it is a store front and that I left a check wtih them (their policy) for $300, the amount of the loan. After 2 years can they file check fraud on me and will they come after me?