spartan legal services

is cash advance usa legal?

is it a storefront? or internet? what state are you in?

even if they are legal, what they are doing is not. Did you follow reports with BBB, AG & FTC? If not, do so ASAP. If so, follow up ASAP. Did you send a C & D letter? If so, resend it.

no, i have not contacted anyone, i am freaking out that they are doing this, i just got another message here at work, it was literally a threat, he is sending info for a warrant at police dept, which he informed me is 5 miles from my home. he was horrible, what do i do? i have not contacted anyone, but i would say this is harrassment. i am in texas.

what is ftc and ag, sorry i cannot think straight.

FTC, Federal Trade Commission....

AG - Attorney General

NO worries :D

this was an internet loan, i am in texas

Do not let them intimidate you. What they are doing is not legal. Capitol Collections started harassing me and verbally insulting me threatening me with jail over a cash advance that is paid off and was part of an identity theft. They had the wrong address, wrong phone number and employer. Thank goodness they dont have my new information.

I have reported them to the Attorney General and the Federal Trade Commission.

On my post, I mention Capital Collections. That's how it started with them trying to collect on a closed and paid off Cash Advance USA payday loan. They then threatened that they were send this to Spartan Legal Services. The only Spartan Legal services I could find is somewhere in Latvia!

Just wanted to clarify.

i have been through this same thing exactly with both of them, capital collections and spartan, they called my boss,and her brother is a police officer, they tried to contract them back, they are such liars, they cannot have a warrant on you, or put you in jail. they are just trying to scare you, report them to the attorney generals office, we tried to get their address, and they gave a box, so donot let them scare you. if they call my office again, they actually have broken the law, and now we are on to them finally. don't worry,they can do nothing

ok, i am an idiot, i just answered my own comment, but things have actually changed for me since i first inquired about this, my boss took into her own hands. sorry to take up more space,

Ok I see. But thank you for your advice. Glad things worked out for you

I had the same problem like a month ago with Capital Collections, they threatened about sending this to the police and they actually did. The police knocked on my door asking explanations about the bad check I wrote to Cash Advance. I had to pay them right away. Please be careful cause I suffered the consequences.

My story is a bit different, I was contacted by Capital Collections first, I always ignored there threattening messages, after a while I was contacted by some one from spartan legal services or something like that and did the same, after 2 months a recieved a court communication, I don't know how this guys found the way but they did sue me and now I am paying them a lot of money, I thought they were not able to file anything since payday loans are not legal, they hooked me up with the promissory note I signed so I guess the best idea will be not to neglect this, if somenone can give me some advice.

My story is a bit different, I was contacted by Capital Collections first, I always ignored there threattening messages, after a while I was contacted by some one from spartan legal services or something like that and did the same, after 2 months a recieved a court communication, I don't know how this guys found the way but they did sue me and now I am paying them a lot of money, I thought they were not able to file anything since payday loans are not legal, they hooked me up with the promissory note I signed so I guess the best idea will be not to neglect this, if somenone can give me some advice.

My story is a bit different, I was contacted by Capital Collections first, I always ignored there threattening messages, after a while I was contacted by some one from spartan legal services or something like that and did the same, after 2 months a recieved a court communication, I don't know how this guys found the way but they did sue me and now I am paying them a lot of money, I thought they were not able to file anything since payday loans are not legal, they hooked me up with the promissory note I signed so I guess the best idea will be not to neglect this, if somenone can give me some advice.

4acestx - Wow - which PDL did you borrow from? Unfortunately, not all are illegal - depends on your state laws.

Last night I got a call from my daughter, then my daughter-in-law and then my friend this morning. He left messages on my daughter's and my friend's answering machine, but talked to my daughte-om-law. It was a call from a Robert Hernandez that said he was calling about a bad check and that it had been turned over to Spartan Legal Services. He gave his phone number and the case number and said that there would be a warrant for my arrest. He also told my daughter-in-law that I was behind in my payments.

I do not know what this is all about. I have tried to call the number he gave both last night and this morning. I get nothing but an answering machine.

What is the best way to handle this?

I want to add that I have filed a complaint with the Atorney General, Better Business Bureau, and Federal Trade Commission of Texas. I would gladly file a C and D letter, but I do not have access to the information required.

yelp , they just called me threaten me too . never said for what thought ( I do have a hunch why) 1-800-813-6810. should i wait to see if they will arrest me, . also i was out . they gave this infor to a temp who was sitting in my place here at work .

Ummmm... I don't know who those last 2 posts came from saying that they CAN arrest you or send the police to your door. (Maybe collection agency plants who want people to believe that?) I'm in California and that is SO NOT TRUE here. We just had the same scenario with Spartan Legal - threatening phone calls, cursing & name calling at my husband at work, contacting his employer and threats with arrest. This guy even faxed a complete history of all our past debts to the employer - some of them almost 15 years old! I contacted our lawyer and guess what - THEY CAN NOT LEGALLY DO THAT TO YOU. The police know it... they don't come to your door demanding the money, either. The company can attempt to take you to court, and maybe even win the case. But they can NOT get the police involved as there has been no "crime" committed. It's a civil matter, not a criminal one. Payday loan checks DO NOT fall under the same category as any other "bad check" becuase NSF checks are their business! The company knew you didn't have the money at the time you wrote it. In our case, our attorney is contacting Spartan Legal with a "Cease Harrassment" notification. If they continue, WE can sue THEM and they can even be fined for breaking the law themselves.

Sorry - there are more responses since I started my post. I don't mean the LAST 2 posts... I was referring to the ones from 4acestx and the one above that.

Hey, Doris... that is the same name of the guy who has been contacting my husband. Wonder if it's a made-up name that they all use when they call people?

This format won't let me post a link, but you can goggle The Fair Debt Collection Practices Act and read it yourself. This is a government document issued by the United States Federal Trade Commission - and you can???t get any more authoritative than that!

Scroll Down to Page 20 which it describes what exceptions pertain to the laws regarding ???bad checks.??? It says:

???Certain Checks Excluded.???A check is described in this subsection if the check involves, or is subsequently found to involve???
(1) a postdated check presented in connection with a payday loan, or other similar transaction, where the payee of the check knew that the issuer had insufficient funds at the time the check was made, drawn, or delivered;???

I just received a fax at work today from a Robert Hernandez. Of course my boss gave it to me. This fax is basically stating that I have 48 hours to contact them or they would issue a warrant for my arrest. It also stated that I had a unpaid cash advance with Cash Advance USA. This was paid in 1-08. So I was suspicious and looked their business up on the internet and there is no website so I googled it and came upon all of this. I will be contacting the FTC and the BBB. I will give these to my lawayer and maybe he can giude me on what to do next. Does anyone have any suggestions

Hello all, why don't you get everyones email and go to the consumer report and turn this company in not only that when they come at you with a different name just nail them. This is a class action lawsuit on this company and they will never be able to do anything.The law states that they should reveal an physical address and if you say that you have an attorney.....they should deal with him or her and not you.

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