Atty Norman Kalini

Stay calm my friend and please read these links:

http://www.ripoffreport.com/reports/0/264/RipOff0264853.htm

http://800notes.com/Phone.aspx/1-201-336-1026

I did get on 800 notes to read the responses but my concern is that she will call my human resources dept. I took out a loan with 500 fastcash for $500. I paid $300 towards the loan and when I sent them a letter I explained to them that I am willing to pay the remaining principal that I owe. I never heard a word from them. When it goes to a collection agency does that mean that the wage assignment revocation is null and void. Can they actually have my employer garnish. I also live in the state of NC.

First 500 fastcash is ILLEGAL and PDLs are ILLEGAL in the state of NC. So most likely they will turn your account to a bottom feeder collection company that will try and collect on an ILLEGAL debt. A wage assignment is voluntary and a garnishment has to be court ordered to make it LEGAL. So if you revoke it by sending a letter to your payroll department you should be fine. The PDL is just resorting to scare tactics because you cut them off. Please secure your bank account, then draft a Wage Assignment Revocation letter. Take it to your payroll department, then send a copy to the PDL certified. Once their attempts have failed they may turn you over to collections or accept your proposal.

I sent out certified letters with ach revocation as well as wage assignment revocations to all of my pdl's last week....I'm sure that's why they are turning me over to CA's. They also know that pdl's are illegal in my state. I've already closed my account so that is secure. I'm embarrased to take anything to my payroll dept but it's probably worth it just in case.

Ali, i'd give a copy of a wage revoke letter to them, just in case. Just tell them that this company is fraudently operating in the state of NC and are not to comply with them in anyway, shape or form. If your HR deparment wants proof that they are illegal in NC show them all your paperwork from DFI, that should satisfy them.

Well ILLEGAL PDLs do not always play fair. So please send a copy of that revocation letter to your payroll dept. If not they may sneak that wage assignment past you and get to your money :(

I just received a letter from ACA Recovery, Inc. I guess it's on behalf of Norman G. Kalina....hmmmm. They are saying I owe $755.00 The loan was for $500 and I already paid $300. That's ridiculous!!! What should I send to them? They have the client's name as Processing Solutions...what is that? The letter states I'm supposed to contact Mr. Cutler.

By all means show a copy of the wage revocation to your employer. Just tell you employer you are being scammed, and to protect your interest you have sent this bogus company a wage revocation letter. Also, if and when this Attorney's office calls back, tell them they now have 5 days after the initial contact to send you the Mini-Miranda Warning through USPS. If they are any kind of REAL legal office they will understand what you are talking about. I would also remind them that per the FDCPA you will sue them if they fail to abide by the Fair Debt Collection Practices!
Click on the link below to read about your rights.
http://www.expertlaw.com/library/consumer/fair_debt_collection.html#9

What I said above also applies to ACA Recovery. :D

Ali, follow Shazzers advice :)I'd also send them a DV Letter, and remind them that whatever payday lender they are trying to get money from is illegal in the state of NC and would happy to pay principal only. I'd also let DFI know that your getting letters trying to collect on an illegal payday lender.

What should I say in my wage revocation to my employer. I'm so embarrased about this.

It can be very simple, explain to them that you have had some fraud on your bank account and that you are revoking any and all wage assignments they may receive. End of story.

Yes the letter is usually no longer than three sentences. Please do not be embarrased.

Thank you everyone so much for your help. Could someone please post for me the NC payday loan laws. I've been looking and can't find it.

should be listed in here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Read Below:

Quote:

Norman Kalina currently has a class action lawsuit against him. Or did at least at one time. He is a big douche bag.

When I respond to this company should I send them a copy of the letter that I sent to 500 Fastcash?

Cool. This guy has some nerve to still try and scam folks if that is true :evil:

They told me that 500 fastcash doesn't have to work out any payment arrangements with me nor do they have to contact me. I'm just thinking that maybe I shouldn't send them a copy of the letter I sent to 500 fastcash.....they might twist it around and use it against me. Anway, I'm getting ready to mail them a certified letter with the NC laws and a debt validation letter. What happens if the send me a letter validating the debt but still want me to pay above and beyond the principal amount?

Ali, I would if that would happen send it to your DFI and let them deal with them. They will quickly change their tune. (If they even bother responding to DFI) they didn't with me (500fastcash) but once I contacted my state, they have yet to contact me again.

I swear today must be my lucky day....I just got a call from Lawal & Associates, as I have in the past. It's concering a payday loan that I had with Sagamore last year and paid $480 on a $200 loan. I stopped payment on the debit and they never contacted me. I guess they turned it over to this "Agency". I was stupid enough to pay them $100 due to the fact that I was scared to death because they said they were contacting my employer and I could go to jail for fraud. Needless to say they got $100 out of me. I'm not giving them another dime but when I asked her to send me something in writing she said she they don't do that. I told her by law she has to and she said she works for a law firm and knows that by law she doesn't have to. If anyone out there has an address for them please send it to me so I can send them a "nice" little letter requesting validation and to cease and desist from calling me. I need a drink!!!

There's this but not sure if this is who you want...

http://web3.userinstinct.com/43222575-law-firm-of-o-j-lawal-associates.htm

there's also this
http://www.merchantcircle.com/business/Lawal.And.Associates.Ltd.773-764-6183

but more importantly: http://www.debtconsolidationcare.com/collection-agencies/lawalandassociates.html

and
http://www.debtconsolidationcare.com/collection-agencies/ojlawal&associates.html

From what I can tell they are the same as 1st Integral Recovery Services posing as Lawal & Associates. I'm sending them a cease & desist letter. I owe them nothing! I've also got a call into the NC General Attorney's Office. Thanks so much to everyone! :lol:

alinewcombe you are doing great!. Just stick to your guns and someday very soon you will be PDL free. :D