Payday One
Date: Wed, 02/18/2009 - 06:45
I had a loan with PayDay One that I keep receiving notices on. Yes, I took out a loan. No, the full amount wasn't paid back.
Long story short, my finanical troubles got the best of me and in the mid-part of '08 I filed for Chapter 7 along with my spouse and for the 2nd half of '08 dealt with no outside collectors or agencies during the filing because of the court ordered stay. In December my case was discharged and closed. About the middle of January I started receiving e-mails from the lender (PDO) about the outstanding amount.
The first offer was for 50% off the amount owed. The 2nd offer, one that I received via e-mail again yesterday, was for 60% off the amount owed. Usually when I've been approached with settlement offers from creditors in the past, the offers were withdrawn after 10 working days or something similar.
I try to contact PDO but when I do they say that they cannot speak with me because the account is notated with a Bankruptcy on file. I'm put on hold for an indefinite period of time before I am eventually disconnected. When I go to the site to view my account, the only option I have is to pay the full non-negotiated amount.
Any advice?
State - IL
Long story short, my finanical troubles got the best of me and in the mid-part of '08 I filed for Chapter 7 along with my spouse and for the 2nd half of '08 dealt with no outside collectors or agencies during the filing because of the court ordered stay. In December my case was discharged and closed. About the middle of January I started receiving e-mails from the lender (PDO) about the outstanding amount.
The first offer was for 50% off the amount owed. The 2nd offer, one that I received via e-mail again yesterday, was for 60% off the amount owed. Usually when I've been approached with settlement offers from creditors in the past, the offers were withdrawn after 10 working days or something similar.
I try to contact PDO but when I do they say that they cannot speak with me because the account is notated with a Bankruptcy on file. I'm put on hold for an indefinite period of time before I am eventually disconnected. When I go to the site to view my account, the only option I have is to pay the full non-negotiated amount.
Any advice?
State - IL
reply
i take it this was included in your BK petition.if so inform the trustee and BK court.that is contempt and will land this pdl in big trouble.
I already let my attorney know, all he has told me to do is reco
I already let my attorney know, all he has told me to do is record the date and time of the calls, and if possible to get something in writing from them so his office has a formal request on file.
They are breaking the law contacting you if this was included in
They are breaking the law contacting you if this was included in your BK. Refer them to your attorney and let them know they are in violation.
