need help immediately

My guess is this is an illegal payday loan company using an illegal CA to collect a debt. First of all dont panic, debt is a civil matter not criminal and I doubt this CA is going to do anything to you other than threaten and harass. Legal legitimate Collection Agencies do not behave the way this company is. Have you sent them or asked for debt validation? Have you checked the licensee data base of your state to see if they are even licensed to Collect in your state? If they get you on the phone again tell them you want Debt Validation and their license number to collect in your state and then tell them you are recording their call to turn over to your AG's office and the FTC. I bet they will hang up faster than you will know there is no one on the other line.

In the meantime I am going to research this for you. Dont be intimidated, stand your ground.

Cash Advance USA
PTY 741
Miami, FL 33102
Phone: (877) 840-0440
http://www.cashadvance.com
Contact: Anna -
Business Start Date: N/A
Company ID: 23007180

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Company
Rating Our opinion of what this rating means:
We strongly question the company???s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law???s licensing or registration requirements, their complaints contain especially serious allegations, or the company???s industry is known for its fraudulent business practices.
F

You owe this company nothing, in fact they owe you a refund. Tell Capital to go and harass someone who does not know their rights. Inform them you have filed complaints.

I not sure about the PDL but I can not find that collection agency licensed in MN.

Capital Collections
PO Box 02-5635
Miami , FL 33102
Phone: (888) 579-8904
Business Start Date: N/A
Company ID: 92013227

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Company
Rating Our opinion of what this rating means:
We have enough concerns about this company (for example, their offer, customer complaints, advertising, etc.) that we recommend caution in doing business with it.
D

i sent them a debt validation letter by certified mail they called me and told me they dont have to follow the collection agency rules since they are a law firm however they are called Capital Collections. They also told me that due to time restraints on this account they need to move forward and I need to quit comming up with reasons to stall hence they wont be sending me information.

I have never recevied a letter from them only phone calls...They claim they sent me a letter back in July which I have not moved in 8 years so that letter never made it to me. If there was such a letter it should be easy for them to produce a copy of that letter to send me again right?


They called my place of work today 5 times yelling at whoever answered. I asked them not to call they immediately called back all 5 times and I hung up. They have already been sent a do not call request by certified mail however this has not made its way to them yet. I would fax it as well but I dont want them to have my work fax number. My supervisor notified security they are considering pressing charges if they Capital Corporation doesnt comply to my request . They threatened that they would come and arrest me at work for fraud and fax all of my loan documents to the local police dept and have me arrested and criminal charges pressed for fraud along with hefty fines.

I would tell them they need to re-read the FDCPA. Then put them on ignore.

my thoughts are what happens if they can do something? and seriously this is over a 200 loan that I have clearly overpaid on. they decline to send me any further info. tell me that I am stalling on paying by doing this. what else can i do short of hiring a lawyer? which i dont want to do but dont know what else to do.

Owing a debt is a civil matter, NOT a criminal one. Their threats mean nothing, ignore it and file a complaint with the FTC, BBB and your Attorney General.

i have informed them that I have filed complaints they say that since they are a law firm the BBB and AG cant do anything to help me.

They're full of crap! Tell them to go piss up a tree, it's all BS, they are trying to scare you, you have the law on your side, they have zilch! IF they really are a law firm, tell them you are going to report them to the FL Bar Association, then do it!

My work already received a request from them to garnish wages how does that work? I did call payroll and talk with them

I am supposed to make my first payment tomorrow. They called to get my human resource fax number last week and faxed them a wage garnishment sheet. My work already received a request from them to garnish wages how does that work? I did call payroll and talk with them they said generally that sheet is all that they need I have a hard time with this since I work for a large employeer that this is true? I told my payroll dept about the situation they are going to check with the legal dept at my work to see what they should be doing. Shouldn't we have to go to court for them to do this or something? I feel like I should cave and pay them I would be much more ok with paying the original company instead of the collection agency/law firm. Hoenstly i think the collection agency has the same people working that the loan place did. Phone numbers are just a few digits different and everyone has a heavy accent all sound the same the alleged lawyer didnt even give his name declined said all that i needed to know was that he was a lawyer and since he was a lawyer he can call me at work even though I requested for them not to. crap!

how do i find out if a business is licensed to loan or collect in MN?

Quote:

help

to the guest two spots above.if your HR allows that wothout a court order.go to th big boss and inform him.without a court order they do not have to and should not accept that.garnishment takes a court order.i would also go to NACA.NET and find a consumer attorney and look into legal action against this bottomfeeder collector.that is what they are pure and simple,but push the point that it is not a granishment because it is not court ordered.no court ordered garnishment would come via fax.it would be sent by the court in the mail.

Wage Garnishment has to be court ordered. Wage Assignment is voluntary and you can revoke it. Send your payroll department a letter stating that you are revoking any and all wage assignments.

thanks

if i end up having to go to court about this do i have to go to florida? since I am a mn resident?

also they are the ones declinig to provide information so honestly how can i be the bad guy if they would simply comply to my request I would be happy to pay up if they prove that I rightfully owe after a account ledger, proof of licensure, proof to collect, is sent to me

You need to call your state Department of Financial Institutions tomorrow and ask about this so called Collection Agency/Law Firm. I do not see you going anywhere over this, legitimate companies do not act like this. It is your right to have your debt validated. Personally, you need to stop talking to these clowns all they are doing is upsetting you.

Capital Collections called me at my work on 3/6 I immediately transferred the call to our security office as soon as Security answered Capital Collections hung up. They however called my cell phone and left a nasty message about how they are going to call me daily until I pay they even swore and said that my "damn" attitude needs to stop and they are finding my tone of voice to be annoying on my answering machine! I am switching cell phone numbers and my employeer is filing a harassment complaint against them if they call me at work again. I have already sent them a cease to communicate with me request by certified mail along with a second request for a debt validation. I filed complaints with MN AG office, FL AG office, BBB in Florida and MN. I also faxed my inofrmation to the FLorida Bar Association since these clowns claim to be attorneys/lawyers but are not on the registry as such! These folks are going down!

Are you in MN or FL? There message on your cell phone is a great 1 and I know a wonderful consumer attorney here!

I am in MN where is your consumer attorney friend located at