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678-593-2340 - is this belongs to Nelson Hirsch and Associates?

Date: Tue, 03/10/2009 - 10:39

Submitted by msladynyc
on Tue, 03/10/2009 - 10:39

Posts: 4 Credits: [Donate]

Total Replies: 54


A CA keeps calling me claiming I owe a debt from 2005 to a payday loan company, which could be possible. I asked for them to validate the claim via postal mail but the manager refused only to send my request via email. I did intially send the DV letter in the email to him no response as I told him I refuse to deal with e-mail communications now but to send the information via mail. When they contacted me the intial person said that a court date has been set and that I can settle before hand. Of course that is a "hell no" until I get proof. I have not been able to find and address for them and they are calling from GA not and 800# but a 678-593-2340. I live in Alabama now since 2005, so not sure what laws to check on this I am assuming TN but they said they can file a claim in AL now because they have my current address and phone number that is how they contacted me about this debt. I know they are an illegal payday loan company but they refuse to give me the name of the company. Not sure how to handle this issue. I keep getting conflicting information that there is no lawsuit pending, no date when I speak to manager but the other people that work for them keep insisting that there is a case pending in TN. The manager claims I made payments but the lady that calls me everyday about this says I did not. Please advise Thanks in Advance!!!!


i would not worry about them too much. with loans that are not legal, all you morally have to pay is the amount borrowed. and that can be done on your terms. but to be honest even if you did not pay the full principal, i would not trust an agenecy that comes out of the woodwork like this.


lrhall41

Submitted by bea2ls on Wed, 03/11/2009 - 07:45

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Send the DV letters. By law if they want to pursue the debt, they HAVE to validate, not "you may or may not get a response). That is total bunk.

You can easily see if there is a court date by calling the courthouse. Also check your state laws on recording conversations as them telling you there is a case when none exists is a violation.

Don't let them intimidate you, the law is on your side in your requests for documentation.


lrhall41

Submitted by goldenbast on Wed, 03/11/2009 - 08:03

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msladynyc:

Completely ignore the "funny" guest, it is a total moron and likely can't even read since it obviously didn't read your question. The facts are the facts. If you DID take out a loan with an illegal company, then morally you are required to pay back the initial money lent to you. Legally, you are not required to pay a thing since they were not legal to begin with.

Does that make you a deadbeat? No. Besides, you are not even there yet...you are not required to pay a damn thing until the company validates the debt, and THAT is the simple truth.


lrhall41

Submitted by goldenbast on Sat, 03/21/2009 - 14:27

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I recently received a call from a very rude employee of this company stating that I defaulted on a loan in 2005 and that I could resolve this matter Before going to court or contacting by employer. I asked what was the total cost of the debt and was told an $1, 045.00. Iwas also told that the loan amount was originally 645.00. I told the rep that I have never received al loan in excess of $300.00. The conversation continued and I just asked her to me a copy of the paperwork and of course she declined and told me to get an attorney. She went on to say that she did a :"recording and my voice was a match". I told her "a match to what, I have never spoken to anyone about this debt.. She ended the conversation by saying 'You have committed check fraud and you need to get an attorney or pay quick,I am getting ready to home . Good bye."


lrhall41

Submitted by on Thu, 03/26/2009 - 01:03

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These people keep calling me at work in spite of demands to call at home or send something in the US Mail. I have even asked to be contacted via my EMail to no avail. My question, after 5 years, I do not believe this is a legitamate issue. What step do I need to take? With nothing in writing from anyone, they are not getting anything.


lrhall41

Submitted by on Fri, 03/27/2009 - 06:26

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I have been recieving the same calls threatening a check fraud charge. After weeks of this I contacted my attorney and it has stopped. I am still very nervous about this after all when people threaten you it gets scary. I am a single income household and my husband is ill and when they call the house he gets so upset it takes me hours to calm him down. i am in North Carolina.


lrhall41

Submitted by on Fri, 03/27/2009 - 14:25

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Guest:
Explain to your husband that these collectors do this precisely because it scares people and makes them angry. The only check fraud is if you write a check with the intent to bounce it. Plus bad check statute of limitations is usually very small, like 1 year, plus the company the check was written to has to be the one to submit the check for prosecution. You want to check your state law on that 1 year, some states are different.

Now, if you just gave a -blank- check, then that is NOT a bounced check at all, the only reason they took the check was to have your account and routing number. If the PDL was over the internet, then it isn't a bounced check either.

You should send a DV letter to the company asking to see a copy of the check, both front and back. If it was for a PDL, ask to see the documentation in regards to this debt and all appropriate licensing to make sure they were even legal to loan to you to begin with.

If this company is on the up and up and the debt is legitimate, they will have no problem with complying.

Rocky:
You need to send a DV letter and include in the letter a statement forbidding them from calling you at all, that all correspondence should be by USPS only. 5 years may or may not be within your state's SOL, you should check on that.

Guest with the matching voice:
That is actually pretty dang funny. I haven't heard that one before. You should send them a DV letter, again stating that they must have the wrong person because you never took out a loan above $300. Also ask for a copy of the voice recording as well. :) Oh and of course you want to see a copy of the check that was supposedly written by you... :)


lrhall41

Submitted by goldenbast on Sat, 03/28/2009 - 21:21

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It is illegal for a collections agency or a lawyer who is trying to collect a debt to treaten you with crimal prosecution for a civil offence. Internet fraud is a crimianl complaint. Owing money is a civil complaint.
If you owe money, and the debt is sold to another collections agency, usually they bought if for a fraction of the original bebt. So you can negotiate with them and pay off the bedt for a fraction of the original. Be sure to get it in writing that the debt will be completely removed from your credit report before you send them anything.


lrhall41

Submitted by on Thu, 04/09/2009 - 12:12

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These same people called my grandfather because he was "associated" with me. She also said something about fraud and mumbled the name of the company so that he couldn't really understand what she said. I've had payday loans before but it's been a very, very long time. Funny thing is they never even called my own house, and my number has been the same for over 10 years....they won't get a dime from me.


lrhall41

Submitted by on Thu, 04/16/2009 - 16:06

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These same people called my grandfather because he was "associated" with me. She also said something about fraud and mumbled the name of the company so that he couldn't really understand what she said. I've had payday loans before but it's been a very, very long time. Funny thing is they never even called my own house, and my number has been the same for over 10 years....they won't get a dime from me.


lrhall41

Submitted by on Thu, 04/16/2009 - 16:12

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I received a call identified as "Layfield, Terri" at 8:00 on Saturday night--from a woman who called herself "Ms. Patterson"--stating that she was giving me a "courtesy call" because I had committed check fraud-apparently by taking out a payday loan on the internet in 2005, and defaulting on it...which I Did NOT take out a payday loan on the internet...she had personal info..including my social and birthdate!! She kept saying that a case was going to be filed the following Monday, but that she could rescind it if I would make a payment...I had to ask several times how much this loan was supposedly for..and she finally said that it was originally for $550. but w/fees, it was now up to $1,100. I kept asking her which company she worked for and she said it was this Nelson, Hirsch and Associates. I asked for a web site, and she said it was sos.gov or something..she did not know the address off hand, but that if I would be willing to make a payment, to stop the proceedings, that I could speak to a Mr. Kevin Zachary, and that he would give me all of the information I needed. I kept telling her that I did not take out a loan and I asked her to name the references listed and she listed someone I've never heard of. She finally got "Mr. Zachary" on the phone, and he kept saying that I needed to make a payment immediately to stop the local authorities from being called...I kept asking for a physical address and demanded something in writing first, and he said that would not do that, that I had to pay a deposit immediately and then he would give me a "deal" of making 3 payments of $250. a month for 3 months. When I asked which payday loan I supposedly got this loan through, he kind of mumbled "Quickest payday loans" I've never heard of this place. I did not take out a payday loan!! I got so flustered and mad, because he said he would not give me anything in writing until after I made a payment, that I hung up on him...and Thank God, because apparently they're doing this to a lot of people.


lrhall41

Submitted by on Sat, 04/18/2009 - 20:42

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Thanks for responding! It is really scary the info. that these people have! I'm thinking of changing my phone #...and really do not want to do that!! But, do not want to ever get another call like that!! They did have a name of someone that I do know...but have never listed as a reference on anything!! I do not want them harrassing this person. I did not tell them I knew the person, and I just pray that they will leave me alone!!


lrhall41

Submitted by on Sun, 04/19/2009 - 06:01

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When speaking of payday loans this is what I know:

Payday loans can provide quick emergency cash for people who don't have access to credit cards. But, they come with high interest rates. If you take out a loan for a couple of weeks so that you can fix your radiator and pay the loan back when your next paycheck comes in, you're okay. You will pay a high interest rate for a couple of week's worth of money, but in an emergency situation like this, payday loans can be a godsend.
But, what happens if you don't pay a payday loan? What happens if you just skip out?
The first thing that will happen is that the interest will continue to pile up on your debt. That means that a $400 loan can quickly become a $1600 obligation.
If you don't pay up, the lender can go to court and get a Judgment against you. When they do this, they can also collect attorney's and court fees against you. So, that $1600 becomes $3500.
Then, they can get a lien on your property. They can seize your checking accounts, real estate, or personal property to satisfy the Judgment.
What happens if you don't pay a payday loan? Well, if you took out a loan to fix your radiator, you could end up losing the car entirely if you don't make good on the debt.
Additionally, you should know that in some jurisdictions, you can be arrested for not paying back a payday loan. You could never be arrested for failing to pay off a credit card, so why does defaulting on a payday loan land you in jail?
The simple answer to this is that to secure a payday loan, you wrote a post dated check. In some places, you can be arrested for writing a bad check. It is very important to check the fine print on the contract you sign when securing the loan.
So, are payday loans ever a good idea? If you understand that they are very high interest loans and that they must be repaid on time, they can give you a lifeline in a true emergency. If you don't have any credit, your family and friends are unable to give you a loan, and you need the money in a hurry, these cash advances can save the day.
Just be aware of what happens if you don't pay a payday loan.[samebox:7abf4a6a31="paulmergel"]that is the biggest bunch of hogwash.how does an illegal pdl know how you spent the money.your analogies are as bad as your grasp of the legal.BUH-BYE humanoid.[/samebox:7abf4a6a31]


lrhall41

Submitted by on Thu, 04/23/2009 - 15:03

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You beagleflees, er . . . I mean legaleeze, yours is the biggest piece of crap post I have read in a long time. No one is going to be arrested for not repaying a loan, for whatever reason.

Period.

This "bad check" scare tactic you're trotting out is the same one those illegal CA's use when they try collecting on these defaulted PayDay Loans. People should request to see copies of these "bad checks" you guys keep going on about, as I'm sure they don't exist.

So go peddle your poop somewhere else, because we ain't buying.


lrhall41

Submitted by FloridaRon on Thu, 04/23/2009 - 18:24

( Posts: 1190 | Credits: )


Seems to me like you people know you took out these payday
loans ,how ever long ago, with no intentions of paying them back and now that it's catching up to you your trying to find an excuse not to pay it back. That is pathetic!!!! And when you think about it you really STOLE these people money and you should be prosecuted. I hope they do file a suit against you for THEFT!!!![samebox:eeac2356ec="paulmergel"]an illgal pdl won't do a thing.by the way debiting someone's account on any other day than the one agreed is fraud on the lender,and negates the supposed contract.how about that humanoid?[/samebox:eeac2356ec]


lrhall41

Submitted by on Sat, 04/25/2009 - 07:57

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As for you FloridaRon if the loan was taken out over the internet there won't be an actual check, duhhh!!! Why? Because everything was done electronically therefore bank account information was entered. They deposited the money into the account ELECTRONICALLY and for repayment you allow them to debit your account ELECTRONICALLY. So go peddle your poop somewhere else because you're full of it!!!![samebox:2199280c40="paulmergel"]who's full of it?seems to me that you posted these as being legal because the ACH debit consent counts as a check.your examples still suck.as well as your grasp of anything.[/samebox:2199280c40]


lrhall41

Submitted by on Sat, 04/25/2009 - 08:09

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TO ANY AND EVERY ONE THAT WANT TO KNOW MORE ABOUT THE COMPANY THAT IS CALLING TO COLLECT A DEBT. THE COMPANY NAME IS NELSON HIRSH AND ASSOCIATES, THEY ARE NOT ATTORNEYS OR A LAW FIRM, THEY ARE SIMPLY BILL/ DEBT COLLECTORS. HOW DO I KNOW? I ONCE WAS A INSIDER, (IF YOU CATCH MY DRIFT). THEY WILL USE SCARE TACTICS TO GET YOU TO PAY, IMMEDIATELY, IF YOU OWE A PAY DAY LOAN, YOU CAN PAY WHAT YOU OWE AND GET A LETTER FROM THEM STATING YOU PAID IN FULL, DO NOT GIVE THEM YOUR BANK INFO UNTIL YOU RECIEVE AN ARRANGEMENT LETTER, IF NOT, IF YOU GIVE THEM YOUR INFO, BUT YOU DON'T HAVE THE MONEY IN THE BANK AT THE TIME YOU THOUGHT YOU WOULD, THE WILL RUN THE PAYMENT ANY WAY NOING IT IS GOING TO BOUNCE, IF IT DO NOT CLEAR, THEY WILL RUN IT UNTIL IT DOES, EVEN WHEN YOU FOR GET ABOUT IT. I KNOW THIS FOR A FACT BECAUSE I SEEN IT HAPPEN. ANOTHER THING I WANT TO ADVISE ALL DEBTORS, BY NO MEANS AM I TELLING YOU NOT TO PAY YOUR DEBT, BUT DEBTORS HAVE RIGHTS. FIRST OF ALL GO ON LINE AND CHECK THE FDCPA ( FAIR DEBT COOLECTIONS PRACTICE ACT). IF COLLECTION AGENCY DO NOT APPLY THEMSELVES TO THE FDCPA THEY CAN BE FINED AND SUED. PER FDCPA LAWS, WHEN A COLLECTI9ON AGENCY CALLS THEY ARE REQUIRED TO ADVISE YOU OF THE MINI MARANDA, NELSON HIRSH, NEVER DO, GET YOU AN ATTORNEY, I'M SURE HE WILL TELL YOU THAT THIS IS TRUE. THE MINI MARANDA QUOTES, THE FEDERAL LAW REQUIRES ME TO ADVISE YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ALSO ACCORDING TO THE FDCPA# 805, YOU CAN FAX OR MAIL COLLECTION AGENCY A LETTER TO CEASE ALL COMMUNICATIONS. ONCE THEY RECIEVE THAT LETTER THEY MAY CONTACT YOU ONE LAST TIME TO INFORM YOU THAT ALL COMMUNICATION WILL CEASE. ASK AN ATTORNEY ABOUT THE VIOLATIONS OF FDCPA. I AM NOT TRYING TO HELP YOU GET OVER ON ANYONE, I JUST WANT YOU TO KNOW YOUR RIGHTS, SO GO ONLINE AND READ AND LEARN THE FDPCA AS WELL AS THE STATE LAWS. THERE IS A LOT OF INFORMATION TO BE HEARD. PS NELSON HIRSH AND ASSOCIATES DO NOT HAVE A LEGAL DEPARTMENT OR A FRAUD DIVISION, IT'S JUST A SCRIPT USED AS A SCARE4 TACTIC, PLEASE PAY YOU DEBTS BUT DON'T GO HUNGRY TRYING TO PAY THEM, YOU CAN SET UP ARRANGEMENTS AS LOW AS $50.00 A MONTH.

YOUR FRIEND, WHISTLE BLOWER


lrhall41

Submitted by on Thu, 06/11/2009 - 10:40

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and told them that they were trying to reach me about a "fraud case" and to have either me or my attorney contact them regarding "case CA 716---". When i called them, they told me i owed for a no-fax-payday-loan - from 2004....bottom-line: the attorney general's office of CA told me that it is NOT legal to contact a third-party...the "Law Firm" is Nelson Hirsch and Associates" in Tyrone, Georgia.


lrhall41

Submitted by on Tue, 06/30/2009 - 14:20

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I too am getting calls from this same company saying I owe $130 on a Pay Day loan from 2005. They called my elderly parents in Michigan and told them that my husband and I are seperating and that I am going to be put in jail, leaving my son without his mother. I called "Agent Flint" back and told her I do not remember owing any money on a Pay Day Loan from 2005. I told her she needs to send me proof by US Mail. She then tells me she is recording me. I told her she could not record me unless she informs me first. She said too bad and I hung up the phone. Now an Agent Weaver is calling me leaving me messages. I sell PrePaid Legal Services for a living, I guess I need to sick them on this agency.


lrhall41

Submitted by on Tue, 07/21/2009 - 13:00

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I am the individual that wrote the paragraph above. I received another call from Agent Weaver regarding a Pay Day Loan in 2005. also my elderly parents got another threatening call. I called my PrePaid Legal Attorney and he helped me get the correct address so he can send a letter to stop this harrassment. The FTC and the Better Business Bureau have the following address: Nelson Hirsch & Associates, 1510 Highway 74 N, Suite 219, Tyrone, GA 30290-1663

Fortunately I also sell PPL so its easier to handle these kind of nuisances when they occur to me and my family. If you don't know your legal rights you don't have any.

Independent Associate
Rachel


lrhall41

Submitted by on Tue, 07/21/2009 - 15:30

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Nelson , hirsh and associates called my husband, and also told him that he owed on a payday loan. I researched this and it is a total fraud. She said the same thing to him about it being time for her to go home and him needing to contact an attorney. dont answer any questions this is a total scam


lrhall41

Submitted by on Tue, 08/11/2009 - 18:07

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I received a call from Joe Tidwell at my work. I haven't spoken with him, but I have to admit that he spoke clearly and professionally. I thought it was strange that he stated that he wanted to clarify whether I had a valid debt or if it was fraud. I mean...shouldn't he/they know? I'm actually thinking about calling to find out what is going on, but I know I'll have to go through the schpiel about how it's a payday loan, and they probably won't have any statements to back it up, etc.


lrhall41

Submitted by on Thu, 08/13/2009 - 16:05

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I have received a threatening phone call from them pay or else for a payday loang me taken out in 2005. I SIMPLY LOST TRACK OF. they are scaring me I dont want to go to jail.. please give me some helpful info.


lrhall41

Submitted by on Sun, 08/23/2009 - 18:43

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says I made a loan back in 2004 for 420.00 and they want 840.00,claiming I committed fraud.
reading the other posts I want to know what is an illegal loan?and a dv letter?
I may have made the loan and told them I would be happy to make an arrangement for the original 420.00,like I could pay in installments,she got real nasty and said no to that.said they have verified my info and are pursueing action against me.it's the same stuff they're others on here and the loan company is nofaxpaydayloan.she said they were an attorney's office,phone number 678-593-2340 ms.robinson.
what should I do?


lrhall41

Submitted by on Wed, 09/09/2009 - 09:56

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Quote:

Originally Posted by Anonymous
says I made a loan back in 2004 for 420.00 and they want 840.00,claiming I committed fraud.
reading the other posts I want to know what is an illegal loan?and a dv letter?
I may have made the loan and told them I would be happy to make an arrangement for the original 420.00,like I could pay in installments,she got real nasty and said no to that.said they have verified my info and are pursueing action against me.it's the same stuff they're others on here and the loan company is nofaxpaydayloan.she said they were an attorney's office,phone number 678-593-2340 ms.robinson.
what should I do?


I wrote above post,wanted to say I am in Louisiana...............thanks


lrhall41

Submitted by on Wed, 09/09/2009 - 10:45

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did this person give you a name of the law office?i see it is the rent-a-lawyer known as nelson hirsch & associates.they are not lawyers.you should get a DV letter out asap.send it certified mail return receipt.chances are you overpaid as nofaxpaydayloan is an illegal internet pdl.get the letter out,and know this supposed law office can do nothing.except call and stupidly threaten.


lrhall41

Submitted by paulmergel on Wed, 09/09/2009 - 10:46

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:confused:
Whistle Blower,
I did pull out a payday loan back in 2005 and had a hard time paying it back. I got a call from Nataly Shapiro and she did scare me telling me that i had done ck fraud and that i needed to pay this debt. I told her i could only pay $ 50.00 a month and she put me hold to speak to some guy. When she answered the phone she said NO that what they could do is split the amount in 2 pmts. So i agreed thinking i was going to be put in jail if I didnt pay. I gave her my debit card info and first payment was scheduled for 9/15/09 but of course i didnt have money in my account so it didnt post. Today 9/30/09 the pmt is memo posted but on hold for 6 days. This people dont understand that we have to cover our utility bills first. I need to pay my light bill so im going to find a way to return it and cancel my debit card.


lrhall41

Submitted by on Thu, 10/01/2009 - 07:14

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I also received a phone call at work from a lady and she was very rude she told me I got a payday loan and I owed them 271.00 back in 2005 and they wanted to press charges against me for check fraud but why 4 years later? The bank account they quoted to me I had that account 4 years ago and it was closed and had my money transferred to another account due to the bank stealing money and I left the bank in good standing so if I closed the account before paying the payday loan I wouldnt have been able to close the account but I am going to get with the bank and see what is going on. I work at a prison I cannot go to jail behind something I dont recall and if was taken from my account it was paid. Please help these people keep calling my house and job harassing me.


lrhall41

Submitted by on Tue, 10/13/2009 - 14:18

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I got a call from this number today telling me that they were a fraud office or something along those lines. They told me that they were contacting me on behalf of an old payday loan that I had taken quite a few years ago. They were able to tell me the bank that I used and that I had closed the account in midst of the loan. Should I worry about this? They worked with me to bring payments down to 4ths but if this is a fraudulent business I don't want to get scammed only to find myself having to pay for the original loan


lrhall41

Submitted by on Wed, 11/04/2009 - 13:02

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whoever this is they are a scam.there is no fraud dept.except when they want to threaten you.i would tell them to send something in writing before you agree to anything.they are lying to you.debts are civil matters.fraud is a criminal matter.i would bet that the loan was internet,and most likely illegal.do not give them a thing.


lrhall41

Submitted by paulmergel on Wed, 11/04/2009 - 13:21

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I started getting calls from these people - Nelson, Hirsch and Associates. They are located in Jonesboro, Georgia but I need an address for them. They call with threatening messages - work, home, doesn't matter - and when I ask for validation no response. I want to send them a certified letter. I was a victim of identity theft. They refuse to validate in written format but the messages become more and more threatening. I saved two of them and forwarded to our local law enforcement officials. Does anyone have an address for them?


lrhall41

Submitted by on Tue, 11/10/2009 - 08:03

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I began receiving calls from these crooks, around Sept 2008, about a pay day loan that i allegedly took out in 2005 for $500.00, and they want me to pay them $1200, i have asked them repeatly to send validation of the debt, but all they want to do is threaten, to take to court, for bank/check fraud. THIS COMPANY IS NOT ACCREDITED WITH THE BBB. THAT SHOULD TELL YOU SOMETHING.


lrhall41

Submitted by on Sun, 11/15/2009 - 06:56

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Yeah this xxxxxxx, Joe Tidwell keeps calling me at work saying I owe $250 for a online payday loan form 2006. I already paid for that in 06, and have heard NOTHING from them until now Nov. 2009!!! They said they have sent me letters and that they are going to sue me. Sue me over $250 give me a break. He keeps calling my work it's crazy!!!!!!!!

Offensive language removed by Shazzers per the TOS.


lrhall41

Submitted by on Mon, 12/21/2009 - 14:07

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someone call my daugther from this company,i dont know whom they are.i wish their stop calling my number


lrhall41

Submitted by on Tue, 12/29/2009 - 15:03

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Okay first off this is my OPINION - NOT ANY LEGAL ADVICE..
I have an ID theft problem and I am also getting calls from these people.
One I checked with my state laws and it was about recording calls. One party knows it is being recorded is legal here.
They made all the threats and crap similar to what is posted here.
Here's what I did.
First I asked is this call being recorded - Yes I was told; good I told them as I am recording this call also. They got really upset and demanded I stop, I told them NO!
Then I was told the call will be ended; I said good, but record this..
You have been given legal notice NOT TO CONTACT ME IN ANYWAY. You violate this legal notice YOU ARE SUBJECT TO A $500.00 FINE FOR EACH TIME YOU VIOLATE THIS NOTICE. They hung up on me.
They called again and I started the recorder. I didn't tell them about the previously recorded notice YET.
They went on about all kninds of dire legal threats yada yada yada.
I asked them to send me ALL DOCUMENTS to INCLUDE THE CONTRACT WITH MY SIGNATURE.. A letter stating I owe a debt is not good enough. They told me I will be prosecuted for bad check??
A little info people and CHECK YOUR STATE LAWS ABOUT WHAT I AM SUGGESTING. A payday loan you write a blank Check? Right? Then they sya they are going to cash it on a certain day? Right.
Well in my state they took a check WHEN THEY KNEW IT WAS NO GOOD.... This makes it a strictly civil matter NO CRIMINAL since they already knew the check was no good when they loaned you the money.
Now back to what was going on with these people. I told them their threats are illegal and they can and will face criminal and civil charges. They then tried the shout me down - remember this is all recorded... I NEVER RAISED MY VOICE ONCE...
I asked them are you done screaming yet? I swear you could hear them dropping back down in their chair and the call center noises in the background was totally quiet??
I then told them THEY ARE REQUIRED BY LAW TO PROVIDE PROOF OF THEIR CLAIMS - true and correct copies of any al ALL DOCUMENTS INCLUDING CONTRACTS...
I was then asked where do they send mail to - I told them send it to what ever address they have. I was told to "confirm" my address, I told them no you should already have it.
I then told them they Have violated the previous notice of NO CONTACT and the conversation will be forwarded to the Federal Agency that handles this..
They again hung up on me.
They still keep calling - about 15 times so far and documented, WOW at $500.00 a pop also.
The bottom to all this is I am a victim of ID theft and this is one of them - former room mate.
Also check you state laws, but most times any civil case against the person you, usually has to be filed where they live..


lrhall41

Submitted by on Fri, 05/21/2010 - 15:16

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[QUOTE=Anonymous;424446]When speaking of payday loans this is what I know:
Payday loans can provide quick emergency cash for people who don't have access to credit cards. But, they come with high interest rates. If you take out a loan for a couple of weeks so that you can fix your radiator and pay the loan back when your next paycheck comes in, you're okay. You will pay a high interest rate for a couple of week's worth of money, but in an emergency situation like this, payday loans can be a godsend.
But, what happens if you don't pay a payday loan? What happens if you just skip out?
The first thing that will happen is that the interest will continue to pile up on your debt. That means that a $400 loan can quickly become a $1600 obligation.
If you don't pay up, the lender can go to court and get a Judgment against you. When they do this, they can also collect attorney's and court fees against you. So, that $1600 becomes $3500.
Then, they can get a lien on your property. They can seize your checking accounts, real estate, or personal property to satisfy the Judgment.
What happens if you don't pay a payday loan? Well, if you took out a loan to fix your radiator, you could end up losing the car entirely if you don't make good on the debt.
Additionally, you should know that in some jurisdictions, you can be arrested for not paying back a payday loan. You could never be arrested for failing to pay off a credit card, so why does defaulting on a payday loan land you in jail?
The simple answer to this is that to secure a payday loan, you wrote a post dated check. In some places, you can be arrested for writing a bad check. It is very important to check the fine print on the contract you sign when securing the loan.
So, are payday loans ever a good idea? If you understand that they are very high interest loans and that they must be repaid on time, they can give you a lifeline in a true emergency. If you don't have any credit, your family and friends are unable to give you a loan, and you need the money in a hurry, these cash advances can save the day.
Just be aware of what happens if you don't pay a payday loan.[samebox:7abf4a6a31="paulmergel"]that is the biggest bunch of hogwash.how does an illegal pdl know how you spent the money.your analogies are as bad as your grasp of the legal.BUH-BYE humanoid.[/samebox:7abf4a6a31][/QUOTE]
The check is not legal tender in most states. They can not get you for a bad check


lrhall41

Submitted by on Mon, 05/31/2010 - 03:39

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Quote:

Originally Posted by Anonymous
I am the individual that wrote the paragraph above. I received another call from Agent Weaver regarding a Pay Day Loan in 2005. also my elderly parents got another threatening call. I called my PrePaid Legal Attorney and he helped me get the correct address so he can send a letter to stop this harrassment. The FTC and the Better Business Bureau have the following address: Nelson Hirsch & Associates, 1510 Highway 74 N, Suite 219, Tyrone, GA 30290-1663
Fortunately I also sell PPL so its easier to handle these kind of nuisances when they occur to me and my family. If you don't know your legal rights you don't have any.
Independent Associate
Rachel

That address is a pak and ship. complain to the Georgia Corporation Commision and ask for a legeitimate address


lrhall41

Submitted by on Mon, 05/31/2010 - 03:43

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[QUOTE=Anonymous;425086]Seems to me like you people know you took out these payday
loans ,how ever long ago, with no intentions of paying them back and now that it's catching up to you your trying to find an excuse not to pay it back. That is pathetic!!!! And when you think about it you really STOLE these people money and you should be prosecuted. I hope they do file a suit against you for THEFT!!!![samebox:eeac2356ec="paulmergel"]an illgal pdl won't do a thing.by the way debiting someone's account on any other day than the one agreed is fraud on the lender,and negates the supposed contract.how about that humanoid?[/samebox:eeac2356ec][/QUOTE]

You are so off base, its ridulous. I hope one day, something like this happens to you and you are screwed


lrhall41

Submitted by on Tue, 07/27/2010 - 07:46

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I received a call from nelson hirsch and associates from a mr broughton who told me that i owed on a payday loan this guy sounded like some crack head from the hood after telling mr broughton that i wanted a validation of debt he told me that the sheriff was comming to aresst me and a warrant was already issued for my arrest i called back and asked to speak to his supervisor i then spoke with a ms robinson after asking her several times for her first name she refused to give it to me but my attorney later found out that her name is Pamela Faye Robinson who works for nelson hirsch and associates and she also has a criminal record with cobb county where she resides my alledged debt is for 520.00 and they are going to issue a warrant for me. Well as it turns out ms robinson was charged with #1 THEFT BY CONVERSION. #2 THEFT BY DECEPTION #3 REVOCATION PROB this is her case # 00904052 - 28 look it up people she was court orded to pay back restitution to the tune of $17,708.41 google cobb county superior court and search her name pamela robinson now who is the criminal now my attorney is filing suit with the state attorney general as well as with fulton county I have a right to have my social security number and personal information protected from known criminals who have already been convicted of financial crimes. look for pamela faye robinson in cobb county and she is the operation manger at nelson hirsch and assoc my attorney also contacted ez corp as it turns out i only owe 260.00 which the creditor offered close my account as soon as my attorney faxed them a copy of ms robinson's criminal history report and advised them that we would be suing them for releaseng my information to a criminal by the way they can not issue a warrant for anyones arrest.


lrhall41

Submitted by on Tue, 01/25/2011 - 03:55

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