going nuts in ohio over pdl

they just called my grandma asking for her routing number for thebank tellingher i would have charges file against me next week if she did not help i told her not to is thank the right thing to do they are calling her on monday for what they said is a last chance . charges of writing a bad check a fraud because i did not tell them in time i got fired. help todd

Have these loans been turned over to a collection agency?

its todd as of friday they said it would go to the leagel dept,to pursue charges against me and that since i did not tell them i did not get fired only reduced my pay at the time that i committed check fraud , since than he did fire us and i am unemployed. they told me it was going to a law firm

They are just trying to scare you. If the police told you that you couldn't be arrested, why wont you just relax and believe them. It is really low of them to call your grandmother. I would close the bank account and not answer the phone. One your checks start coming in try to pay them anything until you get it paid off. Until then, just worry about your daughter and putting food on the table. People do not lose their children because they defaulted on a "probably illegal" payday loan. I think people should pay what they owe though because otherwise it is stealing.

~pam~

thanks pam i plan on paying them back when i get a job i will pay them what i can, i am just scared to death, when they said that i broke the law that scares me i am a good guy in over my head. they said i am in the leagel dept and my case is being filed these are ohio store fronts so they are leagel, thanks for your help i am on the verge of losing my mind. todd

what do you think shazzers thanks for your reply

The worst that can happen is; it will probably be turned over to a collection agency, you will receive a dunning letter (if they follow the federal law) stating who the debt is for and what the amount is, at which time you can request validation. They may or may not sue you in a court of law, if they do, you can explain and prove you are unemployed, the judge will probably order the collection agency to set up a payment plan.

Criminal Action is prohibited in the state of Ohio for defaulting on a non-depository loan.

thanks i am going nuts it is my fault my bank account is-500 should i keep it open or close it, what about the calls should i call them back or ignore them thanks

The less contact you have with them, the better off you will be. All they will do is harass and threaten you. CLICK HERE to find out how to deal with illegal lenders.

thank you is it ok i keep you updated

Please do keep us updated, I hope everything works out in your favor. :)

Thanks I just am a person who wants to do the right thing but do not have money also you said the worst thing to happen would be they sue me. If that happens can they garnish unemployment. Also should I keep my bank account open or close. Would that be fraud on my part if I closed it. Thanks you eased my mind about not going to jail for my pdls. Todd

They can garnish your wages if you don't show up in court, then they would get a default judgment against you which would open the door for them to garnish your wages, this is why it's VERY important you GO TO COURT if the time comes. That's the only way you can speak up for yourself is by showing up in court! You also have more rights than you probably realize. IF these accounts do go to a collection agency, they (the collection agency) are bound by federal law to follow the FDCPA (Fair Debt Collection Practice Act), it would be in your best interest to educate yourself on your rights, just google it or research it on this site. Nevertheless, it would probably be awhile before it would go into a court of law because there is a protocol they would need to follow first.

Since these are all store front lenders, did you write a pre-dated check to each of them as collateral for the loans?

Not sure what's happening to the forum but it's becoming very slow, if I disappear, it must be because of my Internet service or the forum! :)

OK, I re-read your first post. What was this attorney's office called? Their name? Have you ever received any documentation via the mail regarding ANY of these loans? Such as a statement with the amount of the debt on it and who the original creditor is? If so, was there something on any of these statements which said "This is a bill from a debt collector, this is an attempt to collect a debt, blah blah blah????

You know, the more I think about this the more I am realizing that this so-called attorneys office broke the law by calling you and making threats they can't follow through with. You really need to report this to your Attorney General's office, you can fill out a complaint online, but you need to report the name, address and phone number of the people who called you and made such a threat. You need to be very specific about the details of this phone call. You should also file complaints with the Federal Trade Commission. All you need to do is click on the links in my signature, it's very easy to file complaints and it would be in your best interest to do so.

T hanks for all of your feed back this is a cival matter again right. Just want to make sure I did not comit check fraud. You have been a big help thank you for all of your support

that's right it is a civil matter.alot of illegal pdl's will use that threat.even some legal ones,but you didn't commit check fraud.

thanks shazzers i am just scared with all of the pdls i am just going nuts thanks for letting me know that this is a cival matter. i just do not have it to give.

thanks paul i am just scared

my pleasure,and i know.we all were scared when we first came here.alot of the threats seem real.

I'm sorry that you have to live in fear, it's a shame that there isn't SOMEthing we as individuals can't do to put a stop to this type of treatment altogether. The best we can do for ourselves is to educate ourself on our rights as consumers and debtors, because let's face it, this country (and government) is WAY over our heads in debt, which is one of the main reasons why the banks, credit card companies, stock market and everything else has went to the dogs.

i know but i know i have to pay them back but to say i comitted check fraud for not telling them i did not get fired is vway out of bounds so you think there next move is to send me a letter from the attorneys office what should i expect next

don't know,but that could happen.if it does fire off a DV letter.even an attorney has to uphold the FDCPA.reaaly though who knows what places like these will try.do keep us informed though.

thanks paul but for sure i can rest easy it is cival not criminal right , i know i have to take care of this but i know on tue i am going to get really bad phone call that i wrote a bad check, and will have fraud charges against me. soory to be a whimp but i am a single parent who does not want a problem like this. thanks paul for all of your thoughts i relly appriate them.. todd

just know it's all hot air.anyplace that threatens or intimates criminal action can't do it.just know we are all here for you if you need us.

thanks they are saying because i told them that i lost my job , but they only cut my pay, and i did not update them on that is that i fraud them i did lose my job in the end, they are coming after me for misleading them i did not i got fired, on july15th told them that the next day boss cuts my pay instead i forgot to call them 2 weeks ago helet me go . they are saying i lied i am unemployed i even called our local police they said i did noything wrong what do you think. thanks for your support i would go nuts without you guys, sorry i am a loser and got in over my head. had to feed my daughter. thanks todd

You're not a loser and I can see no reason why it would be considered fraud.

thanks going to try to get some sleep. heck with them i have done nothing wrong but not having enough money and losing my job. thank you i will let you know what they do