Oh yea, she asked me if I was relenquishing my rights and I said she wasn't giving me any choice. She asked what I could do right now and I said well I have $50.00 in my purse. She stated that was not her problem and hung up on me. Very very hateful woman.

Hi there, this is a store front lender correct? Did you sign a contract which gives them ACH rights? Below are your payday loan laws, I will get back with you shortly with more info:
http://www.paydayloaninfo.org/stateinfo/TX.asp

OK, I have been reading more and more where Ace Cash Express is getting nastier and nastier (most payday lender employees are), anyway, they need to be reported immediately to the corporate office, they made misleading statement to you "case file" which would lead the customer to believe there is a court case already filed against them, clearly against the law unless they can produce the documentation backing up their threat. I would make sure once you contact the corporate office that you are filing a complaint against them for making misleading statements, with the FTC (link in my signature), also file with the BBB and your Attorney General's office, and PLEASE follow through with the complaints, it is very important!! You can file an online complaint with your attorney general's office at the link below:
http://www.oag.state.tx.us/consumer/complain.shtmlr
You can contact Ace Cash Express corporate office at (972) 550-5000.
File a complaint with the BBB:
https://odr.bbb.org/odrweb/public/getstarted.aspx?siteID=40

Make sure you detail your complaint, provide addresses of the office who made the threat, the name of the employee (if you got it), phone numbers of the corporate and local office, the amount you borrowed, the fact that they stated there was a "case file" against you which led you to believe there was an actual court case filed against you, let them know that you were given misleading information about the "case file". Just make your complaint very informative! Include the date and time they called, the number where you received the call, etc. The more information you provide when you file a complaint, the better the chances of it being investigated. Incomplete complaints are usually 'filed' for later consideration, complaints which are clear and concise with complete information are more apt to receive action. Just keep that in mind! Good luck!

Shazzer!!!!! I have a question. I currently have 1500 dollars in unpaid payday debt from Advance America and Easy Money. My account is currently closed, but should I be worried about getting sued? Both companies have been calling 3 or 4 times a day and I have been trying to avoid them as much as possible. What can I do on my end to stop the calls? I know the obvious answer is "pay your debts", but i really cannot do that right now. I am so stressed right now. Can anyone help?

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By the way, I am moving this to the payday loan help forum.