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Please help!!!

Date: Tue, 01/05/2010 - 10:34

Submitted by anonymous
on Tue, 01/05/2010 - 10:34

Posts: 202330 Credits: [Donate]

Total Replies: 14


Now they are calling my job I tell them I cant have calls at work, They are asking me how I would like for them to come to my work!!
Also I mailed out my letters today, certified return reciept, I told one payday Loan place this ,He started yelling at me telling me the least amount he would accept started telling me how sad a person I am
I cant take tis


ARIZONA
ALL STORE FRONT
BANK ACCOUNT CLOSED

Allied 300.00
cashsmart 500.00
advanced 350.00
fast loans 300.00
moneymart 400.00
checkmate 400.00
check into cash 250.00
check center 400.00
speedy cash 300.00
checkmate 300.00
payday loan 400.00

[RIGHT][URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=513678"][/URL] [URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=513678"][/URL] [/RIGHT]


lrhall41

Submitted by on Tue, 01/05/2010 - 10:46

( Posts: | Credits: )


hang tight, i really do not know the laws on storefronts but someone can and will help you here. next time they call, tell them it is not you and take a message.. this will give you extra time as needed. this is crazy, do not be scared.. they cannot do anything legally to you. if they are a legal lender the worst they can do is take you to court. have you talked to corporate about this? tell them you will lose your job and will not be able to pay anything if they keep calling.


lrhall41

Submitted by bea2ls on Tue, 01/05/2010 - 11:11

( Posts: 3840 | Credits: )


It will take a lot of work to find the state laws! In Florida the laws for original creditors are almost identical to the FDCPA. It may be the same in Arizona. I did find this which applies to tacking on charges and is worth reading. Arizona Statute! This law includes all lenders that are collecting debts from what I read!

[LEFT]32-1051. Duties of licensees[/LEFT]


[LEFT]An individual, firm, partnership, association or corporation to whom a license is to be issued under this chapter shall:
1. Meet the financial responsibility and bonding requirements of this chapter.
2. Not have been a former licensee under the provisions of this chapter whose license was suspended or revoked and not subsequently reinstated.
3. Deal openly, fairly and honestly in the conduct of the collection agency business.
4. Except for attorneys licensed to practice law, not attempt to collect any collection fee, attorney's fee, court cost or expenses unless the fees, charges or expenses are justly due from and legally chargeable against the debtor, or have been judicially determined, nor shall any licensee engage in any unfair or misleading practices or resort to any oppressive, vindictive or illegal means or methods of collection.
5. Except for attorneys licensed to practice law, not give or send to any debtor, or cause to be given or sent to any debtor, any notice, letter, message or form which:
(a) Simulates any legal process.
(b) Is ambiguous as to or misrepresents the character, extent or amount of the obligation of the debtor.
(c) Represents or infers that the existing obligation of the debtor may be increased by the addition of attorneys' fees, investigation fees, service fees, or any other fees or charges when in fact these fees or charges may not legally be added to the existing obligation of the debtor.
(d) Threatens to sell the obligation of the debtor to any person, firm or group.
(e) Uses or sets forth the name of or purports to be from any attorney at law or legal firm.
6. Except for attorneys licensed to practice law, not use any letterhead, or literature bearing any heading, slogan or statement representing or inferring that the licensee practices law, renders legal services or advice, or maintains a legal department.
7. Not by the use of any letterhead, advertisement, agreement, form, circular or other printed matter, or otherwise, convey the impression that the individual, firm, partnership, association or corporation is vouched for or is an instrumentality of the state, a political subdivision of the state, or the department. [/LEFT]


lrhall41

Submitted by Frogpatch on Tue, 01/05/2010 - 11:31

( Posts: 5381 | Credits: )