alpha processing says im going to jail- PLEASE HELP!

Is this a payday loan or some other type of debt?

this was a payday loan. i have 2 other payday loans out as well that i need to get cleared, but i just cant pay what they want right now

are there any debt consolidation companies that help you with payday loans? do you know?

Yes there are. You will need to register with the forum and then I can pm you the information. No, they won't send you to jail. It's just a threat.

well, apparently i'm already a member! i guess i joined this awhile back and forgot. yes, if you can, please send me any info you have! thanks so much for helping me! i was scared to death!

Threats of jail, court, and wage garnishment are common tricks that collectors try to use to get you to pay money in a panic. Take a deep breath. While they can, and might, take you to court, no one is going to show up at your door at 4:01 this afternoon to arrest you. If you make arrangements to pay them then they cannot take action against you as long as you are paying on time. Also, ask them to send you a debt validation so that you can see exactly what the additional $500 is for.

well, everytime i tried to ask a question this guy would interrupt me and say do i want them to take legal action. i could barely get a word in edgewise (spelling??). it was awful! i told him i was at work, could he please call my cell phone later today and i would be happy to talk with him them. he just got more rude. :/ it was terribly unprofessional, i could do nothing else but hang up on him. i thought i handled myself the best i could but i could not continue talking to him while i was at work. :/ thanks for the advice! both of you! :)it's literally making me feel sick!

When Anthony Galloway office of idiots called and threatened me with taking legal action, I told them to go ahead, everybody else is and he said the sheriffs office would be here at 4:00pm that afternoon. i said to him, good I need a vacation and by the way this conversation is being recorded and he called me every name in the book then hung up. I intern called the sheriffs deaprtment and requested a deputy to stop by and gave them the reason. The officer that responded took the tape recording and called them back and informed them that I was a true recording and charges would be filed against them. Haven't heard from them since. Wonder why? Could it be because they got caught? Yep I think thats a good answer.

fatgirl_ag05,

Collectors often use scaring tactics to squeeze money from debtors. This is not legally right. fdcpa does not allow them to do so. There is nothing to get scared I guess.

Consolidation could be a wise option for payday loans. It will relieve your troubles a lot. Your consolidator will handle collectors and creditors on your behalf and you need to pay one monthly installment for all your loans. Have a look-

http://forums.debtcc.com/forums/payday-settled.html

Wow! Good for you! Well, this was the first time it's happened to me. I have caller id on my work phone, I didn't think at the moment to write the # down, I thought I was in serious trouble! But yeah, other than having to speak to that guy again by dialing his extension, I have no clue how to tell anybody the whereabouts or phone # for this company.

I feel you on the getting sick feeling. I was that way last weekend over one of my debts. Rationally I knew that the guy couldn't do what he threatened (PA is a no-garnish state) but I couldn't stop being nervous about it. All I can suggest is breathe deep, and when you start feeling scared, try to get angry instead. Getting angry will give you the impetus you need to do something about your situation, while being scared will encourage you to do something rash to remove the threat.

I just pm'd you with the information for the debt consolidation company. Keep everything documented because you can file complaints againt them. I've done so with three of my payday loan companies and they've backed off. One attorney general's office sent me a reply today and said they couldn't help me but forwarded my complaint to the FTC.

Bowen,

I think it's very easy to get upset over debt, especially after such a nasty call. Even after learning my rights, I still get upset and think they can throw the book at me. I just have to remember to calm down and breathe.

Mom Of Twins,

That is too funny!! I'm glad you were able to do that. We don't need to be harassed.

msmishle30, exactly. We're hardwired to get frightened when something threatens us, so when we get a phone call with someone telling us that we're going to jail, or we're getting sued, or our wages will be garnished, or our car is being reposessed immediately, we panic. More than once I've been panicked into making a payment in an amount I couldn't afford because the caller threatened me and I backed down. Now I know to stand my ground, and make a payment I can afford. If only I had learned to do this years ago! I just did the math tonight, and if I'm very careful, I could be out of debt completely, including my car, by this time next year! Wooo!

hi guys!

well! i called t&c yesterday and wow am i impressed! i wouldnt normally tell anybody this, but i have about $6,000 in debt and theyre going to take care of EVERYTHING for only $172 a month! and they told me not to worry about that nasty call, it's nothing.

i feel soooo much better! im so glad i found this site yesterday, and thank you all for responding so quickly!

God bless! :)

That's great news, Bowen. I wish I would have found this forum myself a long time ago. I'm just glad I found it now. And we can't be afraid to stand our ground. I laughed at one of my payday loan lenders the other day when they threatened to sue me from Costa Rica. I told her to go ahead LOL!

Does anyone know how to get ahold of Alpha Processing? I have a loan through them as well, and I want to get rid of them!

msmishele30, I'm trying to convince one of my co-workers to check out this site, because she's in even worse shape than I am, but she's so far under she can't see what she should do to get out. She's considering another payday loan just to get by, but she's not even sure that the one she took out already will clear her bank. She's the one who introduced me to Payday loans and now I'm wishing she had kept that tidbit to herself! She's also the victim of identity theft and can't figure out what she should do about it, except keep paying the bills that aren't hers. Some of them are for utilities too!

Did she file a police report? If she did, she needs to notify the places she is paying that she doesn't owe and explain the situation and fax them the police report. Trust me, it is a long road to recovery when ID theft occurs.

She claims that the police won't talk to her until she can prove fraud, and she can't prove fraud because the companies just want her to pay.

What kind of fraud was it? If she is paying for things she didn't purchase, that is proof enough. She needs to pull a credit report and look it over real good and see if there are things on it that isn't hers. Did she give checking account info, ss# anything like that?

It's complicated, but apparently her son's girlfriend stole her SSN and other information and has been opening accounts, charging her phone, electric, heat, etc to my friend's name. My friend's bank account gets wiped out almost every payday from things that she didn't buy or use. I keep telling her to change her account number, but she spoke with a woman at the bank who said that as long as these people had her SSN they'd be able to debit any new account she got. She's also in collections for a bill her ex husband ran up on a joint credit card. He died, and she started getting collections calls. I'm worried for her because her financial stress is just killing her health.

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Once she has the police report she can go to the Social Security office and apply for a new ss#. If there is enough proof and she has a police report, they will change it. That is what they done with my husband after his identity was stolen and able to prove it.

This is what I keep telling her. She says she can't go to the police since she can't "prove" it's the sons girlfriend. I said it's not her job to prove who did it, that's the police's job. What I advised her to do was file a police report and contact an attorney. She has contacted her creditors, and their stance is "prove it's not your debt" I told her that filing a police report would go a long way toward proving the debt isn't hers. The problem is that she has little confidence in her ability to effect results in her financial life. She's being victimized and she's afraid to defend herself.

Anyway, I'll keep advising her to file with the police, change her accounts and send copies of the police report to the creditors.

Oh this is soooo wrong!!!! And she really needs to be strong and stand up for herself and decide that shes not going to take this anymore. This person is sucking the life right out of her. But until she does someting about it, this will be a no end cycle. How bad does it have to get before she decides that shes not going to take it anymore? She has to do something about it or shes allowing herself to be a victum. I am really concerned for her. shirley

Thanks Shirley, I'm concerned too. This is really the only area of her life where she lacks confidence. Otherwise she's confident, effective and strong. I think the collectors have her cowed. It's hard to be strong when they're threatening to have you arrested, or to sue you, or shut off your power. Her phone has been shut off because of all this, and her electric bill is astronomical.

I mean, this even has me wanting to come to PA and kick some butt!!!
She has to put her foot down and fast before this snowballs bigger than what it already has. Please talk to her and try to encourage her. SHe can do this!!! and its for her own good and for her own quality of life. please continue to post of this situation and keep us updated. shirley

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As long as she has a police report she can apply for a new ss#.

Bowen,

I hope your friend takes the suggestions given by the people in this forum. She doesn't need to cower over this, she needs to stand up for herself. Tell her you will go with her to the police station to file the report. I think once she does that, she will feel a lot better. It would be a step in the right direction. Also, I hope she comes to the forums. She will find much strength here.

Can someone please pm me the info on the T&C company?

Beatle,

Were you able to get the info on T & C? If not pm me and I will be happy to give the info to you.

The phone number for alpha processing is 877-289-4700