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payday loan fraud

Date: Fri, 05/28/2010 - 07:10

Submitted by Wondering
on Fri, 05/28/2010 - 07:10

Posts: Credits: [Donate]

Total Replies: 2


I have been contacted by a 3rd party collection stating i owed money to The cash store. My boyfriend took this loan out in 2005 and one day i went to pay it for him. He later filled bankruptcy on them. Now 5 yrs later I am being called and stating I owe $1355 for breach of contract. However I was not working at the time and all the info they have listed on my "file" is all of my boyfriends info..His place of employment at the time, his refrences. I told them I was not working and didn't even meet the req to obtain a loan..I did my own research and called the Cash store afraid I may have been listed as a coapplicant but by their rules, since we were not married I coudn't have been co app..I was eventually lead to MLA Holdings after going thru Paragon Way..I have contacted a lawyer however since I cannot afford his price I am trying to do as much as possible on my own..Should I send certified letters to MLA requested copies of said papers I filed out and what info they have?


Send them a verification letter, to make sure they have the right to collect on the loan and why they think you're responsible.
This seems fishy to me, since if your boyfriend included the loan in his bankruptcy estate the debt should have been discharged (I'm assuming he filed under Chapter 7?).
Also, if you didn't co-sign regardless of marital status you are not responsible for his debt and making one payment for your boyfriend doesn't make you responsible.
A good place for some free legal advice from a lawyer from your state is www.lawguru.com.


lrhall41

Submitted by OVLG Attorney on Fri, 05/28/2010 - 13:21

( Posts: 511 | Credits: )