Payday Loan Help

Call back and get there address and send them a debt validation letter! Do not worry about them getting a subpoena for email records! They wouldn't know how! She is trying to scare you! In the letter put a cease and desist paragraph also! You probably will never hear from them again! If you do they will have no case! Chances are the loans were illegal also!

Also she tried to tell me that my employer will have to pay the $1367, which i knew sounded wrong to me, but she said for allowing me to use my work computer to get a PDL. Now i know they can't do that but she had the names of some people that work for my employer and they were people who were high up on the ladder.

What state are you in?
Names of the pdl's?
Internet or store front?

This company operates under several business names, and uses 877-333-0713 as the main phone #. Oasis Financial Solutions, LLC seems to be the main one, and they told me they were Joseph & Associates. The same person will call your primary phone saying they are one person, then immediately call your secondary phone saying they are different person. I had a chapter 7 bankruptcy recently be discharged (June 8th), and have been called by a collector for a PDL that's close to it's SOL. This loan escaped my notice when I gathered all my debts together, unfortunately.

The collector who called my company a little bit ago was immediately threatening, saying "Tell (my name) to call me back within the hour, or she'll be in big trouble".

Wow, talk about illegal collection practices!

Jeffrey...I could have written your post word for word. The same woman called me today. She spouted off the names of the higher ups in my company as well. I don't know what to do! I've never been intimidated by these people before, but she scared me. So much so, that I am ready to give her my bank info tomorrow to pay them off. I do not need or want her to send anything to my hr dept or the president of the company. She told me that she was giving me until tomorrow morning becuase she liked me. I know that what she is saying isn't true, because at first she said that my social was mixed up with another persons. I just don't want her faxing anything to the company I work for.

The loan was thru Cash now, I think she said. I'm in Maryland.

What should I do? :(

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Hi. Thanks for that. I do know that they are illegal. However, how can I stop them from faxing anything over to the hr dept or the officers of the company I work for. She said that they would sue the company I work for because I used my work computer to obtain the payday loan. I know what she is saying is untrue, but what's stopping her from faxing anything over?

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If you're in Maryland, contact the MD Dept. of Financial Regulation in Baltimore (contact info listed on this site); they might be able to give you some advice. As far as them suiing the company you work for, I don't think I'd worry too much about that, seeing as THEY are illegal. If you DO contact the MD Dept. of Financial Regulation, it might help if you tell your human resources dept. that you're working with the State of MD in resolving this problem if by chance the company does try faxing something to your place of employment.

Hello. Thanks for the info. I did contact the Dept of Financial Regulation. Joseph and Associates also operate under Atlas Mediation. They put thru a check on my bank account before I had a chance to put the money in there.

A very nice woman at the Dept of Fina Regulation is helping me. She called this woman herself and explained the laws of MD and is sending out a letter. She is sending all of this information to an investigator. I will update more when I hear from her.

Thanks for all of your help!