Payday Loan Harrassing Phone Calls
Date: Thu, 12/30/2010 - 19:44
Personal info removed for your safety - Jason
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As you haven't received the summons, there is no proof that they
As you haven't received the summons, there is no proof that they have send you the same. You did the right thing by asking him to fax you the proof in writing. You should also check out whether or not payday loan companies are legal in your state from the given page:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
If they are not legal, then you ONLY need to pay the principal amount to them. They cannot charge you any extra fees.
Owing a debt is a civil matter, not a criminal one.
Owing a debt is a civil matter, not a criminal one.
Hello. Thank you both for your responses. Now I know that they c
Hello. Thank you both for your responses. Now I know that they cannot do anything criminally to me they are just using scare tactics. How do I get them to stop calling? What can I say to them to end this harrassment? I appreciate your help. Thank you and have a great day!
Just ignore them. Don't answer the phone or change your number.
Just ignore them. Don't answer the phone or change your number. There's not much you can do to get them to stop calling
Unfortunately the calls come and go. Sometimes I go through a pe
Unfortunately the calls come and go. Sometimes I go through a period of time where nobody calls for weeks, and then BAM... it's as if another collection agency has taken over and another round of calls start. I have been defaulted in several PDL's for over a year and I have not been arrested or taken to court. Try to work out a reasonable payment to settle your loan. Find out the laws in your state.
Definately find out the PDL laws in your state, and then get pro
Definately find out the PDL laws in your state, and then get proof that this company is indeed unlicensed. If they are unlicensed to do business in your state, the chances of them taking you to court and then winning are virtually zero. If they are licensed, then these chances go up drastically and it is imperative that you work out a payment arrangement with them.
If the company is illegal, as stated previously in this thread, all you should pay back is what you borrowed, the loan principal. You are not on the hook for hundreds of dollars in interest fees, no matter what the company said. You said you gave them your prepaid visa number--is there any chance you can block the payments? Depending on what you owe on your loan principal, my worry is that they will continue to hit this card until their fees are also paid off.