Internet PDL help. So confused

Sure Advance and Alliance Asset ugh.

Anyway, doesn't look like they are legal. SOmeone here will know for sure.
Make sure that Alliance Asset mails you a Dunning Letter. They have 5 days from the first phone contact with you. When you get that dunning letter, fire off a debt validation letter back certified mailed receipt ( you have 30 days after the dunning letter). Make them prove to you that the debt you allegedly have is legal. (I bet Alliance is cussing me at this moment....they got their DV hehe).

They aren't licensed to lend, but you are dealing with a collection agency now, so your next step is to tell them to send you a dunning letter via the mail within 5 days after they have contacted you, per the federal law (FDCPA).
NEVER admit to owing a debt over the phone, NEVER.

Thank you so much for the info to everyone that has answered

So I called them back asked them to send me a validation letter. "Laura" was super nasty. Saying "don't play games with me you owe this". I just kept saying send me a letter please so I can verify this information. The connected me to "Dan". I started my convo with Dan by saying if you speak to me rudely or yell I am hanging up. He was nice said he would send out letter and for me to call him when I get them. I borrowed 400 from Sure Advance and 400 from Cash Direct Express which I find out are sister companies and they are saying I owe them now over $1200!! I didn't admit to owing anything.
What's my next step?? I hate to be harassed and don't like to get frazzled when talking.

Alliance Asset is a bottomfeeder. They like to play 'good cop/bad cop" . I am dealing with them also.
Dan was actually nice? wow he was rude to me.
You see, Alliance says I owe for Sure Advance and Cashdirect Express/GECC. Never had a loan with CashDirect. Do you see the pattern?
Bottomfeeders I tell you. They did send me a Dunning letter...I was suprised they even did.
What you do next is write down the date and time each and every time they call you.
They called me a total of 6 times in one day. They also call my work. I think I have some violations against them.
Don't give in to them.

Does anyone know if I will be responsible to pay the principle then since I paid so much in fees? Also since they are not legal to lend to my state?

I would deduct the fees you already paid.

Quote:

Shazzers:
Thank you so much for your help. I found some sample letter on this site and will probably copy one of them. I recently sent Sure Advance and Cash Direct an email stating I would like proof of their licenses to lend in NV as well as their license in Delaware. I normally get a response very promptly from them but still haven't heard back from them. I also stated that I consider these loans paid in full ....so I will see what they say. I will most likely be back here to ask for assistance in my Validation letter. Of course I want to make sure it sounds right and is saying the proper things. Again thank you so much for your help this has been a nightmare and I'm so embarrassed it has come to this.

You are quite welcome, please keep us posted. :)

So my last communication with Sure Advance and Direct Cash Express was my email to them stating that I would like proof of their license in Delaware and their license to lend in the state of NV. I stated that with the total amount in fees that I paid, that I am considering this PIF. Normally I hear back from them in about an hour and it has been well over 24 hrs. Should I resend the email? Also, the calls from ALLIANCE Asset stopped?

Shazzers
Thank you for all the great info and sample letters. I submitted the letter to both Sure Advance and Direct Cash Express asking to proof of license and they both responded with PAID IN FULL! And sending me a refund for the amount I paid in fees!! I am finally free and will NEVER get myself in this mess again. Thank you