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Threats over the Phone...

Date: Tue, 07/19/2011 - 16:19

Submitted by anonymous
on Tue, 07/19/2011 - 16:19

Posts: 202330 Credits: [Donate]

Total Replies: 4


I recieved a disturbing phone call today from a something&associates, I do not recall the name off the top of my head, but they are doing the same thing I have seen written on here before, telling me that if I do not pay almost 900 dollars in 12 hours they will send me a subpeona and put out a warrant for my arrest in the county I live in. I am correct in saying that I will not go to jail over debt correct? Debt is civil not criminal? The first woman I talked to was very hostile with me saying that my situation warrants her to be rude to me. They are trying to get me to photo copy my bank card and my drivers license and fax it to them, which I refuse to do. Please help, any advice appreciated. I do not have the money for a lawyer and fear they will continue to contact me at my employers number, so embarrassing:( Also, I reside in PA, I dont know if that helps you at all. My loan originated with MyPayDayLoan.com, there were emails and phone calls I received previous to this call from "Jacobson and Associates", I did not respond to any of their inquiries, and have now been contacted by this third party "law firm" from California. My PayDayLoan orginates out of Costa Rica, and states that regardless of the state you reside in, when you enter a contract you are doing all transactions as if you were at their office in Costa Rica, regardless of what my home state of PA might say regarding payday loan laws. I am so confused, and a little scared. I am a single mother of a four year old and have made the mistake of defaulting on a payday loan, does that make me a criminal??

Help!!


That is illegal! They cannot arrest you, nor threaten you with such arrest. I would look up the payday loan laws in your state. Most states require that the company should be licensed in the state and abide by those rules, and then there are the federal laws as well.
I had the same problem with Cash Advance Network, they were in Costa Rica, and I was behind by two days on my first late payment (after I contacted them and told them I would be late) they sent me to an aggressive debt collection agency in Florida. They harrassed me at work and at home, so I contacted a lawyer I found online that said I wouldn't have to pay him until they had my case settled. I hired them, they sued, and won. I ended up with my payday loan settled in full, and they paid my lawyer his fees. My lawyer even gave me $120 of the money I paid to the agency!
So don't fret. You won't go to jail!


lrhall41

Submitted by mufabutt on Tue, 07/19/2011 - 16:56

( Posts: 26 | Credits: )


Absopositvely!! Was that agressive collection agency in Fla Bass & Associates, btw? Just asking, because they were based in Fla and we've got reams of stuff on them. Just curious.
This is obviously a textbook scare tactic that bottom feeders use. They count on good people like the first poster in this thread who are having financial challenges to be scared and give them their information, so they can hit their bank accounts again and again.
Do NOT give these people any info! Call the local police to report them and if they call again, tell them to go right ahead and come on over. Call the Pennsylvania AG's office while you're on the phone and turn them in.


lrhall41

Submitted by kscornell on Tue, 07/19/2011 - 19:06

( Posts: 4407 | Credits: )


I agree with other posters, contact your State Attorney General office, also your State financial regulatory agency about these people. And do NOT send them any personal info at all. I'd also keep an eye on my checking account, "just in case." The people that work for these companies are disgusting, they use legal-sounding terminology, give you bogus information on what they can and can't do to you, etc. And they're in Costa Rica? I had one outfit which was based in the UK, used a call bank in India, with a Utah telephone number and they said they were going to see me in a BRITISH court of law; I told them to come on over, I'd be waiting.


lrhall41

Submitted by on Wed, 07/20/2011 - 06:52

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