Check Management CSMS

Find out if the payday loan company is legal in your state. If they are not legal, then you can't be sued for it.

You can get information on Check Management Services from this link:

"http://www.debtconsolidationcare.com/paydayloan/thread67704.html"

Woooo here we go! Its long but worth the read for those harrassed by CSMS.

CSMS called me and left a voicemail claiming to be the "Law Offices of CSMS" and said that they have a pending civil matter in "my county" that needs my urgent attention. They advised that I, or my attorney, call them back to resolve the matter. They ended with "you have been notified. Good luck."

Mmmmhmmmm. What they don't know is that this chick is pretty damn crafty and doesn't scare easy. :)

When I called back, the guy said "hello." Thats it. "Hello." OK then. I go with the flow as he describes what my "charges" are. Apparently I'm being charged with "intent to defraud a financial institution." Apparently I owed PayDay One some money in the past. Pretty sure I don't owe crap, but anyway. Its past the 2 yr SOL for TX's hot check law so they can't get me for that. Guess they've moved on to the next mode of harrassment?

Long story short. He says I owe $3,000 but they will settle. I neither confirm or deny anything and say that I want a letter of validation first. He attempts to email it to me. I say "no, I want actual proof. I want a paper trail of what I owe, who sold what, what fees were included etc and that I would send an official request via snail mail if they wished. Finally, after a few huffs and puffs he agrees. Right before I hang up with him, he asks me if I know *insert brother in law and father in law's name here.* I confirm nothing. Kinda pissed at this point.

Next day- "Process server" calls me and leaves a voicemail from my area code. Says that if he can't reach me at my place of residence in the next few hours, he will be at my place of employment the next day and will need my manager's signature as a witness. Yeah right. PS. I saw no one.

I call the company back and tell them about the "process server." I then kindly remind them of the request for validation of debt. Again, they try to email it to me. No thanks. He gets snippy as I try to get company info (didn't get much except that the name of the company is actually Checks Systems Management Services.) He again reminds me of my debt which has now somehow grown to $4,000. Hmmmmm.

I gave them my mom's address for the validation letter as my husband is deployed and I'm home alone. She got it yesterday. They mailed a Microsoft Word styled letter with barely any info on it. Not what I asked for. By the way, the amount owed on the letter was now $1,700. Yeah.

I did some more research and found out that the company does NOT have a surety bond registered with the state of Texas, thus, making it illegal for them to collect from me. Per TX law, they have to have a surety bond with the state in order to collect to from a resident. God I love TX sometimes. :)

I have already filed a complaint with the FTC and will be sending out a request for validation of debt (so I can have their actual info) and a cease and decist communication letter. I have also begun contact with an attorney to sue them for damages. Not sure if it'll go through, but its worth a shot. Too bad I'm an idiot and deleted those voicemails. I can at least get them for ONE thing. Normally I'm a go with the flow type of person, but they stressed me out to noooo extent. Afghanistan protests, house issues, work issues, life issues, pending move to another state etc. and then this on top of it? No thanks. They picked the wrong chick to mess with!