Cashnetusa Loan in Texas Help!

You can't be criminally prosecuted for non-payment of debt. If they are legal in your state, then they can file a civil suit against you.

Yes, they can file a lawsuit against you, if they are licensed in your state. But illegal lenders won???t be able to take any legal action against you.

the two are techincally right,but i have questions like.

1)why do you ask about the criminal implication?did this lawyer imply that,or the word fraud,or phrase bad checks?
2)did this attorney mention garnishment?
3)what is this attorney's name?

you see in TX anybody collecting must post a 5,000.00 bond with your DFI,or AG to collect.also TX is non-garnishment.plus cashnet has the nice habit of selling debt to bottomfeeding slime.that is why they are in the middle of a class action suite right now so while the loan was technically legal.i guarantee this lawyer is not legit and needs to be reported asap.

Hey CraaazyC,
I'm very sorry to hear that you lost your job. There are 2 things I'd like to address about your post. First, we always try to do our best to work out a reasonable payment plan for those that are having a hard time repaying their loans, so please be sure to call our Customer Service Team at 888.801.9075 and we can work with you to come up with a solution.

Second, I can't say for certain, but what you are describing COULD be a fraudulent call that is NOT coming from CashNetUSA, but a scam ring that has been using the CashNetUSA name to sound credible on the phone. All of the CashNetUSA in-house collectors follow strict policies and procedures, industry best practices, and comply with the law. These fraudulent collectors do not. Please see the list we've compiled below and assess whether or not what you experienced on the phone was, in fact, a fake collector. If you think it is, I've also included a list of ways to report the incident. We are currently working directly with federal and state authorities to stop these fraudsters.

Recognizing Fake Collectors
A collector may be fraudulent if:
- You have never received a loan from CashNetUSA, Payday Advance, Cashland, Cash America or SuperPawn.
- You received a loan with one of our businesses, but paid it back in full.
- The caller is unwilling to provide payment history information or proof of a loan agreement.
- The caller threatens violence or uses foul language.
- The caller threatens arrest or other criminal action or claims they are members of law enforcement including police officers or FBI agents.
- The caller has a strong foreign accent and speaks English poorly

If you receive a Fraudulent Collector Call:
- Please be aware that the fake collectors may have a lot of real information about you. Typically, they received this information from a fake website that was set up to steal personal information.
- Do not give out or confirm any personal information to the callers unless they are able to proof they are legitimate by providing you with loan contract or
payment history information.
-Tell them that you will not to make any payments or give out any personal information unless the details of the original loan can be confirmed.
- It is OK to hang up on abusive or threatening debt collectors
Unfortunately, because we are in no way associated with these companies, we are unable to stop them from making the calls.

FILE A REPORT IMMEDIATELY
We take the information you provide and work with Law Enforcement to track down these illegal companies.
If you are a current or former CashNetUSA customer or have never taken out a loan with CashNetUSA or any of its affiliates, please call us at 866-254-3581 to file an incident report.
If you are a current Cash America, Payday Advance, Cashland or SuperPawn customer, please contact the customer service number located on your loan documentation to file an incident report

Filing a report matters! Here is a link from the Federal Trade Commission (FTC) showing progress they are making in stopping these fake collections scams:
?? http://www.ftc.gov/opa/2012/02/acc.shtm
For more information, please refer to this FBI report on fraudulent debt collectors:
?? http://www.fbi.gov/scams-safety/e-scams
If you also wish to file a report with the FBI, you may do so at this site:
www.IC3.gov
The Federal Trade Commission (FTC) published a list of Debt Collection Questions and Answers:
?? http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Please know that this information is not provided by a lawyer and is not intended to be legal advice. I hope you found this information helpful.
Either way, please contact us so we can assist you further.