internet payday loans

Both of your loans are illegal tribal loans and thus unenforceable. The ones calling you threatening judgments and jail time are also an illegal collection company. Find out who the company is and send a C&D letter or you can just ignore the calls.

Since they threatened criminal charges they are definitely operating outside of legal statutes. You can not be arrested for debt, they are civil and not criminal. You can also keep an air horn by the phone and when they call next, set off the horn in the mouth peace.

If you are still worried about any civil or criminal charges you can contact your local law enforcement and verify if there are any criminal charges against you. Contact your local court to verify if there are any civil judgments as well. If you have not be properly served any debt you are being sued for is invalid.

Follow the stickies on dealing with unlicensed PD loan lenders step by step by OhioGal1 and PDL's in collection and C&D letter. This will give you valuable information on what is happening and how to deal with them.

Hope this helps

The worst that can happen is that you feel bad for these people and pay them. You are not legally liable for anything here, not even a tin can, let alone a cent. Ignore them.

Are you both positive about everything that you have told me, I just wanna make sure. Another question what about shoreline online and ideal gelt are they illegal lenders as well, please respond ASAP, thank you
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Yes to your first question and yes to the second, those are illegal lenders.

Yes, what both Waffles and I have told you are true. Waffles knows what he is talking about and will not steer you wrong either

OK the one company called today and said if I don't contact them by noon tomorrow that are gonna call my payroll department and garnish my wages, now if I call them and set up arrangements I can tell them I wanna pay fifty dollars a week until its paid and I have that right according to the fair debt act right? What if they don't accept my amount what do I do, please respond ASAP, thank you

You don't have to pay them anything. This is what you do - send them an email and never speak to them again

Dear Lender

I will be paying you 50 dollars a week. If you don't want my money that's fine. Charge me off to a CA, I don't care.


That's it. They can't just garnish your wages by calling payroll... stop believing their BS.

From personal experience, a payday lender did send "fake" garnishment wages to my payroll dept. Payroll thought they were legitimate. I was not aware of it until my paycheck was different then it normally was. I immediately contacted payroll, informed them they were illegal. Got my state's financial institution involved and the money was returned to me. I am telling this as you may also want to tell your payroll department of this illegal lender so the same thing does not happen to you......just to be on the safe side.

OK these peoples attorney's called and said that they are gonna issue a warrant for my arrest, what do I do need help immediately, please respond now thank you

You can not be arrested for a debt. Debts are civil not criminal. The collection agency is using illegal scare tactics. File a complaint with the FTC right now. You can do so online. Send a C&D letter to the collection agency as well. Ignore their calls. Tell your employer you have been the victim of fraud if you have not already. This way your employer will not take any calls seriously.

I contacted the ftc they have a complaint, contacted the attorney generals office ansmd they said its a scam and I won't be arrested and I also was told to contact the FBI's something division as well

Best way to get these guys off the phone, tell them you'll meet them at the local precinct and encourage them to come put you in cuffs. Want to 100% guarantee they'll never call you? Tell them you like being put in handcuffs. Works every time for the ones calling my father.