United Legal (paychecktoday)

Hi erzeke1

Go ahead! You must get the debt validation details from the collection agency. Besides, any further charges can be added on the principal amount if it is permissible as per the state laws and the CA is licensed in your state. It must also be stated in the agreement contract you signed with the original credit company.

Get the complete details of this account before any payment is sent to them. You will be sure that the money is going to the right place. You can request T&C also to get it in writing from them.

I was overdrawn when they tried to collect from me yesterday - should I deposit the money and let them withdraw from it or send them a money order - I really don't want to send them a check because I don't want anyone with my checking account number except for my regular credit card holders.

Never send a check to a collection agency, and never give a collection agency your banking info! In my honest opinion, I wouldn't deposit money to let them withdraw. Send them a money order, certified mail with return receipt.

Did they try to draw from your checking account? If so, then they already have your number.
If they don't, DON'T give it to them under any circumstances.
Call and tell them you're sending a money order and don't take no for an answer.

Yes I did - I was just going to deposit money on a two week period just the amount that I needed for them ony - I don't use that account for anything else - I actually gave them the dates they were suppose to debit the account and the amounts - 5 payments total - so far they have not done anything shady so that is why I was not afraid of it - they are waiting for me to call them back now to tell them what to do and when to go back to the account - they went on the day I told them not before -they had my information a month ago - and they went on the 30th as promised - the next one is June 9th - I picked the dates!

Paychecktoday wasn't too bad to deal with when I called them before. If you're comfortable with the withdrawals from them, then deposit the money and pay them off.

Its funny how paychecktoday was cooperative with others but they were RUDE towards me. I called them before the due date to inform of account being closed and would like to arrange a payment plan. They were not very cooperative and threatened to turn me over to United Legal Corp. Maybe that lady had a off day?

I spoke with a man when I called before I defaulted and he was more than cooperative. I guess it depends on who you talk to over there. Bottom line though, you can't trust any of them!

That's true....maybe I should try calling again and see if I can get a person whos more not jerkish.

all of you don't work and when you blog one site and don't like what you see (truth) you start something else.... since you left the other site. i want to make sure you see this.
one more time since no one here wants to read what to do to get out of debt.... 1st of all turn off jerry springer put down the remote and get out the paper look for a job!!!! stop living off the government... i read threads too, most of you don't work!!!
1 more time for those who choose to ignore common sense.
pay your bills like everyone else. don't over extend yourself, get a 2nd or 3rd job to take care of your just owed debts!!!
p.s.
maybe this is boring to the above posts, but this is called life (not the real world MTV)!!!!
looking forward to your speedy reply

Listen here you SOB, I DO NOT live off the government. My husband has a nice paying job! Just who do you think you are coming in here acting like a saint in wolfs clothing. This is my final post to you! :evil:

Aaaahhhhh poo on you! Get off YOUR butt and get a job...you're on here more than you work!

Hi

The poster making negative remarks and offending the members has been banned from the forum. I will check if he comes with a new IP.

Regards
Vikas

Thanks Vikas :)

Erzeke,

Has the loan been placed with a collection agency, United Legal Corp? I believe they are based out of Florida and they can be very rude. I would check to see if they are licensed in your state to collect money. Also, send them a debt validation request per the fdcpa laws. They must validate the debt before collection activity can presume on the account. Have you received any type of letter from the CA?

I don't believe they are with united legal anymore. My statement from T&C says the money I send is going to paycheck today.
Although, when I spoke with united legal, I asked for a letter of validation and they said they would send one, but that was about 2 weeks ago and haven't heard anything since...
They are not licensed, nor are any of the other 2. When I have paid for the principal on these loans I will then start sending letters out to them.

Pay Check Today is not with United Legal anymore? I was told differently by a lady on the phone....she said she will turn over the collection to United Legal after refusing to work out an arrangement.

Deleted by Moderator

Hello Robert...long time no chat!

LOL He thinks he's fooling someone.

Deleted by Moderator

Well, you should know since you know everything about us. Where am I?

Delted by Moderator

I thought this jerk was taken care of?

Again, where am I? What you have on me? Cough it up, buddy.

Where's who's picture?

I changed mine, but it's there...hmm

thanks Vikas

nice pic jessi

Thanks JJ :)It would be better if you could see the yummy cake that I'm holding..:)

Sapphire....
I must not have been clear in my message. I meant that my ACCOUNT was not with United Legal anymore!