Rights

Welcome to the forum! Which company called you? A lot of payday loan companies and collection companies threaten people with prosecution and use the bad check line, as well as writing a bad check across state lines, and who knows how many other illegal threats.

If this was regarding a payday loan, it might be advisable to send a letter revoking any voluntary wage assignment they might claim you electronically signed when you took out the loan. Certain payday loan companies send wage assignment packages to an employee's payroll dept., requesting the company to garnish wages, and some payroll depts. go ahead and do it, not realizing that the garnishment request isn't legal.

What company was it? You should definately send, fax or email the revocation of wage assignment to them. Just tell them, that it was voluntary and you wish to revoke it. Also write them and revoke the ACH and Check submission, so they don't debit your checking account. They can not threaten you, it is against the law.

Get the calls recorded and sue them for violating the FDCPA49. Verify about the recording with your state laws. In some states, you have to take permission of one party before recording the collection calls.

In case if this call is from a creditor or their internal collections dept, the fdcpa doesn't apply on them. You have to reach to an understanding outside the FDCPA lines.