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Hey I borrowed $300.00 from 10 Dollar payday loan last year and I have been trying to set up a payment arrangment with them, but have had problems. Now they have a lawyer calling me and she says that I have to pay by friday or we will go to court and they will be garnishing my wages. She says that she has made contact with my payroll people and that they agreed to set up a garnishment. Can she do that, I know that my payroll has to ask me first right? Can someone help me before I send these people money. Also, She says I know owe $535.00 is that legal to charge me that large of a fee?
HELP!!!!
Heather




Quote:
"Now they have a lawyer calling me and she says that I have to pay by friday or we will go to court and they will be garnishing my wages. She says that she has made contact with my payroll people and that they agreed to set up a garnishment.

Is it a lawyer? You can ask for her bar number, as it is illegal to misrepresent oneself as an attorney. If she refuses to give it out, she is likely lying, and if she does give one out, you should be able to look it up with your state bar association.

What state are you in?
How much have you paid back?

You might want to send your payroll dept and 10 Dollar PDL a letter revoking any wage assignment you've already granted. There is a possiblitly that anything you signed up for had a built in assignment.

Sub: #1 posted on Wed, 03/14/2007 - 12:24

Morningstar Morningstar

(Posts: 1634 | Credits: )

I havent paid anything cause no one would set up a arrangment with me. And my amount went from $300.00 to more then $500. I am suppose to be calling her back this evening and talking to her about it. She gave me a phone number and her name 201-670-8851 and her name is Linda banks. The line had a whole lot of static and I could barely hear her. She started yelling cause I kept saying I couldnt understand what she was saying. I am in the state of Kentucky! I am a full time student at Western Kentucky University and I needed some extra cash to eat and school stuff. Now Im paying for it really bad.

Sub: #2 posted on Wed, 03/14/2007 - 13:27

roddinls106 roddinls106

(Posts: 21 | Credits: )

Try to work out something with the lender so that you don't have to deal with the lawyer. If they still pursue you to pay them and not the lender, make sure that you get the debt validated with all calculations of interest charges on the principal amount. It is your legal right to confirm that the lawyer is doing legitimate collections and adding proper fees. It should be according to the laws of the state where you took the loan.

Sub: #3 posted on Wed, 03/14/2007 - 14:51

trophy trophy

(Posts: 162 | Credits: )

The Lawyers office just called me again and siad I have until 5pm today to pay the full amount through Western Union or they are going to file court papers and I will have to settle this in court. I dont know what I should do? What will happen if I go to court?

Sub: #4 posted on Fri, 03/16/2007 - 09:25

Unregistered


IF you go to court...They will either tell you to pay what you owe or throw it out..Depends on how well prepared you are...IF you go to court take all bank statments with you showing how much was deposited when your account was debited and how much you paid back...Oh and just to ease your mind..if you are from KY-Criminal Action is prohibited on PDL's worst they can do is civil suit you...Which most of them won't bother

Sub: #5 posted on Fri, 03/16/2007 - 09:30

Leah Leah

(Posts: 2323 | Credits: )

OK, I am in KY! I have not paid these people anything cause At first I didnt think I borrowed anythign from them. But I did, and I tried to make a payment arrangment and at first they accepted. But I didnt have the money due to a emergency I had in my life. So whats the wrose the Judge will do? I can pay them half the amount today and the rest next week. But she said she will not except a payment unless it is in full.

Sub: #6 posted on Fri, 03/16/2007 - 09:48

roddinls106 roddinls106

(Posts: 21 | Credits: )

check Kentucky's laws for the interest they are allowed to charge. If you have paid over that amount you are entilted to a refund. The threats are just that. I doubt they will actually take you to court if you honestly owe them, do set up a payment plan, but do not talk to customer service. Ask for the collections department usually they will be willing to set something up with you, Alot of times you can send 20.00 weekly depending on what you owe and pay off your account quickly.

Sub: #7 posted on Fri, 03/16/2007 - 09:54

taki2u taki2u

(Posts: 89 | Credits: )

Well this lady says she is representing Norman G Kalina a lawyer in New Jersey and that if my full amount is not paid today then they will be filing court papers on Monday morning. If they will not accepted payment arrangements then what is the worse that can happen if we go to court?

Sub: #8 posted on Fri, 03/16/2007 - 10:01

roddinls106 roddinls106

(Posts: 21 | Credits: )


lawcash.com/attorney/3284/accredited-collection-agency-norman-g-kalina-e sq-lawsuit.asp

Sub: #9 posted on Fri, 03/16/2007 - 10:11

roddinls106 roddinls106

(Posts: 21 | Credits: )

Most the judge will do in KY is tell you you have to pay them the principle amount you borrowed plus the interest which isn't too bad in KY and they will have to accept a payment plan. :)

Sub: #10 posted on Fri, 03/16/2007 - 10:17

Leah Leah

(Posts: 2323 | Credits: )

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