10 Dollar Payday Loan NAyone know them?

Quote:

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.

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.

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?

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

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.

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.

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?

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

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. :)

I just got off the phone with the original lender. They said that I do nto have to pay the lawyer people at all. I owe them $315.00 and I need to pay it by next week. And I can split that payment if I need to.
Thank you guys for all your help.

Just to let you know I talked to the Office of Finanical Institutions in Kentucky and they told me that all internet payday loans are illegal in KY. The worst that could happen is that they would make you pay the principle and $15.00 for every hundred you borrowed. It is also prhibited to rollover or renew them. Take a deep breath and relax you will make it through

Thank you for all your help. I really apprechiate everything that everyone has done to help me. YOu guys are awesome.

Here in Ohio and all other states that I know of only a court can order a garnishment be made. You are being bluffed, They are a very shady outfit I have discovered from googling them. Don't fret until you get something from the court saying you are being sued. They have to sue you first then have a garnishment healing next.

isn't this place awesome!!!!!

This is not a lawyers office this happens to be a company that is trying to collect money for payday loans the companies name is aca credit collection services in new jersey. they are acting like an attorney's office to scare people this place charges 30% a day interest on what was owed.

I just got a very harrassing phone call at my place of employment from someone saying they are a lawyer from this number they were very rude & as I did not have time to talk to them & said I would have to call them back they got ruder & I just took the number. I googled the contact number and found this?? SO who exactly is the lawyer company?? Are they a legite law firm or are they bogus?? They sound a little off from what I was reading up above.

So what do I do then?? I dont want to be charged 30% a day & why are they representing them selves as attorneys if they are not attorneys?? Can they legally do that?? I thought it was illegal to represent yourself as an attorney if you were not.