Legal Mediation Practice

What they can do depends on a number of factors?
1. Is the payday lender licensed to lend in your state
2. They have 5 days from the date of that phone call to send you your letter.
3. If that call was threatening,get a notebook and write down all the details you remember.Keep notebook by your phone.
4. If it is legal,record your phone calls with them.
5. As soon as you have an address,send your dv letter to them certified return receipt.
6. Now let's address the issue of lawsuit. If they are collecting for the lender,they legally cannot sue you without permission from lender.A collector cannot sue,it must be a licensed attorney.
7. Payment arrangements are not a right. It is simply a conveinance(collection agency).
8. If possible see about dealing with your original lender.Some states pdl laws make them offer payment arrangements.I am very weak on pdl law so I will let someone else add to what I have here.

Use your legal rights and get the debt validated by Legal Mediation Practice. They are bound to follow the federal laws. Just think, why will you pay to someone who has not yet confirmed their authorization to collect on the said account? You need to use your legal powers mentioned in the FDCPA. Send the DV letter, CMRRR and cover your basis legally

You said they sent you one letter. What does it say?