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I got a call from BRN/Hartford and Associates regarding a PDL on 2005 from USA Payday. I wanted to set up a payment plan but was told no because the account was closed and the payment was returned to USA payday unpaid. She also said that because I have not paid on this loan in 3 years that it will be turned over to the Sheriffs Office in MD where I live and I could go to jail unless I send them $317 by 5pm today. What do I do. I'm scared to death and don't want to go to jail. Please help me with this.




take a deap breathe and relax. You are not going to jail. They are in violation of federal law for even saying you were.

If failure to pay on a loan then the jails would be full of people who couldn't pay their mortgages.

Please provide the community with a little more info and we can help you.

Who is the PDL? On-line or storefront?
What state do you live in?
When was the last payment made?
Are you using the same bank account that you had when you got the loan? Did you provide this info to the PDL?
If so change banks, or block all electronic debits or charges.

BRN/Hartford has made first contact and must send you a letter detailing the claim within five (5) days.

When you get that letter you will send them a Validation letter making them prove the debt.

If they call back make sure they have your current address and tell them you are waiting for the legally required letter.

DO NOT give them any other information, NO SSN, NO banking/credit card information.

Sub: #1 posted on Wed, 08/06/2008 - 09:55

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A LADY NAME CAREY TAYLOR CALLED ME AT WORK FROM BRN TELLING ME THAT I COMMITTED FRAUD FOR CLOSING MY ACCOUNT WHEN THEY WERE TRYING TO TAKE MONEY OUT. SHE TOLD ME I WAS GOING TO BE TURNED OVER TO THE WILL COUNTY SHERIFF UNLESS I PAID 510 DOLLARS BY 6PM EST. IT SCARED ME TO DEATH BECAUSE I HAVE NEVER BEEN IN TROUBLE WITH THE LAW. SHE TOLD ME I WAS GOING TO JAIL. IS THERE ANYTHING I CAN DO TO FILE A COMPLAINT

Sub: #2 posted on Wed, 08/27/2008 - 20:23

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when they call and say you are going to be arrested tell them to make sure it early enough so you don't miss dinner.

You did not commit a fraud unless you took the money and closed the account deliberately and since BRN is a CA you didn't.

Sub: #3 posted on Wed, 08/27/2008 - 20:41

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THE ACCOUNT WAS CHARGED OFF...EVEN WITH ME PUTTING MONEY IN IT IT ALWAYS STAYED OVERDRAWN. THIS WAS MY FIRST BANK ACCOUNT AND I DIDNT KNOW HOW TO REALLY BALANCE MY CHECK BOOK. ARE YOU 100% SURE I AM NOT IN TROUBLE

Sub: #4 posted on Wed, 08/27/2008 - 20:51

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Shauna, Heed the advice, YOU CAN NOT BE ARRESTED FOR A DEBT!!!

Sub: #5 posted on Thu, 08/28/2008 - 00:29

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