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I received a call from a Howard & Associates about a debt with Mycashnow. Honestly, I have no idea if I took a pay day loan from them as it was 2.5 years ago? I know your supposed to ask for an address and they gave me a PO Box, so not sure if that makes them anymore legit. Somehow the balanace is over $1,500, due to lawyer fees being added on. I guess two questions - anybody ever heard of this company and can they charge you Lawyer costs?

They sent me an email for verification, but it's just a bs letter that says the claim has been sent to them for collections and I must pay ther balance, blah, blah, blah.

Any help would be appreciated.


mycashnow is in CANADA meaning illegal lender,howard & assoc is a bottomfeeder.they neeed to send a letter via the usps with a real address.the fact that they won't do this smacks of both mycashnow,and howard & assoc to your AG,AND THE not talk to them further as again a bottomfeeder fo an illegal lender.

Sub: #1 posted on Mon, 12/09/2013 - 08:19

paulmergel paulmergel
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Thanks. They also had mentioned garnishing my wages in one phone call, I assume they can't do this?

Sub: #2 posted on Mon, 12/09/2013 - 08:41

shakydc shakydc

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Can a company from Canada walk into a US court and get a judgement to garnish wages for an illegal loan? No but if they sell the debt to a collector in the US they can try. You would have to be served papers and they would have to prove the debt was valid which it isn't. They will find a softer target and resell you to another bottom feeder. I still have collectors trying to scare me into paying PDLs that are over 7 years old. That is as long as I have been a member here. They have probably changed hands a least a half dozen times.

Sub: #3 posted on Mon, 12/09/2013 - 11:57

Frogpatch Frogpatch
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they most likely mean a wage assignment.that is why in SOAPLADY'S sticky on dealing with illegal lenders there are templates for wage assignment revocation letters.some illegals still try to submit them so get that letter to your employer as i have seen on these very forums dirt stupid payroll people in non-garnishment states honor those so best to cover all bases.

Sub: #4 posted on Mon, 12/09/2013 - 12:09

paulmergel paulmergel
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