I received a call today or i should say my son did how they got his cell phone number is baffling. Anyway they told him I had an unpaid payday loan and i was being charged with fraud. That they were coming to my house today to serve me papers. Needless to say it scared the shit out of me and I have to admit I panicked. So I rushed home to find the previous info and she what I could find. Well I received the same kind of call a few months ago saying that it had to do with my bank account at my old bank. Needless to say I was pretty stupid because I paid the money and did not research the company like I should have. This time I went online and researched the web and found this thread. Each time they say I am being charged with fraud. Which in Iowa is illegal they can not charge you with fraud it is only a civil case. Not only that it is illegal for them to service iowa. I found this out by going to the attorney generals office web site, I also found the same information online at iowa legal aide. These people are very demanding and say they are coming to throw me in jail. Which unfortunately the first time I fell for it. I am embarrassed to say. But just maybe by sharing this information here will stop someone else getting ripped off. I have shared the links to the information found. Make sure you check your with your local states attorney generals office and legal aidehttp://www.iowalegalaid.org/resource/payday-loans-an-expensive-way-to-borrow-money
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
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Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
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