Original lender is Advance America. I took out this loan in 2007. A lot was going on at that time that I was not able to pay them back. I did not close my bank, my bank froze it and eventually closed it. (which I had to pay them all the overdrawn). I was scammed so many times by companies that did not exist this past 2-3 years regarding a payday loans. And yes, I was one of them who paid all those money and to basically just strangers. I did not know about all this at that time. Long story short, National Credit Adjusters has been sending me letters regarding on my balance with Advance America for almost 2 years and I did write them a letter for validation but I did not certify it (mistake). I got that loan back when I was living in Alabama now live in Connecticut. I just got a phone call from a company called Rosenthal, Stein, and Associates. They state that NCA sent them my infos for court. The guy I spoke to was nice to me and I did state to him that I am unable to pay them anything, I am currently unemployed. I am stressing out about this and I am 6 months pregnant. I can't sleep. I am worried. It was weird at first when I talked to this guy. He gave me my recent contact and he stated that this was the infos I gave NCA recently which wasn't true because like I said that was back in 2007 and I recently moved. He also told me that NCA has been reporting this debt to my credit this past years so I should know about it even if I didn't get their letters or didn't respond. (did to). I told him that I monitor my credit and I do not see anything in my credit. (i pulled my credit again after we got off the phone and still nothing). I guess. I'm trying to get a hold of NCA to see if I could get them to send me another letter so I can validate it but this is worrying me to death. yes I know I should've paid, please don't go there. Can they sue me even if I took the loan out in Alabama and now live in Connecticut? What other actions can I take?
