I live in Ca and got a payday loan on line from Cash Central in the summer of 2009. The loan was for $200 or $250. Shortly after that, I lost my job, my bank account was closed and I did a few months in jail (unrelated). I have not heard anything from them and quite honestly forgot about the loan until 2 months ago. I received a call from a woman stating my wages were going to be garnished from a past due bill. I returned the call but had to leave a message. Last week I received my second phone call from a Michael Moore, stating he was with the garnishment dept of TBW & ASSOC from Kenmore, NY. I was able to get them to send me an email with the basics regarding the loan. They are claiming that I need to pay $2314.98!!! I don't have a problem with trying to pay what I received but I don't have the kind of money they are asking for. The guy Michael keeps calling every day while I am working and can not answer the phone. By the time I get off work, they are gone from their office back east. Today he said he would be filing the papers for the garnishment with my employer. Can he do that?? They never even got a judgement. What amount can they legally try to get out of me beyond the initial $200 loan? I've been on this site for a couple hours but am still not sure exactly what my next move should be. Do I talk to them on the phone? Any suggestions on what I should do next or how I should handle this? Thank You
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