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my wife is receiving harassing phone calls from a collector for a payday loan. We recorded one of the calls, where they threatened her with jail time and said she would have to pay restitution. He said she had passed a bad check and that was a crime. I know very well that defaulting on a payday loan is not the same thing as passing a bad check, and we let it go. Then she got a message from a guy saying he was from the warrant processing department threatening an arrest warrant. Again we ignored it. Well today she got a call from her Dad who said they had called him about a bad check she wrote. Now it's getting annoying, and I want to report them. Does anyone know where to start if I want to report this? We live in Washington State.

I'll get the 800 # they gave me later but can you tell me where to start?




You can file a complaint with the FTC. I can tell you I've received several calls like this because of my past pay day loan mess and there really isn't any way to stop them. They spoof their phone numbers each time they call, and the authorities really have no way to find them. Most use throw away cell phones, almost impossible to track. I even had one of these creeps steal my identity. It's been months since I've cleaned up all of my PDL's and these people continue to call once or twice a month on my cell, home and at work. I've been threatened with jail, you name it. They've called my father in law and friends.

Sub: #1 posted on Wed, 03/09/2011 - 12:45

Buzzette Buzzette
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Well I've been able to call them back before, and then again a few weeks later, so I don't think they throw their cell phones away very quickly, but I can believe they spoof their phone numbers. I'm sure there has to be a way to track them down though, I just want to know where to start that process!

Sub: #2 posted on Wed, 03/09/2011 - 14:22

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Contact a debt relief company and take their help in paying off the payday loan. This will make it easier for you to deal with the payday lenders.

Sub: #3 posted on Thu, 03/10/2011 - 02:08

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sorry monaliza,but no debt relief co is gonna be able to help with illegal lenders as they don't care about the law.if they did they would not have lent in the first place.besides take someone's money a debt relief co won't and can't help paying an illegal lender.they can do it on their own with help from us.

Sub: #4 posted on Thu, 03/10/2011 - 05:15

paulmergel paulmergel
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There's no way I would pay these guys a dime. I am willing to bet the minute they got my money, they would pocket it and then call back a few months later with the same harassment. And no debt relief company would recommend me paying them either. I want to report them for harassment and hopefully help to stop them from harassing other people as well.

Sub: #5 posted on Thu, 03/10/2011 - 14:11

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Quote:
There's no way I would pay these guys a dime. I am willing to bet the minute they got my money, they would pocket it and then call back a few months later with the same harassment. And no debt relief company would recommend me paying them either. I want to report them for harassment and hopefully help to stop them from harassing other people as well.

I ditto that.

Sub: #6 posted on Thu, 03/10/2011 - 15:22

Shazzers Shazzers
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(Posts: 17344 | Credits: )

Well I would think there would be a way to track the jerkwads down. Maybe if I "agreed" to send money to them I could pin down their location or something for the FTC to take some sort of action. Or am I being delusional?

Sub: #7 posted on Sun, 03/13/2011 - 17:15

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