ERG & Associates - CA for Midland Financial?
Anyone here heard of ERG & Associates? They are "supposedly" a collection agency for Midland Financial, phone # 877-899-0629. I received a call at work the other day from some unknown number claiming that they were calling regarding a legal matter and I had a case pending against me and I needed to contact someone before they came over to serve me papers. I was given the above 877 number to call, as well as a case number, and a woman by the name of Dawn answered the phone saying it was regarding an unpaid loan for Midland Financial and they needed to collect money before the case was filed in court. I've tried searching for them and I come up with nothing. I'm trying to find out if they are a scam.
P.S. I live in New Jersey and any help is appreciated! Thanks guys!!!
Payday lending is prohibited in New Jersey. You can check the st
Payday lending is prohibited in New Jersey. You can check the state laws here.
Obviously these people are blowing smoke by trying to collect on an illegal pdl. You may send a cease and desist letter to them.
Hi, This is to let you know that the cease and desist letter is
Hi,
This is to let you know that the cease and desist letter is the best way to stop the harassing creditor calls as soon as possible.
Since payday loans are prohibited in your state, this collection
Since payday loans are prohibited in your state, this collection agency is attempting to collect on an illegal debt. This is what I would do, the next time they call, tell them they are attempting to collect on an illegal debt, then tell them they have 5 days after their first initial contact with you to send a letter of collection via the mail, that is a federal law (FDCPA).
If and when (I doubt it) you receive a letter of collection, you will then have 30 days to dispute it, make sure you send them a debt validation (search for a sample letter at this forum) certified, return receipt requested. Once they receive this debt validation letter ALL collection efforts MUST stop until they validate the debt. Quite honestly, I doubt it will ever go any further than threatening calls, because this particular collection agency is known for violating the FDCPA and trying to collect on illegal loans, just tell them what I said above, hang up and don't speak to them again unless you receive the letter of collection.
Jamie
I received a call in early may in regards to a payday loan from erg about jhs llc that i did last year. I did some research with my bank because what they stated is that i owed on a bad check not that their proceeding about the pay day loan. My bank stated that there are laws that apply to bad check and they are allowed to process so i googled the laws and decided that i wanted to take care of it on my own. I called later to try and resolve this, they said they cant help me, and later on that week i was served to appear in court on a bad check. I regret letting it get this far.