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Check into cash loan went to collections agency

Date: Mon, 10/27/2008 - 11:12

Submitted by anonymous
on Mon, 10/27/2008 - 11:12

Posts: 202330 Credits: [Donate]

Total Replies: 2


So I had this 300 dollar loan with Check into Cash. They apparently sent the debt to Alliance Asset Management. I have since changed cell phones and they have been calling my job. They have threatend legal action against me over and over. I have only dealt with them on the phone 3 times, but they are so rude! So today I get this call from them, that I had promised to pay and I didnt. I told her something came up and that I wasnt able to. She said I had until the end of the day to call her if i got the money... anywho, I decide to send a DV letter, I have one all done, and I realize they have never given me an account number, so I call and the lady that answers the phone, just says, what do you want? I said very nicely, can i please have your fax number? so she gives it to me. Then I say, you know, i have recieved some calls that i have a debt with you, and I would like to get an account number. No one has ever given it to me. So with my social she quickly finds it. She suddenly starts yelling, You just got off the phone with Marie and you told her you weren't paying! why do you want the account number?! the debt is already going to an attorney in your area! So i interrupt her. I told her, I just got off the phone with Marie 2 minutes ago! she said if i had the money by the end of the day to call her back, obviosly my account is still somewhere in your building, can you please transfer me back to her... she says no, you had your chance... and hangs up on me! My questions are: 1. can they sue me for 300 dollars? and 2. can i still send the DV letter without an account number?
BTW... I live in California and I have never recieved any correspondence from them... Please help


First of all, did you get anything in writting from them after the first call you got from them? If not then talk to you AG or DFI. Because by law they have 5 business days to send you something in writting after the first contact from them. Second I would still talk to your AG/DFI because of the rudeness and how they are handling it.

Also if it does got to a lawyer, sometimes you may be able to make arrangements with them before they take it to court. But just remember that seeing as they are a storefront lender they can take you to court. But yet you don't need to be treated the way they are treating you. So send the DV letter (fax) but also send them a hard copy through USPS cert. mail with return reciept requested. Also save a copy for yourself and if you make a complaint to your states AG or DFI send them a copy of the letter also.


lrhall41

Submitted by puddlejmpr on Mon, 10/27/2008 - 16:25

( Posts: 1634 | Credits: )