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Date: Tue, 09/22/2009 - 07:35

Submitted by vivianatijerina
on Tue, 09/22/2009 - 07:35

Posts: 17 Credits: [Donate]

Total Replies: 9


I owe several payday loans that I have defaulted on. when I applied for the payday loans of course I put my references which were my sister and mom.. I just came back from maternity leave and I am finally getting back on my feet and intend to pay these people back every penny I borrowed. I did not intentionally take out money and try to commit no type of fraud. I kept paying more then $700 bi weekly to these loans in interest until I just couldnt do it anymore my rent and car were getting behind I didnt have no food, etc. I finally decided when I went on maternity leave that I was not gona be able to pay them anymore until I came back to work. I put a hold on my acct for no withdrawls because they tried drafting from all these places and left me in about $1000 nsf's.. my bank was kind enough to put a hold on my acct and let me pay them back monthly. Now I am getting calls from ACE harassing me telling me I committed fraud. Well my sister got a call telling her that I had commited a fraud and that she was involved with it because she was my reference. She called me scared telling me what I had done I told her I didnt commit no fraud just to ignore them that I am gona try my best to figure out how to pay them.. well this guy calls from this number 562-606-1188 which I cant even look up as no attorney office and he claims to be an attorney and left my sister a nasty message stating that she is helping me commit fraud and that we are gona be sued. Can these people actually do that and sue both me and my sister when she had nothing to do with it and I never intentionally commited no Fraud but they state I did. He hasnt told my sister what company he is representing or anything he just keeps sayin i commited fraud yelling at her. I live in San Antonio, texas and owe 4 store front payday loans. ace 1290.00 american cash advance $1050.00 ez money $1200 and cash n go $580.00. do you think if I call the corporate office they can help me with payment arrangments?


to the OP yes call corporate for all of them.also inform them that there employees are threatening criminal action when that is not allowed.they should be helpful.if not,file AG complaints against them.debts are civil matters not criminal ones.i would have your sister just hang up on this person if they keep calling.


lrhall41

Submitted by paulmergel on Wed, 09/23/2009 - 06:19

( Posts: 15514 | Credits: )


im sorry yes I have defaulted on all of these payday loans... I am actually trying my best working overtime to get the money to pay them off but its so difficult.. I have told my sister to ignore them the funny thing is this person keeps calling my references doesnt tell them what company they represent only say i commited fraud and but have not called me nor left me anytype of messages for me to call them. Can they prosecute me for Fraud like they said?????


lrhall41

Submitted by vivianatijerina on Fri, 09/25/2009 - 08:39

( Posts: 17 | Credits: )


DO NOT send this "law firm" out of California any money. It is a scam out of Long Beach. They seemed to somehow have phished information on overdue payday loans online or those that have applied for a loan. The person above that posted loan defaults are civil matters is correct (assuming that you did not provide false information or impersonate someone else in getting the loan, which obviously you did not). The only case against you would be a civil breach of contact matter which most organizations would not even file for the amount of money owed (if less than 5K usually not worth the effort to sue). I have contacted the Attorney General's office out of California and filed a report. They appear to be of Indian decent, and are very hard to understand on the phone. I have spoken with one person and he became irrate when I refused to send any money and asked him for the firm name and address as well as his supervising attorney. A legitimate collection agency will send a letter to you in the mail followed be a phone call and will provide an address as well company information and the name of the original debtor. By the way I do work for a real law firm, so he didn't realize he messed with the wrong person! Tell your sister not to worry and simply to ignore the phone calls.


lrhall41

Submitted by on Fri, 09/25/2009 - 12:24

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