Arrowhead will be the death of me!

did you file AG complaints?if not do so.what state are you in?
if you are in a state that prohibits pdl's they are responsible for knowing that.i wouldn't worry about them.just file that complaint asap.inform ARROWHEAD that you are doing this.also file complaints against all agencies that contacted you regarding this loan.

I live in New York. I know it's illegal. The AG 's office sent me a complaint form. How can Arrowhead have a contract that trumps NY state law?? I mean is that even possible?

Also,

If they supposedly removed my account from the collection agency they used, why in the hell am I still getting harassing phone calls!!!!!!!!!!!

This was my email to her:


Katie,


If your company withdrew the debt, why am I still getting harassing phone calls at work? As a matter of fact, I got 6 today! I now have on my voicemail a company stating they are trying to collect a loan i had with Arrowhead Investments telling me I'm going to be fired from my job ( illegal according to the Fair 1) arrested ( again, illegal according to the Fair Debt Collection Act) and they left the same messages with my two references ( illegal number 3).

What do you suggest I do then? Because according to the New York Attorney General's office, there's lots of actions I can take....specially considering you told me that the company no longer has my debt.


Regards,

Jeruza Alves ( I am a female, by the way)

no illegal pdl trumps NY law.fill out the AG complaint form as good as you can.then inform whoever is calling that you have done so and hang up.try to get a name of the place they are claiming to be.try to get an address then hang up.this place is a bottomfeeder pdl who was put in there place by my IL AG.just fill in the complaint form and don't talk to anyone contacting you about this.

Very nice email. Because they are illegal in NY, the company doesn't really have a leg to stand on. They will try to get their money back though, so be prepared for some more phone call's until everything gets straightened out.

So I'm looking over at the paperwork I originally signed for Arrowhead and this line is making me very nervous:

"Governing Law: Both parties agree that this note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the lender is located, regardless of which state you may reside, and y signing below etc etc....

and obviously I signed it. So, does this mean although New York says it's illegal...that it doesn't matter because I signed this?

This is so frustrating!

The companies are supposed to go by the laws for the state you live in, therefore they shouldn't have lent to you because PDL's are illegal in NY.

My dear friend Katie, can be a pain in the behind but if you e-mail her and her associates you will get a paid in full.

all illegal bottomfeeders have that in there contracts.it still doesn't matter.when i first started my battle with the illegal bums.i thought the same thing,but my AG put my fears to rest and it's been a good ride since.also the people on this forum helped me too.

Two parties in aggreement cannot change the law. Only legislature can change the law. That would be like someone from NY placing an online bet in Vegas because the gambling establishment is in Vegas. He would still be breaking NY law regardless of who signed what! That would poke holes in every state law there is.