no money to pay

they can't have you arrested for owing a debt.they can take you to court,but with your situation they really can't get anything anyway.just wait for the letters from them and respond then.

REALLY?

One man that called (very broken english) said "It is in your best interest to pay the balance in full", or "the police will be by to pay you a visit!"

He said is name was Robert, but would not say which company is was from.

From what I am finding on here both of these payday loans are legal. If they are legal how can they harass and threaten me?

Should I not answer my phone, or what should I say to them when they call?

You SHOULD file complaints with the FTC and your Attorney General, asap!

How do I go about filing the complaints? Email, Letter, Call?

well then one of the loans charged off and sold it already.because what the person did was against the law.debts are civil matters,not criminal ones.you will not be arrested.tell the dope you know this now.listen to him get uptight to say the least.

Its only been 3 weeks ago since I missed my payments. They sell the loans off that fast?

apparently so.or they think they are above the law.no legal company would be so blatant and illegal in there threats.

I am getting calls from an attorneys office now. They will not give me the name of the firm, only they mans name is John. He will not give me an address, phone number, or anything. But he says that I am going to be taken to court on fraud and I will also be arrested because it is a criminal offense for passing bad checks.

that is more than likely a collector lying.you cannot and will not be arrested for owing a debt.debts are civil matters.i suggest not talking to these people again.you cannot pay and the threats are ridiculous.plus the number probably doesn't say a name on the caller id.that means it is blocked.the pdl sold it to a bottomfeeding collector.again try to recognize the number and ignore it.

does the person who's calling you saying their name is robert have a very heavy accent? if so they are a scam and are not actually representing any company. they are a scam out of india. alot of people on here have written about them, i've gotten calls from them many times.

Are you getting a call supposedly from an attorneys' office and are they telling you to call yet another number about your "case?" Seems that's the "in thing" for these bottom feeders to do, anymore. I'd take paulmergels' advice and try to ignore the calls.

Ignore them..change your phone number if you can, take care of your most important bills rent, food, etc....I had some luck signing up with a temp. agency until I found a permanant job. Good luck:)

Doesn't sound like Robert really works for these companies, both of which are licensed lenders. It sounds like he's one of those scammers they describe on other threads on this board. Basically, some company in India bought up a bunch of old payday loan data and is now using it to terrorize Americans into paying money they don't really owe. Anbd since they have the data, they pretend to be calling for the victim's "real" creditors so that they sound authentic.