CNU - National Credit Works (California)
Date: Tue, 09/28/2010 - 10:51
Dear Forum,
I received a call today from 716-684-9616 on my cell phone from an Agent Smith (a little Matrix anyone?), from the Legal Dept of National Credit Works. He left a message there and then called me at work, where I unfortunately answered the phone. He indicated that I had an outstanding balance from CashNet USA and that they were in the process of doing a background check on me, checking for assessts, and possibly suing me to do a wage garnishment. He also indicated that they were going to attempt to put out a warrent my arrest for some trumped up charge regarding attempting to defraud a financial institution. They said it was going to court and that I was going to end up owing over $2000.
I do have a PDL with CNU in the amount of $315, and I am in the State of California.
My question is this: do they have the right to just automatically sue me, or do they have to make some attempt to collect the debt first? Do these companies typically sue over $300? I have been on furlough since receiving the PDL and have been unable to pay it.
Needless to say this scared me and I just indicated in the call that I was unable to discuss this while at work but would call them back. He seemed amenable to that, although he did attempt to ask questions about why I defaulted, etc.
What are my rights and what can I do at this point?
I received a call today from 716-684-9616 on my cell phone from an Agent Smith (a little Matrix anyone?), from the Legal Dept of National Credit Works. He left a message there and then called me at work, where I unfortunately answered the phone. He indicated that I had an outstanding balance from CashNet USA and that they were in the process of doing a background check on me, checking for assessts, and possibly suing me to do a wage garnishment. He also indicated that they were going to attempt to put out a warrent my arrest for some trumped up charge regarding attempting to defraud a financial institution. They said it was going to court and that I was going to end up owing over $2000.
I do have a PDL with CNU in the amount of $315, and I am in the State of California.
My question is this: do they have the right to just automatically sue me, or do they have to make some attempt to collect the debt first? Do these companies typically sue over $300? I have been on furlough since receiving the PDL and have been unable to pay it.
Needless to say this scared me and I just indicated in the call that I was unable to discuss this while at work but would call them back. He seemed amenable to that, although he did attempt to ask questions about why I defaulted, etc.
What are my rights and what can I do at this point?
I think this Legal Dept of National Credit Works is a scam. The
I think this Legal Dept of National Credit Works is a scam. The next time they call you, ask them to send you a collection letter. In that way, you will come to know whether they are collecting for CNU or not.
If they don't send you a collection letter within 5 days, then you can send them a C & D letter.
