pay day loan help

Have you ever received a notice from them in the mail? what Who is the creditor? Creditors can make all the demands they want but it doesn't mean they are going to get it, it just means they are pressuring you. Did they say or else, if so what was the or else?

What kind of creditor, was it a PDL, a collection agency, or? A lot of times if you've had a PDL, bottom-feeder collection agencies will buy your personal information and try to get money from you. I've had a couple of these "you have 24 hours to pay - good luck!" phone calls myself.

The statute is probably about to run out, usually 4 to 5 years. So they are making a final attempt to collect.

If they call back tell them to send you a copy of the "original" contract with the original lender for you to verify via USPS. Do NOT admit to owing anything. Admitting to a debt by trying to make arrangements can restart the statute, so then they will have another 4 to 5 years to hound you.