Payday loan Question

What if the check returns, and my account has been closed, can they bring criminal charges against me?

Debt is a civil matter not criminal

They are saying if I don't pay they will be calling my job telling them I took this money with no Intention to pay, I live in Indiana, they say I will have to go to California to attend court. They say I owe $800 and if I don't pay before the month is up I will owe $8000 because of court fees and attorneys. Is this true or a scare tactic? I'm so lost...

Who is the company?

Scare tactic...

No you don't have to go from Indians to California to go to court. They are so lying to you. If any sues you , you go to court in the county that you live in.
It is a scare tactic, so , please calm down and pay them no mind. They are blowing smoke . Just trying to scare you

If they do take you to court, they have to sue you in the county you live in.

Could you please tell us the company you have the loan through. We could help you deal with this company.

This place is called Financial Account Authority Association (FAA), (213) 784-5745 and they say they were hired by 500cash and they are a legal firm not a debt collector. They made me send a letter stating the dates I would pay and that it had to be done by the end of this month. I had to pay through one of those walmart cards. I really don't know what to do, I'm not trying to get in any legal trouble they say it is considered writting a bad check and stealing. Help me...

First 500fastcash is MTE and you do need to be careful with these as they are on indian land so they claim they don't have to follow laws. But with this legal firm, have they sent anything to you in writing? Because they are supposed to send you a letter within 5 business day after first contact. Next you need to send them a debt validation letter, there are some samples in the do it yourself section at the top of the page. Just change it to fit your situation. Plus you need to contact your state AG and file a complaint against this so called legal firm. Along with the FTC because they are threatening a lawsuit for which they don't plan on doing so. You cannot go to jail for bad checks. They can take you to court, but they can only get a judgment against you. But like stated above, they have to sue you in the county YOU live in. These companies will do anything to scare you into paying, as they did to you. If you still have a copy of the letter you sent them, make sure you send it along with your letter to the state and let them know how they got you to write that. You can file a complaint with the FTC right through their website if you want to. But you can also call them and do it over the phone so you can explain what they said to you and what is going on. They can go after the collection agency/legal firm but they cannot go after 500fastcash. So make sure you get in touch with your state and the FTC as soon as possible. And when you send your DV letter to FAA make sure you send it cert. mail with return reciept requested. So you have signed proof that they got it.

Jason,
I tried to find this company, and could not find anything about them. So I googled the number and it's not good. You need to contact the FTC right away and do not send them any more money. Here is a link to what I found about them. There is even a link in there to the FTC website.

http://800notes.com/Phone.aspx/1-213-784-5745

Alot of people have been getting calls from this so called law firm scam.

Thank you so much puddlejmpr, you are awesome!! Bless you and your family. Thank you again.

So these payday loan places have Indian backing can do whatever they want and not be charged with breaking the lending laws. That doesn't seem right.

true,but they can't do anything to you either.if they tried to sue the exemption doesn't apply.

Your welcome Jason. I wish you the best with this.