Need Urgent Help Please

your options are to file AG,AND FTC complaints against this illegal collector.btw since you never got anything in writing you can dispute the debt.in fact do a search in the bar about both the lender and the slime attempting to collect.the idiot broke the law hand over fist with his calls to you.next time he calls tell him you will wait to be served the summons.he will give you some schpiel and tap dance.file the complaints,and ignore this loser he can't and won't do anything he threatens.

You are only obligated to pay the principle amount of the loan. You need to file a complaint with the Attorney General, FTC and BBB in your area. Listen to the advise of this forum.

This is a scam. Ask them to validate the debt. If they don't, you must send them a Cease and Desist letter asking them to stop contacting you.

The way in which the caller threatened you is a violation of the FDCPA rules. You can file a complaint against them with the FTC for this.

Thank you so much for you help everyone :-) He didn't say it in those exact words, just said that if it was handled today that he would be sending a VOE to my employer and then I would have to go to court for the wage garnishment. Will asking for Debt Verification stop them from sending a VOE to my job? I just don't want to go to court for this stupid thing. He said that they had already contacted my previous bank who verified that the loan was deposited and after one payment the account was closed. Is this legal? Can the bank disclose that information without having me on the line even though the account is closed? Also, am I understanding that if it's an illegal payday loan that it's illegal for them to try to collect on it? Or am I misunderstanding?

I am supposed to be calling this guy back by 2pm EST. Can anyone help me further please?

You don't need to call them. They can't and would never do anything. And illegal and fraudulent debt collectors would never take you to court for wage garnishment. Don't worry.

well a VOE is something illegals might fax,but your employer is not required to answer it.btw faxing that doesn't in any way mean anything.they try to sound all authoritative when they are just throwing sh*t at the wall hoping it sticks.let your boss know about this and try not to fret over an illegal piece of garbage.another btw,anybody can try to collect on a debt but must prove the debt is valid.this place hardly has done that by their actions.

to add to the other paul's point.do not call them.it's a waste of your time.

Ok, so should I at least call and ask for a debt validation and tell them they can not contact me at work? Or should I just ignore them? Sorry, but I've never dealt with anything like this before and even though the guy was super nice about the whole thing (acting like he was doing me these favors and "going off the record" etc) it still has me nervous. He even spoke with my manager before he spoke with me but wouldn't really go into any details with my manager luckily. I just want to make sure that I handle this the best way possible, especially since this guy told me that once it gets to this point that there isn't anything else I can do to fix this situation besides pay them.

again he throws scary sounding terms around.they are an illegal collector collecting on an illegal loan.they really on scare tactics like this because they have no other way.if the original lender won't work with you then forget it.file the complaints and ignore this idiot.

ok Paul, thank you very much, I really appreciate it.
And thank you to everyone else who helped with suggestions. I do appreciate you taking the time to answer my questions and help ease my mind. I'll just sit here and see if he calls me back since I won't be calling him. I'll let you folks know if anything else comes from this.

quick update, he already called my cell saying that he just got back in the office and wanted to touch base with me on this matter and that I should give him a call back ASAP so that we can get this resolved. I just really hope he doesn't call my job again.

well when/if this jacka$$ calls your office then hang up on him.have your boss do the same.again he does this to get you to pay when he has no right to collect.treat him like he deserves annd don't talk to him.

ok, will do Paul, thank you again :-)