Store front loan making collections visit to my home

That is one brave collector. If he steps into the wrong person????????s house he is likely to get a beating or worse??????? Legally he can probably do it until you file complaints with your local law enforcement. I suspect it is no different than having a landlord knock on your door for rent but I am not sure. Next time he shows up dial 911 for an intruder. Tell the police officer that you feared for your safety. Tell the police officer that he was threatening you for a debt. Both of these are illegal to do as a collector. Be careful not to commit perjury though. Then take this report and get a restraining order. All of this can be done without an attorney but it will take a court hearing. If you are lucky the DA will pick up on it for a criminal hearing.

That is amazing--and if they would do that for a hundred bucks, that must be one desparate storefront! What state are you in? And I wonder if that's legal to do in your state?

I live in Texas and he has came to our home 3 times to request payment. She has told him not to come to the house for collections and that she will just communicate by phone.

WOW. :shock: I think I would call your state's attorney's generals office and see if this is legal. Is he being threatening? I can't believe they are doing this for $100.00. I would think as a collector he would be scared to go that far.

Yes he has been kind of threatening say that he's going to file frand charges. I know he can't because the loan was taken out legally. My wife originally got the loan for 300.00 and had paid $200.00 of the balance. This company is a really small company and the collector I believe is actually the owner.

Wow, does he do that with everyone who owes him money? Frankly, how does he have the time? I mean, think about it???

I'm not sure if he does this with other cleints but I have let people know in my city don't use this company and any other payloan company. These products are the worst :oops:

If they do not have permission to be on your property they have no right to be there. Simply request that they leave and inform them if they do not you will call the police. Unlike the landlord who owns property and is collecting rent, the lender has no legal right to be on property you control. It does not matter if you rent or own.. no permission means no right... one exception would be that they had permission from a landlord.

hope this helps

Will do! Thanks that helps out a lot for the help and they do not have any authorization from my landlord

I would also even see about getting a restraining order? It might be worth a shot.

JJ's response makes perfect sense. I think that he could knock on your door but once you ask him to leave he should do so. If he does not then call the police and file a report with them. If he shows up again then get a restraining order.

Just out of curiosity how much have you paid this guy total and has he been overpaid according to your state laws. I know you said that 200 was paid off but maybe that is 200 according to their rules and not according to state law.

I was mistaken my wife borrowed 200$ and wwas to pay back 225$ and she had made the first payment of $100.00.

I would probably just try to pay the guy. Even though hes tactics are a bit wrong you technically owe him $125 it sounds like. I would just try to scrounge up at least a portion of it if you can. If that meant $25 one month and maybe $50 the next two or whatever it might be enough to satisfy him. Calling the police and filing a restraint and simply putting up with this guy would not be worth $125 hassel to me.

Is it legal for this guy to come on to his property though? He has been told repeated times not to come to thier home, yet he still comes. I mean, can't they just call the cops the next time he "drops by"?? I think it's insane! And, dollars, you make sense about trying to scrounge up the money to make him go away, but it's the whole principal of the matter. Some dude coming to your house asking for money? Is he Gweedo working for the mafia? You would think (and I know nothing about Texas) that calling the cops would get rid of him! As far as a restraining order, do you have to go to court for that? I thought you could just go down to the court house and request a restraining order and state why. Like I said, I don't know about Texas, but I think it's totally outrageous! Knocking on your door for payment. You've got to be kidding me!

Now playing devil's advocate here, I wonder what would happen if Chuckles was making his collection calls and one of his deliquent customers had a gun!!! Just throwing it out......

ks, good point. In some neighborhoods, old Chuckles would be laying in a pool of blood with the poor pdl delinquent person screaming "SELF DEFENSE, SELF DEFENSE!!" If I was a witness, I do believe I would say, Yes, indeed, it was self defense. Chuckles had better be careful where he visits!

LMAO!! He did come yesterday and my wife told she grabbed her phone told him she was "going to call the police". She said that he had some rather choice words for her but she ignore it and slammed the door in his face

GOOD FOR HER! Actually he is TRESPASSING!I can not believe what gall this guy has! I'm so sorry for you guys. It's unreal. But good for her & you. Call the damn cops! I know I would. "There's an intruder on my property." That would cover it!

To get a restraining order in Kentucky you first have to go to the courthouse and file for one giving the reasons. Then you both go to court and the judge decides if the reasons are valid and stipulates the conditions of the order. It takes about 30 days to get one.

The guy has been warned enough in my opinion. Since he is being a pain in the butt I would call the police as soon as I saw him knocking before I answered the door. Dial 911 and say you have an intruder and give the address clearly. If you want added effect say I think he has a knife then scream and hangup up the phone. The cops will probably get there in under 5 mins so you will have to stall the guy for a few. Make sure to file in the police report that he has come to your house a number of times and been threatening each time. Be prepared to describe the weapon you supposedly saw. Hopefully that will be enough to get him searched and maybe get him a ride downtown.

The previous post was simply classic!! :lol: :lol:

I wasn't logged in that was me above

I had 2 storefronts come to my house when I was in default-Advance America and National Cash Advance. I would not answer the door. It really upset me that they did it. :(

I actually had a creditor call my landlord and claim that he was trying to contact me to award me some money due to a relative being killed in the WTC attack. I was astonished. No relatives in NY. It wasn't a payday lender, can't remember who it was.

ok I dont feel qualifed to give advice being I am in a situation myself. However, I did see a show a while back about repo men and the State of TX . How in the State of TX you can legally shoot someone being on your property with out fear of being tossed in jail Just FYI.. I know you won't let that happen or come down to that, but citing that law and holding a shotgun, could prove your point not to come to your house again. :twisted:

oh and the show, I forgot the name, but how a repo man was just doing his job, and the man shot him for tresspassing, or trying to steal his vehicle, not really realizing it was the repo man.. and there was nothing the family could do , cause it was the law.

just 2 cents.

dollars, your post was excellent! I was picturing it all in my mind as I was reading it and just cracking up! But, you're right. This gentleman (gentleman?) was trespassing and they have every right to call the police regarding an intruder. I would not open the door for this guy again. Sass, I'm sorry this happened to you. I wouldn't have opened the door either. I think it's uncalled for. To have a pdl come knocking on your personal property is just flat out stupid. And for anyone else who has experienced this, please call the cops. Don't even answer the door. It's insane. It's trespassing. They can call you. They can mail you a letter. There is no reason to come to a persons home.

I know, cannr, I was so upset. I didn't know any better though. I was seriously cowering in a corner of my room till they went away. What a baby I am, huh. Guess they accomplished what they set out to do though....they scared me into calling them. :(

Maybe that is what their whole "tactic" is regarding going to peoples homes. Maybe they figure that will get them to come to the store or call them. I'm sure it worked! I'd still be hiding 5 days afterwards! However, that does raise a good point. After all, they are mean and ruthless. So maybe their way of thinking is "I'll knock on their door so they won't ignore us anymore." But I still feel as though it's trespassing.

Somebody actually had the gall to use the WTC attacks as an excuse to collect money? I thought I heard it all.....that makes me sick!

I really didn't appreciate it. I definitely agree that it was trespassing and intimidation.

That is the most ridiculous thing I have ever heard of. To make the trip to your house for a lousy $100.00. Hell he probably has spent that much in gas already just going to and from your house. File a complaint, let him have it.

ladybug

That is horrible to say that about the World Trade Center, what in the hell is this world coming too. This just proves how nervy these debt collectors are, they have no conscience whatsoever, that makes me sick. I hope they all get theres in the end.