I took out payday loans years ago and wasn't able to pay them all off. I missed one and now I'm in a world of trouble.
A few months ago my mother-in-law got a call from LNKay saying that I was being sued and my drivers license was being suspended. They gave her a number to have me call them back. I called back but it said the number was disconnected.
Fast forward to today. My mother-in-law calls me at 8:30am saying they called her again. They said that they were suing me and that I had 3 charges pending and would be taken to court and have my license suspended. They gave a number and a case file.
This time when I called back I actually got through to someone.
They said I took out a payday loan last year for $400. That I now owe the bank $625 and that they'll settle for $835 since they have to get paid.
They said if I don't that they will have to call the courthouse between 3-5pm today to tell them to record the charges and have me served. Then my references will be summoned to testify. They said that if I'm charged with check fraud I will lose my license for 3 years.
They have me absolutely terrified. This was an internet payday loan that I gave my bank account information to get. It was an ACH charge that didn't go through.
What scares me is that they managed to find my mother-in-law, the fact that I own a house, my husbands name, and my new bank account information.
Am I really going to be charged with check fraud and lose my license? Please help, I have to call this guy back by 3pm and would like to know what to do.
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