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Help PLEASE! Lawsuit threatened. Check Fraud Charges.

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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.

Thanks.




If it makes any difference, I live in Pennsylvania.

Sub: #1 posted on Thu, 04/29/2010 - 06:35

anc526 anc526

(Posts: 192 | Credits: )

this is a scam collector as of last year all pdl's were prohibited,and you are in a non-garnishment state.file AG complaints against this bottomfeeding piece of garbage.they can't do anything they threaten,and you only owed the principle borrowed.if the amount in fees met or exceeded that.then this place can piss up a rope.even if you didn't pay the principle then you only owe the principle.this place illgaly lent in a state where pdl's are prohibited,and they can't garnish.there will be no court date,and they can't do squat with your license.those are bottomfeeder threats.file the AG complaints asap.

Sub: #2 posted on Thu, 04/29/2010 - 06:38

paulmergel paulmergel
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First you need to confirm from them that whether this accounts are in collections or not..It can be possible that the collection agencies are giving you threatening calls to get this debts paid off asap!!!!

Sub: #3 posted on Thu, 04/29/2010 - 06:55

shane rogers shane rogers

(Posts: 33 | Credits: )

Thank God. Cause they are trying to say I illegally borrowed the money. When I took the loan out last year the information I gave them was valid, but now my phone number changed and my 2 references moved away.

I just want to make sure I won't be charged with check fraud. Good to know I wont be. When I talked to my mother-in-law she said she doubts they'd take me to court over a $400 debt. Even if they won and had their court costs covered, if I have no money and no assets they can't collect on nothing.

Sub: #4 posted on Thu, 04/29/2010 - 06:55

anc526 anc526

(Posts: 192 | Credits: )

Think about this logically for a second, what does your driver's license have to do with your debt? Seriously? This cracks me up! They will say anything and everything to scare you into handing over your money.

Sub: #5 posted on Thu, 04/29/2010 - 06:57

OhioGal1 OhioGal1
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Quote:
Originally Posted by shane rogers
First you need to confirm from them that whether this accounts are in collections or not..It can be possible that the collection agencies are giving you threatening calls to get this debts paid off asap!!!!


it's an illegal loan shane.it doesn't matter if it's in collections or not.this is an illegal debt.everything they are doing is illegal...nuff said.

Sub: #6 posted on Thu, 04/29/2010 - 06:58

paulmergel paulmergel
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That sounds like LMK (Lieberman, Michaels and Kelly) I am well aware of their tactics. Read this article http://tinyurl/limike They have threatened the author regarding it! They are as Paul said a scam! They try to collect on illegal loans with illegal tactics. It is juist a matter of time before they are taken down like the other Buffalo NY bottom feeders have been. That is where they hired their collectors from!

Sub: #7 posted on Thu, 04/29/2010 - 07:24

Frogpatch Frogpatch
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File a complaint against them with the FTC and the Buffalo NY police dept. who actively pursues scum like them

Sub: #8 posted on Thu, 04/29/2010 - 07:29

Frogpatch Frogpatch
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I took out about 8 payday loans via the internet in 2008 and got over my head ($2500). I closed my bank account about August 2008. I received several emails from some of the companies, sent them letters stating I would report them to my AG and BBB. I live in Nebraska. When I researched the companies, I could not find any that were licensed within my state. As well, at the time, all payday loans were required to be paid within 30 days according to NE law. All was quiet until this week, yes, almost two weeks later. I had one very rude guy call named Paul. He has called twice in two weeks stating I committed fraud threatening that he was filing court actions within my county. He stated he was from some law firm in California, but the caller ID showed Maryland. The second was from a number in Nebraska for Money and More. She was very nice. I told her I was disputing the loan and she said she would send me paperwork to dispute next week. I have not had to pay back any of these loans and they have not tried to take me to court or garnish wages. Anyone have this same scenario lately? Has anyone been summoned to court two years after the fact?

Sub: #9 posted on Thu, 04/29/2010 - 07:40

Unregistered


One of two things are likely in your situation:

1. The illegal debt was sold to a collection agency, and that's who's calling you. If that's the case, send them a DV letter, CMRRR. They won't be able to validate an illegal loan :)

2. The OL is going through old accounts trying to scrape up money by scaring people into paying them.

Either way, if you've repaid the principal balance, you have no worries.

Sub: #10 posted on Thu, 04/29/2010 - 08:07

OhioGal1 OhioGal1
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