payday loan default in nc after 4 years

They can't do anything to you because payday loans are prohibited in N.C. They're just trying to scare you, I would totally ignore them, if they call, hang up immediately.

So even though the loan was out of state & live in NC, they still can't do anything? They have even called my sister saying that they have criminal charges they will file against me & telling her my business. It's been over 4 years & she told me it was Hunters associates. Have you heard of them? Don't know where they're located.

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do a search in the bar above.total bottomfeeder that can't,and won't do a thing except call and stupidly threaten.

I also highly suggest that your file a compliant with your state attorney general.

thanks sooooo much for your help in this matter. All I remember about this pdl is that it was online & is no fax payday loans company who appear to have nothing better to do! Again, thanks to all of you!!

Again today I get another phone call from these people & they called me at work, again & told a fellow employee that it's a legal matter to get me out of a meeting to talk with them about they need me to set up payment with them today, before they file legal papers! What is there problem???

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Okay I will, it's just annoying when they call my job & insist on speaking w/me even when I hang up on them. Thanks for the advice!

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You are such an inspiration, they just called again, someoone stating that he's an investigator w/Hunter & Assoc & contacting on my behalf for. The pdl company is no fax payday which is online & he has no address for so I told him to send me some paperwork because it's been over 4 yrs & if they really wanted to contact me they could have 4 yrs ago. The number that came up on my caller id was 678-954-7300. I can't find a hunter assoc investigation & also left message for me to call him at 877-322-2023 ext 1010. Are you familar w/any of these numbers or Hunter & assoc?

I just searched Hunter & Assoc firm which is in Lithonia, GA It's a company that searches for baby fathers, debtors, criminals, etc. How are they working in my favor & I didn't hire them?

debra4303

Lets look at this from the beginning. You defaulted on a PDL in 2005 when PDL's were legal in NC. Based on this, if they were a legal lender, YES, you can be taken to small claims regardless of the fact that PDL's are not legal now. You need to provide more information for anyone to give you ACCURATE advice. Please get the name of the lender for more assistance. The fact that Hunter is a bottomfeeder, does not automatically negate the validity of the debt.

She said the name of the pdl is Nofaxpayday.

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[QUOTE]North Carolina Statute of Limitation Express or implied contract, not under seal: 3 years[/QUOTE].
Looks like this debt is past the SOL anyway. Click the link below to read about N.C. SOL laws:
http://www.fair-debt-collection.com/SOL-by-State.html#34

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the name of the payday lender is no fax payday loan which is an internet payday loan company. Why wait after 4 years when I still live at the same address & work at the same company but had to close my bank account because of all of the essesive transactions?

so what do I do?

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By the way, any type of legit collection agency already knows they must adhere by the FDCPA (Fair Debt Collection Practices Act). The fact that they are not leads me to believe they either aren't legit, or they are hoping you aren't familiar with your rights through the FDCPA.

okay I did tell them that the last time they called me & I haven't gotten another phone call from them yet. will keep you posted

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Just remember that once a debt is out of statute, it is still collectable. That only means that they cannot take you to court.

I just filed a complaint w/FTC so I'll be sure to keep you posted. Hopefully the harrassing phone calls will stop, especially calling me on my job.

I've been reading over some of the other posts & was wondering if this collection agency/firm can garnish my wages or try to take me to court whether or not this pdl was sold to them? I live in NC & the firm is in GA?

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north carolina is a non-garnishment state.meaning unless for tax debt,student loan debt,or child support.you can't be garnished even with a court order.i would give a WAGE ASSIGNMENT REVOCATION letter to your HR person.this place could try that,but those are voluntary and revocable.

thanks again for your knowledge & quick response! You people are the best! You've helped me as I'm sure, many other people! Again, THANKS!!!!

Please STOP BEING A VICTIM OF FDCPA VIOLATIONS!! A debt collector can not call you and threaten you with criminal action! This is against the law and you can and should sue that company for breaking the law!! Check your recording laws in your state and start recording the calls and keeping the messages. File a complant with your Attny General, FTC and BBB and take them to court. They can pay YOU up to 1000.00 in fees because THEY are breaking the law. Do NOT hang up on them, stop being a victim and take a stand against crooked debt collectors. I was a debt collector for 15 years and as long as YOU let them do this to you they will continue to do this to everyone. There was a great NBC Dateline special about this. Same thing.. calling and protending that criminal charges will be placed... well the company got sued, shut down and the owner went to jail. If you need anymore info please look up FDCPA law violations via google.

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^^ that is true.. i had filed police reports for companies harassing me at work (mostly to satisfy my supervisors who were upset at these phone calls coming in for me..)
the cops said the same thing.. nobody will trace these companies for you.. if they spoof their caller id, etc. than all you can do is file complaints.
i still urge everyone to file these complaints, because there is always hope that they might make a difference one day.