I got a call today from them and they were not ve

I understand your situation. You are going through a stressful time. If you really owe the debt, then request them to give you some more time for repaying the debt. You can also consult a credit counselor and attend a free counseling session. The counselor can tell you how to pay off the debt through effective money management and budgeting.

Yes, make sure they are collecting the correct amount and are the correct entity to be doing the collecting. What is the debt and how old is it, as well as what state are you in? Have they sent you anything in the mail yet? By law they have to send you a collection letter 5 days after initial contact. You can send them a debt validation letter to make sure everything is on the up and up.

Don't talk to them on the phone anymore if it stresses you. You actually have an excellent excuse to ask for a limited cease & desist (a bit of a controversy on if they work or not) but honestly if it gets to court I am sure a judge would understand if your letter to the CA you stated something like this:

'please limit all contact with me to united states postal service as I am in a very delicate health situation at the moment with my pregnancy and your phone calls put an undue amount of stress on me that is not good for my health nor that of my unborn.' I don't see ANY judge not granting you that.

At the most they can sue you, but that would make them look worse then evil....imagine standing in front of the judge against a very pregnant woman who is on bedrest...and I bet yours is considered a threatened pregancy? That is an assumption on my part, I had the same thing, I got put on bedrest from 6th month on out.....they would look just evil....especially since you told them that you would pay your debts once you were back on your feet.

Besides, don't agree to pay anything until they can validate the debt properly, especially if the debt is old and is owned by a debt purchaser.

its from April 28th 2010 for an online pay advance, I am in Missouri.. No they haven't sent me anything in the mail at all and I asked them to mail me something and they said they couldn't or wouldn't and I told them I wanted proof before I send them money.
Yea, I was on home ivs for a few months but bedrest the whole 9months. Its been so rough.. How do I go about sending them a letter stating that for them to only contact me thru the mail?! I asked for their mailing address because I don't have a bank account and they want me to send them money and they wouldn't give me an address and said for me to get the pre-paid card and put money on it and call them with the card number

Payday lenders must be licensed in the state of MO. Was this even a legal loan? What's the name of the lender?

OhioGal1 I know I did it online in April and this is going to make me sound like a horrible person to be honest with you I can't remember. I was a flight attendant and flying all over the place and my check was low that month because i took a vacation. I think it was usfastcash.com I am 90% sure b/c that is the only place I had ever taken a loan from and that name is in my head. when this ACS GROUP called Mr. Steve Sims wouldn't give me the name of the company or their address. He just gave me my social, my email addy I used, my home address which is here in MO, and my old cell number.

US Fast Cash is not licensed to lend in the United States AT ALL! Can you look at your bank statements and see who was withdrawing the payments? I'm betting it's GECC (which is USFC). And, if that's the case, I would just tell this guy to FOAD. It's an illegal loan you probably already overpaid and uncollectable.

I can't look into the bank account because it was so overdrawn usbank closed my account and I owe them over $500 now because of this.. are you kiding me? this acs group has called me 3 times already and i did answer once and I lied because he said " i am trying to put a hold on your case " and I said well I am in the hospital. he said okay have your mother call me.

Do you remember how much you initially borrowed and what your rollover fee was? I'm assuming you borrowed $300 and were paying $90 per paycheck until you bank closed your account. If these went on for nearly a year before your bank closed the account then you've probably overpaid this loan by close to $2000. The next time these people call, I would simply tell them you've become aware of the fact that this was an illegal loan to begin with, that you've already paid them WELL over the amount that you borrowed and they won't be getting another dime from you. I would also send an email telling them your bank account is closed, you revoke any wage assignment you may have signed and you've made your employer aware of this illegal loan. Give your employer a copy of the email, just in case. After that do NOT answer the phone when they call. Tell your friends and relatives that you've been a victim of fraud and to simply hang up when these people call. They will eventually leave you alone but the more you talk to them, the more they're going to keep trying to steal your money. You owe these people NOTHING!

Also, I would go into your bank branch and sit down with the branch manager and explain this situation. Tell them that the withdrawals from your account were illegal and unauthorized because these people continued to take money from your account well after the loan was paid in full. See if you can get them to reverse some (or all) of those fees that were caused by these fraudulent withdrawals.

Also you could simply tell them, "Well if you can't even state WHO i owed this money too i guess I don't owe any eh?" You can tell them on the phone to send you a letter then hang up. if they call simply ask, "did you send the letter?" if they answer no then *CLICK*. Do it every time.

You are NOT expected to pay ANYONE who simply calls you up demanding payment, especially if they are so shady as to not even offer to send you a letter or even give you their contact information.

OHIOGAL1. I contacted the attorney general here in MO because after I checked this post and I told the ACS GROUP to not contact me unless they were going to send me paperwork US FAST CASH called my phone. I called back and some guy answered saying US FAST CASH and then my sister called and they said USFC how can I help you?! I have not talked to them at all they have called my phone 4 times in the past 3 hours! The loan was for $600 and they want $895 now or they are going to send a court summons and come get me for this... I had called my grandparents b/c last year some people were doing the scare tactics so badly they scammed my family out of well over $1000. And then tried to take more out of their account and visa looked into it and noticed it was FRAUD and they got all their money back!! So just don't answer the phone calls?

right in fact do as all others have advised,but you and anyone harrased by this illegal bunch of humanoids need to file police reports as their threats are against the law.then ignore their sorry a$$e$.also i have dealt with US FAST TRASH as well,and they or anybody that tries to collect on their illegal loans can do nothimg they threaten,and the old"we will hold the case"is total BS and fraud,and a scare tactic.do not pay these losers another dome.you owe them nada.

Paul,
thank you so much. Its just so hard because they are harrasing my mom who has stage 4 cancer, they are threating to come to the hospital and take me away from my child when she is born, to arrest me at my moms house, ect. Its so scary and its so unreal. I have never feared more than I do now. Being at home alone 24/7 being over 9 months preg and my better half being overseas I am scared. I just want the phone calls to stop . I have contacted the attorney general in mo and wrote on here about it because noone deserves this treatment. I googled us fast cash and read what other people are going thru the same thing. I have almost lost my job because of them. My grandparents were so upset with me because they believe them but now they know better. I wish these jerks would just disappear. I almost want to contact a lawyer and have them handle them. I would love to tell my better half but he has enough going on overseas he doesn't need to worry more about us

Do NOT let these people stress you out. They WANT to get to you, to scare you into giving them money. You don't owe them anything. I would answer the phone 1 time and tell them you know this is a scam and they're wasting their time by calling you. After that, never answer again.

well just know thay are evil and stupid.when they call again let mount RMoff12 erupt.it won't phase these humanoids,but it might make you feel better.also just hang up without a word.they are beneath you and don't deserve the common courtesy of a response of any kind.just a click.try that and have the others do the same.let them do their song and dance.then hang up,no response not a word.just the click.

You mentioned your SO is overseas? Is he military by any chance? If so you should contact his JAG and let them know what is going on...

Don't listen to anything they have to say..just hang up on them. Years ago before I knew the laws I had the exact thing happen to me, single mom with a newborn and some lowlife called me and told me I was a deadbeat mom and that he would personally make sure CPS came and took my baby away because I could not pay my bills. The crazy thing about it is that it was NOT my bill! I was 19, never had a credit card before and this debt was like over 5k in credit card debt..it wasn't even on my credit report.

It is utterly reprehensible what they are doing. Just know that they can't do ANYTHING they claim and they are in fact in violation of so many laws the reason they don't want to give you their contact info is so you can't sue them into oblivion....ohhh you would have such a strong case...these evil jerks harassing a pregnant woman....

now how do you really feel goldenbast.please tell us.lol!btw as for your man OP i salute him and everyone in our military.

Heh it is just those ones who threaten to have your children taken away really makes me see red! I have been on a threatened pregnancy before and stress like that can cause great harm! It goes beyond just being illegal...a person who threatens this sort of thing is evil and nasty and should be flogged.

exactly right and keel hauled as well.i should talk if i made my true feelings for vermin like this known.it would make you cringe.

Not likely. :evil:

Goldenbast,
Yes he is overseas with the military. I am trying to not let him know the stress im undergoing because I know he has enough on his plate with things over there that I don't want to freak him out and worry him more... But def I will let them know and see if they can help. Yea it was crazy they stopped for 2 days haha and then today they started blowing me up again. But i have taken your guys advice and not answered the phone. I was so upset and so angry to have someone try to tell me they are gonna take me from my baby. Because that's not right. And I wish there was a way to just climb thru the phone and just grrrrrrr.... haha I agree these people are ridiculous

You know what? You should check and see if you are a one party state and record the call, get him to say they are going to take your baby away and then take that recording down and file a police report.

I never thought of that!! Will Do.. I Will Answer They're Next Call And Record It