Ace payday loans salem oregon - Sulphur Springs

A few clients have told me that they’ve received phone calls from a collection agency, threatening jail time for not repaying payday loans. The typical caller identifies himself as a “federal officer” who will be coming to arrest the borrower in the next few hours unless payment is made by phone immediately. Another version involves telling the borrower that criminal charges have been filed in a distant state and the borrower must show up “next week.”,The Internet Crime Complaint Center (IC3) continues to receive complaints from victims of payday loan telephone collection scams. [T]he typical payday loan scam involves a caller who claims the victim is delinquent on a payday loan and must make payment to avoid legal consequences.,Callers pose as representatives of the FBI, “Federal Legislative Department,” various law firms, or other legitimate-sounding agencies and claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S.
Cash Net, or other Internet check-cashing services.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment in attempts to obtain payment. The callers refuse to provide information regarding the alleged payday loan or any documentation and become verbally abusive when questioned.,The IC3 has observed variations of this scam in which the caller tells the victim that there are outstanding warrants for the victim’s arrest. The caller claims that the basis of the warrants is non-payment of the underlying loan and/or hacking.

If it’s the latter, the caller tells the victim that he or she is wanted for hacking into a business’ computer system to steal customer information.
The caller will then demand payment via debit/credit card, in other cases, the caller further instructs victims to obtain a prepaid card to cover the payment.,The high-pressure collection tactics used by the fraudsters have also evolved. In one recent complaint, a person posed as a process server and appeared at the victim’s job.

In another instance, a phony process server came to a victim’s home. In both cases, after claiming to be serving a court summons, the alleged process server said the victim could avoid going to court if he or she provided a debit card number for repayment of the loan.,I was contacted by a caller who identified himself as an attorney assistant and that there was an arrest warrant for me and that I could pay 456.89 to avoid going to jail is this possible or even legal.
I did default on a payday loan but cant afford to pay it right now,I had a lady call and told me I was going to be home the next day to get served civil court papers on a payday I took out in 2005 but I could be told about it if I called this number. So I did call and a lady answered and I gave a case number that the lady before gave me and told me to hold on so she can the the person that was handling my account.

He told me that I have a choice to pay $400 now or pay $806.60 in 4 installments so he ask me for a debit card number. So I gave him a prepaid card debit I dont use anymore and he sent me a pdf and I had to verify it with a third party. Can they do anything to me after 8 years?
I live with my mom, I am unemployed, and I dont have anything to give right now until I get a job. Can they put me in jail or take anything I have?

I live in Pennsylvania.,Please read the original post carefully. Absent fraud, you cannot be arrested for merely defaulting on a loan.
Many times, the callers arent actual debt collectors, but scammers hoping to scare you into giving them money. If youre concerned, you should speak to a local attorney. I dont give legal advice on this blog and am not licensed to practice law anywhere other than Wisconsin.,Hey Bret I was contacted today by a phone number in Texas. No company but I was told I had until 10am tomorrow to go to my local Walmart and money gram them money or he would electronically have me charged and my local sheriffs dept would pick me up.i live in CA and he said he does it for 38 states.

When I google the number it comes up Houston Locksmiths. Its supposedly,for,a,pay day loan and writing a fraudulent check for it. Please help!
I want to save embarrassment.

Thank you!,Please re-read the original post. Anyone threatening arrest for a simple default is either a scammer or a legit debt collector violating the FDCPA.
You cannot be arrested for defaulting on a payday loan, absent fraud. And a simple default is not fraud in any jurisdiction of which I am aware.,I did received a call about two weeks ago from a legal officer of FBI, “Federal Legislative Department,” for a payday loan i took from US Cash, totally, $648. At first i taught it was legit since i did took some pdl some 3-4 years ago.

The encounter was pressure cooker, i was only able to say that i would see what i can do the following Friday.
I did observed the accent is not American and I sensed that something was not right about been arrested and going to jail for a mere $648. I just couldnt pinpoint it.,All my plea seems to be met with threat of going to jail if i dont pay off the loan.
Then i just decided to get tough with these guys. I told him I can only do a $100 dollars on friday. He could either take it or leave it and I reminded him that our conversation is been recorded and that at least, who ever will be prosecuting me will know that i did offer a payment plan (I stll taught it was legit),Thank you so much for ALL of your posts!!

I had someone call and tell my very sick mother my license was going to be suspended as of today and an arrest warrant was going to be out unless I show up to court a week from today.. They said it was for a payday loan from 2008 that I defaulted on..
Of course I couldnt remember it and they had my address from about 6-7 years ago.. They terrified my mother and myself and I almost paid!

Thank you again! Great help on this site!,I live in North Carolina and I do owe on a pay day loan and Im was not able to pay it just yet.
Can I be taken to court? or put in jail?,I have a 2006 payday loan they call me today what can they do to me after 10 years,I have been contacted by someone threatning check fraud because i got a payday loan and payed on it several times then i lost my job and couldnt pay it anymore. Can they file charges because checks bounced.,I know this may not sound right but Texas courts are throwing people into jail for not paying on their payday loan.Crazy but true.
Im not sure what the other states are but it may be prudent to check out what has been going on. I would hate to see anyone go to jail based off of your advice.

Your a good man with a big heart. I know this because yo take the time to help people on your website for free and thats wonderful. I saw it on this web site and several others. Apparently there are still debtor prisons in the US after all this time. I think its utter nonsense.

This country has become so misguided and off the path. Ill leave a link to the one website that I remember. Hope everyone and yourself are all healthy and happy.,First, Im not giving advice, just information.

Second, there are exceptions to every rule. Even in Texas, the law doesnt allow people to get thrown in jail for merely defaulting on a loan.
The few that have gotten imprisoned didnt know their rights, and the judges just took the lenders word for defaults.

Had those people been represented, they *likely* would have been fine.,I applied for a loan but i never received the loan but this so called law offices of jonny dean called me and told me i have 3outstanding warrants out for my arrest..i was confused! I calledback to let her know she has the wrong person..then she told me their would be an officer at my door in the next two hours and hung up on me!so i called them back and went off on her! I called back about 12 times and left on their voicemail..SO HOW DOES IT FEEL TO BE STALKED!
I was angry about the whole situation so reading this is like a easeTHANK YOU.,hey i live in wisconsin and i did an online payday loan about 18 months ago. i could not pay it back because i got laid off from my job,anyway i got a call the other day saying i was gonna be charged for bank fraud i know my rights and i went off on him he said they were gonna serve me court papers i said ok im home come serve them then then i vented and told him to get [lost] never heard from them again no you cannot go to jail for debt,I was contacted from Kwa services in PA stating I was going to be arrested from 2013 default payday loan,I reside in Tennnessee and when I asked for his mailing address I was told to money gram or need my debit card. He was turning it over to the Tennessee district attorney. Can I really be arrested?,I received a call this morning on my cell and work phone, and yes the caller was foreign, but when i answered the first thing he asked was if i had a lawyer and if so i needed to call him.

Then he went on to say that criminial charges had been filed against me, but never told me what the charges were for. He gave me a telephone # to call and a guys name to speak with to find out what the charges were for. But the funny thing about it was the # that he gave me was the exact same # that he called me from. And when i called the # I never asked for the name he gave me i just told him i was calling regarding a call that i had just received and oddly enough the person that answered the phone just happened to be the person he told me i needed to speak with.

Anyway he got really rude and told me that i owed for a pay day loan that was taken out back in 2005 when i lived in California, mind you i live in TN now, but to make a long story short, he told me that intead of trying to collect on the loan theyve decided to press criminal charges against me for fraud, stolen money and some other stuff he said. Then he went on to say that the warrant had been served and the police would be at my place of employment within 2 hrs to arrest me. But since i dont have a criminal record he put me on hold to check with the restitution dept (supposedly) to see if there was a way to avoid me going to jail today.
And of course there was the only way to avoid jail time was to go to my nearest Wal-mart store and purchase 2 pre paid visa cards totaling $805, then call them back with the card #s and their accounting dept would do the rest.but the icing on the cake was that he could only give me 45 minutes to do this or the papers would be filed. But i thought the police were already on their way!!!!!!!!!

So i politely told him ok, im on my way to Wal-mart and hung! I take responsibility for the defaulting on the laon but the people are relentless!!!!! What shoul do if they call back?????,i received a phone call from a supposed paydayloan place,it was in regards to defaulting on a payment on 6/15,i informed the lady i was still unemployed and wasnt able to make my payment.she informs me ill be served w an arrest warrant and papers for the non payment agreement.can i be arrested?,You may be served with a summons and complaint if the lender decides to sue, but you cant be arrested for simply defaulting on a loan.,I just got off the phone with someone saying they would be picking me up in 2 hours for a payday loan that I didnt take out.my ex took it out and withdrew the money within hours of the deposit but since the bank account had my name on it they came for me nd Ihave no clue of how to find him nor do Iwant to find him.
The lady said the payday loan was for $200 nd I have to pay $600 today in order to settle out of court. I told Icouldnt do that as I just had a baby and Im trying to get back on my feet. She said well good luck nd they would be here to pick me up within 2 hours.

They told me Iwould have to $2100 if Iwanted to get out of jail.this is crazy!,I took out a few payday loans like 5 years ago, things got so overwhelming that I could not repay and ended up closing my bank account. I filed for BK this year to try to get a fresh start.
Ive received a few calls from a company called settlement Adjusters from an agent Johnson who said they need a statement from me on why I havent paid, I told him i filed for BK. He said that didnt matter because they were preparing for file criminal charges against for Check Fraud and he was gonna recommend garnishing my wages.

Is this true? Can they really do that? I reside in CA.,If you actually committed check fraud, your bankruptcy would not make a difference and you could be criminally charged.
However, this would be done by the District Attorney, not some debt collector.

Its highly unlikely that simply defaulting on a payday loan would bring criminal charges for check fraud.,I was contacted by a collection company on 5-12-14 stating I will be arrested immediately if I didnt call Stateside Mediation within 1 hour the debt is 7 years past and I wasnt able to pay can they issue a body attachment on me ? Ive since filed Bankruptcy which was discharged in Jan 2014 and forgot this loan !! Will a motion to BK court stop this action and can they arrest in so Calif.?,I got a call today from a MR. Johnson also . was he in Texas. he threatened criminal charges against if I did not the pay day loan( which I dont remember)within 48 hours. When I started asking a lot of questions he stared getting aggravated.

Claims he was an investigator for North Star and Sagamore.,Thanks for sharing.
As long as you dont agree to give them any money, you should be fine. But I usually recommend just hanging up when someone threatens you with arrest for simply defaulting on a loan.,I had someone call and say they were going to file a lawsuit against me for a online loan but i could avoid it if I paid the $460. Is this legitimate, if I pay them the money am I paying the loan?,I had someone call and tell me they where from an attorneys office and that I had a lawsuit against me from a payday loan company and if I didnt pay they would have cops coming to my home or work to pick me up within a few days and they even had my address and bank info and work number and was calling me at work also had work address I ask for paperwork and he said until I paid in full I could not recieve it,,,,is this real or scam dont know what to do, ive gotten payday loans before online but didnt these and I was thinking they stole my info off the computer is this possible, they are all foreign men,I got one a couple years ago that knew my full Social Security number told me my ssn my name where I work, said I would be arrested the next day for defaulting on a payday loan that I never got.

Do ppl really pay these ppl money??
It scared me so I canceled my bank acct changed banks bc they also took money from my acct my bank would not dispute it. I also put fraud alerts on my credit. everytime I changed bank accts for the next year money kept being pulled out by these ppl.

I finlally went to no bank acct for a year to get it to stop.,I had a lady call me stating that I took out a payday loan in 2008 my acct (bank was closed sometime after (she namesd my bank the online company II took a loan.
I thought it was paid. She left a message on my VM stating I have serious matter pending felony charges. She told me that She is with a company United Recovery Services in Cincinatti, OH.
She said her name.

She told me that she would contact the collector to see if we can settle today in an amt. she placed me on hold for several minutes. she came back and told me if I pay $860.00 today then charges wont be filed, and if I dont then I will be in court tomorrow arrested on a warrant?? I should know better, I use to work for a Criminal Prosecutor. Still nerveracking, I have no job currently NO MONEYgt, i did contact the FTC BBB, and the AG office.
I just want to know if this is a scam? I put in the company online, and there is scam from this # but for other reasons. i contacted the court house they dont do Court tomorrow.,About a month ago I got a call from a guy named Tony from Graves Lafeyette saying that I defaulted on pay day loan in 2009.

After being harassed I agreed to pay on it, but after researching the company online I found that they were not very reputable so I did not pay. Yesterday I get a call from the clerk of courts office saying that if I did not call Graves by 4 that they were charging me with check fraud.
I called told him I wanted proof of who he was and he said he wasnt going to do that and that I needed to pay or he was filing.

I said I did not have it. He said ok I am filing then 2 hours later he calls sounding very muffled from the police department saying that they just issued an arrest warrant for check fraud. Is this a civil matter or criminal?,I received a text message instead of a harrassing call.
I have received some loan documents sent over from contract enforcement for Hawk Blue. Wanted to speck with you prior to filing claim in Los Angeles County, there is a settlement option available.

We need to get resolution in a timely manner before claim is filed and processed. Give me a call or reply here for payment options available.
1-800-370-7706 ext 1124. Ive working with a payday loan debt assistance company and this company was advised and acknowledged this.,I received a very threatening phone call from a man, who stated he was a private contractor when I asked what comany he was from. He then gave me a phone number and claim number to call.

I then placed a phone call to a company called BOR, who stated they were out of New York. (I live in NH) They have told me that due to a default on a $600 loan from American Web Loan back in 2009, I was going to be brought up on fraud charges. I made a few payments to them, and then lost my job.
My checking account was subsequently closed due to the continued negative balance. Is it possible for them to bring me up on fraud charges? They are also stating that my balance is $1700+ now!

Just wanted to get your opinion, as it seems like I am not the only one who is going through this.,Absent extenuating circumstances, defaulting on a loan rarely rises to the level of fraud.
These calls are usually made by scammers, hoping to scare some money out of you. If you are worried that it might be legit, ask for a mailing address in case you decide to send a check. If its a scam, the caller will tell you that he/she can only accept payment by phone. But the best advice for the scams is to ignore them.
Once they know you arent going to be intimidated, the callers will eventually give up and seek out new victims.,My husband is getting calls from a dallas number with a man stating he was a process server from the state of Texas he proceeds to tell my husband that he was in default of a payday loan with interest charges and all over a thousand dollars on a $400 payday loan !! When My husband explained that he was unemployed and could not pay it right now the man told him that he could put him on a payment plan of $29.00 a month and asked for a debit card immediately that he has used within the last 90 days needless to say my husband hung up then Thursday he gets a call from a woman from Alabama saying My husband had 24 hours to return the phone call to an 1-888 number to settle immediately or fraud charges would be filed with the State of Texas .. Now why in the world would a company in Alabama be calling to file charges on someone in Texas hummmmmmmmmm,I got a call from someone saying I owed on a payday loan from 05 and he told me if I dont pay the loan back a warrant for my arrest will be issued I reside in Louisiana.,Bret, Not sure this web site is still active?

I recently got married and a man called my Husband today, stating they are issuing a warrant for my arrest on theft ect: for some pay day loan I took out in college for books. I thought I paid. The guy then called my work making the same demands had all my info SS ect past address.

Going through the past post I can see they cant arrest me or the warrant thing, but can they call me at work and make threats? Mandie,Keep in mind that this doesnt mean you dont have a legitimate debt out there.
Its possible (though unlikely) that you took out an online loan once upon a time.

But even if this is the case, the worst the legitimate creditor can do is sue you. You cannot be arrested for simply defaulting on a loan. Arrests and criminal charges are reserved for those who obtain credit they do not intend to repay.,I have missed my payday loan payment today is someone called me saying that if I didnt give him a call in the next hour that they will put out want for my arrest I would be picked up by the local police can I do that,Hi i received a call today about a payday loan I took out about 8 years ago from Ace I guess I post dated a check and these people say there from a law office and that ace pressed charges against me and I need to pay 800 by today or Im going to jail for a felony and a warrant will be issued to me Im scared what do I do I dont have the money,Is it legal to recieve text messages from payday loan companies?

Can they threaten to talk to other people about your debt, like my employer and HR department? Do you have to give them your debit card information when you dont want to give it?,I have been reading everyones comments they have been very very helpfull, i have been getting the same calls from very high end CAlifornia office saying i wil be arested tommorow at place of employement and thia creditors have called my job, im afraid im devorced mother of 2 who just got employment. Can this really happend in NY i defoulted 3 years ago on the payday loan,I received a call from Williams, Scott Associates at 11:01am today stating that a claim has been put against my drivers licence and my ss# and I need to call them back to rectify the matter before 5pm today or they would proceed with crimminal charges.

I called back at 11:57am and left a message on 206-384-4524204 and spoke withJeffery Williams and he stated that I needed to pay $3330.11 cents by credut card or they will send the Dekalb sheriff to mydoor to arrest mefor bank fraud! The stated that i would have no bond and I will have a court date on Jan 2nd and I will be sentenced to 8 months in prison.
I was very affraid I still am! I kept the guy on the phone I asked him for documents he stated that he could not release the contract it is evidence all he could send me is a email of the letter demanding payment.
He emailed it to me and it looks like a invoice that is demanding money . I notice this letter did not mention any jail time at all nor does it say say anything about Jeffery being the Cheif procecutor requiring payment in lieu of my arrest tonight.

I filed chapt 13 Bankruptcy on this loan and the bank inwich the checks where written out of on this loan in 2008!
I am still in Bankruptcy now until Oct 2013. Jeffery stated that this is a Federal loan that I cannot file bankruptcy on! And that alot of people think that they can and per this contract I signed that is now considered state evidence it states that after 4 years the money is reported stolen and that is what makes it a federal offence because I stole the money and committed fraud by giving false information to obtain the loan!

I asked him haw did I steal the money and you had all my information and that you tried to garnish my wages inwhich prompt me to file chapt 13 in the first place? He again referenced this loan as a federal loan since it had not been paid off in 4 years and I had not made a payment.,I just got the call.
I live in PA the phone number calling was listed in California (So you know one of the numbers to look for, (916)941-5162 ). I instantly responded hostile because Ive never received a payday loan. He told me Id be arrested and extridited tomorrow morning.

I think he realized I wasnt going to give in or ask what do to fix it when I told him , [expletives deleted] He told me same to me and hung up. now he wont answer my calls. What a [expletive deleted].,i got a call on thursday from a guy who says he was a attorney named steve gentrowski he leaves a message stating i was going to be charged with internet fraud and bank lawyers fraud because if a payday loan he says i took out. i called him back and ask who he was and why he says if i didnt pay by dec 28th i would be served with an arrest and charged with those charges. also i researched that this epayday loan he says i took out is no longer online and i looked him up online to see if he was a legit attorney nothing comes up even his phone number is a cell phone he said he worked for goldstein and barone llc and he says he was licensed i also looked that up as well no number for the firm and he gives me a p.o.box for a address and said he couldnt give out the address.
Just want to know if they could charge me for that for a payday loan and is this a scam to get me to pay money over the phone,I just recieved an email from ACS Legal Group saying that I was going to be legally prosecuted within couple of days and that my social security number has been marked as Red Flag by US Government. They are alleging that I defaulted on a payday loan (which I may have but I dont recall ever doing any business with a company by the name of Advance Cash America). They are saying that I will have three charges brought against me: violation of federal banking regulation, collateral check fraud, and theft by deception.

They state that they must hear from me within 48 hours or they will commence litigation for intent to commit wire fraud by use of the internet.
They are threatening to inform the FBI, FTC, my employer and my bank.,The email itself seemed fishy because I dont know if I really have a loan from that company and some portions are written in broken english (like and once you found guilty into the court house), so I googled the company ACS Legal Group and the only things that showed up for it were consumer complaints and a BBB warning to contact the FTC. I did in fact contact the FTC and they essentially told me not to worry about it and that it was written exactly like other scams they are aware of.

Also in googling this, I found that the same exact email but with different contact phone numbers than the one on mine.,I am curious what your opinion of this email is. Does the federal government actually red flag ss numbers?
I did not intend to commit any type of fraud when I got this loan, and I couldnt forsee my husband losing his job.

Can I really be charged with these things?,hi i have a question im in default in my payday loan i called the office but the lady told my i have until Monday to pay at least have or alse is going to court.my question is can it go right away or does it has to go to a collection office first please let me know cause i have no money to pay on Monday. im from Washington state,I took out a loan from 1 of those payday web sites and I was making payments until recently I couldnt make payment. I live in Pennsylvania so they dont have these places I got a call from my job to call I toll free # because the checks came back they called fraud what should I try to do.,I received a phone message today stating that they were going to file a fraud charge against me, presumably for a payday loan I could not pay, when I lost her my employment. We were also informed they had called my previous employer and left a similar phone message, not even recognizing it was a business. They called my in-laws and said they were from the summons department in our county where we live and they wanted to talk to me before they proceeded with a case against me and arrest.

Strangely, I noticed that the phone # was unknown. In my message and that to my former employer they said they didnt have a physical address where to serve me. Seems to me, if this were legit they would have our address. Weve lived here for 7 years.
If this had been from the courts in our area, the number would also have been listed.

Their message said to call this 800 number and extension but they never even identified the company that was supposedly doing this. I lost my job and income.
I cannot pay this at this time. I also dont want to pay a scammer. Ive never received anything in the mail whatsoever.,I have a question.

Me and my wife took a payday title loan. And ive been unemployed the past 2 months.
Im 101 days past due.

So the loan is in default. And the repo guy came to get the car but I dont have it anymore.. he told me that i coukd be arrested for fraud and grand theft auto. I talked to the loan offixe and told me to try their coporate office cuz I had a $500, payment that got refused on December 16th.
He repo guy said I can get arrested for grand theft auto. Is this true or will they take me too court. I was told its illegal for them to use threatening scare tatics.,I was past due on a payday loan so an atterney sent me a letter that the company is issuing a warrant for my arrest and that I may be seen on crime stoppers can this happen,I have had this problem since last year.

A company deposited .02 cents into my account and then withdrew everything I had. I had to close and reopen my account(I had to pay) never have gotten my money back. Then the phone calls start saying I defaulted on my loan and the sheriff was coming for me.

Then it went to I had 24 or 48 hours to contact or I was going to be arrested. They call my house my job. They are forgein with American names.
I had to flag my ss# and turn it in to the creditors.

They have my information!!!
Noe they have started to call (its a American now) and he says they are going to take my drivers and garnisheed my wages for the loan I recieved that I never repayed. I didnt get a loan!

He then tells me that it would go away if I pay him $290.00 I kept asking why would I repay for something I didnt recieve!
He told me himself about the forgein people with the American names, said he has heard about them.,I recieved a call form a man in Chicago. He said i would lose my drivers liscense and be prosacuted for bank fraud. this is from 2009. He told me they have to get the money now because time is running out for them to collect. Thay called my employer and said they were trying to serve me with legal documents. first they wanted a settlement for 1800.

He said i could make payments so he wanted 300.00 a month for 12 months then he wanted 259. then he said he would accept 100.00. If i didnt call him back today it was going before a judge and i would be arrested. my reason i couldnt pay the loans was because i had breast cancer and got a divorced. can they do this?,To reiterate my main point, you cannot be arrested for merely defaulting on a payday loan. Debt collectors may sue you, but they cannot file criminal charges or order the local police to arrest you.,I was contacted today by a man saying he was with Phillips Keith Legal Assoc. saying I have a debt with a payday loan co. He is in Louisiana and said this is going legal and I could be arrested and he needs my attny. name. He gave me the debtor name of American Cash.

Never heard of them. Says there will be a warrant out for me because he is a legal firm. Debt is 800. Could not find this law firm anywhere in LA. He says he doesnt want money only to have my attny call him.
Dont know what to do.,As a matter of general information, keep in mind that you cannot be arrested for simply defaulting on a payday loan.

You can be sued, but not arrested or charged with a crime. (Of course, fraud is a different matter. If you took out a loan with the intention of never repaying it, the district attorney could charge you criminally.) The fact that this caller says he works for a law firm means nothing. It doesnt give his threats any more weight than if he were calling from an overseas call center.,I am getting the same thing. I get a call and I do have a legitimate # if you look it up it says another company but if you call back # you do get same person with a foreign accent.
They ask if a sheriff has been to my door.

They have my last 4 of social security, address, drivers license # and bank name. They tell me I have had loans and now am being charged with fraud legal affadavit they gave me case # and arrest # and told me to go to courthouse tomorrow or he could settle now but would have to transfer me to an attorney to see if we could do payment arrangements. I hung up on him but he keeps calling back from same # what do I do,ID just like to say thank you for this online article.it saved me unnecessary money and a peace of mind! An attorney by the name of nicole tarantino from the law office of thomas keane contacted me from xxx-xxx-xxxx stating that she needed to hear and record my side about an outstanding payday loan before federal charges were pressed against me.at 1st i was scared and started cooperating with her to try to clear up my debt but the more i investigated the more i knew it was a scam.the 1st day she called i learned that i could get my credit report for free annually so i took up the offer.i found out who i originally owed and found out who owned it present day.i contacted the agency and we worked out payments.the gentleman i talked to told me to let the attorney know that we had reached an agreement.when i did so she told me i could be arrested for calling them and that i was really going to pay for it now.she started cussing at me and about the gentleman that id worked out a payment arrangement with.when i let the real agency know they. retracted my file.the next day (2 days ago)there was a local number unknown to me calling and so i answered it.they stated they were officer cynthia from a county id lived in for 10 yrs but the number was from the town i live in now.i told her she had a friends number so she called my other phone number and had to leave a message-which ive saved all of them pertaining to this situation.they said they had warrants for my arrest on federal charges along with state charges.the number they used for my caller id was a non working number.the next day(yesterday) the attorney called and by now id already done plenty of research on this scam so i proceeded to tell a little lie myself.i allowed nicole tarantino to speak briefly then i cut her off and told her if she and her scamming friends ever contacted me again theyd be going to prison faster than they thought.i told her i hoped shed stay on the phone and cuss at me again too because the federal trades commissions and the local chapter of the fbi were recording all of my calls because of them.then i said THEY ARE LOOKING FOR YOU!!!!!!!may GOD bless you always and have a blessed day.she said huh?what?

Then hung up and i havent heard a word since.and NO they didnt get a penny from me!!!!,i have been looking on here about a questions and answers to that question i cannot find one that fits my sitration my girlfriend pulled out loans at 3 different payday places here in ohio they said they need a personal check to do the loan we complied one loan place is due this week there is not going to be enough money in the account to cover the loan and intrest when their systems go to cash that check its gonna bounce and i belive that is illegal here in the state of ohio for a check to do that is there anyway that we can pay them back at a later time without doing anything illegal is canceling the bank account and reopening a new one a way is canceling those checks a way or is putting a freze on the bank account? i intend on paying them back just not on the date that they want it to be so im trying to find ways of doing this so i dont avoid over drawl fees at my bank.,i also found out in the FDCPA that on 818 15 USC on page 1692 section (B) It says that A check is described in this subsection if the check involves,or is subsequently found to involve- (1) a postdated check presented in connection with a payday loan or other similar transactions where the payee of the check knew that the issuer had insufficent funds at the time the check was made drawn or delivered (2) a stop payment order where the issuer acted in good faith and with resonable cause in stoping payment on the check. is this information correct,In general, a bounced check that was presented as security for a payday loan is not a criminal matter. When presented, the lender knows that the funds are not there to cover the check.
There is no intention to deceive or assertion that funds are available and that the check will be honored. State laws vary, but this is the general rule.,Hello- I received a call from an individual who was american statind I took out an internet loan in 2010 from CashNet USA and I have until 6pm today or the file will be released to by state for processing. He said I have felonies pending, check fraud, and internet wire fraud. Can these sort of charges occur from an internet company, I thought these were civil matters?

I did have a loan with them but I thought I paid it off, I cannot remember.
Thank you,If you have any felonies pending, they are not connected to defaulting on an Internet loan from CashNet. You are correct, such loans are civil matters, unless you actually took them with no intent to repay or somehow fraudulently induced the lender to give you the funds.

CashNet may pass its file off to a debt collector, but county District Attorneys rarely (if ever) pursue criminal charges in these cases.,My husband and I told loan companies we were filing bankruptcy about 3 weeks ago and we have retained a lawyer. The loan company still continues to call, text, and call are references telling them we owe them money and wont call them back. Is any of this legal?,I just got a call from a foreign guy who said I was going to be arrested for not paying back a payday loan I never received.
Said that there was going to be a police officer coming Friday to arrest me at work. I am young and was kind of needing the money but after applying to several loan sites they all said they didnt service my area. I never received any money so why would they be bothering me for me to pay it back?

The call was from La and I live in West Virginia. He said I had three charges they were going to file against me today an that an officer would arrest me Friday at my workplace.makes no since to me how they could know that I was being arrested Friday. That set an alarm off in my head that this could be a scam. But if it is indeed serious, and I never received any money from them, how can they charge me with not paying it back?,I got a call from a man in texas said he is a with a bank diversion unit and if I dont pay back a loan I took out in Va in 2009 that he will issue a warrant for my arrest today.

He called from a 512 area code. I do have a outstanding loan and I was paying alittle at a time to another company.He said they sent the loan to him and he works for the states attorney. Why would the states attorney in Texas have my loan papers from Va.

I had heart surgery and cant pay the balance of 500.00 right now.
Is this person right and he can take a warrant out today.,I just reveived a call from an attorneys office Thompson Assoc from Greentown, IN claiming that they have legal documents for me for bad check and that I didnt pay on a payday loan. I closed my account because I couldnt afford the payments and was going to just send them a money order.The woman I spoke with said that hawkblue pay day load was filing against me for not paying on my loan and if I couldnt pay my loan in full theyre going to triple the cost of my loan and put 28% on my wages at where I work. Is this a scam or can they actually do this? they said they were going to send documents to my work.,I cant say if its a scam or not.
If you really did write a bad check, you could get charged by the local D.A. If you really defaulted on a payday loan, you may be sued and the judgment creditor might be able to garnishee your wages.,I was just called by someone stating that they were a federal agent and that my loan with Ace for 345.00 is now 3,700.00 and that I need to make a payment on the phone.

Per the companys website I still only owe 345.00. When I requested that documentation of loan taken out in 2008, she said any arrangements would have to be made over the phone, no documentation would be or could be mailed and she had my address information incorrect. At first the only thing that they could do is take off 1,000.00 by the end of the convo she was saying I would have to commit to 12 weekly payments.She hung up when she realized that the conversation wouldnt result in payment.

What made me more upset is the voice mail that was left pertaining my name, birth date, age and address along with the threat that if not called back by 8pm will be arrested.,Thanks for sharing. Those callers try to be intimidating, but if you know that you cant be arrested just for defaulting on a loan, its a bit easier to ignore them.,I live in New Hampshire and took out 2 payday loans back in the summer of 2011, after 2 months of both lenders clearing my bank account, the back involunterily closed my account, after falling behind on rent, facing eviction and not knowing how to feed my two children, I had to stop direct deposit. My cell was quiet for about 6 months, after contacting the companies and telling them that the bank closed my account and now I owe them money that I currentl still cannot afford, I have received call after call, some days up to 7-8 calls a day, I stopped answering the calls because I have nearly had a nervous breakdown a couple times dealing with these people, many of which are in Texas, New York, New Jersey or foreign, they all identify themselves as federal officers or investigators with an officer/investigator number, they claim they are from law offices and claim charges have been filed against my name and social security number for malicious fraud of a federal banking institution unless I give them a prepaid card or debit/checking information for them to debit the money I owe, when I told one man I was a single mother recovering from cancer, which is why I fell behind in the first place, he told me I should be ashamed of myself for using my children or cancer as an excuse.

They also tell me the paperwork has been filed in the county I live in a I would be served. When I recently asked for address, credential information they have hung up on me or been verbally assaultive, telling me the police will be arresting me if I refused to pay.,i just received a call from a lady named lisa watson at 805-876-5159 with cash usa who stated i owed 392.46 to them she wouldnt tell me what year but said everything had been sent to the local police department and county office and i would receive papers in the mail. i asked her what address and she had the correct address for me. the thing is she wants me to send the money western union to a jamesha hanton in florida 34205. i am worried if i dont send this i am going to jail. i know i have several payday loans from online but didnt realize this could happen for me letting them laspe. what should i do?,I received a call from a number that came up as Emergency. The guy was saying he is Officer badge number and he was calling from my state police department. He said he received an arrest warrant for me and would be at my home in a few hours to arrest me. All of this because of a payday loan I supposedly didnt pay.

The funds they are claiming I stole were never deposited into my account. I told him it wasnt me and who do I get in contact with. He gave me a case file number and a phone number and said I had to make arrangements with the people at this number to cancel the warrant. What seemed fishy to me was when I called the number the guy wanted me to get a GreenDot MoneyPak to send this money that I owe.

Is this a scam?,I just got a call from a Cali number being extremely rude. I have taken out payday loans but they r either paid or with a payday loan consolidation.
He calls one after the other. Knows my whole social. Also knows my work place. I dont owe any money that is in default but of course am worried.

Said I have check fraud and other things. They wont give me paper work or anything until I pay with a net spender card. Only a net spender card from wal greens..says police will arrest like others have mentioned. Guess I will not answer or be very rude. He has called 20 times in a row.
Is my social security threatened or my email and or work place?

They are definitely foreign.,i have a payday loan out that i cannot pay. i lost my job recently to no fault of my own. the lady said i have three days to pay it or a warrent will be issued. i live in tennessee. can they really arrest you for this? i have never been in trouble and it scares me. i tried to work out an arrangment but they refuse it.,but how do i find out the laws in my state on defaulting on payday loans? and i am in the prcess of contacting a bankruptcy lawyer thanks for the help much apperciated,Your attorney will be able to tell you if you can be arrested in Tennessee for defaulting on the loan.
Im betting the answer is going to be no. Good luck!,I have a question. I keep getting a call from a Mr.
Smith at 714-576-xxxx. He said I took out a payday loan in January of 2011 and never repaid it.

I have not had anyone try to contact me in any form about a loan that I still owed. I have had payday loans but paid them back.
But he said they cant tell me who I owe.

He said they buy lots of accounts from payday lenders and because he has my banking info and ss # and contact info that it is a legitiate payday loan.
But again he said I dont know who you owe. I told him that he couldnt really expect me to pay something just because this voice on the phone told me to. It started out $500 and now up to $2800 because of interest. He also told me that they would notify me of the loan company once the papers are filed and a court date was set because they would prosecute.

I told him that he had to do what he had to do but that I wont just give someone my bank info over the phone without knowing who it is plus he doesnt know for sure that it wasnt an error and it had been taken care of nor why wasnt I contacted before now.,I got a calls (several in an hour, to home and cell) yesterday from Integrity Group and Associates (they also called my sister (said I used her as a contact)and they called my husbands cell. Stating that I was going to be served with papers on a lawsuit at my home or place of employment or wherever they can find me.
For a payday loan that was taken out Nov. 2007.

I asked for the collectors name and they gave me the name Midland Financial, I then asked what bank it was deposited into Fairwinds Federal Custom (I have NEVER had an account through this place.) I asked for how much and was told $260. All they guy said was that I was going to be served papers, and would be charged with check fraud, etc.
He also put me on hold several times!!

I asked why I couldnt make payments to resolve this and he said that hed get me to that department. I was transfured to this department and made payment arrangements with this lady.. she said that it had to be an electronic payment today and asked me to pay in full, I stated that I was not able to. Agreed to pay $25 today and large monthly payments there after totaling $360 ($100 over what the payday loan was for.) I gave her my debit card number and did the whole recording thing. They new all of my info (previous addresses, previous work places, previous numbers, etc) but only made me say the last 4 digits of my SSN.

They also gave me a case number. After getting off the phone I did some researce and then my phone rang again and it was a recording stating I was going to be served with papers and to call 888-671-4866..,I did take out a few payday loans and they were while I lived in Wisconsin but I now live in Iowa its been so long ago and so many collectors have called, that Im not even sure what ones did and didnt get paid. PLEASE HELP Its getting so bad that my husband is getting very irritated with me and is starting to believe Im so criminal or something!!,In 2009 I made an online payday loan n because of personal problems I close my bank account n as time went by I completly forgot about the loan.

Three days ago I get a call from a lady saying that a warrent has been issue doe arrest for internet fraud n if I dont pay I will b arrested within hours. Than another person called me from a different area code n told me to to pay have of ahat I owe n than I have 30 days to pay the rest n to send the $ thru money gram since I dont have a cc.
I have not been able to sleep since than, can they do that? What should I? Im not working, I cant even afford to pay a lawyer.,Please re-read the original post.
No, you cannot be arrested for simply defaulting on a payday loan. Most of the callers threatening arrest are scammers and the FBI is aware of them.,Hello i got a call from a local number in Kansas city 9134161617 asking me for where i want her to come and server me with some papers i didnt know what she was taking about.

She gave me 888 number to call with a file number and when i called they told me it was about a payday lone i took in 2008 if i dont pay it now with a prepay card they are going to take me to court and i will be charge with fraud and bad check i want to know can they send me to jail for it.,could this be a scam because they told me i have to use a prepaid card to pay them off?
I also want to ask will a pay day loan fall of your record after 5 years? thank you for your time.,Regarding your credit reporting question, it depends on the lender. If a lender reports (theyre not required to report), most negative information (i.e. defaults) will get removed after seven years. There are exceptions, but none that I know of for payday loans.,My husband has been getting calls from a Mr.
Taylor in GA about a payday loan he had in 06-07 which he thought was paid, I explained that I just found out about this (we are recently married and shortly together) and would be happy to handle it for him, which he gave this Mr. Taylor permission to talk to me and handle this issue.

I told him that I would be happy to pay 75.00 then when my IRS refund comes in pay it off and he talked to the attorney on it and everything was fine well now that I paid 75.00 in January its March I explained that I still havent received my refund and stuff, and he is stating that if we dont pay at least 400.00 today by my debit card again he will have the attorney process the paperwork and an arrest warrant will be issued for him, now the thing is that we reside in FLA and criminal prosecution is prohibited all they can do is file a civil suit and then motion for a bodily attachment to go with the civil suit, I explained this to him and he got all flustered and said well the attorney is in court right now when he gets out of court I will talk to him. Its 315 pm now and I am still waiting on a call back, what do you think?,I dont know anything about Florida law, but I would be surprised if Florida allowed debtors to be arrested for defaulting on a payday loan. In Wisconsin (and in most jurisdictions), the most the creditor can do is sue and obtain a judgment.

The methods for collecting on the judgment vary from state to state, but garnishments and bank levies are the most common.,A process server may show up to serve you with papers if you are being sued, but absent other facts, you typically wont be arrested for simply defaulting on a loan. Of course, your situation may have some unique facts. If youre concerned, you should speak to a local attorney for legal advice specific to your case.,I received a call from an Investigator Johnson who said hes working with the State of Texas to locate my wife. We both have defaulted on payday loans a couple of years ago. He called her employer and told them that she is being investigated for bank fraud.

I have no idea how the state works. Could he be legit?
Or is he trying to scare her?,I got a call yesterday from an unknown number. She said she was a process server, and that she had a summons that she was going to serve on me.

I asked for what and she said Check Fraud. She gave me an 800 number to call and a case number.
Which when I called, it was the wrong number and they asked for my social, which I gave-like an idiot.

Then they transferred me to legal. He told me it was from a cash loan from 2005 and that after 2 attempts to collect-the account had been closed and that amounted to check fraud. He put me on hold and came back with repayment options.

I asked if I could think about my best option (because he insisted it be a bank account they could take the amount from every month-i could not send money orders) and he said he could give me a 24 hour hold on the summons but that was all. Does this sound legit? I am a single mom and I make VERY little and I dont mind paying it back-but not at the amount they said was all they could take.

And I feel very uncomfortable giving them my banking info. Is there a statute of limitations on when they can sue me?,Well funny thing about it is I just applied for payday loan and person told me had to put $ 180 on card and Walmart. So right away new was scan and hung up.
Now though get relentless calls and finally decided to pick up and was from same number that originally called for loan and same guy. Told me was attorney assistant and said had 3 outstanding warrants for payday loans and told them thats impossible never even accepted one. Guy got rude and so I just simply hung up.

An just make sure I was covered call state and local police. They said it was scam and ignore it as well. All calls come from same MO number too.,I took out a payday loan from CashnetUSA about a month or so ago for $600. For the past two or three Saturdays(including today)Ive gotten a call from the same guy(American-sounding)who wants to know when I can pay the loan.

He told me today that because I couldnt pay he was going to report it and let a collection agency deal with it.
I had the number written down(1-888-627-6463)and when I looked it up online I found messages from others claiming that this was a scam. I went online to the actual CashnetUSA site and one of their agents told me in an online chat that she had no record of anyone from CashnetUSA calling me after March 3 2013.

If this is a scam, how can I be sure they guy doesnt have access to my checking account?,I have another question. I got two loans online from two companies: one from CashnetUSA($600) and one from VIP Loan shop($1000). I looked these two loan places up today and found that neither of them are licensed in Virginia. I know that VA state laws apply to them. I also found that people have complained about the VIP Loan Shop.
I didnt know that I under VA law I could only have one loan at a time.

What do I do?,Can I be sued for fraud for some transaction back in 2007 (I think they are a pay day loan placye) not sure, I got one payday loan years ago, but paid that thing off as a fast as I could.,I received a call today from a place called ACS, but it was for my sister insisting I get a hold of her and she would have 2 hours to get the default on her loan taken care of before going into litigation.
I couldnt get ahold of her at work and I had plans to leave town for the day so I wanted to get this taken care of right away thinking they would follow through on their threat. I asked that they send me the paperwork on her loan and they said theyd do that once fund clearance went through. Stupidly, I gave them my credit card number but had the nagging feeling all day that something was not right.

I saw your website and called my credit card company immediately and cancelled my card. The payment had not yet gone through and the rep and I felt the best thing was to have a new card re-issued since my sister will be contacting a lawyer to follow up on this. AmEx told me that the payment was set up for Allstate Check Services.
Doesnt sound like the legal offices they were touting themselves to be!,Hi Bret. I have one more question: I told my employer about my loan situation and she suggested not paying back the loans. They are illegal loans, but is it a good idea to not pay them back?

I dont feel right not paying back the money they loaned me even if the loan was illegal on their part. Obviously they would have no choice but to except a money order because Im certainly not stupid enough to allow them access to my checking account again.
I know you dont give legal advice here, but can you tell me if I should take my supervisors advice? Or will that get me into trouble?

I just want your professional opinion on this because Id rather not get sued.,Please re-read the original post.
Unless the D.A. can prove fraud (you took out the loan without intending to repay it), you cannot go to jail for defaulting on a payday loan in most jurisdictions. Most of the time, these callers are scammers looking to scare some money out of you. In others, they are legitimate debt collectors who are violating the FDCPA. In either case, the worst they can do is sue you for the amount owed.,i was called today by a man named david spicer and that i needed to call him back immediately, called back twice from the home phone he called me on and didnt receive a reply then called on my cell phone and he returned the call after i didnt leave a message, he transferred me to a lady saying she was with a law office out of st louis missouri i live in texas anyways long story short she said i took out a payday loan in 2011 and it was deposited and then removed and the bank account was closed she said that if i pay 700 dollars i wouldnt go to jail i said she was talking to the wrong person and i wasnt going to pay and she said that i was going to be arrested today for check fraud. is the something serious or a scam?,In trying to help out an employee, I wrote her three checks to two different Colonial and American Loans.
Each check for 3 loans.

Colonial accepted the checks $1148.00 and $986.02. American told them that there was a government and bank rule restricting them from accepting a check over $900.00, the check was for $993.62. I have that in a written letter after the employee refused to leave without it.

Have you ever heard about this? We live in Oklahoma.,Please re-read the original post.
Unless the D.A. can prove fraud (you took out the loan without intending to repay it), you cannot go to jail for defaulting on a payday loan in most jurisdictions. Most of the time, these callers are scammers looking to scare some money out of you.
In others, they are legitimate debt collectors who are violating the FDCPA.

In either case, the worst they can do is sue you for the amount owed.,I had a person calling to collect on a pay day loan I had defaulted on after I lost my job. I offered to make a payment arrangement. When the date approached I realized I wasnt going to have the money for another 3 days. When I called them about it they said I had til 3 pm or they would serve me papers along with someone from the county.
I was not trying to avoid paying but they are not interested so now they said Ill go to jail if I dont bring the full amount to the court date. I dont have 500 dollars for court or to get a lawyer.

Im unemployed and pregnant. Im so upset.,I had something like this an Attorney called and left a voicemail about how there were allegations pending against me and this was on a Sunday when most offices are closed so i had a bit of suspicion and ran his number through even though i could not find the company i was able to find reviews about the 800 number and posted a comment about how this person called me. monday comes along and the guy calls me finally i was able to speak with him. he sounded american and polite. he explained that there was a default on a payday loan i took out about a year ago. i did default on it so in that case i went with it. he said that i must pay the balance of 700+ dollars in 7 months or face a lawsuit. he also stated that he would levy my bank accounts and garnish my wages if i did not make a payment now. he asked for my banking information i told him and i did lie that i did no longer have a bank account. after that he responded with ill send you paperwork regarding your account for your records. i said that you gave him my address and i am expecting the papers by friday. i know how some scams work and this i do not believe is legit, until i get the papers he or the payday lender is not getting a dime.,I have done that and that and the attorney stated that i should not do anything until i receive the paperwork and then i can consult with him. he also stated that he would not allow the to take my wages nor levy my accounts and also enrolled me into a Debt Consulting service for the unemployed. He assured me that he would keep the Payday loan company off of my back and also told me that if they attorney calls again to politely state that i can speak with him and give him the number to my attorney. he also went stating that if they keep calling me then i may have some leverage but thats rare. i thank you for your information and im working with my attorney to get that taken care of while trying to look for employment.,Hi I received a phone call from someone named William Jenkins allegedly from SBI(STATE BUREAU INVESTIONS) he went on to state that there was a criminal case against for not paying a payday loan i admit i did default but never received a letter for collection should i be worriefd but when i checked the number its a cellphone based in california and i am in new york.,I cant tell you whether or not to be worried, but Ive never heard of a criminal case being opened for defaulting on a payday loan.,I just received a call from a debt collector saying i owe a pay day loan from over 8 yrs ago.
And to my knowledge I paid all mine off. He said if i dont make a payment today that the county police will have me arrested for bank fraud and for bouncing a check.

Can they do that? And I said to him how come no one has sent me anything?
They were also calling from Texas. He had me all upset. Im a widow of 2 little girls and trying my best to get my bills paid.,Ok this American Mutural Holdings called my mother on June 5 2012, and told her I have her down as a contact. They told her I have a default loan with Cash America and they had all my information.

They told her if my loan was not paid in 2 hours I would have an warrent out for my arrest for check fraud!
She paid it with her debt card What can I do 1100.00 dollars?,My husband received a call tonight on his cell phone.dont know how they got the number. It was a Wisconsin number but they said they were from Georgia.

They stated he owed from a payday loan back from 2008.$1100 with interest. They wouldnt give the amount of original loan or provide docmentation of original loan .They also refused a payment arrangement because it wasnt enough money a month. They wanted $400 a month.
She told my husband he wasnt taking the matter seriously and that they were going to file charges and he could go to jail for check fraud.,Again, any threats of jail for defaulting on a debt should raise red flags.

While check fraud is a serious matter, I have never seen such charges filed for merely defaulting on a payday loan. Thats not to say it couldnt happen, but it would be rare.
Also, the debt collector couldnt file any charges, thats the District Attorneys job.

And your local D.A. probably has more important things to do than work as a debt collector for some payday loan outfit.,I got a letter in the mail for failure to pay off title loan on a car that broke down n picked up by a junkyard for sitting in the side of road. I told them when it happened for them to get the car and they didnt, now I am to appear in justice court in a county I no longer reside in or around in 3 days. What happens if I dont appear because I dont have the gas to go or the time to ask off work,I had someone to call me stating to b an investigator n yes I didnt pay bck mu payday loan this was almost 5 yrs ago this was done in one state n she told me that it was turned over to another state n thats were I could turn myself in at im confused didnt think one state could prosecute u for a check in another state..said I had 24 hes to turn myself in n the state im to turn myself into is Texas bit she couldnt tell me were in Texas..help plz,A lady called and said she was from the district of Columbia and a payday loan from 2008 hadnt been paid and she told me I couldnt pay it back and I was going to be picked up on federal felony warrant she also said it was collateral fraud as well. I would be in jail for 12-24 hours before I seen a federal judge is this true?

Ive never received any paperwork and she had all kinds of info on me.,Please re-read the original post. No, you cannot be arrested for simply defaulting on a payday loan. Most of the calls claiming otherwise are from scammers hoping to scare you out of some money.,I have been working with The Law Center in Texas and they say I took a payday loan in 2008.

I dont believe I did but agreed to pay anyway. I have paid a total of $200 dollars and have not made a payment this month.
Financially I cant do it but trying so tonight they called saying if I dont pay $250 by Friday and the remaining balance $550 at the end of the month then they are taking me to court. Thats impossible and the guy was telling me to call my mom, sister, cousin, or someone to get the money and then asked for my moms number. After I told him I will take care of it he said how when you are already in the hole with other bills. (Looking at my monthly finances) he said so if I dont pay they are taking me to court.

Just want to know can this happen and Im trying to pay. Will I have to pay the total amount at the time I go to court and what happens if Im unable to make the court sate?
Will I go to jail !?!,Back in 2009 I took out an online loan from cash net and defaulted on the loan.

payday loans hutchinson ks

I just received a call this week from a place saying they were arbitration, and that I was to be issued a summons for intent to defraud a banking institution unless I have a payment arrangement. I stupidly gave in and ended up giving my bank card info before reading this. The payment arrangement I agreed to is one I cant afford, so I borrowed $1000 from a family member so I can just pay the whole thing off.
I realize now that the whole criminal charge thing was bogus, but being that I am trying to fix my credit, and I already gave them my card number, I guess Im just going to pay it on Monday.

Since they knew where, when, and how much the loan was for, would you assume this is just a debt collector breaking the rules, and not a scammer?
They sent me a confirmation email with the payment arrangement info and the letterhead said Chex Recovery Group, LLC. Thank you.,Well I contacted cash net, turns out this is not the company that bought my debt, and actually is a fraudulent collector.
I did go to the bank and cancelled my card, they said my account should be fine since I only gave the card number So glad I contacted cash net before I was out $1000 without even paying off my debt!

Thank you for responding.,Thanks for doing this thread. I have a couple of pay day loans out and have paid more than the principal balance + legal interest to them according to the laws of NYS. In New York, a law was passed making it illegal to collect on Payday loans and deemed the loans illegal and therefore void. I plan on closing my checking accounts and using a different, unrelated checking account moving forward.

I assume you are familiar with the NYS law. My question is, can they hurt my credit? Or bypass State law in order to try to collect?

All of these loans are 300 to 700% and the legal law is 25%. I will write to them saying I am defaulting on the loan because I have no money at this time and would be willing to pay any principal balance leftover based on a LEGAL interest rate in my state going back to the time I took the loan out.
By this math they would owe me money.

But just wanted your thoughts on if they can garnish my wages or hurt my credit score?,I am not licensed to practice law in New York and have no knowledge of any New York state laws. In general, payday loan businesses must comply with the laws of any state in which they do business. If the lender has a valid claim against you, it can pursue whatever remedies are available under state law.
In Wisconsin, that would include wage garnishments.

If the claim is valid, the lender could also report accurate information to the credit reporting agencies, although it is not required to report anything. Whether or not this claim is valid is a question of state law, and you would have to consult with a New York-licensed attorney for advice.,Possibly, but its not likely.
Most local D.A.s have more important things to do than work as debt collectors for payday loan lenders.

Besides, defaulting on a loan is not a criminal matter. Unless there are facts to indicate some kind of fraud, the D.A. is unlikely to take an interest in prosecuting.,I have received calls for more than 6 months now that are similar to this. I took out a pdl online in 2011.

I was unable to pay the loan back fully.
For months now, I keep getting the same phone calls. A locator or private courier will call me and tell me that they have legal documents to deliver or serve to me and that they are calling to verify my address and make sure that I am available on a certain day between certain times. Usually, it is within a couple of hours.

They give me an 855 number to call if I have any questions and tell me that if I do not call to resolve the matter and he/she does not receive a stop order from this company that hired him/her, then they will be at my house within a couple of hours or on a specific day and time to serve me with the documentation. So the first time I received these calls I called the 855 number and was met with a woman telling me that charges were being filed against me for check/bank fraud and something else that they said were felonies. These people had my correct phone number, current address, last four numbers of the bank account that the loan went into, etc The options she gave me were to settle out of court right then by setting up a payment arrangement. I told her that I was uncomfortable giving out any pay information or making payments to anyone that I was not absolutely sure was legally the collector of the said debt.
I simply asked them to send me documentation to legitimize their claim. They said that as soon as I make a payment they would e-mail me a copy of the payment plan.

I told her that that isnt what I asked for.,Hello Mr. Nason I just received a call this morning from A company called TAC.
I took out a payday loan 2 years ago for $500 they automatically deducted like $200 every 2 weeks for like 3 months from my bank account. When tallied I had had paid back %200 of the loan. I called them to tell them that the loan should have been paid back and they said that whole time I was paying interest on the loan. So at that point I changed by account no.

So they couldnt take any more out of my account. Now today this guy calls me and said his client was reporting me for Check Fraud charges because I changed my account No. They are asking for 1200 but theyll settle for $450. So Question is can they report me for check fraud when all i was doing was trying to protect my account?,The debt collector could sue you or can contact the D.A. to have charges filed against you. But unless you actually committed fraud (and as far as I know, simply defaulting on a loan does not constitute check fraud in any jurisdiction), the D.A. would likely ignore such a complaint.,I am a former employee of a PayDay Loan company and their collection efforts are one I would not do.

I had never worked for a finance company like that so I went in clueless. Quickly I learned that is not a place of employment if you have a heart. Threats are their biggest tool. If you are contacted by anyone and they claim criminal charges always reply with I cant talk right now and promise to return call them in 5 mins where you can get to place and talk.

Get a number and name immediatly call your State Banking Department and report the call. When the person calls you back inform them that you forwarded their collections threats to you State Banking Department and from that moment on make a note of any call you receive time date persons name and what was said. It is illegal for them to threaten you with any type of threat. Also they will continue to harass your refences let each one of your references know when they call them to inform them they do not wish to be contacted any longer and to remove them from the call list. If they continue to call the references you report that as well to the State Banking Department.

If they are calling you at your place of employement you can tell them not to contact you there anymore. Legally they have to stop (sometimes it is a good idea to fax to local branch a letter stating no more contact at your work keep a record of that) and if they continue make sure you report that to the State Banking Department. Keep in mind that they are only allowed to contact you twice a day.,Keep in mind that the tips provided by theinsidescoop apply only if the caller actually works for the creditor. Many times, these calls come from an overseas call center that have no connection with the original payday loan agency.

These scammers should be ignored, although it is sometimes difficult to determine who the caller works for. If in doubt, call the original creditor (not the number left on your voicemail) and ask how much you owe and if they have passed the account on to a debt collector.,I received a phone call yesterday from a man claiming to be from a law office in Georgia. he claims that I faulted on a payday loan last year and that I am now being brought up on felony charges of check fraud and malicious activity. he claims he sent a certified letter to me in the mail which I never received I asked him to send me paperwork so I could find a lawyer to speak to about this and he said he could maybe get me paperwork. he claims that I will either be arrested or issued a court date. the amount he says I own is 819$.
I was very taken back by this as I did not take out and loans I did apply when money was tough but never received any money or at that even completed an application. I called my bank to see if there were any transactions at the time of when he is claiming they gave me money and my bank confirmed what I already knew there were no transactions on that account for three months surrounding this supposed incident. I called the man from the law office back and he is now changing his story saying that they probably put the money into a different account but used mine as collateral. I never had a different account and as well I never had a single payday loan.

He told me there is nothing he can do to help me, meaning he didnt offer for me to settle.
He says that I will be brought up on criminal charges for this loan and that I should get a lawyer. Is this real? someone different keeps answering the phone they are American but sometimes the voicemails are different when I call.,I took out a online payday loan and missed a payment well it bounced in the acct I only missed it by two days they called and gave me a case number and said I will be arrested by Monday can I be arrested the loan was only 300 and I tried to pay the payment I missed they refused to accept it unless it was 300 and I had to pay a additional 296 next week they said it was theft ?,May 14.2013 I received a phone call from a Ann smith from New York. Area code was from nc though. Said in 2005 we took a cash advance loan on line. Said if we dont pay 800 now she is turning us in to the state atterney and charges will be brought.

She would not give us any information except she work for weistein atterney and was a mediator for fraud She would not give me her address. She would not give me atterneys name and how many atterneys worked there.
We asked for a letter stating what is the debt and what is going on.

She said she can not give us any information.
She new my husbands full SS number. When I asked for all this information she got mad and hung up. I repeatedly call her and no one would answer.

A few hours late a man called from her number and said he had to inform of me he was pressing charges for me repeatedly calling a business.
I stared to laugh and said your employer hung up on me and Im trying to get to the bottom of this.,I received a call earlier from someone claiming to be a deputy calling me to turn myself in or call a officer in Texas. He called from 911 which I found weird.
I also received a call from a law firm a few weeks ago stating I had a warrant over a payday loan that I know I never had.,i was told by a company today that i will be arrested for writing bad checks if i dont pay a online payday loan but i never wrote a check to get a internet payday long so my question is can i be arrested if i dont pay it?,Without some indications of fraud, defaulting on a loan is not grounds for criminal charges or an arrest.

Additionally, many of these callers arent really collecting on a valid debt. They are scammers sitting in overseas call centers, hoping to scare you out of some money.
I typically advise my clients to ignore these callers, but if you are concerned, you should speak to a local attorney.,Hi.I have a title loan that I recently defaulted on. I rcvd a call today from a local number claiming to be an investigator stating he had a summons with my name on it and hes turning it over to Jo co sheriff and Jackson county sheriff tomorrow and a warrant could possibly be issued. Can I be arrested for a title loan default? Or are they treated add civil matters?,No, defaulting on a title loan isnt a criminal matter.

However, the lender may have a valid lien on your vehicle and might have the right to repossess if the debt is not paid.,My mom received a message today on her phone from a guy saying he is a parlegal for an attorney firm in Pontiac,MI working with one of the prosecuting attorneys out in Henderson, NV to handle a criminal investigation case involving me. He says my name has been pulled up on two affidavits with pending allegations of one misdeamenor charge and one felony charge.
He says its because the affidavits have had the statute of limitations expire on them. He is trying to get a hold of me because they have to transfer the dockets back to the prosecuting attorney who is handling the case. He says, Basically there is a possibility that she might have a bench warrant to appear in court if we are not able to get ahold of her in time or a possible license suspension if she has one. He says there has already been an alert placed on my state ID and social.

He asks that she contact him with a phone number where he can reach me or have me contact him and says she is not in trouble of any kind. He asks that I call by Monday at 5PM and leaves his phone number and a case number. I used to live in Las Vegas and Henderson, NV but I dont know of any trouble that I am in.It could be a defaulted payday loan but I dont know for sure.

The guy is American and doesnt mention a loan or money in the message. I am confused as what to do.
I went to Clark County Courts Records Inquiry and put in the case # he gave me as well as my name. Nothing pulled up.
I also just got my drivers license in a new state and nobody mentioned anything to me.,Hi my names brittany recently i filed for a online payday loan they said i was approved an all i had to do was send in 200 for a security deposit so i did rhan a hr later they gave me a call saying it wasent approved an i would get my 200 back well i just got a call stating That i didnt pay The cansleation fee an was being sued with a lawsuit so they said ro resolve it to send them 175 an they resolve The case now they called again saying i need To pay anothed 250 for the fees to resove the Case an if i Didnt in 2 hrs They Will have me Aressted is this true an what should i do? Please help,I hope readers realize by reading these posts that everyone should stay away from online payday loans.

Even if the original creditors arent suing for default, it appears that the scammers are getting customer info from these businesses. It cant just be a coincidence that the scammers are calling about payday loans that people acknowledge having taken in the past.,I received an email from a guy named Victor Thompson telling me I owe a payday loan and that I need to pay them 920 dollars to settle it and it keeps going for a couple days and then I just told them I was going to call the cops today he hasnt responded yet.,I just spoke with Jason Dean ID#60142SPS with Frasar Law Firm who accused me of Criminal Check Fraud.
He supposedly represents American Cash and theyve filed three criminal charges against me. Jason Dean claims hell be sending the police to my home and Ill be arrested for 30 days before they sort the mess out. His partner Officer Smith who originally contacted me told me he had my personal information such as Social Security Number and date of birth, along with my banking information.
He even went as far as to confirm the information to me.

I dont have any business with American Cash and have never had any loans. They never asked for any money, probably assuming from my skeptism that I would not pay, EVER. They were rude and eventually hung up. I call back and pretended as if I wanted to resolve the issue(after researching all of the above stories and confirming it was a scam.) and low and behold they wanted me to go to Wal-Mart and out the payment on a card.

I asked them to send me information as to who I owed and where I was making a payment at, but they refused mumbling something about youre sure to go to jail. I then asked them to go through a lawyer they just about screamed NO! Eventually after playing the game with them I told them I had since realized they were fraudulant and hung up.
Even though I felt better a little about pulling their cards I am still VERY afraid because they have my personal information, such as my social and birthdate. They also claim to have my banking information.,I had a lady contact me on Monday stating that in 2008 I got a payday loan and then closed my account, she then said I could pay $680 and be OK and if not I would be charged with worthless check and fraud to a financial institution.

The only problem with this is that I dont ever remember doing so and my credit report shows nothing of this default in payday loan the said I took out. I filed bankruptcy this year and explained that to her she rudely said you cant do anything about this.
She said you are trying to avoid these charges. I am so confused and not sire what is going on really, is this a scam?,BACK in 2005 i had move to texas i had bunch payday loans out and i file bankruputcy.i took to more out i have did some in person and online i get call daily at work and cell bout being arrest and going jail.I have twins boys i dont want want be stress bout things like that.I am actually with morgan drexon working on payment or settlement pay to get this loans paid off.I need to know what the right thing to do or am i doing right thing.When these people call leave case number or phone half time i cant get the information i am looking for or someone answer start yelling at who.I change my number to get rid stupid people waste my time trying to solve problem but get the run around.please try help me out thanks,If you read this entire thread, youll learn that threats of arrest for defaulting on a payday loan come from either scammers or debt collectors violating the FDCPA. You cannot be arrested for simply defaulting on a debt.,I have a debt collector calling me saying that a check cashing place is wanting to file charges against me for check fraud.
When I ask them for information, they give me a date, time and location of where this took place.

They also say that they have video evidence about this. I was not in the state that this took place, and when I ask to see this evidence they tell me that I have no right to see it, that it will come up in court.
I have filed bankruptcy, and it was discharged 2 years ago, but I dont know what to do about these types of phone calls. I find it hard to believe that if there is evidence against me that I am not allowed to see it. It is also weird to me that they are saying it took place in a city I didnt even live in.,Debt collectors and check-cashing places cannot file criminal charges.

They can sue if you default on a debt, but only the D.A. can file criminal charges.,Ive been receiving near constant calls regarding a pay day loan my brother took out.
Each time they threaten to serve him with felony fraud charges if he does not pay that same day. Ive asked them repeatedly to contact my brother directly and please remove me from their list of contacts, but they said that was not possible. Is this true? From your previous posts it sounds like this might be a scam (I cant be sure as I do not know the details of my brothers loan), but do legitimate debt collectors have the right to repeatedly contact me for a debt that I do not owe?

Do I have the right to ask to be removed from their list of contacts?,I had taken out a payday loan back in 2009 for $500.
At the time, I was working in a place that wasnt giving me my checks (for some months), and when it was time to pay back the loan, I was unable to and had to close my account.,Last week I received a call from someone (American accent) claiming to be an arbitrator for the PDL company and they were filing a civil lawsuit and criminal charges against me for Writing bad checks and defrauding a financial institution. They had a lot of my information so I assumed they were legitimate. They told me that I could repay the debt (original loan was $500 and they claimed I owed $893) and they would stop the summons to court. I had the money at the time (was saving for a car and had the cash) and gave them my debit card information and they said they would post-date the payment until the following day to give me time to get to the bank to deposit the cash.,I told them that I wanted something in writing stating that all charges would be dropped including the civil suit if I had repayed, and they claimed they couldnt provide me with any documentation but the call had been recorded and that the PDL companies agreement was also recorded.

Stupidly I ended the call with an agreement to pay the $893.
They also claimed that I would receive documentation via email that would explain the repayment deal in detail and it would have my information regarding the loan on it.,After handing up, I realized that I had no information about the General Arbitrator and the firm he had worked for. I also hadnt received the documentation that I was told I was going to get, so I called back 3 times within the following 2 hours and finally left a message that stated I would need to receive a call back with information relating to the firm or at least the documentation regarding my loan and the lawsuit otherwise I would be cancelling the card that I gave them because I was nervous about having given my financial information without further details of the loan agreement. I did not receive a call back nor the agreement documentation until the following morning at 7am when they tried to run the card. I did talk to the same guy I setup the payment with the day prior, that morning, and explained that I was not comfortable sending payment with something in writing.

He did the normal collection thing saying Pay your bills etc.,He also directed me to their Legal department.
The guy claimed to be a lawyer but refused to give me his state bar license number and said they werent required to send me an information on the loan, or the lawsuit. They said I would either need to pay on the phone or they would send a summons.

I finally told them to send the summons so I could at least get legal documentation of the suit, and the guy hung up on me.,After that long story, Im 70% sure this is just a debt collector, but you can imagine I have some form of anxiety over this. Does this sound legitimate in that they can file criminal charges against me over this loan?
The lawsuit I can deal with if I get a summons I can call to make arrangements but these criminal charges scares me. Im in Arizona if this also helps.

Thank you.,I had a similar call yesterday. Al lady by the name of Christie called me yesterday, she had a southern accent and claimed to be residing on the East side. I had taken a loan out with CMG group and I thought I had payed them back.
Funny thing is I was keeping in contact with the collection agency 2 weeks prior to her calling which she said was not supposed to be happening because they had forward my case to her.She then said that CMG had the right to file charges against me for fraud and that there was a pending warrant for my arrest. I did not get to ask her if it was possible to issue a warrant for my arrest when I live in Hawaii and they are located on the mainland.

I also found it odd that when I started to get all frustrated and began to cry she told me to not stress over it and that she is a single mother too and knows how hard it can be. Then I attempted to call her this morning my time which would make it 12 pm her time and I get a recording. I attempt to leave a message but the machine told me three times that it did not recognize a message and to leave one after the beepThis is very frustrating, I thought that it would only affect my credit score.
Extra stress about being arrested and a single mom, who will watch my baby?

Why is it so hard for the ones that are actually struggling to be believed when they are saying how much of a hard time they are having. Hawaii is not a cheap place to live.,Please re-read the original post.
Regardless of what these callers tell you, you cannot be arrested for simply defaulting on a loan. If you truly owe the debt, the creditor can sue you and get a money judgment, but the creditor simply doesnt have the authority to throw you in jail. They prey on your fear and count on you being scared enough to just pay without questioning them.,I did contact this 1 888 number and spoke with another female who had all my information on the payday loan I had not paid on, my SS# and my DOB.
She also had the names of my family members whom I know were not listed on my original form I filled out online.,My grandmother received a call from a Westgate Arbitration.

He proceeded to tell her that if I didnt call and pay them $887 immediately that they would be sending paperwork to my home withing 36 hrs charging me with check fraud and a host of other charges regarding a payday loan taken out 4 years ago. I called the guy and he was very short and rude and didnt want to give me the information concerning the debt and absolutely refused to give me an address or to send me any legal documentation through the mail. I told him I didnt feel comfortable making that large of a payment, which I didnt even have, blindly over the phone without any paperwork.

He continued to threaten me with criminal charges of check fraud related charges and ended up hanging up on me.
I tried to call back several times he continued to hang up and asked me not to call and harass them. This after he called my sick grandmother numerous times and told her all of my business and got her very worried and upset. Im a single mom of 3 children I work two jobs and have never been in any kind of trouble with the law. I want to pay any bad debts, but simply couldnt pay that much within a 2hr notice and more importantly blindly over the phone to someone Ive never heard of on a debt that I have never been contacted about in over 3 years prior to this. Can they really charge me with criminal charges because I simply dont want to pay this over the phone immediately with no documentation or prior notification.

He told me it was my fault that I didnt know I still owed it, which I can understand that argument, but it seems I should be given some sort of formal notice or chance to clear it up without all the threats and harassment.,I received a call from woman saying I had a pass balance on a payday loan i took out 2010. She said the state of GA was going to pay the debt off and forward my information to VA(where I currently live) and have a warrent out for my arrest for check fraud. When I did the loan, I was residing in the state of Maryland not Georga. The only reason they had my GA address was because they needed my DL information(which hadnt been switch to Maryland yet at this time).
After doing some reseach, I found out that it is illegal to do payday loans in the state of Maryland and Georgia.

Can they take me to court or will I have to do jail time for this? Also, I have never heard of any state paying off someones personal loan and then sending it to another state where you reside and they send out warrent for your arrest.,A collection company called and said that I defaulted on a payday loan. They said that criminal charges were going to be filed if I didnt try to make payment arrangements.
Since my bank account got closed to being overdraft for too long, I was unable to pay back my payday loan. They are saying they are going to press charges for fraud unless I make payment arrangements right away.

When I asked them for some form of paper work showing these claims they kept giving me the run around and finally agreed to try to send me something.
Can they press charges for fraud even after I notified them that my bank account was closed due to lack of funds. my intention was not to avoid paying them back. I just didnt have the money to do it and I still dont because Im a full time student and mother and do not make much money.
I need some information about this since it is the first time Ive heard of a company attempting to do this.,My mother received a call yesterday and took a message from a Patrick OReily # xxx-xxx-1748 (number shows private on her caller ID) stating I have an unpaid payday loan with a company called BMG Payday in the amount of $722.53 and that I needed to call back before 5pm or I would be arrested! I retuned home and 4:30 and my mother was very upset and said I better call quick!

Back in 2010 I received a couple similiar calls about a payday loan with the same company BMG Payday, but these times they were from investigators with the same claims and all for different months and amounts. Now I knew I had not taken out a payday loan at that time, so I said I am calling my attorney (which I had at the time for another matter and do not have him retained now) do what you need to do and hung up.
My attorney took the number and I emailed him my bank records for the month questioned and he calledof course they would not speak with him.

Needless to say I have dealt with this company before so this time Patrick OReily got the same deal from me. I told him I have my bank statements to prove I NEVER received a loan from this company at any time and I would love to go to court and show a Judge my bank records, OReily went on to say I will lose in court he has my social, my bank account, my date of birth and a receipt that the money was deposited, the ip address for the computer that did the transactions and time etc. I said bank statements dont lie OReily and I will pay nothing.
He went onto say that the statue of limitations is about to expire on this and BMG is prepared to fight for their money and the the 722.53 was a settlement, if I dont pay that now I will pay $2883.53 which is now the ture balance, court costs and attorney fees. I said I wont lose so do what you have to so.

I asked for the company name and additional information and was denied that. He was getting upset that I was not falling for his scam and became VERY upset. He said since I am not willing to cooperate he is transferring my account over to their investigator Karl Reinman to he can proceed to file a complaint and have me arrested.,I have a title loan and they called one of my references(my phone got shut off) and told them they were and federal officer and wanted to keep me out of jail so he called me friday to get 667 by Monday to keep out of court here in Georgia.I am new here and didnt know what to do, to get picked up and go to jail and get a criminal record because They knew I work in the medical field and a records can close doors for me quickly.

I gave him 550.00 because I didnt know what else to do.
I am not working now and that caused me to loose home and that hard as a single parent. Even thou im not working, I struggle to try and pay 290.00 payment each month by 12th to avoid this happening again. I wish I could give them the car but it broke down and got towed and I could pick out of tow because I cant afford it either and they say its consealment and they could send me to jail for that alone. I feel so helpless.,I was contacted by a so call Michelle Lewis xxx-xxx-3053, but when i tried calling that number back there is no answer. she is stating she is a privated investigator for a debt collector. she states the company she works for is United Firm. when i asked her for the contact info she refused and stated to call xxx-xxx-9241.
Also last night about 10:40pm someone knock on my door of my house trying to serve papers per what the men answered when i asked who it was, but i did not open the door. he walked back to his car and stood there for about 10mins and left. i did have a payday loan with AWL (American Web Loan) and i am in the process of filing a chapter 7. But this lady has called my family members, my boss and neighbors.I have fax a Cease of Communication letter to American Web loan and also a work harrasment letter and received confirmation of delivery.

What can I do? Please advise. Is this Legal here in Colorado?,I got a payday loan back in 2006 which went into default, I got a call from Allied Investigations saying I owe which was 1,467 and they needed a down payment or I get arrested, I was scared and pawned my car title to pay and they wanted the rest in big amounts, I told them I couldnt do so they said asked friends and family so they settled for 1 bi weekly, I made first payment by debit card but couldnt it again and Im working with a payday loan consolidation program which is helping me and when I didnt pay next amount they told me they sending paperwork here in Norfolk Virginia to have me located and process for not paying out of court restitution I never got any paperwork or been to court for this, I never got anything and the supervisor said I had an hour or be arrested and told me Good luck and the best of luck to me I have never been in trouble before and I am scared, please advise!,Please re-read the original post and the other comments on this page.
No, you cannot be arrested for defaulting on a payday loan. If you owe the money, you can be sued, but not arrested.

If you are sued, a process server or sheriffs deputy may serve you personally with the summons and complaint, but will not take you to jail.,Hi, I live in Wisconsin and I borrowed money a couple of years ago from Check n Go. I had some things come up in life and I wasnt able to continue to pay them. I called them and told them I could not pay and asked to set up different payment arrangements. They were very unwilling to do this and rude on the phone just because I hadnt answered all of their calls.
I got divorced and moved back in with my parents and they were not able to contact me anymore. I told them I would just pay them when I had the money.

They stopped calling me, but they continued to call one of my friends who I used as a reference. I never wrote them any checks because they were able to do everything electronically.
They would go and try to withdraw money from my checking account often times resulting in an overdraft. There were times where I would have to go to my bank and reverse the payment because after withdrawing the money I would not have money left for food and gas and I figured those things were more important at the time. Now I am getting calls from a company at my parents land line telling me that I owe $1200 but that I can pay $600 now and settle everything.
Otherwise they were going to take me to court for check fraud, accusing me of running off with money and not paying them back.

I explained that I do not give money to strangers over the phone.,So I got a call from a guy calling him self detective Roberts. He is claiming that he is with a company that I did defualt on. I have been contacted in the past by the people over seas but those guys would never give me a name of a company.

He is claiming that I will be arrested on fruad do to the check bouncing.
Is this possible. I told him I could not pay the $1100 he is demanding I pay at once.

The loan was only for $200.,i was contacted by a man saying i could look foward to the fbi being at my house in the morning then started screaming at me through the phone and has been leaving me threatening voicemails.
It was a scam saying they are getting me for a payday loan. can i sue them?,I got a call from a person claiming to need to settle a dispute against me regarding not paying back a loan from 2 yrs ago through the cash advance co. MyCAsh.net. However, I DID pay the loan off in full and have all the bank statements to prove it, but unfortunately, Im not sure I ever got a pay off notice from this company via email or otherwise. If i did, i have no record of it. I no longer live in the state or have an active bank account in which they can collect, but Im not sure how to protect myself from being sued when I did nothing wrong.

Help!,So I know that Minnesota requires payday lenders to be licensed in the state. I got 250 from Red Leaf Lending a company Ive heard is located either in Canada or Nevis. Do I have to repay if the company is unlicensed in the state? Wouldnt the fact that they are unlicensed void any agreement we had?,In 2009 i did a payday loan threw advance america well i couldnt pay it because i lost my job and ended up moving.,Sounds like a scam to me, too.

Just keep in mind that you cannot be arrested for simply defaulting on a loan. The creditor can sue, but thats it.,I received a call today from a foreign sounding man that said he was with Stark and Associates. He had my social security number, address, and work number. He said there was a lawsuit against me and I would be arrested at home and lose my job.

He left me a message to call him back at xxx-xxx-xxxx.
I called him back, he said that the lawsuit was from American Cash Advance, according to him is a parent company, for a loan I took out online. took the money and the ACH was not honored. They are filing fraud charges against me.

I asked him if I could just pay the loan to avoid being arrested and losing my job. He said I could pay $300.00 today.
He then said he could only accept Green Dot prepaid payment. I told him I couldnt do it until Friday after I get paid. Then he first said it had to be today, then he said to call him back on Friday and he would then give me the information on how to pay the $300.00.

I do have several payday loans out and couldnt pay them every time I got paid.,Lots of questions there that need to be answered by your own attorney. But as a general matter, keep in mind that you cannot be arrested for simply defaulting on a loan. You may be fined by the D.A. for bouncing checks, but the statutes that deal with post-dated checks vary by state.
For example, most jurisdictions hold that it is NOT check fraud to give a post-dated check to a payday loan company when both parties know there is no money in the account to cover the check on the day it is issued.

After all, if there was money in the account, why would you need the payday loan?,The only advice I can give non-clients is to speak to a local attorney and to stop taking payday or online loans. Those things are nothing but trouble.,Hi Bret.. thanks for posting this. first off, since most of these lenders are from another country, can they really sue someone? also, i live in CT and these loans are not legal because the loan companies are not licensed in CT as well as the fact that they charge well above the legal limit of 12% APR. one staute states: No loan for which a greater rate of interest or charge than is allowed by the provisions of sections 36a-555 to 36a-573, inclusive, has been contracted for or received, wherever made, shall be enforced in this state considering the interest rate for the 2 companies i am dealing with is over 300% on one and over 20% on the other and neither co is licensed w the dept of banking, this makes the loans null and void right? thanks again!,Thanks again..
If they are not a legal company from overseas (not meeting the states requirements for a small loan lender), can they still sue? Have you ever heard of them getting on peoples credit reports?,Anyone *can* sue.
The question is whether they will prevail.

If the loan was made in violation of a state statute, the debtor should have a reasonably strong defense. Again, only your local attorney can give advice about a specific situation.,I took out a Payday Loan in 2011.
I was harassed at work, almost lost my job because they would not stop calling. I had to get my phone number changed because they wouldnt stop calling!I received a phone call today from an outside person saying that he is located in Florida (I am located in Texas)and saying that he was hired from the payday loan store and if I dont pay the full amount today there will be a warrant out for my arrest for felony check fraud charges. I am pretty sure that they cannot do that!

Any suggestions?,Please review the original post. No, you cannot be arrested for defaulting on a payday loan.,READ CAREFULY: It is a civil matter.
The most they can do is have you served a subpoena and the court house has to be local to YOU, and most times the cc or loan company ends up working it out with you before you see a judge.,I have been receiving calls from a Michael claiming my CashCall loan in California which I got in 2010 is in default for not paying. I did get the loan out but was not able to pay due to financial problems. I ended up using a credit counseling through a lawyer where they try to settle the account and the debt is paid.

I tried to explain this to Michael but he was very rude, so he told me there is a summon for my arrest and the amount that is owed is now over $8000, the amount I got was for $2000.
But according to a notice I received, the loan was purchased by another company which was settled. Will I need to seek a lawyer to prevent from this happening? and how can I tell Michael or the company to stop calling my family members and friends.,Titlemax title loan, they are calling me and threating police action if i am not in office by 4pm tomorrow, which i cannot make or pay at this time, i told them i can when i get paid next week, and they told me that i am 10days past due and if i am not in office by 4pm its out of thier hands , the police will come. im in texas which is a debtors state, can i be arrested?,Im not licensed to practice law in Texas and cant tell you anything about Texas state law. In general, if you default on a loan, the lender can sue you.

If you gave a lien on your vehicle as security for the loan, the lender may repossess the collateral. But in neither case will you be arrested for merely defaulting.,Hi there, I recieved a phone call from a debt collection agency a few days ago, claiming they had tried to contact me numerous times about a debt I have with a payday loan company here in my area. This was the first id ever been contacted by them. I did take out a payday loan in may of last year, and I am in default on it, but I came into some really tough financial times, my work hours got cut in half, bills started piling up and I just cant afford to pay it all back.

The collections agent demanded full payment at first or my red flagged account would be put through to their legal team.
I proceeded to set up 3 payments with them, my question is, what is the worst that can happen if I cant make those payments? I never had any intent on NOT paying this loan, I just couldnt afford it anymore..,I happened upon your post because I did receive one of these Legal Processing and Summons Division calls, and while I definitely knew it was an illegal action which is far more egregious than whatever it is they are claiming I may have done, I wanted to learn more about what is possibly being done to stop these immoral SOBs. Many of the comments above are from people who I am sure never intended to take out a loan they couldnt pay back, they certainly didnt think borrowing a few hundred dollars to help pay rent would cause a later attack on their character and threats of arrest and prison!,I have dealt with a few payday lenders who have been very honorable and even though the interest rates are astronomical, the actual real cost of the interest is always less than the penalties I would have faced if I didnt have the funds to pay my original obligations. Used sparingly, they have taken a lot of stress out of my life.,Youre right, most payday lenders are honest.
They charge unconscionable rates (IMO), but they dont usually do anything illegal.

The calls threatening prison are usually from scammers overseas. Theyre not owed anything, they just hope to scare a few people into paying. They often get their victim lists from online payday loan outfits.,I just had a similar experience regarding an ACE payday loan I took out in 2006. My bank account has changed since then.

The area code is a 954. The company is supposedly called Legal Processing out of Ft. Lauderdale, FL. I talked a supposed lawyer and they said that felony charges were going to be filed at noon if I didnt send them a moneygram for $1,065.70.
The loan was for like $200!

I was very calm with speaking with them. I told them I couldnt get to a moneygram location until this evening. They kept pressing me to find a location.
I told them I wanted to view all the paperwork regarding these charges, they told me I couldnt until the payment was processed and then they would send me a letter confirming payment. I replied no, I want to see copies of the original loan document and any legal documents filed.
The guy starts to get irate.,Can a payday lender show up at your house? and post note at your door?,Brian Austin, Legal Mediation Services, xxx-xxx-xxxx, just called and informed me that the DA signed an arrest warrant for federal check fraud and attempt to defraud, for not paying a payday loan.

He said that the arrest warrant would be issued at 4:00, and that bond would be $25,000. Im not the average bear and played his game. I asked which DA signed the arrest warrant.
He told me to turn myself in. I asked where and he said, your local PD.. I hope nobody falls for this type of a scam.

These are real bottom feeders.,hello i recieved phone call today and left a massage saying that there private imvestagator A1 process and they will send a local atority in my house and if they cannot find me in my house they will look for me in my job and this is regarding about my 2 payday loan and need to call them ASAP. when i called them they told me i have to payday loan and owned them $2545 and it will go to a court today and the man asked me how much money do i have in my bank and i said i only have 300 dollars on me and i dont have any bank account he said to avoid this matter is to give my 300 dollars today and buy a prepaid card or they will call the local autority to go to my house. i dont know what to do pls help me im scared to go to jail a never been in jail.,Ok I just received a call from someone saying that they were calling on behalf of a payday loan place that i took out a loan back in 2005. And said since it was a blank check there going to sue me for fraud unless i pay them there money.. can they do that? please reply back asap.,I had someone from Hightower Legal Processor call me on Thursday, they indicated that they were submitting court documents to obtain a warrant for my arrest for wire scam and defaulting on payday loan. Needless to say, Im still upset and had a mild breakdown and now on medication.

Ive missed3 days of work due to fear and dont know where to turn. Blood pressure has shot up and not able to sleep, Im afraid never been in this type of situation. I did make payments they say it was only the interest on the loan. Will never do this again no where to turn.

What can I do?,Hopefully, this thread has taught you that you cant be arrested for simply defaulting on a payday loan. *IF* you could track down the caller and could prove what the caller said, you might have an FDCPA claim.
But these scammers can be slippery and difficult to find. Its generally best to just ignore them.,We currently have out 2 payday loans with 2 different companies and we are starting to have trouble paying. I was looking online today for advice on how to work with them when I discovered the payday lender laws for Wisconsin. It states that they cannot loan us more than 35% of our gross income and it cannot be more than 90 days.

The loans in question exceed both of those. What should my next step be? Can I file a complaint to somebody? Thank you!,I received three calls from a Georgia collections co.

I am in Louisiana.
Claiming I owe on a payday loan from 5-6 years ago. At first the caller almost scared me into giving my cc # over the phone telling me if I didnt pay it by the time we hung up he would walk over to the DA office and issue an arrest warrant. But I dont love in ga I live in la.
I cant remember owing on this but 6 years ago its not impossible.

I told him I do not work and am in college that If he could send me legitimate proof I would work on sending what I could. He was very ugly and sent me an email from a google account.
He did have all my info which was what scared me. I called my dad and told him about it and he said once we got actual debt info on company letterhead we would resolve the matter. So I clicked back over to the guy and told him this he got super pissed and thats when I realized hes pulling my leg.
BC a partial payment usually is accepted by creditors.

Well he called again today nearly two weeks later but I did not answer.,I got a voicemail from an unknown number from Jessica Campbell, she didnt mention who she was calling from,just said about an affidavit came across her desk with my name and social security number on it and it was imperative that I call her back and gave me a number to call her back with an extension and if I dont call back it would result in criminal proceedings and going to jail,she didnt mention what it was for or anything like that, I googled the number and it was from National Recovery Services and it was posts about it being a scam for old payday loans debts or any other types of debts and I have paid off what I owe for payday loan debts andI would appreciate your help in this matter if its scam?,I had company named Washington Recovery Servcices contact me about an old payday loan. I am in Texas and this company is Florida. They say that they represent First Cash and that I have federal and state charges against me for check fraud and something else. I cant remember what else they said.
THey then proceeded to tell that if I didnt contact them by 1:00 CST today they wanted me to meet them at my home with 2 forms of ID and they would be issuing a summons for me to appear in court.

Ihave received no documents from them, no calls or contact from the local Sheriff or DAs office. As a matter of fact, I called the county clerks office and they had no record of anything being filed against me. Then they routed me to the sheriffs department warrant division that had no paper work filed there regarding me either.
The people at the sheriffs office told me not to meet with them at all and that I should file a report on them with the local sheriffs office.

They said the constables go out to the homes, leave a business card ad try to make contact with people before issuing a summons. She also said that I should have received certified papers in the mail stating the legal proceeding if this was really a legit issue.
With that, I have no plans to meet with them. I plan to let them know I spoke with law enforcement in my county and that they have no idea what they are talking about and all of the actions that were supposed to take place before a summons could be excuted.,I wont pretend to know anything about NY state law, but keep in mind that many of these callers arent really payday loan lenders.

Theyre just scammers calling from a call center, usually overseas, hoping to scare some money out of people.,I have been receiving unknown calls on my voicemail for the past couple of days from an Agent Hayes about a court summons which she will serve at my job or work (she has been saying this for days now)and to call the legal department at an 1 877 number to talk with them about this, she never says who she is calling for or whats its about,then the number she wanted me to call, called me and left me a voicemail shortly after she had called, never saying who they are and what its about, just saying its a debt avoid legal proceedings. I got another call on my voicemail again from unknown, this time she says she Agent Hayes from investigations and part of an investigation about a breach of contract and will turn this over to authorities and will come to my house or job to serve me but to call the 1 877 number(this time it was different from the one she has been giving me) to talk to their legal department and lawyers to discuss this and I have been notified. I had a online loan from Cash Net back in 2010 or 2011 which went in default but since then I paid it off through RJA Capital which reduced the amount, I googled the first number she gave me and it came up under scams and the other number from today, it was nothing on it, does it sound like a scam or should I be concerned?,I filled out a form to take out a pay-day loan, but I never accepted the money at the last minute. Something told me dont do it. And so now these people are getting upset because I refused them access to my account.

They said they will have me Extradited to CA They said this all on voice mail in which I kept. My biggest fear is that they would send a CA officer to my door claiming to arrest me or serve me a summons. In Florida, do I have the right to not open my door until the county police officer arrives?,My mom was called today about a online payday loan that I took out. I know I have settled this debt two years ago. The woman gave my mom information about how much I owed and personal info she had on me.
When my mom asked if she was able to do this she said yes because she was my mom.

When she told them she thought they were fraudulent they got mad and told her shed better contact me because they put a warrant out for my arrest (in the wrong county that I have never lived or been too)My question is how do I protect myself? This is the second time I have been called by being threatened by a different company. I have done everything in my power to make sure the credit bureaus have all my contact information, validated all my debts, Im with a credit counseling agency to take care of paying all my debts. What type of lawyer do I need to hire?
I cant take this anymore.,I had a payday loan 2 years ago. It was when my ex-husband stopped paying child support and my business was slow.

I had no way to pay the rent and panicked.
I got the loan because my ex told me that he was going to be sending me money to get caught up. I figured I could get the loan to cover my rent until his money came in. As it always seems to go, he did not pay and I had no way to pay the payday loan back.
They kept trying to run payment through and it kept getting kicked back by my bank. The hole got deeper and deeper until repayment was impossible.

Finally, about 3 months later I was starting to get back on my feet and wrote the loan company to work out a small payment plan but it was too late. They had sold the loan.
From there Im not sure where it went because everyone was calling me for money owed. However, today got a call from Financial Crime Services and they left a message that they got a certified letter returned to them. I never got one.,Can the US Dept.

Of Justice demand money from you if it is a payday loan?,The U.S. Department of Justice doesnt do collection work for payday loan outfits. If someone calls you demanding payment for a payday loan and claims to be a representative of the DoJ, they are lying to you.,I was contacted at my job yesterday by someone claiming to be a Lehigh County officer (PA) and that a warrant for my arrest would be issued if I didnt pay for an old payday loan debt immediately.
He also stated thered be a chance I would be arrested either at my job or residence and then be liable for an additional $3000 + attorney fees. Dazed and confused and against my better judgement, I did not question the validity of it thinking it was related to some old payday loan dispute I had about 5-6 years ago.

I did pay the loan but they wanted to charge me some rediculous additional fees which I never paid!!,Today I had a man call me and say he was a attorney. He was calling to collect a pay loan I have not paid yet. He also told me I committed check fraud.
Which to my knowledge I have not!.

He said he was calling my job and was having a officer come to my house and take me to jail.
I have never been in trouble before and im a little scared. Any advice?,My bankruptcy was discharged in 12/13 and my payday loan from CashJar was from 2011. I received a call at home, work and my mother got a call (I do not live with her) stating I was about to be charged with Check fraud for the ACH payment they were unable to take from my bank in 12/11.

I stated I went through BK and they said that it doesnt matter, it was a criminal chargeis this legit in NJ??? I asked for documentation to be sent to me and I was told nothing could be sent until an agreement was madethey also said that they are a third party Mediation Center.
I called their number back and they answered,Assuming you listed the debt in your bankruptcy and there was no objection to discharge, it was discharged. While criminal fines and restitution are not discharged, defaulting on a payday loan is very rarely criminal.
It sounds like a scam to me, but you should contact your bankruptcy lawyer to make sure.

I recommend you speak to your attorney rather than returning such calls.,I got a call about 2 weeks ago from a guy who said he was a courier for the County I am living in.
Said he had documents to serve me on a civil suit and the I needed to contact Financial Midiation and gave me the # so that I wont be served at work or home. I called the # and they said that I have a pending civil suit on a payday loan that I had closed my checking acct a couple of years ago. This was all true.(I did take a loan and defaulted when my checking acouunt closed). They wanted to settle for $970 today or $1700 if it went to court.

I told them I would make payments and then they tried to tell me they needed half this month and half next month.
I asked fo rpaperwork and have not received anything. I did give them my prepaid card info and received another call today that it cambe back insufficient.which it shouldnt have. At this point, I have decided to let them serve me because I dont have any paperwork proving what I owe so i think its a scam.
Your opinion?,i got a call saying if i didnt pay money to them today they were going to file federal charges on me for a loan at mycashnow that i never received in my bank account that i havent used in 7 years and they are threathing to arrest me while i am on the road driving a truck and my wife that is a stay at home mom of our 4 kids for fraud n send us to prison. i never received any money at all. So i called my bank they have no records of this at all but they keep harassing me to pay them 725 today on a pre-paid card and 400 a week if not me and my wife are getting warrants issued on us but we live in alabama and the place they called from is in texas. i never received a letter or email about this either. i tried to get more information from them but wouldnt give it to me. please help me or let me know what to do. they have my criminal background and everything please help me and my family.,That sounds scammy to me.

Threats of arrest are a huge red flag for scams. A legit debt collector may sue you if you fail to pay, but you cannot be arrested for simply defaulting. If it were me, Id ignore them.
Returning calls or speaking with them only encourages these people.

The longer they talk to you, the better their chances of scaring some cash out of you.,Hi I do have a payday loan the defaulted and could no pay back about two years ago a guy named Anthony Shapiro called saying he was a lawyer had a file number new my last four of my social security number said I could pay a restitution amount befor this matter went to court, saying also that this would go to court for check fraud and business fraud, and telling me that he was working with my county to file criminal charges, how do I know if this is real I dont know the name of the payday loan.
Please help I dont know what to do.,Again, you cannot be arrested for simply defaulting on a loan. The lender may sue you and get a judgment, but you wont go to jail for defaulting.,I received a phone call at work saying that legal action is being taken against me for a payday loan I asked what company is this loan from and he said American cash lending and that they have many other lenders they go under. said I had to pay $656.00 today or I will be picked up at work told him im a single mom of 3 and I dont have that kind of money and could I work something out to prevent actions. Told me am I kidding him felt like he was taking me as a joke. told me that I will be arrested tomorrow and the da Melissa something will be handling it.
I asked for the D.A. number and he said it hasnt been given to her yet. Which made me realize that he is trying to scam me.

I then asked for proof of this case and he said that he has been emailing me and I havent replied told him that is a lie cause I check my emails multiple times a day. asked to resend it and he said no that I will be getting served at my job tomorrow and arrested.,Sounds like it to me. Again, I do not recommend calling these people back. The point is to simply scare victims out of some cash.
The longer they hold you on the phone, the more likely they are to be successful.,I got a call on 6/27/2014 from Sugarland,Texas and was read check fraud charges on the phone and was told I did not pay a payday loan from 2008 in fact I have a receipt that says I did. He proceeded to say if I did not pay 800.00 right now an arrest warrant would be issued for check fraud because the account was closed, thats why I paid with a money order, I did panic and I paid, so I realized what I gad done and called back and screamed at these people and they said they would give my money back but as I soon as they do they will reissue the arrest warrant, is this legal?,Hi Bret. I received a robocall in which the robotic voice message stated that I was going to be served court documents relating to a payday loan and that I needed to call back to verify my address.

First of all, I filed Chapter 7 bankruptcy last year and all of my payday loan debt was included. Secondly, the payday loan debt the robot is questioning was paid back in 2012. These scammers are a trip. I will not call back and give them my address or any other personal information. Ive been harassed by scammers over the phone before and have received the scam emails from Mr.

Andersen and many others about being legally prosecuted. It seems scammers are getting more sophisticated developing robocalls as a way to get clueless people to call them back.
Bravo to you Bret for having this blog to let people know to beware of the scammers out here.,I lived in California received a payday loan and then became unable to pay it back. I subsequently moved to Georgia.

I filed bankruptcy in 2011, I thought I listed this company.
I was told later that criminal issues cant be listed on a bankruptcy. I have a printout of my BK payments, and this company isnt listed.
I was contacted today by an American female first, then she transferred me to an American male, stating that I am being pursued for bank fraud, theft charges, and interstate charges for issuing a bad check and leaving the state.

That was truly not the case. they said that they were going to go over and have the D.A. file the extradition papers back to Georgia, I will be contacted by the GBI,they said they would speak to the victims attorney to see if they would be willing to do anything they said, no they asked me my current zip code address out of three that I had in this city.
I told him I did not have $825, but then he said I could pay $425 today, and maybe that would work, or I could serve 18 months in jail then pay restitution when I got out. I have never been in any trouble, or to jail, I have a Masters Degree, work professionally, I just fell on hard times.

The caller was from Texas, and the loan was originally Sandpoint Capitol, I was reading that Texas laws may allow payday loan incarceration. So Im just shook up?,Your bankruptcy attorney is the right person to call. Anytime I hear of these people threatening jail time for defaulting on a personal loan, I automatically think scam.
If its a legit debt, they can sue you, but the DA isnt going to act as a debt collector. Id ignore the call. Ill bet thats what your attorney said, too.,I just wanted to share my story I got a call this morning from a Jonathan who said he was working with an attorney out of Austin, TX stating I need to resolve my issue with a payday loan from 2008 or they would send the information over to my county courthouse and have a warrant issued for my arrest.

The charges were going to be for Theft by check and breach of contract unless I can pay $3,900 today (for a $500 loan).
He went through and verified my SSN and also stated the check number and the bank it was drawn on. Needless to say, I was nervous and stupid, so I had provided some information (where I work, etc.) to this guy without thinking much about it I contacted my brother immediately after that call looking for guidance, and he told me something didnt seem right about it. He called the guy back with me on the line to discuss this he then came back and started dropping the amount I could pay to resolve the issue, bottom number came down to $1,600.,I was on this site yesterday and read with great interest the posts and advice offered by Bret. I, too, was threatened with an arrest warrant for a payday loan i did not pay.
The law firm reps had me fooled that unless I paid them the $1,400 I owed them via money gram or credit card, an arrest warrant would be issued me at the end of the day. they found my sisters phone #, called her and spewed the same threat, so before I knew it, both me and my family members were going into panic mode.,I was recently contacted by a man claiming to be from the local county clerk of courts office.

He told me he had received an email from the payday lender (an online loan I failed to repay over 4 years ago) and was going to file and process criminal check fraud charges against me, and a warrant had been issued for my arrest in my county of residence. He couldnt give much information other than the amount owed and who to contact to resolve the debt. He couldnt even tell me if the charge was a misdemeanor or felony. To say the least, it sounded fishy.
I then contacted the person whom the man told me to contact to make a resolution.

Her name was Sarah Stone operating from somewhere out of Illinois I believe. She threatened me with jail, criminal charges, lawsuits, and all sorts of things.
She wanted to do nothing but argue with me. It was very nerve-racking. The same organization has contacted me several times, always referring to a legal matter when they call.

It has become very annoying and harassing. They are clearly violating the law by making these threats.,I was contacted today from some company saying I commited a IDC offense in Wisconsin , and I will be charge and have to pay 6000 if I dont the amount of the pay day loan 3542.62 class C misdemeanor for wire fraud because I gave the payday loan company a check that didnt clear,they will have to serve me papers and I will have to go to court. she said dont try to file BK because it dont help with bad checks Westgate arbitration is the company.,I owe on a loan from Iggys payday. They re threatening to serve me with papers. They told me I could also lose my job because wire fraud is illegal in Virginia.

Any suggestions,hello, I have been dealing with a nasty bill collector for the past year, it was a small loan $300 on March 2012 online and the agency called me to set up the payments for the loan, I was very clear when i told the rep that all i could pay was $50 every pay day otherwise i would not get the loan, the guy said that it was fine that the minimum payment had to be $49 every paycheck and I agreed. being sure that thats all what they were going to take out of my checking account I gave them all my information and then i got the loan next day, then 2 weeks later they deducted the $49 out of my checking account which is what i expected and it was fine but then on my following payday they took $90 so i was mad because i was very tight with my money and i was clear that $49 was going to be my payments, so i called my bank and they pot a stop payment and i was hoping that that people were going to call me to arrange the new payments but instead they sent me to a collctions agency right away and collections started calling me asking me over $500 and claiming that i committed a fraud. months later i had to quit my job due to health issues and now those bill collectors are calling again and telling me that they will take me to court because putting a stop payment was a fraud like if i gave a bad checking account and that the lean agency never received a payment from me which is a lie because they did take 2 payments $49 and $90 for a loan of $300 that they also claimed had no interests, now the collections agency wants over $700 and saying i never paid anything towards my loan and that i will be having legal problems.what should i do? i do have bank statements showing those payments and yes my bank put a stop payment which is what the bank rep advised me to do and my other point is.all those call centers record their calls for quality control why they dont pull up that call and listen when i clearly said that i coulnt pay more than $49 every payday and the rep agreed! so who was really a fraud? but i will like somebody to tell me what can i do.thank you. i live in the state of Virginia. Angelica.,Hello thanks for replying my message! And yes I know there is a debt but the lender didnt want to deal with me about the amount they started deducting and we agreed on. IInstead they sent me to collections right away claiming i didnt pay anything when almost half of the loan was paid and the collections agency were even calling me at work and leaving messages to the front desk.
There should be some sort of arbitration in regards to the amount of interets that collectors can add to the debtand the way they approach people. Thank you,I just received a call from unkown number on my phone about a payday loan.

Asked what name of the loan was for and I stated I needed verification sent to me in the mail. She stated they no longer send it via postal mail. I stated state law says you have to send to me in postal mail, and gave here my mailing address, in which she replied I needed to give her my email.
Of course I did not do this, my question is how can they send papers to court in a state I have not lived in for almost four years. or press charges on me for a loan that has even be wrote off of credit report? Don,t they have to come to state and county I live in?

I am so tired of being harassed for a loan that I got scammed to pay back not once but twice and here we go again.,I live in Oklahoma, did a online payday loan in 2011, the first payment went like clockwork, the next payment was double the $.,So today I get a call from a man at Interstate Bureau of Complaints said he is collecting for Prison Debt Accusitions that is who acquired my loan. He said there is a Body Attachment on you.
I asked what happened to small claims court, and him getting judgement first, He stated that he did that. and I asked what was the court date, in what State, and what county, he said i dont have to tell you that, but you must pay within one hour or he was calling the local officials to have me picked up. He tried real hard to convience me that it was bank fraud, and that the cash $ was not reported to the IRS. And that he would be obligated to contact them.

Psssssst!
I am smarter than he thinks I am! I said you know the house is a mess the dogs keep barking, and grandbabies screaming.I will be waiting at the end of the drive for them, please ask them to hurry so we get the booking done before dinner is served coz I am hungry.Dirty dog hung up!:),Hello sir. I got a call from a person saying they were a government collections agency saying they were working a case for a loan I took out in 2011.

Can they sue me and send me to jail for not paying?,Yes, they can sue you (assuming you actually took the loan).,I am from WV and took out a payday loan in Ohio years ago but was not able to pay it back due to losing my job. I received a call from a law firm stating if I did not pay back the loan they would file charges against me for check fraud and I would lose my drivers license, lose my checking acct for 3yrs and be put in jail.
They also stated the Civil charges would be file in the county I reside in which again is in WV not Ohio, payday loans are illegal in WV I due believe. They also said that they were looking at my criminal record and it showed I was not a criminal(lol) and they didnt want to see me having a criminal record. They first told me the amount was $5000 but since I wasnt a criminal I only had to pay the amount of the loan which was $500. I guess what im asking is can they file a civil lawsuit against me in the county I reside in even though the loan was in Ohio???,I was contacted by someone claiming to be from a law group.

They said they were charging my with check fraud for not paying a payday loan.
I wanted to verify the information about the loan and they said there was a no contact order so I couldnt call the company. They also would only give me a PO Box not a physical address. Can you be charged with felony check fraud for defaulting on a loan, especially without any type of notice?,I have this person calling my relatives saying there with bankcorp and my mom called them back and they said I had until tomorrow at 1030am to call and set up arrangements or they will be at the court house filiing fraud charges and bouncing a check.They say I owe 1456.38 for a payday loan.Which i remember trying to get one online but was declined but they say i got the money which i didnt.They say i will go to jail is this true?Im scared and freaking out,,Hello, I received a call from someone stating that they were trying to deliver papers for a deferral warrant and a tax lien . I thought it had something to do with county taxes so I called around and there werent any problems with my taxes. So I called the number they left the man that answered said that he was a lawyer and he was calling about a pdl my mother had taken out last year sometime.He said that if someone didnt agree to pay atleast $811.00 dollars by January 1st that the police would pick someone up.

He also said that if the $811.00 wasnt paid by January 1st they would take any income tax we received back and attach my mothers social security checks..
He also claimed to have access to the atm camera footage from our bank where last year we had a joint account and he said that they would just get that and who ever took money out on that day would be arrested for check fraud. Now I know from having taken out a pdl myself you have to give your bank information but can they charge you with check fraud?? and can they access my banks information like that??

I said I would pay it because I dont want my self or my mother to go to jail but now im starting to wonder if they were for real or scammers.I checked the number and it shows up as out of Chicago. And I called one of those loan resolution places and they said that they cant arrest anyone for not paying a pdlbut im still concerned im on disability and my mother is as well we dont have the money to pay this backand although I know a lot of people use debit resolution to help fix things I honestly just dont have the money to pay any on this loanDo you have any suggestions? Thank You!!!,I defaulted on a payday loan probably about a year ago.
Not on purpose.

But I just could not afford to keep paying them. Lately the calls are no longer just annoying.
They have become aggressive.

They are now threatening to serve me papers at my job.
They call my personal line at work requesting to speak to my supervisor. I said no of course. They then call back and state they are on their way to my job and will come to the front desk and speak to them then. They state they want to talk to them how they want to handle me being their employee and being a defendant in “defrauding case” and sometimes they say “theft by deception”.

Can they really speak to my employer? I am not a criminal and I do not want my boss to think these things about me because I defaulted on a loan!,Thanks for posting this. No one called me, but two men in suits showed up at my door and I am terrified. I live in the state of Kansas and the only things that come to mind is These men came to arrest me because I defualted on my pay day loan (I never wrote a check, it was cash and debit card) or because I owe $350 bucks in state taxes. #128577; How can I remedy this without going to jail?
Can the DA issue warrants for this?,The District Attorney issues warrants for criminal matters, not civil disputes. Simply defaulting on a loan is not criminal.

If you owe state taxes, call a local attorney for help in repaying them or discharging them in bankruptcy.,2 Years ago I had a received a few phone calls from a law firm claiming I had a unpaid USA Cash Advanced Payday loan from 2004 in California. I did live in California for the months of April and March of that year but didnt ever apply or receive any type of loan.
After several heated and very stressful phone calls with this law firm threatening me with arrest on felony charges of theft and bank fraud resulting in prison time I called USA Cash Advance Corporate number and talk with a very helpful man. After a deep investigation he called me back and said he couldnt find any indication that I had ever received a loan from any them at any of their locations. I reported the law firm (i cant recall the name) to BBB and Consumer affairs.

Just recently Ive been receiving 2 to 3 daily calls and getting letters from a company called Revenue Recovery Services out of Minnetonka, Mn. I dont answer their calls But the letter stated it purchased this outstanding Debt from USA Cash Advance and have one week to pay them or they will be forced to file a lawsuit. They are not accredited through BBB and I cant find any active business license under their name through Minnesota Department of Commerce. I thought it was all over 2 years ago.. I thought I did everything right to make them stop I thought Id never hear from them again What can I do Now?
Im at a loss, afraid to answer my phone. please help any advice would be greatly appreciated.

I dont want to go through that hell again.,So I i received a 2 voice messages from a Jeff Douglas stating that he has setup his schedule to meet me and hand me a court summons at my residence or else my workplace. He said that he would be coming on Monday March 9, 2015 to give my the papers. It is 8:30am and my brother receives a call from him about me having to go to court.

My brother ask for what reason and Jeff said I cant tell you because its *restricted*. My brother got worried and called me. I told him to not worry and Ill call our local District Attorney.
As I called the District Attorney, I told them about my story and they said that its a scam and the payday lender or third party cant do that because it would be up to the DA to decide if the person did something illegal. Im still a bit worried about what if they know where I live and they come and rob me or something because of a payday loan?
Plus I live in Wisconsin.,I received a call from a company who called themselves Regional Processing out of buffalo NY.

I cant find them online I live in N. Ca They told me a had an outstanding loan through a payday loan company (QC Holdings) that I owed $350 to.
I have taken a loan out in the past and dont think I paid it back, but I dont remember the loan company. They are threatening me with legal action and were trying to make me pay it off over the phone and said since I didnt they were going to serve me with papers what does that mean? they made it sound like I had committed check fraud and could face legal punishment.,Can I be arrested for writing a post dated check to a payday loan business and the checking account is no longer open for them to get their money back and I cant go and Kay them either because I dont have the money ? I have been paying them for 4 years at 391% interest and having to rewrite after I pay them back. I simply cant afford this anymore.

This is for the state of South Carolina.,Hi. I received an email saying that i was going to be arrested for nonpayment of payday loanso i called the number that was provided.
When i calledi spoke with a guy ..that say he was an attorney and that he was goin file papers and have me arrested..oh and i live in Philadelphia..,Hey how are u..im getting a call from a texas number saying his name is investagator marshall..i got a loan from approve cash for 300 dollars a year ago i recently failed bankruptcy on them..he just recently called and said he will put a warrant out for my arrest if i dnt pay a balance of 1000 buy the 29 of this month i said my loan was 300 he saying its intrest fees..and every time i ask can they send ne something in the mail he get aggressive wit threats and basicly saying if i dnt wanna handle the situation he will hust put the warrent out but im in detroit he is calling out of texas..i just dnt have for jail..and how he kno my information so well,Thanks for sharing. I dont know how he got your information. Im guessing he got it from the loan application.

Those online loan outfits arent the most ethical, and they may have sold it to the caller. Personally, Id just ignore the calls.
Theyll usually just move on to someone more gullible.,I have a payday loan co. in Texas and want to close my business can anyone tell me how to close? I want to do this legally in the state of Texas. thanks for any advice you can give Art,My question really has to do with the legality of what the payday loan people are doing to try to get paid. I do have a couple of payday loans I took out to help my children with school supplies and so on nothing major but things we had to have to complete school or get projects done.
Since I have had to discontinue my bank account due to the astronomical interest they charges they like to charge.

I know its a business but since then they have been calling my job and telling the people that answer the phone that this is a emergency personal phone call and then once they told them I wasnt working that day or whatever, they then asked to speak to my boss. They are doing this almost every single week and getting, Thank God, the same person on the phone that is willing to not tell my boss about it but Im tired of having to go into a room and explain that they can either send me a letter or whatever as I work every single day, except Sunday, and cant get on the phone during business hours.
I dont know what else to do. I cant get them to quit calling me, which if it were only on my cell or at home I could understand and deal with it as it is my mess, but my boss or employees dont have any reason to know anything about my financial hardships.

How can I get them to stop calling my job?,I received a message, as did my Motherthat I was being charged with Grand Larceny for an unpaid PayDay Loan. I did, regrettably, take out some PayDay loans in 2008but am confident that they have been paid (though I did not keep every receipt).
I did email them an ask for proof of the debtbut in the meantime.Grand Larceny? Not only embarrassing that they call my mombut very upsetting to her too!

She is in her 70s and does not need this kind of stress and worry!,I got a call stating I owed $900 for a payday loan from two years ago.
I did take out a loan and lost my job due to layoff. The representative called me and said they had criminal charges pending against me and he was going to press charges for fraudulent check.I got so scared I had an emotional break down. He keeps leaving threatening voicemails.

What can I do? My hair is falling out and I keep looking out my window thinking the cops are coming to my apartment.,As with most of these scams, its best to just ignore the caller. They do not usually represent the creditor and are just trying to scare you out of your hard-earned cash.,I too was just notified by a debt collector for a payday loan about 2 years old.
Cashnetusa is notorious for predatory lending and usury rates. I have a Paralegal certificate but unfortunately have not found employment in Los Angeles even though I graduated from UCLA and Im an a SSDI recipient as well.

I did pay one month repayment ($350) and about $100 thereafter and then stopped payment.
Id have to check bank statements for certainty. They have used the above-mentioned tactics but have not threatened me personally or criminally at this juncture (which I know is unlawful to do.) Their claim is for $1100 or $1200 but would settle for $700 something, frankly I stopped listening. My question to you is this: if they do legally serve me would it be in Small Claims or Federal Court?

I expect it to be Small Claims but could be wrong. I am willing to appear in Small Claims and provide all supporting documentation in my defense.,*Usually* scammers say they are from CashNetUSA, but they actually have no connection to CashNet.
I think they use CNUSAs name, because CNUSA gives tons of online loans, and theres a good chance that potential victims have dealt with CNUSA. If this is a scammer, Id just ignore him/her.,This morning, I have received a text message: Attention: LEGAL NOTICE U.S.C. LAW 129 (B)An affidavit about the unpaid loan which you borrowed from our client Cash Advance America.

If you are looking to resolve this case you need to inform the Accounts Department. If we dont hear back from you then the warrant will be activated in 24 hours and well start the process to take this in the court house for loan fraud under U.S.C Law 129 (B). CPN: LGBDT 62488, Department number: 630-847-4718, Company Name: National Debt Collector (Nason Law Firm),What bothers me is that: Yes, I took out a payday loan a couple of years ago, it was for $300they spent 6 months taking over $145 each week from my bank account.

When I lost my job, they continued to deduct which put my bank account into overdraft and I had to have it closed. This isnt the first text, email, or phone call that Ive gotten.
Theyre annoying and no matter how many times I tell them, that I do not have the ability to pay back whatever interest they feel that I still owe, they still continue to contact me, and I continue to ignore.

The next thing that bothers me is that this time, theyre using YOUR (Nason Law Firm) name as the attorney whos going to start the warrant process. I dont know if youve had this brought to your attention before, but wellThe more you know.,I received a phone call today telling me to call another number saying I had 2 bank fraud cases against me with a case number. They also told me I needed to let them know something by tomorrow at 9:00 am or they were going to come to my job or my home to detain me. I called the number and all it did was ring.
I got an online loan years ago and paid it off like 4 times behind threats because I never researched it. Im very distraught because they called my place of employment and threatened me.

What can I do? How can I keep them from continually harassing me?
Please advise.,hello. i had payday loans from over 10 years ago. i received several calls from companies, and i paid the debt 3 times over, and never received a letter saying it was paid in full.i now know i was scammed.

I am receiving new calls fro a company called CRs, telling me that the attorneys are coming after for for check fraud and willful avasion. I explained how i dont trust giving my info to anyone , especially over the phone. i asked for address of company and he told me that for the safety of the compays employees, they cant give that info. i explained i wanted to check with the better business and see if they were legit. he accussed me of just making excuses. i asked for the attorneys info, and he said that i could only get it if i refuse to pay for it and they summoned me and then i could just pay the courts.i looked CRs up online, and they seem legit, but, doeant mean they can do what they are claimimg.
I am in the process of filing bankrupcy and they are telling me that I cant file on them because of a clause in the fine print. can you plaese let me know what they can and cant do.,I received a phone call today from someone claiming to be a private location investigator that she received a case file with my name on it. They left a message for me to contact the Arbitrator to leave a statement on file prior to her filing the case for a hearing and that she needed me to contact the Arbitrator so that they could tell her to desist and not file the case. Upon calling the number the gentleman stated he was contacting me regarding CashNet, for a payday loan that was 7 years old.

He also stated that I had committed Fraud by not repaying those monies.
I informed him I believe CashNet was listed on my bankruptcy, which was just over 7 years ago. The gentleman got gruff and stated that it would not have been covered by the bankruptcy as it was not a credit, that it was a loan and I basically committed fraud and stole the money.

I also told him I knew nothing about this nor had I heard anything in all these years.
Which he called me a liar and stated I could have at least paid $5 a week or something. Again I repeated I had filed bankruptcy and did not know about this. I had been through a long bout of unemployment and had gone through a divorce. Once again calling me a liar he brought up several other collectors and started insulting me and calling me a thief and having stole from all of those other creditors as well, that I had a habit of it.

I naturally got insulted, cursed at him and hung up. I later called back to apologize and he informed me not to call his office again, that I had my chance.,My mom, bless her heart, opened two or three of those payday loans about six years ago. She did pay some of the loans back, but as time went on and the interest kept rising, she couldnt keep up with the payments and were marked as default and were sold to collection agencies. And like clockwork, the harassing calls came and went.
Being the oldest child (and because I wanted to do something to try and ease her mind), I did lots of research and eventually familiarized myself with their tricks.

For a while, there were no calls, but today my mom calls me completely frazzled.
She said that some nice lady (the word nice kept throwing me off) called from some company and that her name was something like Mrs. Smith and went on to tell her that she has 24 hours to pay half (or some amount) of the loan or otherwise they will take criminal action.

Instantly, my mind snapped and I calmed her down and explained that although she does owe the money, these people cant take any legal action against you. There was one little detail that threw me for a loop, however.
The woman talking to my mom was aware that her wages were being garnished (from a hefty student loan forever and a year ago). Is this generally a bad sign? Assuming that these people readily knew her SSN, could that information be readily available to them?

Or maybe its automatically apparent in their system? I did what I could to calm her down, but she wasnt having it.,If I were a betting man, Id say it was a scam.
Scammers can get a lot of info from people, but its easier to just scare them into giving money voluntarily. If your mom got some online payday loans, its possible that the scammers got her info from the original lender(s).,Hello i live in Pittsburgh pa, and got a title loan in ohio, i was 1 payment behind and they came and repoed my truck and the only way i was able to retrieve it was to go way far out past ohio with alot more money than i owed needless to say i had no way out there, anyhoot is this lega?

Me in pa and them in ohio,Hello I received a phone call this morning from a local number that I recognized so I answered. He claimed to be a criminal investigator and that I had made a payday loan back in 2010. He read my social security # and DOB and a old checking account number I had. He stated that I would be arrested at my employment if I didnt make a payment and would be served paperwork after I went to court.

He also contacted my father, which I have no idea how he got his phone number.
I asked how he got my fathers number and he said that I was on a recorded line with a silent listener who worked for the state and she got his information. I am scared and dont know what to do.,Hello I received a call from 888-454-9147, They left a voicemail saying that a formal complaint has been filed against me and that if anyone knows my whereabouts to contact them.
I called them myself to see what was going on. The guy stated that he was form CFS. I looked up CFS while I was on the phone with him and found no information on that company.

I asked him to tell me a little more about his company and he stated that they were a private company that only works with clients.
I asked him if they were private and no listed how does his clients find them. He refused to answer and stated that he was a legal mediator for a payday company I took a loan out from and demanded that I paid 380 dollars to avoid jail time for check fraud. I told him that I needed a little more information about his company he refused again and stated that he was legit saying that he has my address and ssn.

I told him that any 3rd party debt collector can retrieve that information once my debt is sold and told him that I feel that he is a debt collector and is trying to use a scare tactic against me and would get the money to the company when I am able to.
Is there a legit company called the CFS,I got a call from houston mediaition saying they were going.to file 2 felony warrent for defarding a bank and bad check if I didnt pay 1363.10. I dont remember doing any advance cash loan. I called the advance cash corporate and they said the same thing. So I payed the amoumt. How do i find out if i was scam or not.

They were filing the warrent in the city I live in. They also said.they would.send me all the legal paper on the case.,I have been receiving calls from American web loan collectors. The are threatening to subpoena me with papers to go to court from a sheriff calling my work to see when I would be there so that I can be served. I called the number my boss gave me and talked to a woman named Serena who spoke english so I assumed she was american.

She said that they were calling from CA. and that that I owed 800 on a loan from 2012.
She said if I pay it that same day she would accept 650 to stop the Fraud proceedings. Im in IL. I told her I would call her back at 888-487-9504 but I didnt and now she is leaving No-ID voice mails stating they are coming to my work (which she mentioned by name) to have me go to court.

Iremember having to close my account because they were drain it every pay day and my other bills were bouncing. I found this document online.,What if they threaten through email and not a phone call?
I received an email today stating that if no payment is made by 6pm tonight that a warrant would be issued for my arrest.

Its from a loan company that I did have a loan through,I was contacted two days ago by a woman who said she worked for National Filing. She gave me a case number which was 2014JC(my initials) and the last 4 of my SSN.
Her number came up as 916-400-0335 a Sacremento, CA number.

She said I had to call another number 937-732-6008 a Dayton, OH number, and settle a debt or felony fraud charges would be filed against me. I called the second number and the woman explained that I owed 1300 and if I didnt pay by noon the following day Id go to jail.
She said that I took out a payday loan in 2011 and never repaid it. Its been six years and I was down on my luck at the time and did take a few payday loans.

I may not have always paid on time, but I always paid they were relentless, they would hound you if you didnt pay. But, everything sounded so legit that I worried. After the call, when I calmed down some and actually thought about it, neither business actually said the business name when I called, they never told me who I owed, and they never said where they would file charges.

I called the second number back and asked who I owed and she said Cash Advance America, but she almost seemed reluctant to say, then I asked for her businesses name and again, she was reluctant but finally said, Nelson, Anderson, Reese and Associates. She told me then that it doesnt matter if I dont want to pay because she recorded the first conversation we had where I didnt deny the charge and that it would be enough on its own to stand up in court.
She also said that if I didnt pay the 1300 that the judge would round it up to 2000 and that i wouldnt get bail until I paid.,I received a Payday loan a couple months ago for 400.00 I lost my job and was put on a payment plan I have made 2 of the 4 payments and as a result of an accident I wasnt able to make the payment on the due date I was told that they were going to turn in the 496.00 post dated check I wrote at the time I got the loan I told them there was no money in the bank account and I could make the payment I have paid half the amount of the loan can they turn in the check written for the full amount f the loan since Ive already paid half,Say I got a payday loan at Advance America and I can not back it back in time next week here in the state of OK, would I be facing jail time?,I got a call today from a supposed collector that said that I took out a payday loan that has been written off and now they are pressing bank fraud and other theft charges against me at 11 am tomorrow. I would not confirm any information, they had the name of my bank and said the account was closed and they had the last 4 of my social and my email address. They claimed they sent me a letter, and would not tell me the name of their company.

I got initials and part of a file number.
I feel on hard times and wasnt able to pay my loan back in full. but had been making payments and my bank is not closed. They claim now I owe over $7,000 in court costs and attorney fees on top of my loan. I still dont know who they are. Can they really press charges against me for bank fraud?
This has me worried, it could cause me to loose my job, if they involve my employer.,I have received 3 phone calls over the past 2 months about a courier service that needs to deliver something to me its for Get cash usa its from 2014 and the company when you google it says permanently closed.

My question is this morning the courier said if it was not delivered today it will go to a warrant status.
I live in Texas and even though the courier service didnt tell me what they had they did give me the number for some place named alliance and the case # is this whole thing a scam?

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