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Debt Consolidation Forums Payday Loan help

Threat of charges


Sub: Threat of charges
Sat, 09/02/2013 18:27

I took out a payday loan w/check 'n go in aug. '12. I had been out of work for many months and struggling physically to work at all. I tried to work for one month, but had to quit sept. 15, '12. Doctor told me to apply for disability which I did. Not working left me no money to pay back the payday loan. They called my references telling thme about my debt and telling them I was going to jail. Upset my whole church family terribly. I filed a complaint w/the company and got no response. They called yelling, cursing, and screaming, so I stopped answering the calls. I tried to get them to at least respond to the privacy complaint telling them, when they did I would work out a payment and not until. Now they have a collection agency threatening to charge me in court w/fraud and breach of contract hinting, not actually saying it, but hinting I could go to jail on fraud charges. can I go to jail if they try to charge me with fraud?

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Posts: 1678
Credits: 30990.347782844

Sub: #1 No because you didn't commitTue, 02/12/2013 - 16:27

No because you didn't commit fraud... tell them to drop dead and call Check N Go and verify placement. Even if this is a legit CA, they are breaking the law.. do as soaplady says.

Is my payday lender illegal in my state?

How to deal with illegal lenders, courtesy of OhioGal

How to write a proper debt validation request, courtesy of SOAPLADY

How to deal with a Collection agency contacting you for PDLs


Posts: 4283
Credits: 47283.810550976

Sub: #2 Have you tried contactingMon, 02/11/2013 - 03:08

Have you tried contacting Check 'N Go directly and bypassing the Collection Agency? I bet they would probably work something out with you.


Debt Samaritan
Posts: 17129
Credits: 410213.78530208

Sub: #3 No you CANNOT go to jail..Sat, 02/09/2013 - 18:38

No you CANNOT go to jail...debts are civil, not criminal.

Send the collection agency a cease and desist letter telling them to NEVER contact you or anyone else again. File a complaint with your state AG's office and the FTC.

How to Deal with Illegal Loans..OhioGal's Primer
PDL's are ILLEGAL in the following states...
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states

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