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Debt Consolidation Forums Payday Loan help

Threat of charges



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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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waffles
waffles


Posts: 1677
Credits: 30888.755798795 Send message to waffles

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


kscornell
kscornell

Posts: 4283
Credits: 47247.210550976 Send message to kscornell

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.



SOAPLADY
SOAPLADY


Debt Samaritan
Posts: 17122
Credits: 388743.24832917 Send message to SOAPLADY

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
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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