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USA Web Cash collection calls? Need advice.

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In January 2012 I had a $300 online loan with USA Web Cash. They are authorized & licensed to lend in my state. I was going through a very bad time, and did not repay it. My loan status is "written off" on their site (I logged in to check) as of May 2012.

This morning, September 2013, I received a collection call from 718-412-9486 threatening legal action and telling me I needed to set something up before the attorneys proceed. They say I now owe over $900 to repay.

If the original lender wrote my loan off, what can they do? I am concerned about this. I have my life back on track but my budget is very tight due to all my repayments and I just can't afford even $50/month toward repaying something.




The company never identified themselves. Google search of the number shows it is owned by "Level 3 Communications LLC" in NY, appears to be a collection agency of some sort, most records show it in other parts of the country.

Sub: #1 posted on Mon, 09/23/2013 - 21:23

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their website states they are an installment lender,and don't do pdl's.also they don't loan below 500.00 as they are an installment lender.now what state are you in?a serach of the number reveals alot of complaints meaning bottomfeeder.seems like another legal lender just passing their debt to a bottomfeeder.need to know your state before advising further.

Sub: #2 posted on Mon, 09/23/2013 - 21:26

paulmergel paulmergel
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level 3 communications is an internet and telecommunications company.nowhere in any state does it show they are collectors.they might have spoofed the number which is illegal,but i doubt this is really level 3.i would report them,and usa web cash as they have their fair share of complaints as well.next time this place calls demand something in writing as any legit place will provide at least a dunning letter.never pay,or give any voice over the phone any credibility until you see something in writing.now what state aer you in?

Sub: #3 posted on Tue, 09/24/2013 - 02:12

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

I am in Texas. It was an online loan for $300 with repayments of $66/month, so an installment type loan.

Sub: #4 posted on Tue, 09/24/2013 - 03:13

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again i didn't see a license in the CSO database.anyway even if this was a legal lender this "law firm"is not as again level 3 is not a CA.so this bottomfeeder spoofed their number most illegal.btw if they threaten garnishment then you know they are not legit as TX is non-garnishment.furthermore your state is one of the most consumer friendly,and collector non-friendly states.now anyplace must post a bond with your DFI to collect.next time they call demand at least the name of this"law firm"then look them up for their bond.if they refuse to give you a name ignore them as they are not legit at all,and you need to report usa web cash to your AG.last thing again demand at least the name of this place as they must post a bond to collect,and i almost guarantee they don't have it.

Sub: #5 posted on Tue, 09/24/2013 - 19:01

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

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