Georgia Whacks Payday Lenders in Court
By LISA COSTON
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ATLANTA (CN) - Payday lenders Western Sky Financial and CashCall illegally sack customer's bank accounts and abuse their victims with obscene language, threats, and phone calls "at all hours of the day and night," Georgia's attorney general claims in court.
    The payday lenders are not licensed in Georgia, but they collaborate in a "common enterprise" to peddle high-interest, fee-laden loans via TV ads and the Internet, topped off with abusive collection practices, Georgia says.
    The attorney general sued the companies and Western Sky CEO Martin A. Webb, in Fulton County Superior Court.
    Western Sky, a South Dakota corporation, and CashCall, of Los Angeles, are not licensed "to make, offer, arrange, or act as an agent in the making of loans of $3,000 or less to consumers in the State of Georgia," the attorney general says.
    They also charge interest rates far higher than the state limit of 10 percent.
    "Plaintiff continues to receive a substantial number of consumer complaints regarding Western Sky's payday loans, including that Western Sky continues to electronically withdraw funds from consumers' bank accounts to collect high-interest payments even though the consumers have repaid the full amount of the principal on the loan," the attorney general says in the lawsuit.
    "Consumers have reported that CashCall representatives are harassing them with repeated telephone calls at all hours of the day and night, using obscene and abusive language over the telephone, threatening consumers with wage garnishment or other legal action, calling consumers' employers to threaten wage garnishment or other legal action and other forms of intimidation."
    The complaint adds: "Within approximately three to five business days after the loan is funded by Western Sky, the loan is assigned or sold to defendant CashCall. CashCall remains the servicer of the loan and manages the collection of payments. ...
    "(W)hen a consumer applies for a loan via Western Sky's website or toll-free telephone number, the application is received and processed by representatives of CashCall. Thus defendants collaborate in all aspects of the loan-making process."
    True annual percentage rates of the loans can be as high as 184 percent, the complaint states.
    The attorney general says that in November 2010his office sent a cease-and-desist letter to Western Sky, which responded that it would not stop lending in Georgia.
    Western Sky claimed to be owned by a member of the Cheyenne tribe, and therefore immune from state law.
    After a second cease-and-desist letter in 2012, which included an order from a Denver judge, Colorado ex rel Suthers v. Western Sky LLC and Martin Webb, rejecting Western Sky's tribal immunity arguments, the defendants responded, through counsel: "My client has decided to cease making any payday loans in the State of Georgia. A disclaimer has been added to the state pull down on the business websites specifically stating that his payday loans are not available to residents of the State of Georgia. The decision was fully effective May 10, 2012," according to the complaint.
    But in December 2012, the defendants were still selling loans in Georgia, and no disclaimer had been posted on the websites, which still listed Georgia on pull-down menus, the attorney general says.
    Georgia seeks a permanent injunction enjoining defendants from selling, advertising or soliciting loans of $3,000 or less by mail, email, the Internet or phone in Georgia, civil penalties, and all of their illegal loan transactions declared null and void.

I totally agree with you. I have consolidated my loans and they still call my work non stop and my cellphone every hour on the hour. Have told them to quit calling my place of business that I had repremanded for all the calls and it could because its law enforcement center. They have tried every number under the sky. Do they really think we are idots??????? I blame Western Sky for this....

CashCall Credit Collections Dept

They told me that they do not work with debt or payday consolidate agency

Please stop them calling 24/7 it's annoying. Do these people sleep?

they call and call...
I pay them and they call...
What to do!

913-677-9470
601-326-1569
704-764-1067
601-326-1569
832-572-5405
330-529-8585
404-921-3589

This is CashCall, Inc.

CashCall, Inc has continued it's unlawful methods of collection.  The California Attorney Generals office pursued and obtained a Judgment against CashCall, Inc in the Superior Court of California in the County of Los Angeles (Case # BC420115) in 2009.  Additionally, there is a current case in Northern California against CashCall, Inc for the same violations (Case #CV 08-3174 MEJ).  This has been certified as a Class Action Lawsuit against them.  The State of West Virginia won a $15 million dollar judgement against them for illegal collection practices.

I have been a victim of CashCall's continued practices and sent certified mail to them, thus my ability to prove their violations. Yet, they continue to violate the Judgment against them, showing blatant disregard for the Court and the Attorney Generals Office.  Further sanctions and/or action needs to be taken against them.  

I encourage EVERYONE who has similar problems with CashCall, Inc to file a complaint with the California Attorney Generals Office as well as the California Dept or Corporations.  Check back here periodically as I'm in the process of finding an attorney for action against them.

List of numbers they use:

214-453-5669--TX
562-287-5532--CA
843-376-5916--NC
706-956-0336--GA
252-389-8131--NC
918-716-9384--OK
678-818-0207--GA
336-792-7637--NC
215-933-3520--PA
832-572-5405--TX
And this doesn't include the numerous TOLL FREE numbers they call from.

These jerks call my work number nonstop.  I am in the process of consolidating this loan with a couple of others through Clear One Advantage.  They aren't supposed to call my office nonstop are they?  Western Sky sold my loan to these clowns and they are the worst.  I will be glad when whatever is negotiated is paid off so I don't have to deal with them again.  I have had to turn my cell phone off for the day because they continually call and leave these recorded messages.  It is ridiculous.  I truly want it stopped.

call control app is great. 7.99 on time cost. Blocks everyone not in you contacts list. Also keep a record of how many times with dates and hour so you can send it to the FTC along with complaint for proof.

Lol!!! I believe its Cash Call calling from various numbers 678-818-0207

These are the numbers I have so far

214-453-5669--Texas
562-287-5532--CA
843-376-5916--SC
706-956-0336--GA
252-389-8131--NC
918-716-9384--OK
678-818-0207--GA

They call 8am-10pm mon-sun. I filed a complaint.

It one of the numbers that Cash Call uses.

Left no message.