resident 47...thank you for taking the time out to help me...this has nothing to do with me,but a friend of mine says the laws of a B2B is totally different from a consumer debt and he also believes there is NO SOL ON A B2B CARD..at first i didnt even know what B2B meant..its a business to business collection agency they only handle businesses credit card debt.
then he says the FCEUA is like the FDCPA but the FCEUA is for businesses only and he cant find out if there is an SOL on businesses debt..
                    THANKS AGAIN FOR YOUR HELP...

Hmm .... well, let's see if I can avoid detouring too far off topic. I believe a SoL on Open Accounts is agnostic to the category of credit card. You should in any case look at your own state laws for any goofy exceptions and to be sure my theory isn't dead wrong.

The real problem with business accounts is that they don't enjoy the shelter of consumer protection laws like FDCPA. Supposedly as a business owner you are not considered "least sophisticated" about handling your money. If you get sued over a business credit card it is possible, against the collector's protest, to invoke consumer law if you can demonstrate that a majority of purchases turned out to be for personal reasons.

FCEUA is an enlightened state law in Pennsylvania which pretty much copies the FDCPA and aims at original creditors.

collector....it doesnt matter if its a pdl or a regular loan..it does matter the pdl operated illegally in the state of arizonia and they should be fined thousands of dollars and if the judge orders to pay back what you borrowed then you pay back the original loan amount..THE PDL DOES NOT MAKE A PROFIT..and that also goes for the third party sleazy debt collection company.,..
let me ask you two questions
1..how come your not registered with the BBB i do know that you dont have to register but i believe if a low life company doesnt register is because there a constant violation of the collection law and you dont want consumers to read it about your low life company.
2..now you stated that we make examples of  people and arizona is not one of them,so you do reconize that the PDL is illegal so why does your low life company try to collect on it or even buy the debt..you know that at least 85% of the debtors does not know the law so you use scare tactics and try to collect on a debt that you paid only 50.00 and your looking for a 700.00 profit..that is STEALING MONEY..
i categorize third party debt collectors..
the ability to lie
the ability to steal our money once you get there banking info
the ability to not follow the fdcap law

Resident 47..thank you..
i do have a question for you...say i took out a credit card under the business name is the sol the same as the c/c not under a business name..also FCEUA is that a collection agency for business debt only

It's not a scam.. It's collecting on a debt that people didn't pay back. It doesn't matter if it's a PDL or regular loan or whatever, they didn't pay it back. I'll agree some are legit already paid debt and an error must have occurred somewhere. However, most of the time people intend to not pay it back because they think they can just get away with it. So who is the low life shill? Come on at least I have a job, half the people I call either don't have a job or say they don't have one just to get out of paying it. I categorize my debtors as their ability to pay, willingness to pay, and their commitment to pay. Depending on the state by the way and depending on the amount of the loan, companies such as ours WILL make examples out of few people a year. (Arizona is NOT one of them) We're a legit licensed business, it's not like were calling people out of a garage lol.

AAA was correct, by the way. Two years and three weeks ago, payday lending (and indeed all "consumer loans with annual interest rates over 36%") was wisely rendered illegal within Arizona by "Operation Sunset".

http://www.azag.gov/operation_sunset/common-questions.html

Without seeing the relevant statute, it's not clear how AZ regulates PDLs applied for in other states or on the internet. Legal cases over debt which have any choice of law dispute usually favor the state of residence in which debt was incurred, which would likely disfavor any PDL shop attempting to lend to an Arizona resident.

Oh yeah, that same Operation Sunset page offers a half dozen starting places for lawyer shopping:
http://www.azag.gov/operation_sunset/common-questions.html#12

Mr/Ms. Frowny Face

The fellas don't believe you because some variant of your fearmongering story has been seen hundreds of times, and it has never held water. I'm looking at your county's Superior Court summons form right now. It requires the Plaintiff to list a name, full address, and phone number. It's much the same where I live, and likely the same in all US jurisdictions, since having the "real parties of interest" identified is critical to the success of a civil action.

Civil Court Forms - Clerk of the Superior Court of Maricopa County
http://clerkofcourt.maricopa.gov/CATALOG.htm

We find it awfully curious that your first reaction to a lawsuit was not to consult the very few good resources for pro se litigants and not to go shopping via Avvo, Justia, Martindale, NACA, et al (or even the bloody phone directory) for leads to good consumer lawyers. Instead, you simply could not wait to come running here to a nuisance call database to tell us all about your supposed embarrassment and sleep loss. Sharpening my point here, you came to a site where mysterious callers are reported when your opponent should not have been a mystery to you.

Also I note that your summons form says this in a shadowed box right under the party names: "WARNING: This is an official document from the court that affects your rights. Read this carefully. If you do not understand it, contact a lawyer for help."

Did you miss that part or did you not actually get any summons? Let's say for indulgence some person with "papers" did visit your PoE. How do you know she was a process server?

Trying to find out who owns this phone number.

IF you're not a SHILL then contact a lawyer plain & simple  AND why did you wait so long?

He had the whole weekend to research this. with all that sleep "he lost", he could have spent time reading comments on this board & the forum. Plus, an internet search of the phone number & name calling him would have opened the eyes that it's a scam. How many times does this information have to be posted on this site? Don't just post & run- READ!

;(...you sound like a low life debt collector,anyway if your not a low life debt collector can you please give me the docket number of your case and court house that your going to and this is public record..
the reason why i believe you dont have a court date is  PDLs ARE ILLEGAL IN ARIZONA  AND THEY WILL NOT TAKE A CHANCE OF GOING TO COURT BECAUSE THE JUDGE WILL FINE THEM THOUSANDS ODF DOLLARS FOR NOT HAVING A LICENSE TO LOAN MONEY IN YOUR STATE.

They never serve papers because they're a scam, and you're a lying shill.

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It's a scam. I had received a call supposedly from a Federal Marshall stating I was being sued and to call this number and pay them money and I won't have to go to court. They are trying to collect on an illegal loan that was already paid for. Dont answer they are full of it. Just trying to scare you. By the way I googled the business name it's doesn't exist.