Called and Left a message with my wife

Found this on the internet:

This week, three people asked me: "I took out a payday loan and I can't pay it back. Will the cops arrest me? Can I go to jail?"



At first I thought it was just a

coincidence, since people are

always asking me crazy stuff.



Then I found out what was going

on. Acouple of the payday loan

places in the city switched to a

new scummy collectionagency.

These bottom-feeders threaten

people all around the country, it

just hadn't happened here lately.

Maybe you've got the call too.

"If you don't pay by closing time

today, we'll send the police to have you arrested tomorrow."



Nobody wants to get a call like that. But you think, "Wait a minute. They can't arrest people for not paying a loan. Sue them, yes. But nobody goes to jail for being overdue on a credit card or a mortgage."



Here's what they tell you: "This is different. You wrote a bad check" (if you gave a post-dated check). Or, "You committed bank fraud" (if you authorized a transfer





























needs to prove that you intended to write a bad check and that the company accepting the check didn't know there were no funds.



Good luck with that.



At the time the payday loan company accepted your post-dated check or future bank account withdrawal, they knew you didn't have those funds in your account. Duh. That's the whole point.



And how are they going to prove you didn't plan to have the money in your account later? Unless you were planning not to repay from the very start and they can prove it, they wouldn't stand a chance prosecuting you for a bad check. They know it. You haven't committed any crime. The cops wouldn't care.



If you want to eavesdrop on what would probably happen if they tried to get a cop to arrest you, here ya go. A fellow who works in a county office asks, what do you do when these payday loan companies come in, wanting us to prosecute people for bad checks? And most of the other counties tell him, we just ignore them. We don't like 'em anyway.



But it might get even better for you.



Payday loan companies are regulated in most states. Figure out which state laws apply to you. If you got the payday loan at a storefront business in the same state you live in, obviously the laws of your state apply. If you got a loan online, it might be the laws of the state the company is in, or the laws of your state, so check both.



Then look up the state laws written in plain language at this site. Another source of payday loan laws in each state is here. The laws might not be totally up-to-date, and the legal language is hard to wade through, but try looking for words like "criminal" or "prosecuted" and see if there's an actual specific prohibition against criminal charges.



For example, in Arizona, the law actually says: An individual who issues a personal check to a payday loan place is not subject to criminal prosecution. In Kentucky, every payday loan place has to actually post a sign that says nobody will be prosecuted or convicted of writing cold checks or of theft by deception.



If you're really lucky, you might even find out that out-of-state internet loans are illegal in your state, and the company was breaking the law by loaning you the money in the first place.



Don't rely on me or other random strangers on the internet, if you really want to know where you stand. Talk to a lawyer. Sometimes lawyers will give you a free initial consultation, especially if you mention you're thinking about suing a bill collector for unfair collection practices.



But here's the bottom line: Don't let collectors bully you. Find out the law. You're not going to find any cops knocking on your door. You're not going to jail.



That doesn't mean you can just forget about paying back the loan. You do owe the money, and they can probably sue you in civil court, add a bunch of costs and fees and interest, garnish your wages or put a lien on your property. You don't want that. Talk to them before it gets that far. Try this, if it's not to late. Or see if you can get another loan, or borrow money someplace else to pay it back, or do anything you can rather than default.



But don't let them scare you. You're not going to jail.

This is what I found on another website about this number:

This company is fishing for personal informaiton. They got me so worked up threatening my credit report, stating that they'd contact my employer, etc. yet never told me specifically what was going on. Called my bank immediately and they put an alert on my account that any transactions attached to that number or any similar variation should be suspended immediately. She told me that these types of companies try to get you upset enough to release personal information in order to clear your name and credit and then they use that information. DO NOT GIVE THEM ANY PERSONAL INFORMATION! They usually have part of something that they want you to verify. Part of a phone number, part of an employer name, part of an address, etc. If you do happen to answer, just confirm as much of their name, company name and phone number so you have a little information. Hang up and then refer it to the BBB, the police or your phone company.

I would not give them any information.

I would just call them and try to settle. Paul called me and offered a reduction I took the offer. Just FYI.

Had CRA call my moms home looking for my husband. Spoke to me but wouldn't tell me anything except that they were going to send a process server out to our home. Told me that they got her home number thru public records???? REALLY! How do you figure that when he doesn't even live at her home nor has he ever. They could have easily found his folks.

Call originally came in as 213-375-5728 and left this number (866-838-9497) as the return number....