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  1. #1
    Join Date
    Feb 2013
    Location
    Fort Worth, Texas, United States
    Posts
    2

    Exclamation Am I Going to Jail for Defaulting on Payday Loan

    My question involves collection proceedings in the State of: Tx

    i was contacted by legal research group about a payday loan that i took out in 2007. it is 2013 now. this loan was over internet , i made oe payment back then, since then i fell on hard times and could not m,ake any payments.

    Now there are saying they have video of me walking into establishment, cashing check , and committing bank fraud. I Live in TX and the sol is 4 years. also i did this over internet so how can they even have video?

    They say it is also bank fraud and i am going to do prison time. I googled them andit looks like they are attorneys. i know i shouda paid it. but i am in hard times and cannot. it is past the SOL in texas.

    do I lose all rights? what rights do I have? can i really do prison time over a payday loan? be y luck i get put away for life or get death penalty.! i am willing to talk to n attoprny but i cannot afford one. I dont know what i can do if anything.

    The collectors are in Detroit Mi
    they are at [B]313 822 4280 legal research group


    please help
    patrick

  2. #2
    Join Date
    Sep 2012
    Posts
    1,991

    Default Re: Am I Going to Jain for Defaulting on Payday Loan

    did your forge a check or write a knowingly bad check?

    if not they are so full of something it's making their eyes brown.

  3. #3
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Am I Going to Jain for Defaulting on Payday Loan

    can i really do prison time over a payday loan?
    No.

    These guys are not attorneys, they are junk debt buyers, and threatening you with prison for defaulting on a loan is illegal under the FDCPA. Tell 'em to sod off.

    Read these:

    Telephone Collection Scam Related to Delinquent Payday Loans

    12/01/2010—The IC3 receives a high volume of complaints from victims of payday loan telephone collection scams. In these scams, a caller claims that the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check cashing services.

    One of the most insidious aspects of this scam is that the callers have accurate information about the victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and names and telephone numbers of relatives and friends. The method by which the fraudsters obtained the personal information is unclear, but victims often relay that they had completed online applications for other loans or credit cards before the calls began.

    The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide to the victims any details of the alleged payday loans and become abusive when questioned. The callers threaten victims with legal actions, arrests, and in some cases physical violence if they refuse to pay. In many cases, the callers even resort to harassment of the victim’s relatives, friends, and employers.

    Some fraudsters instruct victims to fax a statement agreeing to pay a certain dollar amount, on a specific date, via prepaid visa card. The statement further declares that the victim would never dispute the debt.

    These telephone calls are an attempt to obtain payment by instilling fear in the victims. Do not follow the instructions of the caller.

    If you receive telephone calls such as these, you should:

    Contact your banking institutions;
    Contact the three major credit bureaus and request an alert be put on your file;
    Contact your local law enforcement agencies if you feel you are in immediate danger;
    File a complaint at www.IC3.gov.
    New Variation on Telephone Collection Scam Related to Delinquent Payday Loans

    02/21/12—The Internet Crime Complaint Center (IC3) continues to receive complaints from victims of payday loan telephone collection scams. As previously reported in December 2010, the typical payday loan scam involves a caller who claims the victim is delinquent on a payday loan and must make payment to avoid legal consequences.

    Callers pose as representatives of the FBI, “Federal Legislative Department,” various law firms, or other legitimate-sounding agencies and claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, or other Internet check-cashing services. The fraudsters relentlessly call the victim’s home, cell phone, and place of employment in attempts to obtain payment. The callers refuse to provide information regarding the alleged payday loan or any documentation and become verbally abusive when questioned.

    The IC3 has observed variations of this scam in which the caller tells the victim that there are outstanding warrants for the victim’s arrest. The caller claims that the basis of the warrants is non-payment of the underlying loan and/or hacking. If it’s the latter, the caller tells the victim that he or she is wanted for hacking into a business’ computer system to steal customer information. The caller will then demand payment via debit/credit card; in other cases, the caller further instructs victims to obtain a prepaid card to cover the payment.

    The high-pressure collection tactics used by the fraudsters have also evolved. In one recent complaint, a person posed as a process server and appeared at the victim’s job. In another instance, a phony process server came to a victim’s home. In both cases, after claiming to be serving a court summons, the alleged process server said the victim could avoid going to court if he or she provided a debit card number for repayment of the loan.

    If you are contacted by someone who is trying to collect a debt that you do not owe, you should:

    Contact your local law enforcement agencies if you feel you are in immediate danger;
    Contact your bank(s) and credit card companies;
    Contact the three major credit bureaus and request an alert be put on your file;
    If you have received a legitimate loan and want to verify that you do not have any outstanding obligation, contact the loan company directly;
    File a complaint at www.IC3.gov.

    http://www.fbi.gov/scams-safety/e-scams

  4. #4
    Join Date
    Feb 2013
    Location
    Fort Worth, Texas, United States
    Posts
    2

    Default Re: Am I Going to Jain for Defaulting on Payday Loan

    i called that number and some attorns answered they sound real and have a detroid, Mi area code and number
    needles to say i am scARED

  5. #5
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Am I Going to Jain for Defaulting on Payday Loan

    I just told you to ignore them. I just gave you information FROM THE FBI explaining that this is a crock of BS. If you're not going to listen and just fret and worry, why are you here wasting my time?

    One more time: You can't go to jail for defaulting on a loan, and it's illegal for these cretins to threaten you with it. IGNORE THEM.

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