My question involves collection proceedings in the State of: Idaho.
I recently acquired some payday loan help from a company called Payday Freedom. During the initial process, this company sent Limited Power of Attorney letters to each payday loan company, as well as Cease and Desist letters(meaning if said company wants to discuss my debt, they need to talk to Payday Freedom instead of me). I have been making payments on time with my new payment plan, and I havent heard a peep from my prior creditors...except for one.
I have a loan with a company that refuses to acknowledge the documentation sent by Payday Freedom. So now I am paying both of them, for fear of being sued by the other. In Idaho, are lenders required to abide by LPOA's and Cease and Desist letters? Payday Freedom has contacted them, and so have I, and they just refuse. I am not trying to skip out on my debt, but I have been taken to court over a debt before and its not fun. I did some research and this company is very sue-happy, and quick to start litigation proceedings if you are you a day late.

