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  1. #1
    Join Date
    Sep 2016
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    13,916

    Default What to Do if Contacted by a Debt Collector Over a Payday Loan You Didn't Take

    A man in California has been contacted by a debt collection law firm over a payday loan, supposedly from 2013. However, he has not taken out any loans since 2008, when he went through a Chapter 7 bankruptcy. He has asked for documentation of the loan, but they have not provided any. They are telling him that "I didn't take out the loan' is a common excuse people use to get out of paying, and that he should just start paying the money. What should he do?

  2. #2
    Join Date
    Sep 2005
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    Behind a Desk
    Posts
    98,846

    Default Re: What to Do if Contacted by a Debt Collector Over a Payday Loan You Didn't Take

    I doubt that this is a law firm. It could be a debt collection firm that is not a law firm. Further, if the debt was supposedly from 2013, they're about to run into a statute of limitations issue.

    You should not pay anything until they document that there is actually a loan, and that you are actually the borrower. If they're a law firm, they know that they will need that evidence to win a court case and they should be prepared to provide it.

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