You claimed to "use payday loans all the time" and appear to be intimately familiar with the lenders' "back office" systems. You're so educated yet throw away your money on predatory lenders and usurious interest, and you can't seem to manage the loans very well if it takes a lawsuit to collect your payments.
Next you claimed to settle rapidly with strangers on the phone, thus rescuing you from a trip to the courthouse. This you seized upon as an opportunity to presumptuously scold the readers about "stealing money" and beat your breast as a Satisfied Victim of fake collector thugs. Nine days later you changed your story to "went to court, slapped with judgment and garnishment". Whassamatta, the "documents showing [you] paid" got lost? That hot settlement deal from your nice new friends fell apart? All the while you won't tell us who "they" are, since secrecy is so helpful for your ... I mean, "their" commissions.
Spare us the false drama, honeydrop. I'll give up my name when you can decide what yours should be, "Jasmine", "mary", or "megan" with a small 'm'. What will it be next time, "Jason", "Mark" and "Matthew"? If you feel attacked it's because the way to your heart is through your wallet, and nobody here wants to fill it.
So, you admit to being a deadbeat who stiffed a creditor and recieved a judgement, yet you show up here touting the virtues of some company collection on another loan you didn't pay. Something is rotten in the State of Denmark
I expect you're being facetious. American court process still relies on stacks of paper. Bogus debt collectors rely on ridiculous threats to take actions they cannot perform. Equating consumer debt with a criminal concern is illegal, and so is their blabbing to Mom about it.
Yes, I'm sure. Refusing to take your money would be out of character. You'd like us to believe that "pay first, paperwork later" makes a sensible plan. It only makes victims of swindlers who may not hold any proof of a debt claim.
} technically you're stealing money thru your bank account if you don't pay
Uuuhh, technically, no ... Overdue payday loans are not "check fraud" and not considered "theft" in America, no matter how often your fraud shop friends preach otherwise.
Lying shills dispute this, but a defaulted payday loan *IS NOT* ever considered "check fraud" by the courts. A PDL is *always* consumer credit. Consumer debt in America is *not* a criminal matter. Collectors do not need and cannot whistle up anyone with a badge and a gun to get themselves paid. Real law enforcers have trouble enough catching people who threaten lives and public safety, and they don't want another job chasing unproven penny-ante debts.
Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "assessment specialists", "detectives", "investigators", "mediators", "mitigators", or "prelitigation specialists". They are sweaty double-talking criminals with a script full of coercive remarks. The agents' horrid threats are empty and their conduct is illegal.
Lawful debt collection is a process, not an ambush. Early in that process you must be given a specific notice about your alleged debt and how to dispute it. From there, you have a right to obtain proof of claim *on paper*. Federal law does not expect you to take only the word of strangers on the phone that bad things are about to happen. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
I was sharing my experience and opinion and you attack me.....and for your info I WENT TO COURT AND A JUDGMENT WAS PLACED AGAINST ME for a quick cash loan when I got a job they took part of my paycheck so please save your [***] you think you know....nothing better to do than attack innocent people Jesus christ get a life resident47....put your real name troller