This collection agency should be sued by everyone possible for constant harrassment! They are not following proper standards set forth in the Fair Debt Collection Act. We have rights too!
Received a call from a Mr Lopez saying that he spoke to me earlier and I told him to call me back after 6pm I have never spoke to him before at all never telling anyone to call me back after 6pm he left a message saying that if I did not call him back immediately that on Monday August 25th he will sent it to legal action which I have never received anything in the mail from anything having to do with this. The person did not even mention who they were representing. Not sure this is a valid call
I received a call today at my work place from a Ms. King. This woman stated that she was calling from The Law Office of Norman Kalina and that I needed to call her back ASAP to discuss an important personal matter. She then left a case number and a 1-800 number. The funny thing about them trying to collect money from me, is that I live in California and alot of these online payday places do not have a license to practice in California and because they are online, who is to say that the debt is actually valid. They never ask for any proof of anything. So Ms. King and The Law Office can call me all they want, they will not get a dime from me. And if they keep calling my job, I will have a law suit against them for harassment.
IAM TRYING TO WORK OUT ARRANGEMENTS WITH ACA. WHEN TRYING TO TALK
THE MAN JUST TALKS OVER ME. TOLD ME TO KEEP MY MONEY I WAS GOING TO SEND
AND PARTY WITH IT. THEN HE SAYS HE WILL FAX INFO OVER TO MY PAYROLL DEPT
AND DEAL WITH THEM, THIS IS FOR A PAYDAY LOAN I DID ONLINE.
IS IT LEGAL FOR HIM TO GO TO MY PAYROLL DEPT? I HAVE NOT SIGN ANYTHING
FOR A WAGE GARNISHMENT,IS THIS LEGAL
Here: Payroll is off limits; vast majority of companies will smack down anything that reeks.
PDL are offered all over and you can receive proceeds in MA. However it turns out this is not actually legal business to conduct with MA residents. Then: most have no banking license in their own state let alone a for business via net in other states...add in 1) stae regulations, 2) all mail contact (certified, physical address), 3) cc attorney general both states, banking commission both states, and bbb both states and they will back off a fair bit to stay in business.
NOW, I am NOT saying to check your laws and take advantage of this, NO. It is a hassle- must measure actions against reality. I had several PDL and quoted law references, details, sent the letter and negotiated to meet state maximum rates for the honor debt (amount + allowable state max interest - payments collected - settlement allowance) and walked away with an equitable and final settlement.
Calls to boss or family as references are understood junk and reported, what the heck- we all fill out stuff online...