Someone from 336-714-0462 keeps calling my home number. The last call was at 549 pm on 5/20 looking for Alina K Douglas and left a message stating litigation has been filed against this person. However, no one lives at this telephone number by that name.
Someone from 336-714-0462 keeps calling my home number. The last call was at 549 pm on 5/20 looking for Alina K Douglas and left a message stating litigation has been filed against this person. However, no one lives at this telephone number by that name.
Caller stated the DA was going to file charges for a payday loan that was taken out in 2010. Which was never done. He said that I owed $900 but they would settle for half that day or a payment plan. He asked for credit card information. Name given was Scott Ryan. Also asked for email address
A payday loan is *CONSUMER CREDIT*. It is not a "hot check". The payday lender *knows the check is worthless* upon acceptance. Therefore, defaulting on a PDL, exactly as the lender plans for you, *CANNOT BE CHECK FRAUD*. Because of the above facts, a payday loan dispute is a *CIVIL MATTER*, and not a problem for criminal courts or the police.
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