I received a call from impact mediation about a pay day loan that i took out in 2010. I know that i have taken out a few loans, i didn't take them serious. A week later i was served with a summons to appear. I know that i can't go to jail, but the county said that if i didn't pay my fees and not show up, i will be held contempt..And now i have a judgement in my name and ss..
Very well stated Res. If "CARRIE" hadn't blatantly spammed the thread with the plagiarized material he/she may have gotten away with posting it. Some naïve people may have read it & taken it with what "CARRIE" intended. As a form of intimidation. As it is, "CARRIE" grossly miscalculated. The ploy backfired. The outfit using this number has now thoroughly burned themselves & this number will have to be abandoned.
They'll just fire up another one. We'll be waiting.
Live Well.
Gunnar
My initial problem with the text in that post was the word "usually" starting in the first two sentences. Especially the second one, where threats of arrest and jail are always illegal. No debt collector can arrest or jail anyone. That has to be done by law enforcement, district attorneys, and the court system.
I know there has been some talk of being picked up if you ignore certain court orders regarding civil debt, one being the request to reveal what assets you have. But in a civil case, simply ignoring the first summons to trial should not result in an arrest, but will result in a default judgement.
Also the repeated "resolve the debt" irks me. There is no mention of the fact that the debt might not actually exist, that you might be able to counter sue for FDCPA violations, that the DC might not have clear title to collect the debt, etc.
Now that you have pointed out about this post being plagiarized, it brings even more objections to it. People that take someone's material and post it claiming it as their own should not receive accolades for it. It completely undermines their credibility.
The Gerri Detweilers and Suze Ormans of the world have a problem you and I lack, risk aversion, because they accept compensation for delivering something "almost but not quite entirely unlike" legal advice. Lawyers work within a fiefdom uniquely protected by law from outside competition from those who never passed a bar exam. They will be the first to cry "UPL violation" when they feel threatened, and not necessarily because someone's rights were denied in the course of "amateur" legal service.
We can be blunt in classifying bad collector behavior and suggesting countermeasures, so long as we make it plain that we offer a perspective to people who did not hire us. The money gurus will always say that conduct "may be" illegal, is "usually" wrong, is "often" not desired. Since all general statements are false, it's safer to fudge than to be firm.
The same gurus tend to be cheerleaders for debt settlement, payment plans, and anything else which sounds like consumer repentance. In their world, abuse from debt collectors is anomalous and not the industry business plan. Their careers depend on not being seen as instigators of revolt against the banks and their henchmen. They can be as bad as the worst collection thugs in preaching the "morality" of debt.
Being fair here, other parts of the site our friend "Carrie" mined for moral support say what needs saying about bad collector behavior. But it's hardly the last word or the most useful resource for those who are ready to fight their own financial injustice.
There was legal action threatened but did offer the opportunity to pay up. I did take a lots of payday loans but i thought i paid them off turns out i missed one. Once i did my research on them I agreed to the money arrangments.