Arrest warrants and jail time do not apply to people that owe money to payday loans. Following is what the debt collectors are required to do by law and where to file complaints:
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
I talked to Melissa she said I own a payday loan bill if I didn't pay by last Monday they would issue a warrant out for my arrest she told me to pay 180 when I told her I didn't have it she said how much can you pay I told her and she told me to get a green dot card which I did somehow there was $5 taken out when I call her to let her know she said she knew and for me to go get a moneygram she gave me a New York address for having my warrant out for my arrest if I didn't pay this been going on for a week and a half my son told me to look it up it sounds frog usually bills or keep calling you to play when I asked her to mail me a bill she told me they couldn't until I paid it off I asked her to email me she said they couldn't do that then she changed her mind and I told her forget it about the email I want to know if this is true
Arrest warrants and jail time do not apply to people that owe money to payday loans. Following is what the debt collectors are required to do by law and where to file complaints:
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Total scam. Being in ordinary civil debt is not a crime and you cannot be arrested for it. Only local judges issue warrants for arrest and they are only issued to duly constituted officers of the law and are only served by duly constituted officers of the law. They are served in hand. But, as I say, being in civil debt is not a crime and defaulting on a payday loan is not a crime. This is just an attempt to scare you into paying them something. Don't do it!
Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a DIME until the debt is validated.
Of course they won’t do this, no scammer ever will, so simply block their calls and ignore them.
If they are bothering you,
Report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening criminal prosecution to collect a civil debt is a clear violation of the Federal Fair Debt Collection Act)
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. You might have to yell at the scammer and talk over him or her. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.
"I asked her to mail me a bill she told me they couldn't until I paid it off"
Interesting how EVERY scammer claims they can't mail a copy of the bill, or the loan contract, etc.
And that's one easy way to know you have been called by a scammer !