They are Cash Call. If they are calling, you had a loan through Western Sky and the loan was sold to them. Unfortunately, because Western Sky is a owned an operated on an Indian Reservation, they are considered a sovereign nation. Therefore, they do not have to abide my the collection laws of the United States. They can ultimately do whatever they please because the contract you originally signed was through Western Sky and follows their policies.
Actually, Western Sky DOES have to abide by the US collection laws.
Western Sky got into trouble with the State of Georgia earlier this year for advertising and offering illegal payday loans AND illegally demanding Georgia consumers to show up for court when they had no legal authority to do so.
Google it.
They just contacted my mother in law about our loan and she said they were very rude to her. We never gave them permission to call anyone but ourselves.
It's illegal for them to contact 3rd parties. Check out the FDCA Fair Debt Credit Act. They have to follow rules when collecting debts too. Generally since the consumer doesn't know that, they think they can get away with treating people bad.
Cash Call violates all collection laws, and they will tell you on the phone they do not care that they are. I was told to shut my F****** Mouth and listen!!!! Good thing i record all my calls.