Mar 31, 2016
People, relax!!! This is a bottom feeding collection agency who purchases old payday loans that are outstanding. You are not getting sued and their hasn't been a debtors jail since the 1890's so you're not getting arrested over this. The worst that can happen is it will go on your credit report and your FICO may be affected but if you're smart, you'll know how to fix that. They use illegal scare tactics to try and scare you into paying them. That is a blatant violation of the fair debt collection practices act of 1977 (FDCPA) (https://en.m.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act) and if you have them on recording (voicemail message) threatening to sue you, serve you with court papers via a process server, garnish your wages, any bodily harm, or even arrest you, seek legal consul immediately as you have a case against not only the collection agency but also the debt collector that violated the FDCPA. Collection agencies need a license to legally operate so countless infractions of the FDCPA will jeopardize their ability to maintain said license meaning that ten out of ten times they'll settle out of court in order to avoid a stain on their license record. If for whatever reason you chose to speak with them, make sure you record the conversation and also inform them of your wish to have them cease and desist all forms of communication with you, your relatives, and your place employment. Hopefully this tidbit help you out. Good luck