+16823014955 Add - Glendale, TX
7/22/15 1:24 PM 21 hours ago

Good afternoon, My name is Amy Baker with you. Clark Law Firm. This message is intended for William ---------- Mr. --------, I need to hear from you today regarding your arrest warrants you failed to respond to the 10 day court notifications call me back at the firm (682) 301-4955. Good Luck. William.

pay day loan collections.

Nothing filed in my local court. local sheriff has no warrant for me. I do have an outstanding debt  but it is less than $500.

>> pay day loan collections. <<

Some Payday Loan lenders will attempt to convince the borrower that the check they left is fraudulent, and the lender will file a fraud case.  Borrowers should read this:

http://www.in.gov/dfi/FAQ_-_Check_fraud_.pdf

The important paragraph in that PDF is:
"... if the small lender knew, at time of receipt, that the account had insufficient funds, or that the check was postdated, the issuer has not committed the crime of Check Deception"

(Although that is a citation from Indiana law, the laws are similar in most  states that permit payday loans)

Here is a citation from the Uniform Commercial Code (UCC), which is valid in ALL 50 states:

Section 3-104(2)(b) of the UCC, defines a check as “a draft drawn on a bank and payable on demand.” A postdated check, since it is not payable on demand, does not satisfy this demand. Consequently, it has generally been held by most states that the giving of a post-dated check does not constitute a present fraud nor is it within the scope of the bad check laws.

Yes, borrowers should pay their debts, but lenders must (by law) follow the correct procedures to collect those debts.  A summary of the Fair Debt Collection Practices Act (FDCPA) is here:
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

More information,from the FCC, on loans and how to report debt collector violations:
http://www.consumer.ftc.gov/articles/0149-debt-collection

Recent news, stating the FTC DOES shut down these scammers!
http://800notes.com/forum/ta-a42dc4be97913e8/ ... ection-scammers
and
http://www.consumerfinance.gov/newsroom/cfpb- ... -cycle-of-debt/

Regardless william you should of paid what you owed, those people helped you when you needed the money. Thief, you should of just paid them back, you wouldnt of got a call in the first place.

So tell me Sarah, does it also make me a thief that I, too, have a debt of less than $500 and they call me with the same message, although I lost my job due to medical issues, wasn't able to pay them back immediately, and now am unable to work and continue getting denied for disability? Some things are beyond our control and, although, we have have good intentions, just aren't possible at the moment. I held my account in perfect status for over a year and a half, until a chain of UNEXPECTED events, completely OUT OF MY CONTROL, can't tumbling upon me. I have given these people my information to take 5 TIMES the amount I actually owe. They didn't charge my card. That's not my problem. They had their opportunity. They passed on it so that they could keep harassing and scare people into paying the full amount owed at once. If you aren't here to help the forum, you're part of the problem. Please excuse yourself from the discussion.

William did u find any new info about this number?  I got a call from them to saying they were gonna send a warrant out for my arrest.  Same lady Amy baker called.