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Can I be charged with felony attempt to commit fraud for an unpaid payday loan in the state of Oregon?

Beaverton, OR |

I received a telephone call from "Advanced Capital Processing" telling me that they would be filing felony charges with the state of Oregon for 'a malicious attempt to commit fraud.'
I borrowed $200.00 from the company initially approx 2 years ago
Made 2-3 monthly payments of $45.00 before I needed to close the account due to fraudulent activity (I DO have documentation from the bank for this)
I stopped making payments at that time.
The company that contacted me is now stating that I owe a "restitution" for 3 times the amount of the original debt. They stated that in accordance with Oregon State Law, I can be arrested because my bank account was closed and no arrangements were made to continue paying this debt. Is any of this information accurate?

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Attorney answers 3


Unfortunately creditors will threaten criminal action over the phone but not in writing. Such threats are a violation of the Fair Debt Collection Act. Ask them to send you a letter outlining there position: it will never come. Or, say "Can you repeat this while a turn on my tape recorder?" I think they will hang up then. As aside tape recording conversation is generally illegal in most states: so don't actually do it.

Bruce Tarbox

Bruce Tarbox


Oregon is a single party consent state regarding telephone calls.


This is likely a scam. I would insist that they send you something in writing to review. If they refuse to do so, then it is unlikely they are legitimate and I'd ignore it. If they send you something in writing, and you still have questions/concerns, then talk with a local consumer law attorney who can assist you in reviewing your rights/obligations.

Most consumer law attorneys, such as our office, will give you a FREE consultation to review a situation like this.

Best of luck,
Tim L. Eblen


They might even envision themselves as wearing white hats and riding up to the filing desk at the clerk's office on unicorns with glittery manes and sparkly eyes as they seek to right their perceived wrongs.

Silly?Sure, but no sillier than suggesting they have the same authority as the prosecutor in the local jurisdiction. And my kind of silly is just more fun anyway.

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