about a year ago I took out a pay day loan for 300$ to Check N Go. Unfortunately i could not pay the loan off due to financial hardship. I am currently seeking consultation about filing chapter 7 bankruptcy, but until that happens, i have continued to receive calls about papers needing to be served to me regarding the unpaid loan. Can i get a judgement based off this? Are these claims true in the state of CA?
If you face debt collection you may choose to fight it and defend against garnishment. You may also seek debt settlement as a way to negotiate with creditors.
Creditor harassment is illegal under the Fair Debt Collection Practices Act. It restricts how creditors can try to collect debt.
by attorney Jeffrey Hyslip
The FDCPA is a Federal Law that prohibits debt collector harassment. Under the FDCPA, debt collectors are not allowed to mistreat, abuse or threaten... more
by attorney Stewart Crawford