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How do i stop the collection agentcy of a payday loan form calling me and coming to my job again it is six years later.

Philadelphia, PA |

I had someone come to my job and ask for me but they only gave there first name and nothing else about themself. i also have been reciving phone calls to. I closed my account 6 years ago because paday loan was taking money out of my account more than once.

Attorney Answers 3


  1. If your goal is to stop all communication, send them a written letter telling them cease and desist all further communication with you. Send it by certified mail return receipt so you have proof they received it. Keep a copy of the letter for your records.

    You may contact Luke Wallace at Humphreys Wallace Humphreys P.C. at 918-747-5300 or Luke@HWH-LAW.com. For more information see www.HWH-LAW.com. The response above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyze this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in Oklahoma. See also avvo.com terms and conditions incorporated as if they were reprinted here.


  2. Contact a consumer attorney, whether its our office or another. You can have the attorney send a cease and desist letter. Showing up at a workplace is very unusual, typically only done by rogue collectors.


  3. Where did you obtain the Pay Day Loan, via Internet, in Pennsylvania, or elsewhere? Did you sign any documents to obtain the loan? When was the last payment made by you? All of these questions are important in responding. I do not beleive Pennsylvania licenses Pay Day lenders. Pennsylvania has a usury statue fixing the maximum interest rate which can be charged in PA. Because of this all of these lenders are licensed outside PA, many in the State of Delaware which has no usury laws. There is a legislative push on to license Pay Day loans. suggest you contact your legislators and urge them to vote no on this issue as the alleged "benefits" are to ligitimatize a business which caters to those PA residents who can least afford to lose the protections against these less than savory business enterprises.
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    If you found this comment helpful, let me know by clicking the "Mark as Helpful" button at the bottom of this comment. It’s easy and appreciated. This answer does not create an attorney/client relationship and is for informational purposes only. More importantly, the information contained in this answer should not be relied on without first consulting with an attorney who practices in the related area in the related jurisdiction.

    Mr. Geisenberger is a Pennsylvania-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Jacques H. Geisenberger, Jr., P.C.,does not constitute legal representation, nor is any information you provide protected by attorney-client privilege.

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