I have a unpaid pay day loan from almost 6 yrs ago made in az and now that i live in hawaii the debt collectors keep calling.

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1. 

   Michael J Corbin

   Faribault Divorce / Separation Lawyer

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   Answered November 07, 2012 11:28. This is a debt collection scam, pure and simple. First, they can't get the "DA" involved - owing a debt is not a criminal act. Assuming the SOL hasn't run on the debt (it depends on a few factors), they certainly can sue you, obtain a judgment, and try to collect. Other than that, there isn't anything else they can do. If you tell them you cannot be contacted at work, those calls should stop as well. Demand their address and send them, in writing, a letter demanding verification of the debt. If they won't do that, then they are in violation of federal collections laws.

   We can be reached at 507.334.0155 (Toll Free: 888.777.5009). Our web address is: www. corbin-law-office.com.... moreWe can be reached at 507.334.0155 (Toll Free: 888.777.5009). Our web address is: www. corbin-law-office.com. Answers on Avvo are not to be considered a response to a specific legal issue in a specific jurisdiction - they are to be considered only general responses to hypothetical scenarios posed by the questioner. For specific legal advice, please consult with a licensed attorney in your jurisdiction. No information contained herein should be construed as a solicitation for business, an offer to perform legal services in any jurisdiction in which the attorneys of Corbin Law Office are not licensed, or the dissemination of legal advice. No creation of an attorney-client relationship should be assumed or implied. We are a debt relief agency. Corbin Law Office helps people file for bankruptcy relief under the bankruptcy code. less

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2. 

   Gregory WileyPro

   Plano Chapter 13 Bankruptcy Attorney

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   Answered November 07, 2012 13:01. Send them a debt verification letter as well as a cease and desist letter. This has a high likelihood as being a scam. Do not send them money.

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3. Licensed in HI

   

   Hannah Miyamoto

   Honolulu Foreclosure Attorney

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   Answered November 12, 2012 17:04. If the debt is more than EXACTLY six years old, you owe them nothing. Your remedy then is the federal Fair Debt Collection Act, which bars harassing people over uncollectable debts. Under no circumstances should you pay this over the phone.
   As for the criminal charges, it is illegal to threaten someone with criminal prosecution to collect a debt., collectable or not collectble That is already a FDCA violation, and there are statutory damages of $1,000 per violation, plus any actual damages. Contact me if you want to consider demanding money from them.

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