Direct Process Servers (DPS) called stating I owe a payday loan from approximatley three years ago. They stated I closed the payday loan account, which I did not. I attempted to contact the payday lender who I believe I owe, but the number is no longer in existence. When I asked DPS when the loan originated, the name of the lender, the exact loan amount, payday loan account number, and contact information of the lender they refused to provide me any information or to send me any documentation in the mail. When I refused to pay them $111 a month for 10 months without verification of the loan and their legitimacy, they stated I will be served with a court summons. I live in Maryland, what are my rights?
Employment / Labor Attorney
You seem to be doing all right so far.
Do not send them any payment UNLESS
they can VERIFY your DEBT. These could
be "slimy" bill collectors. If they send you
a summons you either showe up to court
or you fight the "service" of the summons.
Look up "service of process" in your MD
Court Rules (at local law library or general
law library, or internet). Whatever you do
DO NOT IGNORE these yahoos as they
could get a "default" judgment on you.
And correspond in WRITING not on the
phone. You'll need PROOF you communicated
with them for court, etc.
THIS ANSWER IS PURELY FOR ACADEMIC DISCUSSION ONLY AND DOES NOT CONSTITUTE ANY TYPE OF LEGAL ADVICE OR LEGAL REPRESENTATION.