A collection from a payday loan is threatening me from a loan 6 yrs ago can they file criminal charges

Failure to repay a loan is not a crime. The content of the call is strongly suggestive of a scam. Report it to law enforcement.

Is this company trying to scam me

You are being scammed. You may also be scammed by the company you are paying. Before paying, ask for a copy of the note and anything from the...

How do I know if I did the right thing before considering bankruptcy.

You do not indicate who you obtained the loan from. Check with the Department of Financial and Professional Regulation to see if they are licensed...

Can a pay day loan company file a civil suit against me for a loan in November 2012.

The content of the call indicates a scam. People trying to serve process do not call you. The use of the term "mediator" is characteristic of...

Can I be prosecuted

You are being scammed. Nonpayment of old debts is not a crime. Stop the payment if you can. Pay nothing more. If they have account...

Banks generally have a "right of setoff" allowing them to apply funds in their possession to debts you owe the bank. There is an exception by...

Get a copy of the court file including the "return of service" and take it to a lawyer who defends this type of case. If you can prove service was...

How do you challenge a wage garnish if the amount is incorrect?

Consult an attorney at once. If the landlord has a judgment and is seeking a court ordered wage deduction you need to take action against the...

Can a collection agency collect on a debt from 2006.

Typical Illinois statutes of limitation are 4 years for a contract for the sale of goods, 10 years for another type of contract wholly in...

Do I talk to the company and not the collection agency?

Dispute the bills with the debt collectors. Ask for the computation of the amount due. If the collection demands are excessive they may violate...