I was contacted last week about an old payday loan ...they called my family first telling them I had a case against me....I called them and was told if I didn't pay that day they would serve papers....I was panicked and agreed at first...even gave them my debit number....i then decided to call the company i originally had the payday loan with...they stated that I owed 235.00 but it was sold to a collector....this company calling me said I owed 410.00.... when I called back and told them what the original creditor stated they said the extra was late fees....but they would drop it to 235.00....i asked if they would send something in writing and they said no they didn't do that.....i just received a call saying that i had an hour or they were serving me papers....is this legit??... i dont have an issue paying what i owe but I want something in writing..
This sounds like a scam. Legitimate collectors are required by law to give you certain notices in writing. Do not deal with any collector that refuses to communicate in writing.
Also, in my opinion, a lot of these types of scams are driven by data theft. Just because some company knows that you formerly had a debt (or they may show off that they have a lot of your personal information), that does not mean that they have the right to collect from you.
The information ("the answer") provided above is for general information and educational purposes only. The answer should not be taken as legal advice for any individual case or situation. Posting the question and reviewing the answer does not constitute an attorney-client relationship. Skaar & Feagle, LLP accepts select consumer rights cases. These cases include, but are not limited to, cases of abusive and unlawful collection activity, unsolicited robocalls or text messages, unfair business practices to consumers and the elderly, credit reporting of false or obsolete (old) information, credit report errors due to either identity theft or mixed files, denial of jobs or promotions due to erroneous criminal background searches and the defense of lawsuits involving consumer debts such as credit cards, auto loans, or consumer loans.
You may be able to hire an attorney with no money. Look for an attorney who handles Fair Debt Collections Practices Act cases.
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