ROBERT JAMES AND ASSOCIATES ARE CALLING MY JOB AND MY HOME AND RELATIVES STATING THEY ARE REPRESENTING CASHNET A PAYDAY LOAN COMPANY
I am reading this question two ways (1) the collection agent has a shady address and you don't know whether it is legitimately collecting the debt or (2) you want to know if you should provide a PO address to them so they don't have your home address.
If you are at all concerned that your money will not be credited properly you should take steps to ensure it is (1) keep good records of your interactions; (2) save the proofs of payment in an organized fashion; (3) make sure to include your account number and any special identifier on every payment; and (4) of course, get the collection agent to verify it has the right to collect the debt in writing. You can do this by submitting a letter within 30 days of receiving a collection notice demanding the agent confirm the validity of the debt.
If it is the second question, there is nothing wrong with using a po box or mail box at the ups store.
Hope this helps.
My response to this question does not create an attorney-client relationship and does not consitute legal advice. The information is provided as a courtesy only. This format of written question and answer is too informal and lacks sufficient detail. It is almost never possible to give quality legal advice without a full set of facts and the opporutnity to have a dialog where questions are asked and answered. Moveover, posters on the internet should be aware that confidentiality is not guaranteed online. I am licensed to practice law in WI and IN.
I agree with Attorney Stencel 100% and would like to add that if you have any doubt that (1) you owe money to Cashnet and/or (2) Robert James has been hired to collect the debt than I would not send payment until you are sure of (1) and (2). It is becoming common for scam companies to unethically obtain consumers' personal information and use it to
Obtain money to "settle" debts that they do not own nor have been hired to collect. I'm not alleging this is the case, here. Without a doubt, however, I would always advise a consumer to avoid sending payment to any third party until they are 100% sure that party is legit.
As a side note, if they are disclosing to your relatives that you owe a debt they are violating federal law. The FDCPA prohibits third party disclosure about debt. Find an Attorney that focuses on enforcing the FDCPA and, if they violated the law, go after them. Choose an attorney with a contingency fee - meaning they only get paid if you win. That way you have nothing to lose. In fact, if found liable Robert James will be required to pay your attorney fees. Good luck. - jsh
I am an attorney licensed to practice law in Ohio and some Federal Courts throughout the United States. I am not answering your question to solicit you as a client and there is a good chance that I am not licensed to practice law in the state that you reside. I hope that you find my assistance beneficial and, at most, use my advise as a finger pointing in the right direction. An attorney client relationship is not established by posting back and forth online. One of the most beneficial aspects of working with an attorney is the attorney client privilege which does not exist when you post personal facts online to faceless strangers. Hire an attorney if you want specific legal advise. If you cannot afford one, call your local bar association or search "(your city) legal aid" online. The fact that you took the time to post your question online likely means that you could use the aid of an attorney. Call around your area and see if any local attorneys offer free consultations.
Many states regulate debt collectors, and I would call your state government to determine whether or not this debt collector is licensed to do business in your home state as well as in its own home state.
Hope this perspective helps!
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