I've been receiving calls about Internet payday loans from companies that are affiliated with tribal or Sobran Native American land. I'm threatened with legal action if I don't pay them immediately however each time I ask for written documentation before I will pay I get nothing. I had taken out some loans to four years ago, but I don't remember the company's name and I had paid, or made payments on them. And during that time my bank account was deducted more frequently and larger amounts than anything I had agreed to so I had to close the account because of fraud. When they call they have a lot of my information, a lot of it is old, and when I asked for a written documentation of the debt I never get it, either through email or they tell me they've already mailed something in the mail in the past so they won't do it again, if I ask for the companies info I maybe get the name but I can never get an address or a location. every time they call they threatened me with legal action and a bunch of fees but I can settle with them right now for a substantially lower cost. And what should I do?
Depending on the tribe and whether it is a tribe owned entity, you could have an action under the telephone consumer protection act or the fair debt collection practices act. I have handled these actions before and the tribes can often be difficult, but if the case has a means to circumvent sovereign immunity, the damages could be large. Call a consumer or litigation attorney asap.
I am not licensed to practice law in your state.
This is probably a scam. Unfortunately, there is probably nothing you can about the calls and the threats. There are 2 kinds of internet collectors: 1) the ones you can find and 2) the ones you can't. Most of the scary collectors are in the second group. It's virtually impossible to get them to stop and you can't sue because you can't physically find them. Demand information about the debt. They will not give it. Do not provide any of your banking information. Finally, beg them to sue you immediately because, if they do, you can sue them for the collection violations.
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