Be careful when dealing with payday loans. Often times, scam companies are associated with payday loans. Therefore, make sure you are actually dealing with the payday loan company when trying to settle the debt. Ask the company to send you something in writing explaining how much money you owe. Payday loan companies saying that are "affidavit processors or working for a law firm" is likely not legitimate. If you continue to have problems with this company, file a complaint with the better Business Bureau, and with the Federal Trade Commission.
Michael Agruss is licensed in Illinois and in California. Information on Avvo should not be construed as legal advice, as each case is different. The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law, and the certificate, award, or recognition is not a requirement to practice law in Illinois. The information on this Web site is for general purposes only and should not be interpreted to indicate a certain result will occur in your specific legal situation. Information on this Web site is not legal advice and does not create an attorney-client relationship.
I would argue that the loan is a consumer debt. In which case, send the debt collector a letter challenging the debt. Tell the debt collector that you cannot receive calls at work. Tell them to stop contacting you. Seek a local consumer law attorney because they be violating the Fair Debt Collection Practices Act or state law (can law unfair and deceptive trade practice?).
You may have Pay Day lending laws in your state as well.
GO get them.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.