A collection agency left a message on my mom's phone. When i called them they said that I have an old payday loan from 8 yrs ago. They said that they attempted to contact me at an address that i haven't lived at in 8 years. They threatened me to take me to court and file fraud charges against me. I never had any contact until this last week. I do know that the statute of limitations in Oregon is 6 years. They said it had been filed with the court, I checked and nothing has been filed. They want over $800 and "hopefully we can stop the litigation" I feel like this is a scam or at least harassment.
It sounds like a scam. Payday loans have a reputation for being unethical. The nature of the business perhaps.
Find a debtors rights attorney. They may be able to help you at no cost to you.
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You could be right. Look for an attorney in your area that handles Fair Debt Collection cases. Attempting to collect a debt that is not due violates the law and may entitle you to damages.
Sounds like a scam. If they do not have your current address, I wonder how they would be able to serve you. If they call again, get their detailed contact information. Consult with a debt collection attorney. See this link to WA consumer rights:
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Something doesn't smell right. A payday loan from eight years ago that now will take only $800 to pay off? Most payday lenders would have charged you a high interest rate and you would owe thousands by this time.
Call the Consumer Complaint Division of the Attorney General's Office. They may have heard of this group before. You can file a complaint here: http://www.atg.wa.gov/file-complaint
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