I am very sorry to hear this;
basically, debtor's prison is a common law concept that was used during the colonial period (and in England) but that is no longer the case;
basically, if a person owes money, the creditor needs to go to court and prove their case- the "prima facie elements" - so for example, proof of a contract, breach of that contract, and damages. The plaintiff has the burden of proof so if the plaintiff (creditor) is not able to provide proof, the court can dismiss the case (and even award defendant attorney fees and court costs if it is deemed frivolous).
So if a creditor calls requesting money, under the Fair Debt Collection Practices Act, the creditor cannot continue to contact the consumer once the consumer requests for validation of the loan; validation of the loan means that the lender and NOT the consumer must provide proof; until that is provided,they cannot contact the consumer.
Furthermore lenders are restricted from contacting family/friends, or in any way harassing the consumer- INCLUDING threats of jail/imprisonment/arrest.
Each violation exposes the lender to $1,000 fine- per incident;
normally if the Fair Debt Collection Practices Act is mentioned the lender will then leave that victim alone, and try and find someone who is not aware of similar scams.
for more information please see:
A complaint can be filed here:
and the government will look into the situation.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.