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N Cal Attorney
N Cal Attorney, Attorney
Category: Consumer Protection Law
Satisfied Customers: 9174
Experience:  since 1983
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Past two days I have gotten a call from a debt collection

Customer Question

For the past two days I have gotten a call from a debt collection agency . I can never understand the name. Finally today the said they were working for a company called GTI
And they handle payday loans. They have my social and my physical address, they said I had taken a payday loan out in 2013 and are threatening me with a law suit plus court costs in excess of 2,000, plus will contact my employer. They did know who it was, but I have not worked there since 11/2007, if I don't settle on the phone for 500. I explained there is no way I took out a loan in 2013. I told them I disputed the loan as I am certain I did not take out a loan in 2013. I asked repeatedly for them to send me written documentation, but they said they had sent it once and it was returned. I explained that I do not receive mail at my physical address. I gave them my PO Box number and they said they will not sent it again and I had better get myself a good lawyer.
Thing is, I may have had a payday loan in 2007 that did not get totally paid up. I was very sick missing a lot of work and finally had to take medical disability. Which left me with a sole source of 700 per month income. Most of my debts were closed as derogatory. I looked on credit karma and did not see this in a collection status.
Submitted: 1 year ago.
Category: Consumer Protection Law
Expert:  N Cal Attorney replied 1 year ago.

Thank you for your question.

Was the loan supposedly made in Texas?

Customer: replied 1 year ago.
Customer: replied 1 year ago.
It possibly could have been from November 2007, but that is not what they are saying. I even asked to speak with a supervisor. I told them I really needed to see something in writing.
Expert:  N Cal Attorney replied 1 year ago.

You have the right to demand validation of the debt under the FDCPA section 809.

Texas has a 4 year statute of limitations on claims based on a contract or an account, see

http://statelaws.findlaw.com/texas-law/texas-civil-statute-of-limitations-laws.html

You can get a free consultation from some of the attorneys listed by location here.

It sounds like they are violating the FDCPA, and I urge you to follow up on this with a local attorney.

I hope this information is helpful.