Hello I am a licensed attorney. I am here to help answer your questions. Please do not hesitate to ask for clarification
The actions of the creditors, are against the law and in violation of the Federal Debt Collection laws,
in no State can an individual go to jail for not paying a debt,
What you can do is contact them, and State you are filing an FTC complaint against them for their collection tactics, and will file a claim with the State Attorney Generals office.
okay i was just worried that because I took out the 3 loans that arent even due yet that they were putting fraud against me. He said it was because my credit was bad.
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
Debt collectors also are prohibited from saying that:
Debt collectors may not:
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
okay all i have is the phone number cuz I could barely understand him.
They are violating the law, and you may have been defrauded,
I would contact the Attorney Generals office as well,
and check your credit report to see if they have been making false claims on it,
Under the law, you can also sue them for there actions and you should consider this option as well.
If you have any further questions please do not hesitate to ask.
its just not something you want to wake up to.
and they are intimidating you for no reason,
I would file a complaint ASAP to the FTC as they may be a scam as well
exactly. thats what i didnt understand. yea he said he was an attorney for cash advance and because my credit was bad they were placing check fraud, and 2 other charges against me.
That is not right, and there is no crime in what you did, they would not have given you credit without checking your credit,
how do i find the number for the attorney general and ftc?
thats what i thought.
Report any problems you have with a debt collector to your state Attorney General’s office (naag.org) and the Federal Trade Commission (ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.
Go to the links above and the website I linked as well.
thank you so much. I really appreciate your help. I will most definitely leave this window open so I can ask if I need to.
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Thank you, XXXXX XXXXX luck.
thank you so much sir
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