Consumer Protection Law

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Consumer Protection Law

Arbitrator just contacted me about a payday loan from 2008.

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Told me they are going...
Arbitrator just contacted me about a payday loan from 2008. Told me they are going to court and will do wage garnishment if I choose not to settle. I think i paid this loan off hence i have no more paper work from. It. They said i ignored correspondence
through email. I cant retrieve emails from that long ago. They wont give me any info on anything until I go to court. What are my rights or options?
Submitted: 2 years ago.Category: Consumer Protection Law
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Answered in 8 minutes by:
7/14/2015
Consumer Protection Lawyer: John, Lawyer replied 2 years ago
John
John, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 5,889
Experience: Licensed and practicing attorney experienced in consumer protection law.
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Hi, thanks for submitting your question today. My name is John. I have over 13 years of legal and consulting experience in this area. I’m happy to assist you with your question today
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that: Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact.
Your best bet in this situation is to make them take you to court if they won't provide the documentation. They very well may not have any and cannot prove any lawsuit against you in any event. These collectors are very shady, so I wouldn't doubt they have no documentation.
I believe this answers your question. However, if you need clarification or have follow-up questions regarding this matter, I will be happy to continue our conversation – simply reply to this answer. If you are otherwise satisfied with my response, please leave a positive rating as it is the only way I am able to get credit for my answers. Thank you, ***** ***** wish you all the best with this matter.
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Consumer Protection Lawyer: John, Lawyer replied 2 years ago
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