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According to a payday loan i did not repay a loan, now some…

According to a payday...

According to a payday loan i did not repay a loan, now some collection agency are demanding 980.00 for a loan that was 300.00 where can I go and find if they have the right to do so, they said I have violeted about 3 crimes and they are telling me i could go to jail for it.

Lawyer's Assistant: What state is this in? And when did the issue begin?

I leave in California,k now this agency is in another state, according to them I pay or

Lawyer's Assistant: Have you contacted the manufacturer?

I ask them to send methe original paper loans but I requested to this agency that are trying to collect the money. I am 75 years old do not have any other income then my social security pension I am afraid they will go after that and then I will be homelss

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I was afraid they will come and get me, so I told them I could make payments arrengments, so they said if I had 350.00 the day Italked to them they will take that as a full payment, I did not have the money, so they I could make payments arrangments of 200.00 I told them it has to be after the 5th of each month, and they told me the way I sould do it, buying a card reloading it and so many steps i lost the email so I ask them if they can send me the instrucciones one more time, did not here anything until today where they are saying they have not got the money I do not drive if I am to send the monwy is until friday where I could get a ride, but I wanted to know if they have the right to do so.

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Answered in 1 minute by:
9/6/2017
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 37,907
Experience: 30 years experience representing clients.
Verified
Thank you for using JA. I am Loren, a licensed attorney for over 30 yrs., and I am here to help.
I am a certified expert on JustAnswer since 2009, with nearly 100% in 5 star ratings. So, we should be able to work through your problem.
I appreciate your patience as I review your question. I will post my response shortly.
This is general information and no attorney client relationship is established.
The site may ask you if you wish to speak by phone for an extra charge. Many find the phone call to be the easiest and fastest way to get the information they need. I am also happy to continue online.
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How long ago was the loan defaulted?
Did they ever send proof of the loan?
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Customer reply replied 8 months ago
I do not know matybe about 8 years< I ask themto send me the info I never got anything.
Customer reply replied 8 months ago
I would like to talk to you but all my info is in my Ipad and is down right now, can not access my email so I could forward them to you.
There is a very common scam in which people are contacted by con artists over the telephone and told they owe an old payday loan and if it is not repaid immediately you will be prosecuted criminally and civilly. This sounds like you are being targeted by that scam.
You can not be put in jail for not paying a debt and it is illegal for a debt collector to even suggest that.
There is a very common scam in which people are contacted by con artists over the telephone and told they owe an old payday loan and if it is not repaid immediately you will be prosecuted criminally and civilly.You can not be prosecuted criminally for not repaying a loan and if you do not recall this loan then it is likely one of these scams.This is especially true if they refuse to send written documentation of the unpaid loan to you.Also, this claim is long past the expiration of the statute of limitations.Report them to the police, if you want, and then ignore them. Do not send them money. They are thieves.Please remember to leave a favorable rating (click 5 stars in the rating section on this page). It is the only way that I am credited by JustAnswer for answering your question.
There is no additional charge to you for rating me favorably.
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Customer reply replied 8 months ago
Thank you, ***** ***** the only way I could get rid of them, going to the police, should I send them an email or is there a letter or format thast I could send them so I have proof I responded?
You should not even engage with them or correspond at all with them. They are scammers. There is nothing they can do to you. Block their number from your phone. They deserve no explanation.
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Customer reply replied 8 months ago
thank you and good night. I fell great right now because I was going thru a panic attack.
You are very welcome.
If you have no further questions, and have not yet done so, please remember to leave a favorable rating (click 5 stars in the rating section on this page). It is the only way that I am credited by JustAnswer for answering your question.
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Loren
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 37,907
Experience: 30 years experience representing clients.
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Loren
Loren
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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