How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Richard Your Own Question
Richard, Attorney
Category: Legal
Satisfied Customers: 57738
Experience:  Attorney with 29 years of experience.
Type Your Legal Question Here...
Richard is online now
A new question is answered every 9 seconds

Getting bothered by somebody saying that trying collect a

This answer was rated:

Getting bothered by somebody saying that trying collect a payday loan or a case against me. My credit won't allow me get it and I don't belong to a bank
JA: What state is this in? And when did the issue begin?
Customer: VA and this morning I got email with this case number. I ask them for some paperwork with info on it they said no
JA: Have you contacted the manufacturer?
Customer: By email
JA: Anything else you want the lawyer to know before I connect you?
Customer: What is my rights

Hi! My name is Richard & I will be helping you today! It will take me a few minutes to type a response to your question. Thanks for your patience!

Is this a payday loan of which you are aware? Or, is this something that is a surprise to you? If the former...when did you take out this loan? Thanks.

Customer: replied 11 months ago.
Not aware of it, it surprise me
Customer: replied 11 months ago.
Can't talk only text

Thanks...that's what I presumed because this mirrors an ongoing scam with almost exactly the same situation where they try to collect money not owed by scaring people. Respond to the sender by informing him that you do not owe this debt, that his communication violates Federal and state law, and demand he immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform him that his threats of criminal prosecution constitute a violation of state law and the Federal Fair Debt Collection Practices Act and that you will be reporting each and every violation to your state's attorney general's office and the Federal Trade Commission. Each violation carries at least a $1,000 fine at the Federal level. Also let him know that should he be stupid enough to file any negative credit report, you will be filing a defamation suit against him for both your actual and punitive damages. In my experience, the fines under the Federal Act, and the report to the attorney general's office, and the threat of the defamation should be an end to these collection efforts.

Thank you so much for allowing me to help you with your question. I have done my best to provide information which fully addresses your question. If you have any follow up questions, please ask! If I have fully answered your question(s) to your satisfaction, I would appreciate you rating my service as Good or Excellent (i.e., 4 or 5 stars)(hopefully Excellent/5 stars!). Otherwise, I receive no credit for assisting you today. I thank you in advance for taking the time to provide me a positive rating!

Customer: replied 11 months ago.

Thank you! Thank you so much for the 5-star rating! I know rating takes an additional step and I truly appreciate you taking the extra time! It's been my honor and privilege to help you with this. If I can help you in any way in the future, I'll be happy to help. For easy access, my bookmark is: . Or, simply request “Richard only” in the first line of your question.

Richard and other Legal Specialists are ready to help you