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I have getting harassing phone calls from SJF First

Hi! I have getting...

Hi! I have getting harassing phone calls from SJF First Management, LLC. about 8 or 9 years ago, I took out some payday loans. I thought I had paid the balances, but I just started getting phone calls.

Lawyer's Assistant: Can you tell me what state the LLC is registered in?

The number was from CA

Lawyer's Assistant: Has anything been filed or reported?

They gave me all these case #'s and the man I was talking to terrified me so much that he said I needed to pay. I set up an arrangement and made a payment then I get another call on Tuesday saying that there was another case against me and that I owed more.

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

If I owe, I owe......and I will pay. If someone calls me and tells me that I am being arrested, I am going to pay. I don't feel good about it. I agreed to pay, but I can't afford the amount of the payments. I let him know this today, but he basically said too bad

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Answered in 1 minute by:
3/8/2018
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 38,766
Experience: 30 years experience representing clients.
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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 satisfied customer 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.

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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 without posting on a public forum. I am also happy to continue online.

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Thank you for using JustAnswer. I am Loren and I will do whatever I can to answer your question and provide you excellent service.

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.

Report them to the police, if you want, and then ignore them. You can block their number if you want so that they can not get through.

If (and only if) you are completely satisfied that your question is answered professionally and accurately, even if not the answer you were hoping to get, 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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Customer reply replied 4 months ago
I can't believe that I fell for this. He basically had me scared for me and my family. I know that I did take some loans out, but I thought I settled them. They are sending me another docusign today. They said what the loans were, but did not remember that many. Are you sure that I can't go to jail?

I am positive you can not be charged criminally for an unpaid loan.

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Customer reply replied 4 months ago
I would call you, but I don't have $59.00. Also, I kept asking for some documentation, but he started screaming at saying "do you want me to send you papers, or go to jail?"

Do not speak to them anymore. Block the number and hang up if they get through.

They are trying to steal from you.

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Are you still online with me?

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Customer reply replied 4 months ago
Ok- do you want to see the documents that they sent me? I hope you do not think I am stupid to fall for this! I have been loosing sleep over this. I have to go and cancel my debit card.
Customer reply replied 4 months ago
One more thing, when I asked for a lower payment, he said that court system does not care if I can't pay. I did try to look online and see if there was a warrant out for my arrest like he said. I found nothing.

I will look at them if you want, but you are beyond the statute of limitations on this.

Also, the fact that they have threatened arrest for the nonpayment of a civil claim is a violation of federal law.

You will not be arrested. I am sure of it.

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Customer reply replied 4 months ago
Ok. I am going to call my bank to cancel everything. I know this is up to the bank, but do you think that they would give my money back.......since this is a scam?

You can ask, but I do not think you will be able to get the money back if it has already left your account.

I am sorry. I wish I could tell you otherwise, but I do not wan t you spinning your wheels on this.

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.

There is no additional charge to you for rating me favorably.

A bonus is not expected, but is always appreciated.

Thank you for using JA.

Loren

Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 38,766
Experience: 30 years experience representing clients.
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Loren and 87 other Legal Specialists are ready to help you
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Customer reply replied 4 months ago
Thank you SO much! I have attached what was sent to me. He said that the first one was null and void since I have to sign another one today

You can try to challenge it with your credit card as it is a scam.

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Customer reply replied 4 months ago
I feel so much better! Thank you. I will call the police today.

You are very welcome. Thank you for using JA.

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Customer reply replied 4 months ago
Have a wonderful day!
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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.

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