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I was contacted at work froma company called Magnolia

I was contacted at...

I was contacted at work froma company called Magnolia Exchange Group, They are telling me that I owe from a Online payday loan before 2012. They are saying that they are a mediation service and that I can settle forteh original amount bowered of they will submit it with the court system in my county

Lawyer's Assistant: What state are you in? And is a local attorney or other consumer protection advocate helping with this?

Wisconsin and no

Lawyer's Assistant: What steps have you taken so far?

I have searched the Mediation co, But I lost all ofmy records with a hard drive failure soI have noIdea

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

Not that I can think of

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Answered in 1 minute by:
3/14/2018
Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 56,758
Experience: Attorney with 29 years of experience.
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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!

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Don't pay them a dime! Even if you owed this debt originally, the Wisconsin statute of limitations has run which gives you an absolute defense to paying it. Simply you do not owe this debt and demand they immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform them that any efforts to do otherwise will constitute a violation of the Fair Debt Collection Practices Act and that you will report each and every violation to the Federal Trade Commission. Each violation carries at least a $1,000 fine. Also let them know that should they file any negative credit report, you will be filing a defamation suit against them for both your actual and punitive damages. In my experience, the fine under the Federal Act 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!

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Customer reply replied 2 months ago
Does the Wisconsin Statue of limitations also cover if the \loan was done on line. They also said that I had made some of the payments through my checking account. It was about the same time that I had a fraud issue and had to change my account.so they are saying that I still owe what was left on the loan.

They're simply trying to scam you into paying something you don't owe. And, you want to make sure not to even pay them the smallest amount because any payment would re-start the statute of limitations. Yes, Wisconsin is still going to apply as that is where you are located.l

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Customer reply replied 2 months ago
Thank you

You're very welcome! 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: www.justanswer.com/law/expert-legalbeacon/ . Or, simply request “Richard only” in the first line of your question.

Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 56,758
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