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This may take me a few minutes to type. I went online to get…

This may take me...

This may take me a few minutes to type. I went online to get a loan for @2600.00. I went through Future Income Payments. They sent the money to my bank instantly. I didn't realize it was a pay day loan. I am a senior citizen and I didn't notice. They didn't explain the interest or payments or anything. After 2 weeks had gone by, I noticed they had taken $350.00 out of my account 2 months in a row. I called them, and they said I would have to pay $350.00 for 60 months, totaling $21,000.00. I told them I was not paying that. They said they would accept $3800..00. Yet in my e-mails it shows $350.00 for 60 months and the contract they sent me was the same. So, I called them back, and told them I had to have an e-mail showing The beginning balance of $3800.00 and a monthly payment. They finally changed the e-mail, and I asked them if that would take care of it once I paid this, and she said no I would still have to continue paying. What should I do. I don't trust them, and I don't know if I should even send them another payment. I want to pay them back for what I borrowed, but not 21,000.00 What should I do.

Lawyer's Assistant: Since estate law varies from place to place, can you tell me what state this is in?

I can give you all the information I have. 1-***-***-**** Future Income Payments,Llc

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

2505 Anthem Village Drive, Henderson, NV 89052 The lady I always talk to is called Mary Jane. I don't even know if this is the correct address. I will look up the contract they sent me in the mail, and see what it says.

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

O.k. here is the address I received my contract from. Future Income, 500 Stephenson Hwy., Suite 200, Troy, MI 48083.

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Answered in 7 minutes by:
3/16/2018
Law Educator, Esq.
Category: Legal
Satisfied Customers: 125,855
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Verified

Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

Under NV law, NV RS 604A, payday loans may not exceed 25 percent of the borrower’s expected gross monthly income. Also the law says the borrower has the right to pay a loan in full or in part at any time without any additional charge or fee before the date the final payment or extension is due.

So, if you pay them off in full for the balance, you would not have to make monthly payments. The fact they are in MI and not in NV is irrelevant, they made the loan in NV and as such you are protected by the NV law. Tell them if they do not allow you to pay it off in full immediately (get your money together, you need to get away from this company) you will be filing a complaint against them with the NV attorney general and pursuing them in court for predatory lending and unfair and deceptive practices and you will seek damages including attorney's fees as provided in the law.

If they refuse, file your complaint and get a local consumer attorney to file suit against them for damages.

Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

Law Educator, Esq.
Category: Legal
Satisfied Customers: 125,855
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Verified
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