Depending on your state law, you are exposed to property liens, bank account levies and wage garnishment, Bovee says. You should never ignore a lawsuit, says Lauren Saunders, associate director of the National Consumer Law Center. Show up in court and ask them for proof that you owe them the money, because often they show up without proof, Saunders says.
A CFPB review of one lenders lawsuits found that 70 were dismissed for lack of proof. Other options if you cannot pay a payday loan. You should not prioritize paying the payday lender over putting food on the table or paying the rent, Saunders says.
When I advised him that this was a scam, he told me that they commonwealth personal loan borrowing power many companies but could not tell me which one he was collecting for. He also told me that he was not a debt collector and that he was with the legal department. What damn company. I still don't know. They kept leaving threatening messages on my husband's voicemail which is illegal. I asked him if he was familiar with the FDCPA (Fair Debt Collection Practices Act). I advised him that under the FDCPA you cannot leave detailed messages on someone's voicemail which does not identify the person whom you are calling and that you cannot leave more than one message per day.
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