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An Online Payday Loan Company Collector is Threatening Me With Jail

“Dear Steve,

I would like to know if it is illegal for a company to call and threathen jail and that the case is a felony. Which I know neither one of those are correct, however, I have a tape recording of a conversation I had with a company that said I did not pay an online payday loan back and wanted the money right then and said that I would be charged with a felony and be detained. I ask the man to mail me all paperwork regarding this matter and he told me that unless I paid a fee he could not do that. My question is “if” this a real company and since I have all threats on recording, what are my legal options towards that company?”

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The Answer

This sure sounds like the frightening calls others have been getting from what appear to be fake debt collectors trying to scare money out of people.

See this article for more information, Frightening Calls From Fake Debt Collectors Threaten People With Jail for Payday Loans. It’s a Scam.

Please post your responses and follow-up messages to me on this in the comments section below.

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An Online Payday Loan Company Collector is Threatening Me With Jail
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Mrslove121

    I have received several calls from a law firm stating that I had taken out a payday loan and had not repaid it and an officer was on the way to my placeof employment to arrest me. When I tried asking questions about this ordeal the guy cussed at me, and told me to direct all my questions to the officer that was on the way to get me within the hour.  They did not ask for banking information, they just told me that I was going to jail.  Is that a scam or should I be worried? I put the number in it came back as a landline in California.

    • http://GetOutOfDebt.org Steve Rhode

      Sounds like pure B.S. to me. If they call again, ask them which court the lender sued you in and the case number. They won’t be able to give it to you and will make up some story, because they are just trying to scare you into making a payment.

    • Fitz

      Whoever did this is in violation of Federal (so long as not an original creditor) and State (depending on the state) laws. If the call originated in CA, the caller would be subject to CA law. CA law allows for statutory damages up to $1000, actual damages you incurred, and attorney fees. A lawsuit should be filed against them. If you are interested in pursuing your claim you should contact a FDCPA attorney right away. Most such attorneys will pursue these matters at no cost to you. As a FDCPA attorney, I would be happy to consult you further.

  • PL

    My question was… “if” this a real company and since I have all threats on recording, what are my legal options towards that company?”  I would like to know an answer for this.

    • http://GetOutOfDebt.org Steve Rhode

      I suspect this is yet another fake collector spoofing you to make a payment. The fake collectors are calling from outside the U.S. and pretending to be with companies in the U.S.

      You’d need to nail down exactly where the caller is calling from and get something in writing to nail down the name of the company they are collecting for.

    • Fitz

      Whoever did this is in violation of Federal (so long as not an original creditor) and State (depending on the state) laws. Most of the applicable laws allow for statutory damages (up to $1000 under federal law), actual damages you incurred, and attorney fees. A lawsuit should be filed against them. If you are interested in pursuing your claim you should contact a FDCPA attorney right away. Most such attorneys will pursue these matters at no cost to you. As a FDCPA attorney, I would be happy to consult you further.

      • http://GetOutOfDebt.org Steve Rhode

        I agree, if you can find these folks in the U.S. you should go after them.

        From the sound of it it sounds like the network run out of Pakistan that is using VOIP lines to spoof U.S. numbers and frighten people into paying. I’d love to find out differently but don’t be surprised if you hit a wall in pursuing this.

        In the past they’ve “borrowed” the names of legitimate creditors and lawyers in an effort to convince people they are someone else.

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