Cash America Says They Are Going to Arrest Me for an Old Loan. – Melissa

“Dear Steve,

I got a phone call from a number in New York Claiming I owe money to Cash America and I am being suied and will lose my job and be arrested. I have not taken a loan from cash america and the number is 516 302 1077. They really scared me, cause they knew the last four digits of my social.

Is this a scam? I am very scared. I can not have them calling my work, or arresting me, but they didn’t even have my job positon right to where I work owed 489.00 but will have to pay over 8000.oo in court fees.


Dear Melissa,

Sounds to me like the classic fake debt collector scam. See this post.

I would bet that if you never took out a Cash America loan that at one time you took out a payday loan or a web based loan from another company. Your personal information was probably sold and now some scammer is trying to scare you into paying something you probably don’t owe.

There are two easy remedies for this to ease your mind.

The easiest would be for you to call Cash America at 800-223-8738 or by email them at customersupport@cashamerica.com and ask them if you actually have an outstanding loan with them.

If the collector calls back again, stay calm, and ask them for the case number and the county where they claim to have sued you. Then call the local court house there and ask them if they can confirm the case number.

The other option is that at one time you did take out a Cash America loan that was not repaid and the debt is valid. A bad collector might use such tactics to manipulate you but if so, they’ve stepped way over the line.

Do some research and let me know what you find out.

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


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See also  Fake Debt Collector - Consumer Complaint - 1-18-2012
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1 thought on “Cash America Says They Are Going to Arrest Me for an Old Loan. – Melissa”

  1. I ran into a problem like this when someone with my same last name had a loan they defaulted on.

    The debt collector robo-called me and it said something like “if you hang up, you affirm this debt” – which is, of course, illegal.

    They contacted my by phone and mail and said I owed this debt. I asked for complete documentation, and when it arrived, I wrote them a letter pointing out that the person had a different middle name than I did, lived in a different location, and had a different social security number (last four digits).

    I never heard from them again.

    These debt-collection agencies are very aggressive, and you have to just say “NO” and not be afraid of them.

    They cannot “arrest you” for a bad debt. Only the Police can arrest you, and chances are, they are not going to get involved in a civil matter like debt collection. We have no debtors prisons in the USA!

    In order to sue you, they would first have to SERVE you with process, and unless you were properly served (noticed) of the lawsuit, they cannot prevail or proceed with a suit. Any such judgment would be void, if you were not served with notice of the suit.

    Ask for documentation. Ask for their mailing address and WRITE A LETTER (phone calls are a bad idea – no paper trail, and you don’t know who you are really talking to – legit or con). Tell them to PUT IT IN WRITING and send you DOCUMENTATION of the debt. Never do business over the phone!

    If it is a con artist, chances are, they won’t provide you with an address to write to, or documentation of the debt. Rather, they will try to browbeat you on the phone to “pay” a non-existent debt, preferably by Western Union.

    If this debt is legitimate (your message is not clear on this point) and you do pay it, be sure to get a written statement from them that the debt is discharged. It has been known that some debt-collectors will try to collect a debt twice, and if you don’t have any documentation, you may be out of luck.

    Hopefully the new Consumer Finance Protection Bureau created by the Obama Administration will put an end to some of these abuses – but I would not count on it!


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