Q: How do I know if this call is fake or true? I did nothing wrong but they said I did.
My husband and I did something stupid. We filed for a payday loan on-line. They called our home to verify the information we gave them but they were not able to give us a loan big enough to fix our situation. We told them to forget it. We financed our truck instead. I am now getting calls from a very rude lawyer who says I have been turned over to a federal court in California for not paying this loan back. The money they say was wired directly to my checking account. They do have all that information but we never had money wired to our account and we declined the loan. I have bank statements proving they did not wire any money. They won't even let me send them to them. I live in Oklahoma and they said I had to go to California to appear in front of a federal judge. PayDay loan is the one who says they gave us the loan, but they did not give us any money and I can't go to California. What is going on, I don't understand.
A: Unless you have been served with a complaint by a process server, you are most likely not required to appear anywhere. They are trying to strong-arm you. Make copies of all of the relevant paperwork and mail it to their corporate offices, certified mail, return receipt requested. Usually that will clear up your problem. If you have been served with a complaint, you need to discuss your situation with an attorney immediately.
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