Q: I had a payday loan and have not been able to pay it back yet. they are now sending me threatening emails..Is this legal
Despite our previous reminder, we still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of $686.52 in full before today we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our company.
As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.
If your payment will not received in full today, immediate court actions will take place.
Consider this as a final warning. And we will Email / Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages will be confiscated.
And we apologize that this notification will also send to your current employer.
A: Debt collection agencies are not allowed to use harassing tactics to collect a defaulted debt pursuant to the Fair Debt Collection Practices Act. Consult local counsel to determine if you have any options.
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