Q: Hello I received a email today saying I had a Payday loan out and I had to pay it or I would go to jail.
I never applied for a online payday loan. They said I had to pay back $850 to settle it or two payments of $425. And, my SSN number would be on hold until I paid it. They gave me a case number I asked them for a copy of the loan documents and a phone number so I could contact someone about this matter. They told me all they had was a affidavit and they couldn't give me a copy of that because it would be DEFAMATION OF CHARACTER. They also said that they sent me mail an I wasn't home to receive the mail. They also said I had a court date at the Local County but couldn't provide the County. Please help
A: An Ohio attorney could advise best, but your question remains open for a week. Some of the things you mention don't add up. It could be a scam. Until you're able to consult with an Ohio attorney who works in consumer protection and creditor law, here are some general points for thought. Creditors ordinarily provide debtors with documentation of an outstanding debt without hesitation. They also provide specifics about upcoming court appearances, such as details about the court, date, time, judge, index no., etc. Good luck
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
