What is the name of your state (only U.S. law)? Washington State
I am worried and need a lot of help/advice.
About four to five months ago, I had some trouble with a few bounced eCheck deposits I made on an online poker site. I deposited about six $1,000 deposits and two or three of them were returned and unpaid, as I did not have enough money in my bank account. Because of that, my bank returned the deposits and therefore caused a negative balance in my poker account that I could not pay back.
Online gambling is illegal in the states. Well, at least it is in Washington State. It may not be specifically enforced, but it is still not allowed, from what I know. The company is also based in Canada.
As I wasn't given any notices, except from the poker site specifically, stating the status of my negative account balance, I was not worried about the money I owed. However, just yesterday, I received a PHONE CALL from a company called "Debt Alliance Corporation" based out of Montreal, Canada. He told me that there was fraud investigation going on regarding my account, and he also asked me my name and to answer questions and confirm my identity. I refused and told him I was at work and hung up the call. During the call, he also threatened to report the matter to the "authorities" if I did not resolve the matter.
I would like to know what possible outcomes can come about if I decide to ignore this matter and ignore his phone calls. I just received a call as I was typing this post and also have a voicemail from him that I have not yet checked. I would like to know if this can be sent to a collections agency and be reported onto my credit on experian, equifax, or transunion. I am one who would like to keep my credit as high as possible, as I have been working to build it to buy a home in the future. I have never made a late payment in my life.
Also, by reporting to the authorities, can I be taken to court? Another question is, am I already sent to a collections agency because the guy who called me is from "Debt Alliance Corporation" in Montreal, Canada?
Things to consider are:
Both the online poker site and "Debt Alliance Corporation" are based in Canada.
The amount that he mentioned about the amount I owed is exactly $1000 off, as they forgot to consider a deposit that ended up clearing.
Online gambling is illegal in Washington State, and the company is allowing me to conduct in "illegal activity."
He threatened to report me to the authorities, and I am being harassed day to day by his phone calls.
Please help me and offer me any advice possible. Should I not worry because of these considerations? I really do not want my credit to be affected one bit and do not want to deal with any legal implications such as going to court.
Thank you in advance for all the help!
-LC
I am worried and need a lot of help/advice.
About four to five months ago, I had some trouble with a few bounced eCheck deposits I made on an online poker site. I deposited about six $1,000 deposits and two or three of them were returned and unpaid, as I did not have enough money in my bank account. Because of that, my bank returned the deposits and therefore caused a negative balance in my poker account that I could not pay back.
Online gambling is illegal in the states. Well, at least it is in Washington State. It may not be specifically enforced, but it is still not allowed, from what I know. The company is also based in Canada.
As I wasn't given any notices, except from the poker site specifically, stating the status of my negative account balance, I was not worried about the money I owed. However, just yesterday, I received a PHONE CALL from a company called "Debt Alliance Corporation" based out of Montreal, Canada. He told me that there was fraud investigation going on regarding my account, and he also asked me my name and to answer questions and confirm my identity. I refused and told him I was at work and hung up the call. During the call, he also threatened to report the matter to the "authorities" if I did not resolve the matter.
I would like to know what possible outcomes can come about if I decide to ignore this matter and ignore his phone calls. I just received a call as I was typing this post and also have a voicemail from him that I have not yet checked. I would like to know if this can be sent to a collections agency and be reported onto my credit on experian, equifax, or transunion. I am one who would like to keep my credit as high as possible, as I have been working to build it to buy a home in the future. I have never made a late payment in my life.
Also, by reporting to the authorities, can I be taken to court? Another question is, am I already sent to a collections agency because the guy who called me is from "Debt Alliance Corporation" in Montreal, Canada?
Things to consider are:
Both the online poker site and "Debt Alliance Corporation" are based in Canada.
The amount that he mentioned about the amount I owed is exactly $1000 off, as they forgot to consider a deposit that ended up clearing.
Online gambling is illegal in Washington State, and the company is allowing me to conduct in "illegal activity."
He threatened to report me to the authorities, and I am being harassed day to day by his phone calls.
Please help me and offer me any advice possible. Should I not worry because of these considerations? I really do not want my credit to be affected one bit and do not want to deal with any legal implications such as going to court.
Thank you in advance for all the help!
-LC