E
enjflame
Guest
What is the name of your state? Pa
Let me give a little info on the situtation:
Last year I was going to this check advance place where they give you an advance on your paycheck. So you give them a pre-dated check for the day your pay is due in the amount they gave you plus fees. So the check was for 585.00. Well I had put a stop payment on the check when we were told at work that direct deposits were going to be a day late. So that would have put my account overdrawn 585, plus 30 dollars, so I stopped the check.
I ended up not paying this debt off and only paid 50.00 on it. Well Its been a little over a year and the company switched banks that gave the loans and sold my account to a collection agency called American Legal.
They called me yesterday and said that I need to come up with $757.24. I dont work anymore i'm a stay at home mom to my 2 month old and 9 year old.
My husband works but barely makes enough to support the 4 of us.
I explained this to the man from the collection agency and said we can make payments every week till the amount is paid off. He Told me we need to stop having kids,and I will be going to jail, since its a felony?. He would not except payments. We wants the amount in full or he will be filing changes.
They told my husband that we needed to secure a payment of 50.00 a week to them. They wont allow us to mail it in unless its through western union. Otherwise they would deduct this amount out of our checking every week.Kinda like a post dated check? Well my husband gave them our account info for our checking account. Was this wise?
My question is how long can this agency collect on this check(its been over a year)? What rights do we have?
I'm very scared and don't know what to do I dont dont want to go to jail with just having a newborn. I'm scared please help
Let me give a little info on the situtation:
Last year I was going to this check advance place where they give you an advance on your paycheck. So you give them a pre-dated check for the day your pay is due in the amount they gave you plus fees. So the check was for 585.00. Well I had put a stop payment on the check when we were told at work that direct deposits were going to be a day late. So that would have put my account overdrawn 585, plus 30 dollars, so I stopped the check.
I ended up not paying this debt off and only paid 50.00 on it. Well Its been a little over a year and the company switched banks that gave the loans and sold my account to a collection agency called American Legal.
They called me yesterday and said that I need to come up with $757.24. I dont work anymore i'm a stay at home mom to my 2 month old and 9 year old.
My husband works but barely makes enough to support the 4 of us.
I explained this to the man from the collection agency and said we can make payments every week till the amount is paid off. He Told me we need to stop having kids,and I will be going to jail, since its a felony?. He would not except payments. We wants the amount in full or he will be filing changes.
They told my husband that we needed to secure a payment of 50.00 a week to them. They wont allow us to mail it in unless its through western union. Otherwise they would deduct this amount out of our checking every week.Kinda like a post dated check? Well my husband gave them our account info for our checking account. Was this wise?
My question is how long can this agency collect on this check(its been over a year)? What rights do we have?
I'm very scared and don't know what to do I dont dont want to go to jail with just having a newborn. I'm scared please help
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