Can police come to your workplace to arrest you for non payment of an internet loan?

What is the name of your state (only U.S. law)? Florida

My sister called me and told me she got off the phone with someone that said they were police telling her she had to pay $420 for an internet loan she borrowed and, she had till 4pm today to pay it. She said she asked them if they can wait till Friday(when she gets paid) to pay it, he said no AND we can come to your job to arrest if you don't pay it today. I don't know much about the law or anything but I know, they are a t least suppose to contact you some way to know that some kind of action of this nature will/would happen soon so you should pay. Can this really happen? Can they really come to her job to arrest her?

Uh, no. This is a civil matter. Not a criminal matter. The police don't have that much time on their hands!

Unless there is fraud or some other larceny involved, failure to repay a loan is not going to be a criminal act.

If she gave them her checking account and routing number to deposit the money and they, in turn, try to debit that money they are owed and can't get it, this is considered fraud right? I just don't understand how local cops can get involved. Why not set up a payment plan to debit the amount until they are paid off? It's an internet payday loan,not a major bank or anything.

blueuab said:

If she gave them her checking account and routing number to deposit the money and they, in turn, try to debit that money they are owed and can't get it, this is considered fraud right? I just don't understand how local cops can get involved. Why not set up a payment plan to debit the amount until they are paid off? It's an internet payday loan,not a major bank or anything.

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Probably because they tried and she did something shady like close her account. They most likely did contact her for payment. It's up to her to actually start paying. Alot of those payday loans and cashcall like loans do set up the loan to deduct straight from the account. If she reads her paperwork, I'm almost sure that instance was covered. Bill collectors can lie to intimidate the debtor to pay the bill that is rightfully due to the loan holder.

Its quite an intimidation tactic to have people call and say they are local cops they gave her an 1 hour and 30 minutes to come up with the money to pay. I've never heard of anything like this before. I'm just worried, that's all. You can't really tell nowadays, what's a scam, harsh tactic or real. Thanks for the tips guys!

blueuab said:

If she gave them her checking account and routing number to deposit the money and they, in turn, try to debit that money they are owed and can't get it, this is considered fraud right?

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It might be under the right circumstances. There would have to be some proof that she entered into the agreement with the intent to defraud the company and, probably, show that there was never an intent to pay the company back for the loan.

I just don't understand how local cops can get involved. Why not set up a payment plan to debit the amount until they are paid off? It's an internet payday loan,not a major bank or anything.

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Anyone can commit a crime, and anyone can be a victim of a crime. If she committed a crime, the procedure is for the victim to report it to the local police.

So, I take it that the police ARE involved? If they are involved, then this is NOT a civil issue, and the woman in question needs legal counsel ASAP.