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really could use some help with questions on payday loan debt

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SSPA87
Regular Contributor

Re: really could use some help with questions on payday loan debt


@Tink1o5 wrote:
My husband answered the door. He said that it wasn't a sheriff or if he was he wasn't dressed like one at all. He said the guy who served the papers looked like any regular joe off the street and didn't state his name

The papers were served to my husband at about 7pm Saturday night

 

That sounds really shady to me... I know when I was served papers (which got thrown out since I techincally did not reside in the state any longer, it was literally my last day at work and I left the state the following morning) they served me at work during the middle of the day on a weekday and it was a Sheriff who served me.  In full uniform, Sheriff car and all. 

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Message 31 of 38
p-
Valued Contributor

Re: really could use some help with questions on payday loan debt


SSPA87 wrote:That sounds really shady to me... I know when I was served papers (which got thrown out since I techincally did not reside in the state any longer, it was literally my last day at work and I left the state the following morning) they served me at work during the middle of the day on a weekday and it was a Sheriff who served me.  In full uniform, Sheriff car and all. 

It does not have to be a Sherrif.  There are companies that specialize in service, you have been properly served.  Haven't you seen Pineapple Express?

Keep trying to email with the attorney for a settlement agreement.  Print the emails and save them.  Here is some example text:

 

Last week I offered a compromise in which I would pay x dollars immediately, and x dollars per month  for x months to have this debt paid in full.  You did not respond.  Do you accept my offer, or do you have a counter offer?

 

Send a certified letter offering the settlement terms to the attorney, and if they still don't respond, show all of that to the judge when you show up to court.  Make sure you show up to court.

 

Good luck.

Message 32 of 38
p-
Valued Contributor

Re: really could use some help with questions on payday loan debt

 
Message 33 of 38
Tink1o5
Valued Member

Re: really could use some help with questions on payday loan debt

No he did reply and refused to do a payment option with me because I won't give him my employment info
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Message 34 of 38
p-
Valued Contributor

Re: really could use some help with questions on payday loan debt


@Tink1o5 wrote:
No he did reply and refused to do a payment option with me because I won't give him my employment info

I saw that.  Keep trying.  

 

Look closely at the summons, is there a court date?  If you can show the judge you were willing to make arrangements, but they were being unreasonable, likely the judge will be pissed off at the lawyer for wasting his time.  He knows that, but is hoping you don't.  Stick by your guns, hit him up again for a compromise, and ask him why he is not wiling to work with you to get thie matter resolved.  

 

Make him look like an ass to the judge.  It can only help you.  And whatever happens don't miss the court date.

Message 35 of 38
Tink1o5
Valued Member

Re: really could use some help with questions on payday loan debt

Yes the court date is January 7th.
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Message 36 of 38
p-
Valued Contributor

Re: really could use some help with questions on payday loan debt


@Tink1o5 wrote:
Yes the court date is January 7th.

Stay on it, keep bugging them for a deal, don't take no for an answer.  You really want to avoid a judgement.

Message 37 of 38
Tink1o5
Valued Member

Re: really could use some help with questions on payday loan debt

Well Im now looking at filing arbitration. Both of my contracts from the OC have a option for arbitration throught AAA or JAMS. I have elected JAMS

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Message 38 of 38
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