Please bear with me as the background and story of my problem is a long one! My father and father in law both recently received messages via phone trying to contact my husband. (We live in Illinois, they both live in Missouri.) The way each message sounded the lady made it seem like my husband needed to contact her immediatealy to "make a statement" for proceedings in St. Clair County. Which happens to be the county we live in. She left her number, which I reversed online and it turns out she's in WV. So my husband calls the number and is told that they are calling to get a payment for a PayDay loan company located in Missouri. My husband asked for a date that the alleged loan was taken out and after a few minutes of deflecting that questions, she stated August 2004. So he said, I have no recollection of that I was living in Iowa at that time (We moved there for a few years starting in August 2004), and I want you to send me proof that it's my debt. She tried and tried to get him to pay something over the phone (thank goodness I married a smart man!) and he refused and just kept requesting proof. She started yelling at him to get his credit card, so he hung up. He lasted longer than I would have! So today I received a "Pre-Legal Demand" letter. It basically states that they are reviewing this account for placement with an Attorney licensed in the State of IL to use alernate methods to recover the balance. (Plus back interest, fees, etc.) And to use their FREE Check By Phone System (How kind!). It's obviously a form letter as certain changed words, such as the state, are in bold. I know the SOL on this debt if it were ours (don't think it is) expires in August, so what do I do at this point? Did they violate anything my contacting our parents and giving information to them? Do I send a DV letter maybe a cease and desist? What's my next move here? Clearly they are junk dealers and I want to do the best thing here. Oh and the debt they claim is like $600. Who sues out of state for that little? Thanks for getting through this and thanks for any help you can offer! Stephanie
they can contact them once,but they cannot discuss the account with them.Yes send a dv letter,then go from their
If you send a no contact request, they can't contact you except by suing you. If they do contact you, they are violating the law and can end up paying you (mostly your attorney) money. But they could just sue. Are you ready for that? They aren't suing out of state, they are referring the matter, maybe, to local attorneys that sue for matters, some for matters as low as $50. Why? Because if they can add in attorney's fees, why not?
