Tag Archives: Harassment


Are you in payday loan trouble?  

This site provides information and first hand account of dealing with illegal online payday loans. The target audience is individuals who have made a personal decision not to pay beyond the principal amount of a loan or who have paid over the principal amount in loan payments and have made the personal choice to discontinue payments.  Some of the reasons may include:


  • You’re nearly homeless trying to maintain high interest rate and fee payments
  • The loans are illegal in your state
  • A phony bill collector is trying to practice payday loan extortion
  • You have multiple illegal loans and you’re drowning in payday loans
  • You have to make the decision between payday loan payment or eat
  • Collection agencies are harassing you with continuous calling and contacting you at work or speaking with employees at your job
  • You’re banking account is overdrawn through the roof and payments will go towards paying overdraft fees and getting your account out of a negative balance
  • The choice to take out payday loans has worsened your financial situation and you are worse off
  • You feel depressed as a result of the choice to get online payday loans
  • You question: What was I thinking when I took out all of these loans?  I must have been temporarily insane.
  • Your life has been turned upside down as a result of these online payday loans, and you want to regain your life and take control of the situation

Collection Agency: We will continue to call you!

Your response in your head and to them should be: No you will not!  If you have been verbally abused or harassed by an illegal or fake collection or unlicensed debt agency and have asked them to stop contacting you, friends, family, affiliates, and place of employment and they continue, you may want to consider consulting with a licensed attorney and/or sending a written cease and desist letter, contacting or filing complaint with state attorney general office (AG), and the Federal Trade Commission (FTC).  File for the abusive nature of their activity.  In certain situations email may be sufficient.  However, in other cases email followed by a mailed U.S. Postal Service certified mail return receipt (CMRR) requested copy is most likely equally or more effective.  If accepted by the recipient CMRR is the best step to take.  The few dollars invested in invaluable for peace of mind and peace from the phone ringing off the hook.

 Fair Debt Collection Practices Act § 806. Harassment or abuse [15 USC 1692d]

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.    Source:  Federal Trade Commision



Sample cease and desist letter for collection agencies Read More →