IHateCAs

It's the "I never took out a payday loan, but if you can prove I took this out I'll pay it" bit. Seems strange to me for someone to absolutely know they've never taken out a payday loan but offer to pay it if there was proof. You'd think someone would just keep saying the CA had the wrong person.

This is a very, ummmm, passionate thread.

Sweet Jesus.

If they sent the notice to the wrong address, you can rebut their presumption that the letter was received. They may ignore you at this point, but I'd place bets on your side in a court case.

So did you take out this payday loan or not? Your OP is a little on the coy side.

So... update?

Isn't that what I and others have been saying all along? It is not a violation of Cali law to engage in non-judicial collection activities (contrary to some other opinions).

What does that mean?

Courts have construed the "further action" phrase to mean a lawsuit... or the possibility of one. Many courts have ruled threatening suits on time barred debts to be violations of the FDCPA. 1692e(2)(A) specifically.

You've got 4 weeks to answer. Get lawyer then answer, not other way around.

A cheaper solution would be defending yourself, but buyer beware. Not saying its impossible and many before you have learned on the fly after being sued, but if you can make whatever arrangements you can to hire a good lawyer, do so. Pretty good ROI.

$950 < $14,000

Hire him. Have him explain everything to you so you understand the process. Read all his filings. Next time, try doing it alone. Better to get it right the first time, then be worrying about appeals.

I don't see how it would screw anything up. If you have to, get the CU attorney to explain it to you like you're 5 years old so you understand the concept. Then reexplain that concept in your letter to whomever you send it to.

$15k a piece.