Are pay day loans legal and licensed in NY State and can they sue you for non payment of debt?
I live in NY State and I have the following open loans and I was wondering if all of them were legal to lend in NY state and if they were all licensed.
Huskhawk Group LTD loan amount 300.00paid to date including fees 265.00
Shamrock Marketing Group LLC \" \" 300.00paid to date including fees 90.00
Integritypaydayloans.com \" \" 600.00paid to date including fees 90.00
Sandpoint Capital LLC \" \" 300.00 paid to date including fees 215.00
500FastCash \" \" 300.00paid to date including fees 215.00
I have not closed my account yet. I just found this site today. I owe all of them a payment tomorrow and I\'m trying to get out of this trap with them. This is a lesson learned but I needed financial assistance at the time. So here I am.
I wasn\'t behind on any payments at all and they started calling my office two weeks ago and my home with threats to sue me. They never mailed any notices to my home or emailed me with behind payment notices. They are very rude to my co-workers, today I had to let the staff know it was a scam and moving forward to tell them know that I no longer work there.
I called legal the advice they gave me was not to speak with them and keep a record of every number and if they keep calling just tell them under the Fair Debt Collections practices Act I\'m requesting written verification of the debt and I want all future communications solely in writing.
I get calls all day on my mobile from weird numbers and one number is listed as 1011.
Are they legal and licensed in the State of NY. What are the steps to make this stress free and eliminate them. I just want to pay it off but with the interest I can\'t seem to do it. Please help me.