Hi, I had a phone call from one of their Afni agen

4 Answers

You cannot verbally do anything.  Send them a cease and desist letter IN WRITING tell them to blow off and never contact you again, the debt is time barred.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

You cannot verbally do anything.  Send them a cease and desist letter IN WRITING tell them to blow off and never contact you again, the debt is time barred.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

You should not say that 'I dispute the debt". Rather, you should say that the debt is time barred.


Unless you are in Kentucky, the SoL on the debt has run out.


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