Outsourced Agency Trying to Collect on a PDL. I live in Maryland
Last year I received a Payday loan and was paying on it every two weeks for about 5mths. I fell into some hard times and defaulted on one payment. They didn't try to charge my account again but now I am getting a call from a guy that says he's going to file something in the courts under my name and social if I don't pay the principle and interest on this loan. I live in Maryland and I understand that these loans are illegal. I am willing to pay the principle but at a much lower amount than he's asking. I told him that I am a single parent and can only pay what I told him. What should I do?