Payday Loan Ky

Payday Loan Ky

Can I press charges for threatening and harrassment?

I have been receiving telephone calls from legal processing associates in austin tx. stating that I owe a payday loan company from 2 years ago and that if I don't send them $1350 today, they are going to issue a warrant for my arrest. They have called my father, sister, and brother and told them all the same thing. this company is listed on ripoffreport. com, and many other people are saying the same thing. Do i have the right to press charges on them for threatening me and harrassing me and my family? They are in Texas and I live in KY.
Also, do I have the right to record telephone calls with them to use as evidence?

Nothing in your statement reaches the requirement of threats or harassment. Threats would be threats of physical harm. If I threaten to kill someone I have made a threat under the law. If I tell them I am going to take a legal action, that does not constitute a threat.

To be harassment, they would have to call more often than is permitted by law. That varies state to state, but is generally once per day.

What you can do is to tell them to send their demand in writing and to cease all phone calls. When you receive the written notice, you can contest (in writing) the validity of the debt. Since payday loans are done via a check, you should demand a copy of the returned check.