Payday Lending

Michigan Payday Loan Attorney

Payday loan companies are known to employ unethical tactics when it comes to the collection of outstanding debts. These tactics often go far beyond threatening or violent phone calls. Some payday lending collectors will deceitfully say that they are calling on behalf of the court and will threaten consumers with arrest. Others will go as far as threatening arrest, prosecution or jail time unless the debt is not paid. This special breed of debt collectors will make it seem as if they have the power to do this through court staff and orders; however, none of this is ever true. If you have taken out a loan from a payday lending company and have been a victim of these extreme tactics, we may be able to help.

How Can Lyngklip & Associates Help Me?

Under the Fair Debt Collection Practices Act, payday lending companies are prohibited from using these deceitful, threatening or violent tactics to collect debts. Additionally, federal and state laws provide damages to victims of unethical and illegal payday lending debt collection practices. Successful cases may even result in recovery of your attorney’s fees.

Common Cases We See:

We may be able to help if you have experienced the following:

• Phone calls from an investigator saying he is calling from the court regarding an outstanding payday loan debt.
• Threats of arrest or imprisonment if the payday loan debt is not taken care of.
• Threats of garnishment of wages or property from an outstanding payday loan debt.
• Payday loan debt collection phone calls from an anonymous phone number.
• Any other violent or unethical threats in relation to an outstanding payday loan.

How Much Are Your Fees?

We work on a contingency basis, which means that our clients do not pay unless we recover and any fees we recover come from the money we collect from the other side.

Payday Loan Harassment FAQs

A payday debt collector is claiming that I have committed check fraud.

A common (and illegal) scare tactic that payday loan debt collectors often use is falsely accusing you of having committed check fraud. Even though their accusations may be without merit, you should still consult with an attorney to ensure you are in the clear. Harassing phone calls with false accusations are a definite violation of the Fair Debt Collection Practices Act.

A payday debt collector is claiming that I committed a federal crime.

A common (and illegal) scare tactic that payday loan companies often use to collect debts is telling consumers that they have committed a federal crime. Regardless if it is true or not, you should still consult with an attorney to ensure that this claim is without merit. If the claim is false and the payday loan company continues to harass you, your rights are most likely being violated.

A payday debt collector is claiming that I will be arrested if I don’t pay my loan back.

Threats of being arrested are common with payday loan debt collectors. These threatening calls are illegal under the Fair Debt Collection Practices Act. If you have been threatened to be arrested, you should contact an attorney to see if you have a case.

I defaulted on my payday loan and now I am getting threatening/violent calls.

Payday loan collectors are known to employ aggressive and illegal debt collection tactics. If you have taken out a payday loan and are receiving threatening or violent phone calls asking you to pay your debt, your rights may have been violated under the Fair Debt Collection Practices Act.