I've had an account with Cash call since November. I needed the money only to help me with a deposit for an apartment since my mother was moving out of state with only a months time of notice. I was approved for $2600 at an outragous 99.24% interest rate. Anyway, I ended up not needing the money for the apartment because my dad allow me to stay with him until I can get on my feet. So I used it for Christmas shopping, to pay down some of my credit card bills and my car note. It was definately help beacuse the job I had at that time only paid about $150 per week.
I made payments to Cash call from the money I was loaned from them and even when I got my taxes. Sometimes I didn't know that they were taking out money of the account until I checked my email, which wasn't very often. Sometimes they took it out on the 5th or the 1st of the month. They caused me a lot of bank fees, so I closed the checking account I had used for them to do the ach. Then I started getting calls 15 times a day asking for a payment and even if I made a payment 10 days after the calls would start again.
For the past three months I have been unable to pay them because was been unemployed for 2 months and now I'm catching up on bills I couldn't pay then. Within that time I have been getting calls from them 3 times an hour almost everyday. They called my references harrasing them too, looking for me. And recently, they sent a letter stating the can defer a payment until August 1, I just have to sign a Agreement stating I can pay $216.55 now. Unfortunately, I can't right now because I'm moving to a new place and I've pretty much used all the money I borrowed and made for the deposit. Now my account has been transfer to Loss Mitigation and I've recevied calls from them every day even one time about 15 times in one day. Ben Miller from the Loss Mitigation Team tried to help but in his efforts he gave up pretty easily because I couldn't pay at that time only in July. He said Jull is too late he wouldn't be able to help after June 30th and they would take me to court, garnish my check and goodluck to me.
Now they I have switched my file with different people, I guess to see who can get any money of me. I still begged and pleaded for them to work with me and my circumstanes and they basically said if you can't help me how can I help you.
Yesterday a Ms. Callins called to let me know this was there final attempt collect and if they don't hear from me they would take legal actions and wish me goodluck because I'm going to need it. Well I was very appaulled when I heard that. I called Ms. Callins back to let her know I can only pay the $216.55 in July. She said we are not going to let this account reach 120 days past due. We can't hold on to it that long. At this point it goes to legal actions and to possibly garnishing your check. I told her I've exhausted my optins on borrowing money from people. She offered for me to get a payday loan. I told her that would not be possible and make no sense because that would put me more into a hole and I wouldn't know when I could pay back the payday loan. I even called the apartment lease consultant to where i will moving to see if I can they can take of $200 from the deposit so I can make a payment to a company that needs it.
While I was asking this Ms. Callins was on the line listening because I had nothing to hide. The lease consultant was willing to do it but my rent would go up another $50. Anyways, I call Ms. Callins back after she told me she would call me back, she wanted to know what can you do, I told her I can only pay $150 now $45 next week. She said that wouldn't work and I needed to have the money in today, then she transfered me over to someone else. This other person knew my situation and she basically had the same story as Ms. Callins and put on emphasis the legal actions of taking me to court and garnishing my check. I told her she cannot do that first of all because you don't know where I work. This person mentioned calling my references to get that information. I told her they have no idea where I work. However, she insisted they would find out like EDD found her job information and started garnishing her check. And that I also signed a contract of arbitration stating that they could garnish my check if they had to take legal actions. Which I look at and cannot find it on there yet.
Since reading the forums on here it has lifted a little weight off my shoulders, knowing that they are liars and crooks. I am ready to go to court if they want to go. But I will still make payments to them to show I not refusing to pay them. Hopefully, someone on here can tell me if they can really garnish your check.
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