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Marrah, I'm not sure why you're asking this question. You've read my article above that explains how these companies operate and how they lie to you.
You also say you have the best bankruptcy attorney in your area (whom I assume says it's OK for you to file bankruptcy). Trust your own "best in the area" attorney. Got personal loan providers in pune call today after almost seven years of claiming bankruptcy. I can't believe they are still out there trying to scam me out of money. It's scary though, as I don't want any criminal fraudulent charges. They say my summons is on the way for writing bad checks that went into bankruptcy.
From almost seven years ago.
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(Most payday loans require borrowers to provide a post-dated check or debit authorization to get the money. ) The state Office of Consumer Credit Commissioner has advised the payday loan industry that criminal charges may be pursued only in very limited situations where it can be proven that a borrower knew a check would bounce. The Consumer Service Alliance of Texas, a trade association representing 80 percent of Texas payday and title loan companies, is even more strict about the practice.
Members will not threaten, or pursue, personal loan providers in pune action against a customer as a result of the customers default on a credit service agreement, according to the groups website. I think the idea of debtors prison is offensive to most people and thats why we have prohibited this in the law, said Ann Baddour of Texas Appleseed, an Austin-based organization that advocates for the poor.
Its clearly established in the law that unless theres criminal intent on the part of the borrower, theres not an personal loan providers in pune to pursue criminal charges. Still, payday lenders have found courts and prosecutors willing to take cases.
The practice threatens to jail people for debt. Until debtors prisons were banned 180 years ago, Americans could be jailed for years for owing just a few pennies.