I need to know my rights and what I can do. The Law Office of Patrick Corbett, 716-681-3361. Have been contacting and threatening me. I owe for a payday loan with Check-N-Go, but I owe $740. Patrick Corbett is trying to collect $1800, then he knocked it down to around $900. Bottom-line, I don't make a lot of money. I didn't know any better. So they threatened me. Told me to pay the entire amount within 30 days or they'd file charges against me. I gave them my bank account info. Mind you, I told him the money would not be in my account on April 30th. He said that was fine, that I am allowed a bounced check. He then said call back in May with my Debit Card info, and they would debit May 15. I had every intention of paying that on the 15th, but I didn't have the money come the 15th. They then called me at work the morning of the 16th and threatened to have me arrested for bouncing a check twice across State lines (I live in MD). I was pleading and crying asking if I could please pay like $200 a month (that is what I can afford). They said if I didn't come up with $500 by COB they were pressing charges and I would be arrested. I was crying and telling them I am a single mom of a disabled child. They were rude, did not care and hung up on me!
Since Monday, they have left 2 messages on my home phone. I have not listened because it will upset me.
Should I change my telephone number? They are harassing me. And I fear they will start back calling my job and they have called family. What are my rights? I KNOW I owe, $740, but why can't I work out an affordable payment plan?