Mountain Loan Centers has made my life unbearable for the last 6 months. Myself as well as my family, my freinds, and my co-workers have been harrassed, berrated and threatened over and over and over again by this company. Their Interest rates end up being much higher than the initial agreement, and from what I understand they are against the law. This company led me to seek therapy as well as claim bankruptcy.
I took a loan out 6 months ago for $750. I fell on hard times a couple months later as a lot of people do from time to time and was unable to make a full payment. I went to the office on 3300 S. and offered them the last $40 that I had to my name. The lady at the front desk immediately called "Correen" from another branch. Correen said to me that she would not accept the payment because it would not do me any good now. I left with my cash in hand. The next morning a woman named Victoria called my phone and left a message. The message said that she was going to start calling my references over and over until I called her back. Sure enough, she called my parents, my brother, 2 of my freinds, my neighbor, and my supervisor at work. But she didn't just stop at one phone call. No, she called each one of them at least two times each and some of them 3 within a period of 30 minutes. For 30 minutes from the time she left me a message she harrassed my family, my freinds, and my boss. I wasn't even avoiding her. I left my phone upstairs on a Saturday morning and didn't know I missed her call until it was too late. When I returned her call half an hour after her initial call I asked why she didn't just wait till I called her back. This was after all the first time she had ever called my phone since I took out the loan. She said I was going to learn very quick not to miss payments and that If I wasn't going to pay that someone I know will. The day after she called all these people again. But this time she didn't even call me first! This harrassment continued for almost 6 months. My neighbor finally changed his number, my co-workers don't treat me the same, my parents tell me over and over how guilty they feel that they couldn't afford to help me out, and I have had to find a therapist as well as finally claim bankruptcy.
A few days ago I got a letter in the mail saying that Mountain Loan Centers has a "Default Judgement" against me in a court of law for the amount of $3600+. I never even received a summons. After I saw this letter I received a phone call from "Shaun" with Mountain Loan Centers. He immediately demanded that I pay him half of the $3600. I told him I did not have it right now but might be able to get in a couple weeks. He said he will get "his" money one way or another even if it means coming to my work to get it. When I asked what his position and his last name is he yelled "that's none of your d**n business!!!" He continued to threaten me and berate me over and over. Every time I didn't respond to his threats or answer a question right away he yelled "What's the matter, don't you speak English!!! Huh? You speak English man!!!" He said that Justice was served and now it's time to pay. I responded that justice had not been served because on the day that they claimed they served the court summons I was at the Hospital visiting my sick girlfreind and I can prove it. He said that they didn't need to serve me in person. I never once received a summons from Mountain Loan Centers. Not in person, Not in the mail, Not once. I was forced to claim bankruptcy today due to all of this. I borrowed $750 and within 6 months this company was awarded over $3600 on a case that I never new existed until I received a harrassing phone call from this "Shaun" guy, who it turns out is the owner, informing me that they are garnishing my wages.
This company is the shadest, lowest, dirtiest company I have ever seen or heard of for that matter and I pray that any one who reads this will avoid them like the plague.