Complaint Review: Ez Money Loans - Los Angeles California

Ez Money Loans signed by Douglas Agans They sent an email telling me I received a loan from them and I did not. Information that they have for me is incorrect. They are threatening to garnish my wages through LA county Superior Court Los Angeles California

They Sent this:

Good day (my name) , this email is regarding an unpaid debt for EZ Money Loans Inc. taken in July 29, 2016. Despite sending you several reminders in past in the form or mails, emails and phone calls, we have received no payment from you about your past due accountwith EZ Money Loans Inc. Please check below for detailed information of your debt:

Loan amount: $300.00

 Total amount: $427.95

 Outstanding balance: $427.95

Name: (my name)

Loan Account # EZML154941470

Address: (My address)

Wage garnishment will be enforced if you fail to make good faith payment within 15 days of this email. We will start court proceedings to enforce collection of the debt, which may entail additional expenses for you. It will hurt your credit rating. We registered online case with Superior Court of California, County of Los Angeles. Please note down the reference number for the case as BC88858469. Please check below information to know further details.

As per FDCPA, company agrees to provide payment arrangement if an immediate payment in full will create an undue hardship. We can modify payment arrangement when hardship exists. However, we cannot reduce the total balance due. Company agrees to give you pay-off discount if you are willing to pay within 15 days.

In case of denial, we must issue an Earnings Withholding Order to collect your delinquent court-ordered debt. We will instruct your employer and social security department to deduct up to 40% of your disposable earnings for each pay period.

The total outstanding amount under your name is $427.95. Please check below for proposed payment plan. However, changes to the proposed payment plans is possible if there is hardship or a different pay schedule.

1. $107.00 – 03/22/19
2. $107.00 – 04/05/19
3. $107.00 – 04/19/19
4. $106.95 – 05/03/19

We can offer you to pay $300.00 within a week if you want to clear outstanding balance within 15 days of this email. Please write us back as per your convenience. Please make a good faith amount within 15 days of this email to avoid further proceedings. Late Payment charge of $39.00 will be added if you don't make your first payment till next Friday.

Our payment conditions are mentioned below. We do not accept any other mode of payments. We only accept payments through following portal:

1. Credit/Debit card
2. Online payment through e-Invoice

Please write us back with your payment option to start your payment arrangements.

With Regards,

Douglas Agans

[email protected]

706 S Spring St, Los Angeles, CA 90014

Date: 03/15/19

                                                                                                                                                                                                                                                                                          Superior Court Of California

County of Los Angeles

South District – Long Beach

415 W Ocean Blvd, Rm. 203

Long Beach, CA 90802