Complaint Review: Darrell Franklin Legislation Department Esper Law Firm - Nationwide

I have gotten several of these emails.  I have redatcted my personal information, but whoever is really behind it does have my personal information.  I have never had any contact with a company called Quick Payday (if one even exists).  If it were real, they would be in major violation of a plethora of debt collection laws.

Date: March 3rd, 2018

 Dear:  MATTHEW GEER

Address:  

SSN:  

DOB:  

Employer:  

Driver’s License#: 

Drivers State:  NE

Reference#: CF65509

 Plaintiff: Quick Payday

 This letter is a prior notification to you regarding your account with Quick Payday before your file gets registered inside the courthouse with the legal procedures on your name.

This notice will certify that a petition has been entered against you. The above name entity individual respectfully requests that you immediately settle this account. This consideration includes the penalty fees, judge fees; courthouse fees, etc. It may put you in a legal mess.

Since you have not made the payment, we would be forced to commence lawsuit without further delay followed by all the legal interrogatories and consequences; this could further jeopardize your credit ratings, and your social will be hampered. The company holds the prima facie regarding your case.

The longer you go without paying your payday loan, the more you will owe the lender. Because money lender often charges hefty interest rates (up to 600% annually) and fees for nonpayment. Some states have rules related to how much interest a payday lender can charge, however, other states, such as Texas; allow payday lenders to charge unlimited interest and fees for nonpayment.

Besides, non-repayment of the loan will be reported to the three major credit bureaus causing severe damage to your credit score, jeopardizing your credibility in future. Defaulting on loan obligations may result in not being able, or being less able, to borrowing again in the future from other credit institutions, the collection action will stay on your credit report for seven years. 

Also, to inform you that this loan was provided to you against your paychecks. My claimant that's your Quick Payday has all the rights and is authorized to Email/Fax the official copy of the court subpoena to your human resources or the legal representative of your firm. Wherein, they have to appear in the court while the case is on which would be resulting in termination from the full-time employment and to make sure they take strict actions against you. Consequently, your salary/wages will be garnished.

This is the last warning before taking further actions on the judgment against you. Failure to this notice will require us to utilize one of the enforcement as mentioned above options against you. No further notice will be given before further enforcement actions on this judgment. 

If you have any issues regarding this matter reply us back and we will contact you as soon as possible to help you to get out of this issue.

 Sincerely,

Darrell Franklin

Legislation Department

Esper Law Firm

 *** If you have any doubts about the credibility of this email please refer to the Terms and conditions under the breach of the contract via the online application filled up by you. ***

____________________________________________________________________________________________________________________________________________________________

Note: This notice is provided to you on behalf of United Personal Org. and the parent company, and their respective family of companies including Quick Payday, Cash Advance, Cash America Note: This notice is provided to you on behalf of United Personal Org. and the parent company. Their respective family of companies including Quick Payday, Cash Advance, Cash America International Inc., and all their respective subsidiaries and affiliates, (hereafter collectively referred to as the “United Personal Org. related companies,” “we,” “our,” or “us”). The United Personal Org. related companies include, but are not limited to: Quick Payday, Cash America International, Inc., All their respective subsidiaries and affiliates, including those that operate under the trade names Quick Payday, Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “your” means you as a participant in or as a user of the products or services offered by an of United Personal Org. Company.

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. *

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