old pay day loan

Cash Central is licensed to lend in CA.

Did you pay anything back before your account was closed?

Also, the statute of limitations in CA is 4 years. Can you figure out the exact date you signed the contract with CC?

I wouldn't worry about Michael Moore, right now. He sounds like the typical PDL scammer. You can't be garnished without a court order. Have you been sued? Have you received anything in writing other than the email? Did the email say "this is an attemt to collect a debt....you have 30 days to dispute the validity..." or anything similar?

You'll need to request debt validation, in writing from this company. I doubt they'll have it.

i'm noticing more and more how legal lenders are selling their debt to bottomfeeders.think about it.

1)the loan was for 200-250
2)the OP is in CA
3)the place threatening for an inflated amount is in NY
4)they can't garnish without taking the OP to court in CA

i know the debt was legal,but i suspect cash central sold it to a bottomfeeder in NY.the OP should check their court clerk's website using their name as the defendent.i'm positive nothing will be there.when that is confirmed the OP should file AG,AND FTC complaints against this bottomfeeder.last thing.the OP should contact cash central and try to pay them.if they did sell it then you don't bother with crap in NY that has to resort to threats they can't carry out.

I was thinking the same, Paul.

That's why I mentioned the SOL. I'm betting if the CA is sent a DV, they'll go away. And I doubt their will be any further pursuit before the SOL expires.

I don't believe I paid back anything before the account was closed but I'm honestly not sure. I know I later paid back BofA $583 to clear up the account. I know the loan was in the summer of 2009. I haven't been sued yet and at the bottom of the email, which was like a letter on company letterhead, said "Federal law requires us to notify you that this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose." There is a section on the email that has my social, DOB, Original Creditor, original acct #, date incurred 5-07-12 and charge off time of 7-31-2009. Is that the same as a debt validation letter? I'll go ahead and send a debt validation letter. It can't hurt. So I shouldn't try to work out anything with that company that keeps calling me?

Thanks a bunch!

Also make sure that you send a cease and desist for calling you at work.

If it was charged off in July of '09, you likely defaulted prior to that date.

Frankly, I'd ride it out until SOL expires.

Send the DV. It's highly unlikely they'll be able to produce your original signed contract.