Legal Question in Banking Law in Florida

Last month, I made the mistake of getting a cash loan of $200 from an online company. The terms were that in one month from the loan date, I would either pay $265 to pay the loan off, or pay $65 to renew it for another month. It was supposed to be taken out of my bank accound on friday (4-13-2012) but I had less on my direct deposit than I expected. On monday, I got a call from someone in New Jersey saying he was a representative at a law firm there and that he was also an officer, and that he was calling me because I have a criminal suit against me, and if I dont pay $420.00 by the end of the call, they would come to my job and arrest me on the spot. I wasnt sure if this was real but it scared me, so I went to my bank to see about getting the money to pay him. But when I got my balance, my account was overdrawn by $70, because that same comany had taken money out that wasnt there. So they got their payment. I called him back to tell him this, and he told me that it doesnt matter, that the company who took the money is no longer the people I need to deal with and if I dont pay his law firm the money, I will go to jail. My question is, since I have my bank statements showing where the company took the money out of my bank account, can this law firm in New Jersey really have me arrested if I dont pay them as well, or are they trying to scare me to get more money out of me?


Asked on 4/17/12, 10:08 pm

1 Answer from Attorneys
Santosh Dash Legal Consultant

in case the lender company taken $265 as agreed, you should not worry. In case the law firm calls you again, ask for a written confirmation of what they are asking.

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Answered on 4/17/12, 10:18 pm


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