I have a hard time believing that all these totally nasty comments are not written by people working for these unethical usury loan scammers like Quick Click Loans who charge (for instance) people in San Diego, California $5388.40 interest on a $2, 600.00 loan (98%). These companies are predatory lenders that prey on folks who are unable to secure a regular bank/credit union loan.
The manner of writing by those people who made the nasty comments obviously shows they have little education and absolutely no common sense. Yes, you signed a contract and yes, you are obliged to repay the loan, unless you are granted bankruptcy, but there are some consumer protections in place you are entitled to through the Fair Debt Collection Practices Act (FDCPA) outlines what debt collectors can and cannot do to collect a debt: Here is some good advice when dealing with the company vultures of predatory lenders.
1. Set boundaries. Debt collectors cannot legally call you at work or call a relative or other third party if you tell them not to. Be sure to do state this as quickly as possible and follow up with a letter sent via a service that provides tracking and proof of delivery
2. Know your rights. Debt collectors cannot call you before 8:00 a.m. or after 9:00 p.m. They can't threaten violence or arrest, use profanity, or lie.
3. In your letter, offer to work out a payment plan in writing, and ask that they not contact you by phone anymore.
4. Be honest. If you can't pay the debt, say so. Briefly explain why (for example, tell them you've lost your job or are sick), and explain when you expect to be able to discuss it. Being forthright and reasonable often reduces the number of phone calls and may stave off a lawsuit.
5. If finances are really bad because of the job loss, , consult an attorney. If you have multiple outstanding debts, you should get legal advice to understand whether bankruptcy or other options are best for you.
6. File a complaint. If a creditor is harassing you and taking steps to stop the harassment isn't working, file a complaint with an attorney general in your state as well as the Federal Trade Commission
Note: keep a good written record of your actions and theirs. It may well be used if legal action against them becomes necessary in the future.
It is always a mistake to pack cash in your luggage when flying . There is not a whole lot you can do about the theft. If the police could get fingerprints from the envelope or contents, possibly, but if you handled them, or the thief wore gloves, the chances are poor. The airline can do nothing except turn over security tapes (if any) to the police. The airline has no proof the money was ever in the baggage.
