Ask Your Legal Question. Legal Experts Answer You ASAP.

(Not a Legal Question?)

I was contacted by a "attorney''s

Sent to Legal Experts May 5 2008 at 11:34 AM
   

I was contacted by a "attorney''s office" stating they were representing a company called Quik Payday Loans in Colorado. They were basically threatening that if I did not pay $460. they would have a local attorney take me to court and it would cost me $3000. I am in Alabama and I supposedly took out the loan via the internet in 2004. Is there a statute of limitations on this and what legal jurisdiction would apply. They did have my PO Box which they stated the payday loan company could not reach me through. I have had this box open since 1999.

 

Optional Information:
Huntsville, Alabama

Already Tried:
I called to ask general questions from the D.A.'s office. The woman that answered stated that they could swear out a warrant for theft if the loan is legitimate.

Customer (name blocked for privacy)
Status:  Closed   Value: $15
Answer
May 5 2008 at 11:40 AM (6 minutes and 16 seconds later)
         
ACCEPTEDCheck Mark

Dear Customer (name blocked for privacy):

Thank you for your question.

The statute of limitations based on a contract or promissory note is 6 years in Colorado. This means that if this debt is yours, they still have the ability to pursue it.

Although they do not have the right to "threaten" you. The attorneys do have a right to let you know how much it will cost you to settle the debt now, versus settling it if they need to take legal action or impose penalties.

Please let me know if you have any other questions, or require clarification of this matter. Otherwise please hit "ACCEPT", so I may receive credit for my response. Tips and feedback are also appreciated.

Good Luck!

-KAT



The information provided is general in nature and should not be construed as legal advice or to create an attorney-client relationship. You should always consult with a lawyer in your state.

KAT
Lawgirl -- Lawyer (JD) -- 99% Positive Feedback on 947 Legal Accepts
I am an attorney familiar with the above-stated subject matter.
Reply
May 5 2008 at 11:48 AM (8 minutes and 27 seconds later)
         
Reply to Lawgirl's Post: OK, my question is still not answered. If I did make this loan, would they not have to pursue it where they are located as opposed to Alabama?
Customer (name blocked for privacy)
Answer
May 5 2008 at 11:55 AM (6 minutes and 51 seconds later)
         
THIS ANSWER IS LOCKED!
You can view this answer by clicking here to Register or Login and paying $3.
Lawgirl -- Lawyer (JD) -- 99% Positive Feedback on 947 Legal Accepts
I am an attorney familiar with the above-stated subject matter.
Reply
May 5 2008 at 11:59 AM (3 minutes and 41 seconds later)
         
Ok, do they have the right to have you arrested? That information I found to be unbelievable.
Customer (name blocked for privacy)
Answer
May 5 2008 at 12:11 PM (12 minutes and 40 seconds later)
         
THIS ANSWER IS LOCKED!
You can view this answer by clicking here to Register or Login and paying $3.
Lawgirl -- Lawyer (JD) -- 99% Positive Feedback on 947 Legal Accepts
I am an attorney familiar with the above-stated subject matter.
Reply
May 5 2008 at 12:31 PM (19 minutes and 19 seconds later)
         
FYI for your database, while I was waiting I was further searching for information on this attorney. He appears to be quite shady and has several lawsuits outastanding against him. Christopher Ranieri out of Florida. He is involved with the McKinnon group and is like all other credit collection agencies purchasing loans that are in default and then trying to pass himself off as something other than a third party collection agency. His modus operandi appears to be strong arm tactics and threats.

Thank you for your input.
Customer (name blocked for privacy)
Answer
May 5 2008 at 12:49 PM (18 minutes and 20 seconds later)
         
THIS ANSWER IS LOCKED!
You can view this answer by clicking here to Register or Login and paying $3.
Lawgirl -- Lawyer (JD) -- 99% Positive Feedback on 947 Legal Accepts
I am an attorney familiar with the above-stated subject matter.
Think you can answer this question?
Login or Become an Expert

Related Answers

 

DISCLAIMER: You acknowledge that any information you may obtain from individuals you contact through use of the JustAnswer service comes from those individuals, not from JustAnswer, and that JustAnswer is not in any way responsible for any of the information these third parties may supply. The site and services are provided "as is" with no warranty and no representations are made regarding the qualification of an Expert. Responses and comments on JustAnswer are for general information and are not intended to substitute for informed professional advice (such as medical, legal, investment or accounting) and do not establish a professional-client relationship. JustAnswer is not intended or designed to address EMERGENCY QUESTIONS which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service.

JustAnswer > Legal