Got an email from David Enwall at Esper Law Firm saying Quick PayDay was going to file a lawsuit against me in court. The email says I work at a company I haven't been working at for over 4 years now, but does have my ss# and drivers license number. The email doesn't have an amount I own, no link to the website to check your account and no contact info. This is the email that was sent: (removed personal information from email)
Date: March 26th, 2018
Dear:
Address:
SSN:
DOB:
Employer: macys (don't even work there anymore)
Driver’s License#:
Drivers State:
Reference#: CH25936
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,
David Enwall
Legislation Department
Esper Law Firm
I looked up this law firm online and they don't even handle payday loan lawsuits, they work in the construction injury field. Also, there is now payday loan company called Quick PayDay, so I know the email is fake. I will be sending it this information to the government and the FTC.
If you have been contacted by this individual or someone else using the same ruse, please go to this website for help with reporting them so we can stop this scam; https://www.consumer.ftc.gov/articles/0003-phishing
They are scammer. I never got a loan from quick payday
*Hi, This legal proceeding is issued on your Docket# with one of Quick Payday Company, concerning your account with Quick Payday Inc., which you took out from Quick Payday and failed to repay them back. It is to notify you that after making several calls on your phone number they were unable to get a hold of you. So now as on today's date, accounts department of Quick Payday has decided to mark this case as a flat refusal and has authorized us to press charges against you in court. Plaintiff Quick Payday addresses the defendant to pay the sum of one thousand two hundred fifty which the plaintiff claims to be in respect of together with interest due thereon from the said date of repayment in full at such rate as the court may deem just. The whole as appears by Deed of Assignment in the plaintiff's favor and to pay the cost of the action. Please note that commercial enterprises, banks, and other financial institutions, which in any manner, are involved in the lending of money or the granting of credit, have a legitimate interest in accessing the database. The preceding also applies to debt-collection agencies. Consequently, any of the information as mentioned earlier may be passed onto such parties and may, in the process, affect your credit rating. We would like to draw your attention to the fact that if judgment and an order for repayment in full are obtained and remain unpaid, the following enforcement options are available and may be considered by our client. 1. Warrant of executions by bailiffs against goods owned. 2. Application for attachment of earnings orders with your present or future employer. 3. Request for a charging order on any property you may own or are purchasing under a mortgage. (Where the balance outstanding is of a sufficient level.) In short, you will end by paying $ 8, 483.67 either by selling any of your assets or properties, along with you the other references that you used while making the transaction will also have to face the consequences. We would emphasize that should judgment be entered against you this may affect any future credit application you may make elsewhere. We would also draw attention that all legal costs incurred in this situation are usually payable by the debtor. The balance includes an administration cost of $ 1,310.78 which has been added to offset (some of) the expenses incurred by our client. As we put your SSN into the National Checking Database System, we found that you have never been charged for any fraud activity hence I have personally evaluated your file, and with my experience, there is nothing here to suggest that this was done with any ill intent or malice. Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal and a breach of verbal or written contract. Thanks, From: Dave Brunswick Sent: Friday, November 3, 2017 5:50:09 PM To: Subject: Letter Before Action Date: Nov. 3rd, 2017 Dear: SSN: Bank Account#: Routing#: Claimant: Quick Payday Reference: EG101335 Plaintiff has given you more than ample time and notices regarding your long overdue balance of $ 1,310.78 for the settlement of the legal matter outside the courthouse. Numerous attempts to resolve your long overdue account have been unsuccessful. As you know, your overdue balance now equals $ 1,310.78 (which includes interest on the overdue account). Interest will continue to accrue on this past due account. You are requested to appear in the court to defend the action of which particulars appeared earlier and now. If you do not appear and defend the proceedings, there is no hearing so it is highly likely judgment may be given in your absence. If the court rules in favor of the Plaintiff/ creditor (Quick Payday), you have to pay up when the order tells you to. If you don’t pay up as ordered, the Plaintiff may then take steps to collect on the judgment under Enforcement Action. As per the enforcement action, your Plaintiff has some other options to make you pay - 1. Garnishment from your wages to pay the debt under an attachment of earnings order. 2. Take the money that you are owed by someone else from your bank account. It is called a third-party debt law. 3. The Plaintiff can take steps to receive the money it is owed by asking for a lien on an un-exempted real estate owned by the debtor, the sale of the debtor’s property secure the debt against your home or other assets you own. It is called a charging order and means that you could lose your home if you don't keep up the repayments. After a judgment, you may be summoned to answer questions about your finances. Fail to meet the summons it is remotely possible that you will be picked up by police for disobeying a court order. Enforcement mechanisms The following are the main ways of enforcing judgments: 1. Execution against goods (order from the court which directs the Sheriff or County Registrar to seize your goods and sell them to raise the amount of money which you owe plus costs.). 2. Installment orders, followed (if necessary) by committal orders. 3. Earnings Attachment. 4. Judgment mortgage. We would like to draw your attention to the fact that in most states, judgments are good for ten years, so if the Plaintiff has a judgment against you, any property you acquire within ten years of the judgment could be seized, as long as the loan has not been paid. Even though a payday lender can sue you civilly to collect the balance of the loan, failing to pay a payday loan is not a crime while some collectors threaten borrowers with criminal action, you cannot be sent to jail unless you intentionally took out the loan not planning to pay it back as a fraud. It will be your final opportunity to resolve this matter on your overdue balance account within five working days without the expenses of court proceedings. You will stop this going to court if, before the date given above, you pay the sum of $ 1310.78 being: - The amount claimed, interest and the court rate up to the specified date, Fixed costs and Stamp duty is included for $ 1,310.78. Under section 88 of the National Credit Code, I have briefed you up with the affidavit and done my part; now the best is up to you. Sincerely, Dave Brunswick 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.
Raymond Martin contacted me via email. Displaying private information stating I owe Cashnetusa money for a loan I never took out. Now he is stating lawsuit and garnishment of money. I never took any loans out.
I received an email today claiming it was a legal notice of a pre-court filing debt collection.
When I denied the claim, Carlos Vance would not provide any details on the company, the court information, or evidence of debt.
In my last corresponence I said I suspected fraudulent activity and I have not heard back from Carlos since. The emails do not provide any address, phone number or website for the 'law firm'. A quick Google search did not reveal any matches for Carlos Vance or Esper Law Firm.
I have filed a complaint with the Oregon Department of Justice fraud department. #395296
I have saved the email correspondence and also copied it to a word document. I am unable to paste in this document at this time.
I was reading my e mail on my I phone and came across an e mail from Esper Law stating that I was going to sued and would have to pay a tremendous amount of money for a payday loan called Quick Payday
J. Timothy Esper & Associates, P.C. Reviews
Got an email from David Enwall at Esper Law Firm saying Quick PayDay was going to file a lawsuit against me in court. The email says I work at a company I haven't been working at for over 4 years now, but does have my ss# and drivers license number. The email doesn't have an amount I own, no link to the website to check your account and no contact info. This is the email that was sent: (removed personal information from email)
Date: March 26th, 2018
Dear:
Address:
SSN:
DOB:
Employer: macys (don't even work there anymore)
Driver’s License#:
Drivers State:
Reference#: CH25936
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,
David Enwall
Legislation Department
Esper Law Firm
I looked up this law firm online and they don't even handle payday loan lawsuits, they work in the construction injury field. Also, there is now payday loan company called Quick PayDay, so I know the email is fake. I will be sending it this information to the government and the FTC.
If you have been contacted by this individual or someone else using the same ruse, please go to this website for help with reporting them so we can stop this scam; https://www.consumer.ftc.gov/articles/0003-phishing
They are scammer. I never got a loan from quick payday
*Hi, This legal proceeding is issued on your Docket# with one of Quick Payday Company, concerning your account with Quick Payday Inc., which you took out from Quick Payday and failed to repay them back. It is to notify you that after making several calls on your phone number they were unable to get a hold of you. So now as on today's date, accounts department of Quick Payday has decided to mark this case as a flat refusal and has authorized us to press charges against you in court. Plaintiff Quick Payday addresses the defendant to pay the sum of one thousand two hundred fifty which the plaintiff claims to be in respect of together with interest due thereon from the said date of repayment in full at such rate as the court may deem just. The whole as appears by Deed of Assignment in the plaintiff's favor and to pay the cost of the action. Please note that commercial enterprises, banks, and other financial institutions, which in any manner, are involved in the lending of money or the granting of credit, have a legitimate interest in accessing the database. The preceding also applies to debt-collection agencies. Consequently, any of the information as mentioned earlier may be passed onto such parties and may, in the process, affect your credit rating. We would like to draw your attention to the fact that if judgment and an order for repayment in full are obtained and remain unpaid, the following enforcement options are available and may be considered by our client. 1. Warrant of executions by bailiffs against goods owned. 2. Application for attachment of earnings orders with your present or future employer. 3. Request for a charging order on any property you may own or are purchasing under a mortgage. (Where the balance outstanding is of a sufficient level.) In short, you will end by paying $ 8, 483.67 either by selling any of your assets or properties, along with you the other references that you used while making the transaction will also have to face the consequences. We would emphasize that should judgment be entered against you this may affect any future credit application you may make elsewhere. We would also draw attention that all legal costs incurred in this situation are usually payable by the debtor. The balance includes an administration cost of $ 1,310.78 which has been added to offset (some of) the expenses incurred by our client. As we put your SSN into the National Checking Database System, we found that you have never been charged for any fraud activity hence I have personally evaluated your file, and with my experience, there is nothing here to suggest that this was done with any ill intent or malice. Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal and a breach of verbal or written contract. Thanks, From: Dave Brunswick Sent: Friday, November 3, 2017 5:50:09 PM To: Subject: Letter Before Action Date: Nov. 3rd, 2017 Dear: SSN: Bank Account#: Routing#: Claimant: Quick Payday Reference: EG101335 Plaintiff has given you more than ample time and notices regarding your long overdue balance of $ 1,310.78 for the settlement of the legal matter outside the courthouse. Numerous attempts to resolve your long overdue account have been unsuccessful. As you know, your overdue balance now equals $ 1,310.78 (which includes interest on the overdue account). Interest will continue to accrue on this past due account. You are requested to appear in the court to defend the action of which particulars appeared earlier and now. If you do not appear and defend the proceedings, there is no hearing so it is highly likely judgment may be given in your absence. If the court rules in favor of the Plaintiff/ creditor (Quick Payday), you have to pay up when the order tells you to. If you don’t pay up as ordered, the Plaintiff may then take steps to collect on the judgment under Enforcement Action. As per the enforcement action, your Plaintiff has some other options to make you pay - 1. Garnishment from your wages to pay the debt under an attachment of earnings order. 2. Take the money that you are owed by someone else from your bank account. It is called a third-party debt law. 3. The Plaintiff can take steps to receive the money it is owed by asking for a lien on an un-exempted real estate owned by the debtor, the sale of the debtor’s property secure the debt against your home or other assets you own. It is called a charging order and means that you could lose your home if you don't keep up the repayments. After a judgment, you may be summoned to answer questions about your finances. Fail to meet the summons it is remotely possible that you will be picked up by police for disobeying a court order. Enforcement mechanisms The following are the main ways of enforcing judgments: 1. Execution against goods (order from the court which directs the Sheriff or County Registrar to seize your goods and sell them to raise the amount of money which you owe plus costs.). 2. Installment orders, followed (if necessary) by committal orders. 3. Earnings Attachment. 4. Judgment mortgage. We would like to draw your attention to the fact that in most states, judgments are good for ten years, so if the Plaintiff has a judgment against you, any property you acquire within ten years of the judgment could be seized, as long as the loan has not been paid. Even though a payday lender can sue you civilly to collect the balance of the loan, failing to pay a payday loan is not a crime while some collectors threaten borrowers with criminal action, you cannot be sent to jail unless you intentionally took out the loan not planning to pay it back as a fraud. It will be your final opportunity to resolve this matter on your overdue balance account within five working days without the expenses of court proceedings. You will stop this going to court if, before the date given above, you pay the sum of $ 1310.78 being: - The amount claimed, interest and the court rate up to the specified date, Fixed costs and Stamp duty is included for $ 1,310.78. Under section 88 of the National Credit Code, I have briefed you up with the affidavit and done my part; now the best is up to you. Sincerely, Dave Brunswick 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.
Received an email stating that I owe money on a payday loan him years ago. Below is the edited email (edited to take off my personal info) Date: Nov. 2nd, 2017 Dear: SSN: DOB: Driver's License#: Drivers State: TX Reference#: Plaintiff: Quick Payday Account id: 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, Shawn Dassie 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 “usâ€). 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. * Copyright © 2015 FCI | Privacy | Terms of use
Raymond Martin contacted me via email. Displaying private information stating I owe Cashnetusa money for a loan I never took out. Now he is stating lawsuit and garnishment of money. I never took any loans out.
I received an email today claiming it was a legal notice of a pre-court filing debt collection.
When I denied the claim, Carlos Vance would not provide any details on the company, the court information, or evidence of debt.
In my last corresponence I said I suspected fraudulent activity and I have not heard back from Carlos since. The emails do not provide any address, phone number or website for the 'law firm'. A quick Google search did not reveal any matches for Carlos Vance or Esper Law Firm.
I have filed a complaint with the Oregon Department of Justice fraud department. #395296
I have saved the email correspondence and also copied it to a word document. I am unable to paste in this document at this time.
I was reading my e mail on my I phone and came across an e mail from Esper Law stating that I was going to sued and would have to pay a tremendous amount of money for a payday loan called Quick Payday