Hey everyone,

About six months ago I took out a payday loan through Cash Net USA. I was unable to pay the debt off entirely and am on the line for 611.63. Since I defaulted on the loan, they have transferred my debt to National Credit Adjusters.

On April 7, 2010 a woman from NCA contacted me at work. I immediately indormed her I could not accept personal phone calls at work. I gave her an alternative number to contact me at. She called my alternative number the next day, but I was at work and could not answer my phone. After she didn’t reach me at my personal line, she called my work. I wasn’t able to answer as I was not near my phone, but we have shared lines and my coworker had answered the call.

I reported the company to the FTC as well as my state attorney for them breaking the Fair Debt Collections Act. I didn’t receive a phone call for almost two weeks on either my cell phone or work phone.

Today, a man in the “legal” department called me at work. I again informed him I could not take personal phone calls at work. He asked me when I would be available to speak with him and I told him tomorrow before 4pm. He said he needed to talk today and said for my lawyer to call him today.

I am wanting to know where I go from here. I want to pay on the debt but may not be able to for a little longer, but if they break the law I want to make sure they are held accountable just as much as I can be. What advice do you have for going forward? Thanks.