Question about can I be sued because a person used my name as a reference on a payday loans :
I had a friend who I think used my name as a reference on a payday loans and I don’t think she ever repaid the loan. Well the other day I received a call from someone with a very heavy accent so I could not understand them very well but what I did take away from that was somehow there was a lawsuit being filed against me. I don’t understand how this is even possible because I had no idea she was using my name.
I know I have never taken out a payday loans before so how do I find out if it is legitimate or not? I have a case number but I cannot find out anything about it… then again I do not know if I was doing something wrong… what do I do?
Answer about can I be sued because a person used my name as a reference on a payday loans :
No…..only a cosigner can be sued.
How to stop collection agency harassment for a debt that is not yours:
You’re going to have to find out the name and address of the collection agencies(s) that are calling you. Send the collection agency a letter via Certified
Mail + Return Receipt (do not use regular mail) stating:
Per the Fair Debt Collection Practices Act, I am requesting that you cease all communications with me about this alleged debt. This is not my debt. This letter is being time stamped via Certified Mail and I can confirm receipt. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations
Next time they call, read the following statement:
Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.
source here.
