By far, we get the most inquiries about these bogus payday loan collection agencies. We, at Michigan Consumer Credit Lawyers, are consumer advocates. We represent people who are abused by debt collectors.

Many of these Payday Loan collection companies are off shore and are the sleaziest of the sleaze. Since they operate off shore, they avoid following the federal Fair Debt Collection Practices Act. The FDCPA is a consumer type law that was designed by Congress to protect us from these very sleazy debt collectors.

It appears that the South Dakota Attorney General, Marty Jackely is just getting the word out to his constituents about these Payday Loan cretins. Be aware, however, that these debt collectors that work for the payday loan industry, by and large are scams. Here are some of the techniques they use to collect debts that are owed and even those that re not:

The scammers call consumers repeatedly at their residence and place of employment using false names designed to sound like law enforcement agencies. They attempt to collect payday loans from consumers, but refuse to provide consumers with any details regarding the alleged payday loan and become abusive when questioned. The callers threaten legal action, arrest and in some cases physical violence if the consumer refuses to pay.

In my experience, these scam collectors continue to call until the consumer gets wise and informs them that he knows that the collector is off shore and that there is nothing the collector can do to collect the debt. We, unfortunately, cannot sue he debt collectors because they are not located in the United States. But, again, if you are contacted by one of these sleaze operations, tell them to get lost because you are not going to pay them a dime and there is nothing they can do about it. That should stop the calls.


If you have been the victim of an abuse debt collector or dentity theft, call or email Attorney Gary Nitzkin for a free consultation at [email protected] Call toll free (888) 293-2882. For more information about our law firm, Michigan Consumer Credit Lawyers, visit our website at