Had a Payday loan that was about 3 to 4 yrs ago. I lost my job and this company didn’t want to work with me. I gave up and decided to just to let them do what they would. I was told that it was a loan and all they could do is to file against my credit. Well today I got a letter for the city of Midland courts (Midland, Tx) stating that I have an warrant issued for a hot check. First off I never got a letter stating that someone has turn a check in or even time to get this problem resolved. And the other problem is that they sent it to an address that I haven’t been living at for the last 8 months. I’m looking for a legal way to get this thrown out of court. HELP PLEASE!!!!
For those that think they know the law, here is right out of the state Payday Loan Laws of Texas

Under Texas law, a lender cannot pursue criminal charges to collect on a debt. Also, a payday loan lender is limited as to how many times a loan can be renewed. Currently under Texas law, lenders are allowed to renew a payday loan one time each month.

Nam

Now before you all go saying I am crazy for getting one of these payday loans, with their ridiculous interest rates, etc. I KNOW that already. I generally stay away from these ‘legal loan sharks’ like the plague. However, I am up against it. I MUST have a bill paid or I am in big trouble and I do not have the cash. So I find my only alternative is to turn to one of these lenders. No, I cannot borrow it from anyone, no, I cannot get it off a credit card, so before you suggest alternatives, let me save you the trouble, there are NONE. Here is my problem, though. I live in New York. Payday loans are ILLEGAL in the state of New York as of a couple years ago. However, I managed to get one about a year ago…the company claimed some kind of a loophole. I have already asked a bunch already do you do business in N.Y. and all, so far, have said no, due to the legality of it. However, a lot of states DO allow payday loans..I just happen to be in one of them that doesn’t, but apparently they ARE loopholes. If you are familiar with the payday loan industry, and especially if you live in the state of NY and got one recently, PLEASE tell me from which one you got it from, website address or phone number much appreciated. Thanks.

Makeda