I recently got a phone call saying that I was going to be taken to court and or arrested cause I didn't pay a cash advance load back

the funny thing is that I never got any money deposited into my bank of america account and the man said that they have proof of this from january 2008. I didn't even open my checking account until march 2008 and I would've known if there was money into my bank

Besides I never signed or agreed to terms with this cash loan place and usually you have to fax something to them

So what gives?? Can anyone tell me if this might be a scam and that I shouldn't worry about this
they also told me I could lose my job

Also when I spoke to this person he was foreign and I couldn't understand him
To answer the last comment first, keep calling back until you get an American accent on the phone. Ask the person who answers if they are in India, then hang up if they say yes. They talk your ears off.

This is not a scam if you had a cash advance from a credit card or a credit line, even a long time ago. It has nothing to do with a regular bank account. When they call again, be sure to ask for some documentation in writing from January, 2008. They are collection agents and they will say all kinds of B.S. to get money from you.

Tell them to send you proof in writing. They probably won't, but don't agree to any repayments and don't get into a conversation on the phone. Just hang up after you insist on proof. Just get documentation that this is your debt.

If this wasn't a cash advance on your credit cards, all I can think of is you may have an overdraft at your previous bank. check your credit card accounts and see if you had a cash advance.
They might have the wrong person. It is also possible that someone stole your credit card number and got a cash advance.
If you *know* that your bank account is after the date in question.
If you *know* that you didn't take such a loan.

Then ignore it.

Even if the debt is legit, all they can do is sue you and produce proof in court. You can't be arrested over a bad debt.
If you know you didn't sign a thing, then it's a BIG SCAM!

If they threaten you, and they're out of the state, get the FBI involved so they can go after those people.

Provide with all the information you have, including emails, phone # etc.
it's a scam!! even if you owed money to someone they can't put you in jail for not paying?? they did away with that years ago!!
Of course it's a scam. You can't be arrested for debt.
of course it is. they are trying to get your bank info. if it was true you would have gotten letters in the mail from collection agencies
Honestly its not in your best interest and it can be a lot of interest payments. But if you need one you need one. Best of luck.
This is a scam. Not paying a debt is not a criminal matter.
There is a very slim chance that it's a case of stolen identity. Ask for details about what account this was deposited into (account and transit number), exact amount, exact date so you can confirm with your bank. I shudder to think someone could have stolen your identity, made an account at a different bank, got the money transferred and run.

You can't lose your job, but I wouldn't brush this off as a scam until you get a bit more information. Tell them you're eager to resolve the issue, but need the information first (which you do to straighten this mess out). If they don't want to provide that information then tell them to take it to the police. They will have to provide these details to police as well, and if they didn't want to give them to you, you can bet they don't exist and they're not going to take it up with the police.

I really do think it's a scam, but on the off chance it's a legitimate collections agency you don't want to write them off completely just yet.

What is a good software that protects against identity theft?
if you are looking for the best identity theft protection service, check out this site

http://best-identity-theft-protection.net

They provide the best service in usa, and you can get your 3 in 1 free credit report.

Hope this help,
Sorry - the best "software" is your own mind. Don't be giving out financial information over the internet or the phone. If you need a software package for a online merchandising - then you need to ask for that.

Any tips at all would help. Creams, Specific exercises, vitamins, supplements, etc. I heard that massaging the area where cellulite is can help increase blood flow. Any suggestions or rec commendations for treatments? I'm mostly looking for creams or lotions that actually work.
If you are looking the best cellulite treatment, check out this site

http://best-cellulite-solution.com

Hope this help,

i want to know about this company.and its basically from..????????

full meaning of dhl..
DHL Express, stands for Dalsey, Hillblom and Lynn. DHL is a division of Deutsche Post which comes from Germany. DHL and Deutsche Post at one time where separate companies and then Deutsche Post bought shares of DHL and eventually became one. According to this address: http://www.businessweek.com/globalbiz/content/nov2008/gb20081110_975682.htm?chan=top news_top news index - temp_news analysis , Business Week said back in November of last year that DHL was pulling out of the United States and laying off the majority of their workers. What does that mean? It means thousands of US citizens out of work. I have noticed that I have not seen many DHL trucks around anymore around here. Hope this helps you out.
http://en.wikipedia.org/wiki/DHL_Express

are FREE adn give points for cash or give cash awards for taking surveys? The cash doesn't have to be $100.00 or something. So far, I know of Lightspeedpanel. Anyone know a site just as good or even better?
Here is a comprehensive list of many legitimate, free, paying survey sites. I personally use all of these and get paid! By paying - I mean cash, paypal, gift certificates and prizes. NOT sweepstakes and entries into drawings. I feel like those are a waste of time since your chances of winning are so small that you are basically doing surveys for free.

http://pages.suddenlink.net/legit-paid-surveys

Might ask about Sommelier Weeky.

Oh, that was sooooo bad. :-/

Just like to see what people think. I personally think they seem cult like. I'm building my own business too, but I don't relentlessly try to recruit or sell to my parents and friends.
They're a solid, A rated insurance company, that focuses on term insurance, and multi-level marketing.

They are a bit pricey, if you compare rates for similar products.

You can find people to badmouth just about ANY insurance company. None of 'em are exempt from that. Nature of the beast, I suppose.

As to seeming 'cult like', you can attribute that to the multi level marketing setup. Ever worked for Amway? Same thing.
Primerica is owned by CitiGroup. CitiGroup was one of the worst hit banks from the financial crisis. Primerica is a network marketing business (glorified pyramid scheme). If you want to recruit people for Primerica and sell life insurance policies then go for it. Most people prefer a more "normal" job. But, if you believe in it, you are hardworking, you can be successful with Primerica.. just most people arent..
I agree with Greg - they are a pyramid scheme.

I went to a meeting a few months ago, they were all so excited, everything sounded great, I am rather pessimistic so I played along, until they wanted me to give them the names, addresses and phone numbers of at least 10 family or friends.
Prime America uses poorly trained sales reps selling mediocre to very poor product. A sure way to put their clients in a horrible financial situation.

Our landlady is a b*tch. We have been here 3 years and she has been difficult since we moved in. We have stayed this long because our kids go to school close by and I loathe moving. Anyway, she recently had a large flooring job done on the house. The job was botched badly so she finally had repairs started earlier this week. She had been to the house about 2 weeks ago, had seen that the flooring was horrible and had informed me of what she would be doing to repair it including replacing some tile around the baseboard to match the new flooring. I asked Mr. Handyman Idiot about the replacing and got an entirely different answer than what slumlord landlady had given me. I questioned her about it via email and she told me she would deal with handyman moron and that I didn't need to. Fine, I can't stand his *ss anyway. So, 10 minutes after that email, I get another one stating that she has changed her mind and that the floors would stay as is and not be repaired. This is AFTER these guys had started on the repairs and there was some torn up places and their tools and materials are strewn across my living room. Everything is still there as of today (2 days later) and I have had no indications of the materials being picked up. Should I inform the landlady that these were left here or should I assume that handyman moron knows they are here and just put them out in the driveway? Thanks!
Whatever you do, please do not place the tools or any of the other stuff left by the individuals that worked on the floor.

If something is stolen then you could be sued by these individuals for placing their stuff in an unsafe, unsecured place.

You should call your landlord, the handymen that left their tools and tell them that they need to pick them up or you will put them in storage at their expense.

For legal and tax matters you should always contact your attorney and tax consultant.

I hope this has been of some benefit to you, good luck.

"FIGHT ON"
Yep. You call the landlady and tell her you want the materials and tools removed pronto or you will be delivering them to her place personally.

Better still, call the moron handyman yourself.

Don't put the tools out in the driveway. If they are stolen you will be up the creek without a paddle. Good luck. Sounds like you have the landlady from h*ll.

Addendum:

You do not need to walk on egg shells with this landlady. Get your hands on the Residential Tenancy Act for your area and familiarize yourself with it. It is there to protect both the landlord AND THE TENANT. She cannot evict you without cause and you have some serious recourse if she harasses you in any way. There are very specific reasons for evicting a tenant. Even if your rent is late and you are served with an eviction notice but you made good on the rent within a prescribed time she would be bound in most regions to rescind the eviction notice.

While she could attempt to get rid of you by saying she wants the property for her own personal use she would be bound by that. If she got rid of you and immediately got in a new tenant she would be up the creek big time! She will not try it if she's smart.

Also remember that eviction notices can be contested. That is the last thing she will try to do. Tenants cannot be evicted because the landlord is ticked off with them.

You are paying your hard earned money in the form of rent. Multiply the past 3 years by your monthly rent and you have faithfully paid thousands and thousands of dollars into her bank account- and always on time! That is a huge plus in her favor given the kind of dead beats she could end up with. She is not about to end those regular monthly payments into her bank account or take a chance on rent skippers. You do not need to be confrontational but you also don't need to kiss her you know what. Good luck. It's got to be tough.

She is bound by the Residential Tenancy Act. It is the law!

I went to community college after high school for 2 1/2 years but didn't accomplish anything important, as I went through a rough patch in life, only took classes I would enjoy (art history, anthropology, womens health, etc) and failed, barely passed or dropped out of the classes that I needed for an AA.
Needless to say I am kicking myself for doing this, but still don't know what I'd like to do even if I went back to school. Pastry school has always been an interest of mine, but it's too expensive and isn't an in demand career. I've worked in retail and restaurants so have some customer service skills, but am not a very public oriented person, and would rather not be in a career where I have to kiss *** all day or can work pretty much on my own. Also, I don't have many hobbies or interests in my personal life that I could possibly persue in a career. If it were my choice, I'd love to be a housewife for the rest of my life, but it isn't an option as we need a second income, and I don't want a job in retail again either. It would also help if I had some inspiration or motivation I guess.

Any ideas or advice? Thank you.
I'll give you the advice my father gave me. Pick something that you love to do. That way, if your personal life goes up a creek, then you will still have a satisfying career to fall back on.
It sounds like you need extra money coming in to the household but you really don't want to work. You can flounder around looking for your "true calling" or you can get a job with anyone that will hire you, based on your past job experience.

One thing you could do is go to work for a cleaning company. The hours are usually at night so most of your days would be free and you don't deal with people at all. For more money, you could do it as a self-employed free lancer for about $20 an hour but you would have to advertise your services and the money wouldn't be as dependable.

Your motivation for any job is that your family needs the money!! : /

I want to trade-in my car for a new one. My car is worth about 4k
There are plenty of places that offer quick loans for people with bad credit with no-hassle applications and easy requirements.

I've bookmarked this site to go back to next time I need a loan…

http://www.knowledged.info/go.php?link=auto

Good Luck.
Usually you can go to a dealer and they can finance virtually anyone. The issue you will need to determine is what you can afford to pay and then determine what kind of car the dealer will be able to finance for you. With bad credit you may need to try multiple dealers but this will be easy. Otherwise there are some companies on the internet but they are hit and miss and may cost you too much up front. I hope this helps but it is a good way to start rebuilding your credit. Good luck
You will need to have a cosigner, my husband tried to get a loan on a truck for 5000.00 and we were going to pay half down in cash but they still said without a cosigner they couldn't help him.
What state are you in??

Example: Tennessee - west, middle, or east??