I received a phone call at work completely scared me- said I was charged with 3 charges- from cash advance-  its was a law firm called john morrison they said i was charged with trying to electroncally writing checks and they tried to debit from my account unsuccessfully-  i know this is a completely fraudulant scam-  but they too have my social security number and banking info  what do i do other than contact my bank??  this is internet frau-  I did try and apply for a loan but didnt go through with it- nothing was ever deposited to my account  i need someone advise of what I should do to protect myself-  do I jest ignore completely or do i try and contact  the company is called cash advance the law firm was john morrison and the phone number is 619-320-0434  they said they were going to take me to court  and i did nothing

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LendUp doesn't limit how your cash advance is used. Once you are approved for a cash advance loan amount and you receive those funds, the money is yours. LendUp does encourage responsible use of financial resources, which is why we offer financial education and the LendUp Ladder in eligible states. We want you to succeed financially, so our goal is to help eligible individuals build credit over time. Because of that commitment, we hope that individuals who take cash advances from LendUp use them responsibly.
I just received the same exact call on my job. He said there are some charges being filed against me. I asked for what. He said he is going to read the affidavit and told me not to interrupt him. He had an accent too. He said that I took out a payday loan with Cash Advance USA last year using my US Bank account and that I wrote them bad checks and have closed my account. First of all my US Bank account is just 1 month old...I asked for his name and told him I was going to report him. He said he is going to have the state of California police and my police to come to my job and pick me up in 24 hours then he hung up in my face.  And I know for a fact I haven't taken out a payday loan. That is just crazy that people are trying to scam others.

As you can clearly notice, these criteria do not include high credit scores or any requirements for a security deposit, mortgaging your property or car. The reasons for such minimal requirements start with the legislative conditions for fast loans, where you are not required to have any collateral, or meet any other conditions not listed above. Such schemes allow people with limited financial means to obtain loans fast.


RISE offers quick online cash advance loans for financial emergencies and more. Our cash advances are short- term loans that you pay back over time. RISE has an easy online application process and progress to better rates**. Plus, you can get cash in your account as soon as tomorrow and choose your own terms*. At RISE, we’re committed to helping you build a better financial future: We also offer free access to credit monitoring and financial wellness tools.

This is a popular short term loan where we allow you to borrow some quick money for urgent expenditures before the next paycheck comes in. Normally, cash advances bear higher charges than other forms of traditional loans. However, they also have attractive features that make them a preferred choice for most people. Unlike traditional loans, cash advance america are easy to access, have quick application approvals and fast money deposits to borrower’s account.
Just received this email and I know it is spam because they did not even put my name in the email and if I would owe them anything for sure they would have put my name in the email and even the amount that I supposedly owe. "As we didn't receive your payment so we are going to file this case against you on Tuesday October 10th, 2017 at your district courthouse. To know the courthouse kindly visit http://www.uscourts.gov/court-locator with your zip code. You will be served with a notice to appear at your district courthouse in next seven business days. You can still avoid this case by making a payment towards your total outstanding or else this case file will be executed as mentioned. Regards Manager, Legal Department, Cash Advance USA."

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being approved by a service provider or lender, being offered a loan product with satisfactory rates of terms, nor receiving a loan from a service provider or lender. The lender you are approved by may not offer the best possible terms and borrowers should always compare all available options before making any decisions.

Had pulled out a few online loans that I was in the process of paying down and I received a phone call similar to those listed. A man with an Indian accent left me a message I could not understand but a few words, one of which being lawyer. Stated the same previously stated, that they had tried to pull money via an electronic check and that instead of trying to fight for the money, they closed the account and filed it as a loss. They were in turn deciding to file a lawsuit against me and an affidavit has been filed against me and I had to appear in court. The affidavit had been filed in my local state and I should have been contacted by the sheriff last week. I had not been and had gotten no other notices about this. In my pure panic I didn't ask all the questions I should have the first time around. I got on the phone and started calling courthouses here in Colorado Springs to try and find out when the court date was. Come to find there were no court dates. Was taking the court date seriously because I had missed a court date here for a traffic case and they arrested me and I spent the say in jail. Not a fun day. So, I decided to call the number back and the guy was very unprofessional which raised my suspicions. I started to ask the questions I should have asked the first time around. I asked what company it was, his reply being "Cash Advance USA". I looked back through my papers and that was not the company I had gone through. So then I asked, ok, do you have a case number and a court date? He said, yes, you are to appear in court today at 5:00 pm. I said, wow, ok, where at. He replied San Francisco court. I was like, ok, how does this make sense, you said that the case has been filed in my local state, and I've received no communications about this prior to today and you're telling me you don't have a case number and that I have to appear in San Francisco today. Really? He made some smug remarks and then it got quiet.... and he hung up on me. Thank God for this site and coming across these reports cause I was freaking out. They didn't tell me any information that was personal, account numbers, social or anything like that, but I am still all the same very concerned. The number they called on was 1-213-261-5794. They didn't tell me any amounts that I owed and he did also give me the same, do not interrupt me, you can ask questions after I am done. Anyway, hopefully others don't fall prey to these guys.

All of a sudden I started getting threatening emails from someone stating that if I do not pay an unverified debt that charges would be filed on my name and social security number. I replied back to the individual who emailed me and a demanded that they no longer contact me and that I was submitting a complaint to the CFPB and my Attorney General. They then replied back to me with the name, partial social security number, mailing address, phone number and amount owed of the person they believed to be me. I then sent the email to my Attorney General with my complaint.
Many experts suggest that you contribute 10 percent to 15 percent of your income to a retirement plan. While that's not always realistic, successful savers know to contribute at least what their company will match. If your employer offers to match 3 percent of your income toward retirement savings, you should match that or risk leaving money on the table. Additionally, because contributions to your 401(k) are tax-free, contributing will reduce your overall taxable income. If your employer does not offer a retirement benefit or you're self-employed, consider a traditional IRA or Roth IRA. Research these options and chat with a financial planner about the best plan for you, your budget and your business.
I contacted the FBI in my state closest to me and informed them.   I also contacted the Federal Trade Commision and filed a report with them.     If they keep calling you everyday, then you need to contact these agencies and also another thing I do is since I do not have a home phone anymore, I create a contact call "do not answer" and when I get one of these calls, I add the number to that contact. 
The APR on a short-term loan can vary greatly depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable. See a See a Representative Example
New Mexico: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

I was desperate money. I had applied for a short term loan. They called and asked me what I wanted. I said 2000.00 and they said they would give me 10000.00 something. I was like ok. I went to my bank and there was no deposit from anyone except for my wife's check. They emailed me saying that they're going to make it so I can't get a job. My account will be frozen etc. I contacted the FBI and sent them the email I received from them. So if they are reading this and I hope they are but the FBI is coming. Run and hide.

I was just contact by "Attorney Damon Marshall" He originally left a voice mail on my cell advising that I have criminal charges that were filed against me and the Police would be arriving to my home within the hour to arrest me. I called him immediately, He advised that I took out a payday loan. I inquired about the amount. He told me that he does not work for the collection agency and he does not know how much. I said well how much does it say I owe. He said after all taxes fees and surcharges i owed $700+ I told him that he had to be kidding. I have NEVER taken out a payday loan before in my life. This man had so much of my information that it was a very scary situation. He told me that he would place me on hold to see if the court would settle. As I am on hold with him I begin to Google the phone number as well as "Cash Advance USA" up pops SCAM... I was reading aloud and I dont think he was on the other line but he heard me and became very defensive. Mr. Marshall called me soooo many derogatory name and I could not believe it. Then he hung up in my face. Everyone please beware that this is a complete scam!!!! 
People who set goals for a purchase – whether it's a car, television or family vacation – are more apt to reduce unnecessary spending in pursuit of that goal. While other consumers use credit cards to purchase items they can't afford, effective savers rarely spend money they don't have. The next time you decide to invest in a big purchase, review your budget to see where you can make cuts to allocate more funds toward that goal. You can also boost your income to reach your savings goals quicker by taking on side jobs, such as freelance writing, dog walking or another gig that takes advantage of your marketable skills.
If you are unable to pay your deferred presentment service transaction and have entered into 8 deferred presentment service transactions with any licensee in any 12-month period, state law entitles you to request a repayment of that transaction in installments. We are required to advise you of this option at the time it is available. If you elect this option, you must notify us, either orally or in writing, within 30 days after the maturity date of the deferred presentment transaction in the 12-month period. The notice must be provided to us at our place of business. You may be charged an additional fee when the transaction is rescheduled in installments. You will be ineligible to enter into a deferred presentment service transaction with any licensee during the term of the repayment plan. If we refuse to provide this option under the stipulations above, you should contact the Office of Financial and Insurance Services toll-free at 1-877-999-6442.
Adam West is the Managing Editor for BadCredit.org, where he regularly coordinates with financial experts and industry movers and shakers to report the latest information, news, and advice on topics related to helping subprime borrowers achieve greater financial literacy and improved credit scores. Adam has more than a dozen years of editing, writing, and graphic design experience for award-winning print and online publications, and specializes in the areas of credit scores, subprime financial products and services, and financial education.

1Maximum loan amount is $400 for first-time loan customers.Please note: This is an expensive form of borrowing. Cash Advance Now loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.

NOTICE: This disclosure is being provided to you pursuant to our terms of service with Google®, Inc. It is not required by any federal, state or local law. Our lenders may offer you a loan with an APR between 20% and 300%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above. This is an expensive form of credit. A short term loan should be used for short term financial needs only, not as a long term financial solution. Customers with credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. You are encouraged to consult your state’s consumer information pages to learn more about the risks involved with cash advances. State laws and regulations may be applicable to your payday loan. If you do not pay your loan according to its terms, your lender may: charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency which may negatively affect your credit score, offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.


Notice to Texas and Ohio Customers: In Texas and Ohio, RISE is a Credit Services Organization/Credit Access Business operating in accordance with each state’s applicable Credit Services Organization Act. In Ohio, RISE Credit Service of Ohio, LLC d/b/a RISE is licensed by the Department of Commerce, Division of Financial Institutions Certificate No. CS.900086.000. In Texas, RISE Credit Service of Texas, LLC d/b/a RISE is licensed by the Office of the Consumer Credit Commissioner, License No. 16507-62536. RISE is not the lender or a fiduciary of the lender.
To borrow through the bank you will typically have to gather pay slips, bank statements, or other time-consuming documentation, as well as waiting some time for approval. The MoneyMe way is different – we use secure, fast Proviso technology to obtain 90 days of bank statements online in seconds. Along with your personal details, this is all the information we need to process your loan. You can be assured we will keep all your information safe and secure.

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Please Note: The material on this site is provided for informational purposes only and is not financial advice. Always consult p professional before making any financial decisions.

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