Consumer complaint received 05/29/2015 about Debt collection (Payday loan) with MNE Services, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Heo my name is XXXX I want to file a complaint due to harassment for a debt that has not been Established. After all my debts discharged in chapter XXXX bankruptcy case. I have told told this to themUS FASTCASH SERVICELOAN CATEGORY : ONLINE PAYDAY LOANFile : XXXXXXXXOutstanding Due : $ XXXXXXXXNotice of Legal ProceedingsIt has come to our attention that your account is now SERIOUSLY OVERDUE and this letter is a final demand for payment. We have, as of yet, received no payment towards this account or contact explaining the failure to make payments. If there is a reason why these payments have been withheld we would be obliged if you could contact us in order to either explain the reason or come to some form of payment arrangement. 

If we do not hear from you within the next XXXX hrs we will have no alternative than to commence with further debt collection procedures. This will include instructing out Federal Trade Commission, Credit Bureaus, and Employer etc. 

Court proceedings will be issued within XXXX days from the date of this letter if the account has not been settledApart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 

Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 

Any child support, XXXX, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wo n't be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 

We had already mailed all the hard copies of documents to you, before sending it to Legal department for detailed study. After no response from your side finally we had communicated you through email to inform you about the matter. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means. 

Our intention is not to thread you, it is only an effort from outside to settle this case outside the court. 
We look forward to hearing from you. You can reach us on this email address between XXXX XXXX to XXXX XXXX XXXX Monday to Saturday. 
You can reach us on XXXX XXXXCome back to us ASAP, as the case in hand is time sensitive. 


Best Regards, Attorney Dept|US FAST CASH SERVICE company on XXXX other response that I wanUS FASTCASH SERVICELOAN CATEGORY : ONLINE PAYDAY LOANFile : XXXXXXXXOutstanding Due : $ XXXXXXXXNotice of Legal ProceedingsIt has come to our attention that your account is now SERIOUSLY OVERDUE and this letter is a final demand for payment. We have, as of yet, received no payment towards this account or contact explaining the failure to make payments. If there is a reason why these payments have been withheld we would be obliged if you could contact us in order to either explain the reason or come to some form of payment arrangement. 

If we do not hear from you within the next XXXX

Company response to consumer: Closed with explanation