I took out a payday loan about 5 years ago...once it was paid they kept taking money out of my account and the bank told me to close my acco...

Question

I took out a payday loan about 5 years ago...once it was paid they kept taking money out of my account and the bank told me to close my account and reopen a new one so I did....well i guess when they went to take more money it came back that either there were insufficient funds or the account was close....they got ahold of me today and said that they are taking me to court for writing a fraudulent check and breech of contract. I never wrote them a check and i feel i fullfilled my part of the contract they are saying that i still owe fees. I don't have any money to pay them i am on unemployement not sure what to do

Answer

I do not know when you last paid, but if it was more than 4 years ago, any possible statute of limitations has expired if you took this out in PA.

Even if it has not, they cannot sue. Their threats of "taking you to court" are a joke. If they want to sue you civilly, they will need a PA attorney. However, this is like a gambling casino trying to sue where a gambler does not pay his debts. Sure, they could sue in theory, but gambling is illegal so they don't. Kind of the same thing with payday lenders. Only lenders who are registered with the state are permitted and I am sure this place is not registered.

I don't see any criminality here, so I would not be afraid of any threats about alleged fraudulent checks. .

Contact the PA attorney general and file a complaint.

What is a product differentiation in economics?

What is a product differentiation in economics?
product differentiation refers to the process of differentiating your product from those of your rivals through adding value to your products.
for differentiated products sellers will be able to charge a premium price due to their uniqueness and high quality along with high value

How often does oil need topping up?

How often does oil need topping up?
Only when it is down to the add line on the dipstick. On a new car that could be never (oil change time before you need to add), on some trucks I've driven it was daily. Get to know your car, start by check the oil every 1000 miles, if it is all set, move up to 2000 miles, if it is low, top it off and check sooner next time.

What are the consequences for getting in an accident without a licensed driver in the car when you just have a learners permit in California?

What are the consequences for getting in an accident without a licensed driver in the car when you just have a learners permit in California?
After your parents beat the crap out of you, you go to prison for a few years and get locked up with a big huge gay guy who falls in love with you.

My brother is on ssdi and has only worked 5 years of his life. Hes telling me that when our parents die Im going to have to take credit for ...

Question

My brother is on ssdi and has only worked 5 years of his life. Hes telling me that when our parents die Im going to have to take credit for all the money but still give him his share. Something about he would lose his ssdi if I dont say all the money is mine? Is this true?

Answer

Many people are confused about the kind of SS benefit they receive. SSDI & SSI are different.

If your brother is getting SSDI (Social Security Disability Insurance), he can have other assets and money. So he can take his share of the estate.

If, however, he gets SSI (Supplemental Security Income), he is NOT allowed to have other 'resources' (cash and assets, with a few exceptions) So whether he gets 'his share' from the estate or from you, it is still counted as a resource. And his SSI will be diminished or stopped.

If you give him money and he does not tell the SSA and SSA finds out, it will declare an overpayment and demand a refund of the SSI money. It may investigate him for fraud because he has a legal obligation to tell the SSA about any and all resources. If you pay his bills instead of giving him money directly - it is still a countable resource.

You need to talk to an estate planning attorney ASAP to learn how his 'share' of the estate can be protected and to what extent.

What are competitors?

What are competitors?
an opponent in a commercial market

Which company has the tag line Made for each other?

Which company has the tag line Made for each other?
Its CEAT tyres