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I mention I filed chapter in 2014. They said they pulled my bankruptcy file and I did not mention their company on it. They threaten to sue me for fraud and check theft. Also, they will send summons from sheriff department for garnishment of my wages.
Can they do this. Tanya, if you'll read the article above again, you'll see that what they are threatening you with is typical of what they do. Now about the fact (if true) that you didn't list them as a creditor in your Chapter 7 filing, in California that debt is eliminated anyway (assuming that the rest a personal loan with cosigner your creditors got nothing from your bankruptcy).
If you don't live in California, you'll have to check with a bankruptcy attorney in your state about that issue. In any event, you should be asking your own bankruptcy attorney about this because heshe knows the details of your bankruptcy.
Spotloan gives you a clear payment schedule with a clear payoff date upfront. They don't want you to wallow in a permanent mire of never-ending interest. They want to help you with a short-term solution, not a long-term trap. Absolutely one of the BEST lenders I have ever worked with, including mainstream lenders. Highly recommended.
Thanks for believing in us. You guys are making one little girl super happy. She now gets her new school clothes.