Alaska Online Business Licensing
How do I find out if a company has an Alaska Business License? They are out of state!?
I took out a payday loan online a little over a year ago. I have not been able to pay them back for it. Then I find out that they didn’t even have a business license to operate in the State of Alaska. My employer tells me they can’t and shouldn’t be harrassing me, but they call me at work EVERYDAY! I have repeatedly told them I am going to lose my job if they don’t stop, and all I get from them is this is your contact information, and “we’re” just trying to help. I hang up every time. I know that I owe them, but I can’t afford to lose my job!
Here’s a good website with some tools for you: http://www.fair-debt-collection.com/index.html.
Next, I suggest you file a complaint with the state attorney general: http://www.law.state.ak.us/department/civil/consumer/cpindex.html.
The state attorney general’s office won’t be able to offer you further legal advice, so it might also be a good idea to speak with an attorney. You can probably find one who will offer you a free, brief consultation over the phone. If this company issued you a loan without a proper business license, it might be possible to have the debt wiped out — ask the lawyer.
Then you’ll need to monitor your credit report to make sure this company doesn’t put something on there. They might have already put something on there about your debt being delinquent. If they’re unable to collect, they might record it as “charged off,” which is not good for your credit rating. Best of luck to you. I know how frustrating this situation can be.
The Online Gamer 5