RFNA, LP Consumer Loan Complaint

RFNA, LP Consumer loan department,

Installment loan Problems when you are unable to pay Mississippi

In -/-/- I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In -/-/- my now ex girlfriend became -.. In -/-/- I lost my job and it was n't until -/-/- that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in -/-/- we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for -/-/- I believe ... I then contacted them as while they have been sending all these collection notices they have also been


the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for - on - -, - Then in -/-/- I borrowed another - ... They combined the loans and I had been paying - a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for - I have paid in -. - ... I have a balance of - outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling -- times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?