California  |  Credit and Debt Law

Legal Question

Asked on: 3/16/09, 5:43 pm

Personal Loan Rights

I have an outstanding loan debt with a former employer for $5,000 of which I have paid $4,500 towards the loan (no interest). The loan was designed to be paid monthly in $300 increments. I have been late once and currently struggling to make the final payment of $500. I have reached out to him and have made it clear that I intend to pay, there is no doubt that I owe. My question surrounds harassment and what he is allowed to threaten. He has threatened to call my boss and garnish wages from me he has also asked a family member (a former employer at the same firm) to have him pay off the loan so he does not have to worry about it. He has written to my email at work although I have told him write to my gmail account. I would like to know my rights as far as harassment is concerned and what he potentially can do to me to recoup the loan -small claims, extra money in the way of damages etc...

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