In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps.
If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
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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 of 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. Question: I live in California. In early January I got one of those installment loans that was approved because I have a car. Something about boi personal loan top up title type loan (The car is not paid off and the bank has the title) Then in mid January 2015, same month, I had to file bankruptcy because a creditor was sueing me and my checks were going to be garnished.