About me

paulmergel

Expert

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Location:

illinois

Hobby:

bowling anything active

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Member since:	Jun 24th 07
Total Posts:	13384
Profile Visits:	11154
Debtcc Points
Earned From Forum:	94901
Earned From Social Answers:	695
Earned From Reference:	0
Earned From Moderation:	3140
Total Earned:	98737
Contributions
Replies in Forum:	100
Answers Edited:	92
Questions Answered:	272
Threads started in Forum:	102
Threads replied in Forum:	6803
Number of Friends:	33

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Recent messages

3rd February 2012

Anonymous said:

Hi Paul,

You were a lot of help in my "PDL quicksand" thread, thanks again. So a collections agent from Lakota Cash finally responded to my email and said that I owe $810 ($600 principal, $180 interest, $30 for telling them I put a block payment on my account?). She also referred me to this part of the loan document which I signed:

"This Loan Contract is subject solely to the exclusive laws and jurisdiction of the Cheyenne River Sioux Tribe, Cheyenne River Indian Reservation. By utilizing our website, you are conducting business on the Cheyenne River Indian Reservation, and subjecting yourself exclusively to the laws and jurisdiction of the Cheyenne River Sioux Tribe, a sovereign Native American Nation. By executing this Loan Contract, you, the borrower, hereby acknowledge and consent to be bound to the terms of this Loan Contract, consent to the sole subject matter and personal jurisdiction of the Cheyenne River Sioux Tribal Court, and further agree that no other state or federal law or regulation shall apply to this Loan Contract, its enforcement or interpretation.

In this Consumer Loan Agreement (hereinafter, the "Loan Agreement,") the words "you" and "your" mean the borrower who has electronically signed it. The words "we," "us," "our" and "Lender" mean Payday Financial, LLC, a lender organized under and authorized by the laws of the Cheyenne River Sioux Tribe and Indian Commerce Clause of the Constitution of the United States of America."

How legit is this, and what should I say in response?

28th January 2012

Anonymous said:

I have been reading some of your threads and commend you on your supportive advice and pretty good on swimming lessons for Online PDL victims (ME!). I live in NC and have 3 Online PDL and all I can do is give them interest and that money that they keep getting is causing me to get final notices on Power, Water, Gas, ect.....If you choose to shoot me, make sure you use blanks!

16th January 2012

Anonymous said:

16th January 2012

Anonymous said:

16th January 2012

Anonymous said:

16th January 2012

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6th January 2012

Anonymous said:

hey ppl, wanted to get your opinion on something......VIP cash/qloot/dma, you've heard of them, as i read alot of your answers on the forum. I live in ky, a state they are not licensed in. I was approved for a loan today. when they deposit the money, i was thinking of drawing it out and switching banks the same day. see how they like it when ppl take unearned money from them. a taste of their own medicine so to speak. im usually an honest guy, but the way i see it, they got it coming??? You seem super intelligent, whats your opinion??

4th January 2012

Anonymous said:

Hi, I receive a collection letter mailed from CA from "S&S Recovery Services", address: P.O.Box 1390, Brentwood CA, 94513. Tel. 877-877-0327. I googled the name and ph number but nothing comes up with that name or ph number. The letter is not signed by anyone, just has the name of the company and is trying to collect money (2K, which is a lot of money) noting that the original creditor is Loanpointusa Centurion Funding and below it, some other name, Creditor : SKW Capital LLC. Too many creditors? Should I send a Validation and Verification letter request at their PO box? Is this a real company? I can't find a physical address.

12th December 2011

Anonymous said:

Hi. I accepted Blue Ridge Law group offer which my first deduction starts Dec 9, 2011. I have time to cancel. Can you please help me I have 6 payday loans and owe $2400 Plus fees and Interest.

1) 1. VIPLaonSHP 2. $700 3. $210 4. Internet theviploanshop.com 5. Maryland

2) 1. 123wages.com 2. $200 3. $315.00 (210 but first debit was 105 - 50% off. 4. internet 123wages.com 5. Maryland

3) 1. USFastCash 2. $400 3. $120.00 4. Internet 5. Maryland

4) 1. Horizon Opportunities 2. $300 3. $93.00 4. Internet 5. Maryland

5) 1. ExpressMoneyLine 2. $300 3. $93.00 4. Internet 5. Maryland

6) 1. AALM8005579038 2. $500 3. $150.00 4. Internet 5. Maryland

Answered on 12:37 pm Dec 5th 2011

Renard Alexander

14th November 2011

Anonymous said:

Paul,

I'm a victim of Rosenthal Stein & Associates (shows up as RSA Atlanta Gaus on bank statements) Are these people really frauds? How can I verify if they are a legit collection agency or not? Please advise...