Need help!!

Have 12 payday loans

Payday ok $500 + interest have been renew and increaseing since 7/31/2003 Need help with this one!!

Payday select $500+ interest interest have been renew and increaseing since 1/16/2006 need help!!

Zip cash $250 + 75 interest off and on for awhile contacted today and work a settlement with them under New Mexico law. But I am in Oklahoma.Need Help!!

Sonic cash 500 + 100 interest need help!!
Usapaydayloan--300 +90 interest worked an agreement today under new mexico law in Oklahoma. Need help
1000-easy-payday-loan 300+90 interest need help
Fast-Cash-Personal-Loans---350+ 105 interest need help!!
NATIONWIDECASH 400+100 INTEREST tried to enter into agreement with them today quote New mexico law and still wouldnt TalkED to LYNNE but from what i read here they all fall under Oklahoma Law.

Fsm processing 350 + 105 interest will be paid tomorrow but i think they over charged
Pay check today 300 + 90 in interest will be payed tomorrow over payed according to Oklahoma Law
have 2 more with store fronts in town.

At my ends, have used all my 401k, close to losing my house.

need advice on these
Have used many many more internet payday loan companys
in Oklahoma the charge is 15 per 100 and you can only have 2 loans. Can I get a refund from the paid off loans? Can I get a Copy of the letter to send to some of these companies? Will it help?

Thank You

shawricky---have you spoken yet to one of the debt counselors from when you registered on this site? About the overpayment--I don't know to much about this but I was able to negotiate a refund with a pdl because I overpaid and they were operating illegally in my state. Search the forums here (search button on left) and you will find lots of threads about this very subject.

I have looked through alot of the threads, just signed up early tonight hopefully i will get a call tomorrow.

Update
down to four pdls
apple waiting on reply
just sent rio the letter
2 store fronts in town

payday ok settled and will refund
paydayselect settled and will refund
sonic cash -- settled
nationwide paid off
paycheck today paid off
fsm paid off
zip cash - work out payment arragements
usapayday - pay arragements
1 of the 2 store fronts will be paid on the 1st
only been at this a week
went from 12 to 4 maybe less crossing my fingers on rios and apple
and who know maybe the refund from paydays will be engough to pay the other store front.

Wow congratulations on the progress you've made in ONE WEEK! That is awesome. Doesn't it feel great to not have to worry anymore! Good job!!

I wish the state of Wisconsin had laws that would allow me to get some refunds. I looked at the Wisconsin laws and they don't have limits on anything for PDL'S. But one good thing I do have on my side that no other state has is CHAPTER 128. Just incase anybody wants to know what this is here is a link.

chapter128trustee.com/what.htm

Link made inactive as per forum rules - Mike

Sounds like a good thing, I would definitely go for it if I were you!

Wow - that sounds like a state taking action! While it would not be good for companies that are in this business if it became wide spread... wouldn't it still be a victory for everyone?

I'm all for states taking action to help the little people - I'm dealing with a state with absolutely NO renters rights and wish they would take some action in that area

It is a pretty neat thing, and it's something I can use to threaten my creditors with if they don't accept my payment arrangements. Interesting things is that I was made aware of it by my credit counselor from conolidation program I'm going through.

shawricky,
Your success is worth bragging about. What an excellent job you have done in just 1 week. AMAZING. I bet you find it a little easier to sleep at night too, huh? Good luck to you and all that your future holds, oh and by the way....NO MORE PAYDAY LOANS

Thank you, stephanie after nationwide refused to enter a payment plan and called and harrassed me at work. I knew I had to do something and thanks to the people of the board and all the info.

So I'm curious, how did you deal with nationwide then? I know lots of people here have horror stories about them and I'm curious how you dealt with them? I paid them off through T&C.

Shawricky, Could you please get me the address for USA Payday. I took out a loan with them over internet and it was for 400.00 so far I have overpaid by 1200.00 need to contact these people. HELP. Thanks KYSIDE