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Posted: Tue Aug 02, 2005 7:10 am Subject: Pay Day Advances

I have 5 payday advances, from 5 differnt companies, totalling about $3600, and cannot afford to pay them, let alone the finance charges which are due ASAP. Crying or Very sad

I know the evil that lies with payday advances, but at the time I took them they were my only option and now, I am struggling to pay just the finance charges and keep rolling them over every two weeks, which is getting me nowhere. Can your company help me to consolidate these loans? I am desperate to get myself out of this situation!
Thanks
Kristen

Guest · Posted: Tue Aug 02, 2005 7:47 am Subject: Re: Pay Day Advances

Hey Kristen,

Definitely this site can help you. I am in the same boat and I just filled out the free consultation form and they put me in touch with a group that will try and negotiate your loans down and settle the amounts without the big finance charges that you are paying. The group I am working only works on contingency and the fee you pay them is very reasonable. Hope this helps.

Posted: Tue Aug 02, 2005 7:48 am Subject: Re: Pay Day Advances

Hey Kristen,

Definitely this site can help you. I am in the same boat and I just filled out the free consultation form and they put me in touch with a group that will try and negotiate your loans down and settle the amounts without the big finance charges that you are paying. The group I am working only works on contingency and the fee you pay them is very reasonable. Hope this helps.

Posted: Tue Aug 02, 2005 8:05 am Subject:

Does anyone know if a debt consolidation company has has success in dealing with Ellis Crosby?

Posted: Tue Aug 02, 2005 8:18 am Subject:

VWH-
Were the companies that you had loans with willing to work with debt consolidation? I am worried that the companies that I have my loans with, wont and that I will end up really screwed!
Thanks
KRisten

Posted: Tue Aug 02, 2005 8:26 am Subject:

The guy I am working with specializes in working with payday loans companies. I got their contact info through this website. I would stop paying on the loans. You can call the bank and have them put a stop on the debits. This website can help you with finding a good debt settlement company to work with. As far as the Payday loan companies working with you, most want their money or part of their money back so they will work with you.

Posted: Tue Aug 02, 2005 8:29 am Subject: Payday Loans

Are you allowed to give us the name whom you're working with?

Posted: Tue Aug 02, 2005 9:45 am Subject:

I figured the payday companies would work with you...but what about Ellis Crosby and Associates...has anyone had any success in dealing with them on consolidation?

Guest · Posted: Tue Aug 02, 2005 9:57 am Subject:

i do not think anyone has had any luck in dealing with them, they are so demanding and use the wrong tactics to talk to people. They threaten and demand until people like me just say SCREW IT, You wont get a payment at all. I refuse to pay people that act like that.

I am thinking of calling the payday loan people and telling them i will pay them and i will not pay Ellis and crosby due to their actions. And then see what they say. If they want their money they should accept

Posted: Tue Aug 02, 2005 10:01 am Subject:

I tried talking to one of the payday companies...they wouldnt even talk to me other than to say they had sold the account. The other company that Ellis is calling about I don't even know who they are. I don't recall taking a loan from them. It is JVC processing.

Posted: Tue Aug 02, 2005 10:05 am Subject:

And what happens if you refuse to pay them? I don't want them garnishing my wages or continuing to call me. Also I don't want to pay the high charges they are charging me.

Posted: Tue Aug 02, 2005 10:49 am Subject:

mdow315 - It is obvious that since Ellis Crosby is undergoing legal surveillance, the company does not have any right to take legal action against the consumers during the time period.

I will suggest you to deal with your creditors directly if your account is not sold to the collection agency. Most probably, they will be willing to help you because they themselves are interested in recovering their money from you.

Regards
Roxette

Posted: Tue Aug 02, 2005 10:56 am Subject: Re: Payday Loans

They are BHR Associates. I was put in touch with them through United Christian Financial who contacted me from filling out a consultation form on this website.

Posted: Tue Aug 02, 2005 10:58 am Subject:

Thanks Roxette. One of the accounts is sold I know because I called them and they wouldn't even talk to me about it. The other that Ellis is calling about and they say I owe $800 I've never even heard of them. I'm not saying that they aren't a processing company for a payday loan I have...but I really thought I had paid the payday loans I had other than the one that Ellis has now. They are JVC processing so if anyone has their contact information I would appreciate it. Also, I talked with ACA International and they told me that Ellis was just on susoension from thier organization not from collecting all together...so can they collect during this time? If I owe it I want to pay it and get it over with but if I don't I want them to leave me alone. I've requested validation from Ellis and they quite quickly informed me they were not a collection agency and that they didn't have to discuss the validity of the debt with me. I alos talked with Summer Saladino with the Attorney General of Florida...she told me they should have to supply the information I've asked for. So I'm kinda at a loss as to what to do. Any suggestions from anyone?
Again if anyone has the contact info for JVC processing I really would appreciate it. Thank you in advance.

Posted: Tue Aug 02, 2005 12:30 pm Subject:

Hi mdow315

The best thing to do at this point of time for you is to relax for some time. Meanwhile, you can pull your latest credit report from all the three bureaus to know the exact standing of your accounts.

Many more like you are at a fix by the havoc created by Ellis Crosby personals. Let some time roll by and see how things will shape up like. By the way, Ellis suspension is for a period of 90 days, starting from June 01 till Sept 01.

As you have asked for, JVC Processing is located at 401 East 34th Street, NY, NY 10016

Regards
Roxette

Posted: Tue Aug 02, 2005 12:38 pm Subject:

Roxette,
Thank you for your help here. I don't mean to be a nuisance but and this is a question here......from what I understand from ACA is that they can still collect and continue businessas normal...is that not correct? They told me they were only suspended from their organization and it had no bearing on their ability to collect? Even if it does, I can't have them calling me at work all the time...so once again how should I handle this? Sorry for asking so many questions I really just don't know what to do.

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