What happens if I don't pay the payday loans

They should if they are CFSA members. Tell us the name of the storefronts.

I would like very much to make an extended payment arrangement before my loans come due again. I was just wandering if I needed to speak to store manager or owner or will the regular employees know how to make such an arrangement? I really appreciate the advise I can't afford to hire someone to negotiate a payoff on these and so must handle this myself. Thank You Sooo Much!

Check n Go, I know is. Ace Cash Express ?, Texas Title and Payday Loan ?, The Cash Store ?

I believe all those are registered CSOs in Texas.

Call them and inquire about the EPP.

I talked to the KY financial people and they said that they cannot even garnish my wages unless we go to court and since they are illegal they cannot take me to court... cool abyss thank you so much for your help if it was not for you i probably would have given in to these people and would have lost 5 grand THANK YOU SO MUCH!

Melinda

You Are Very Welcome Melindakor1231 !!

If you need anything else just ask and we will try our best to help you

I have a few payday loans, I got the loans on a bank account where I was just secondary on the account. The loan companies did not get the account holders signature. Account holder decided to kick me out and closed the account, bank says I have no recourse as I was not the owner of the account. What can I do about the loans? I don't have a bank account of my own and don't have money to pay as I have been kicked out.

Please list the loan companies.

the cash store, quick cash,ace express all are in Dallas,Tx

Ok these are all storefronts correct?

yes they are,I am using a friends computer as I don't have internet access, my friend turned me on to this site

and my friend says I can stay her until payday loans goons start looking for me to collect, sorry not funny, just trying to stay upbeat its been a crappy year for me

Ok well those stroefronts registered as CSOs in Texas. Which means they are Legal and can take you to small claims court for the balance owed.

You can try going to each store and speak to the manager explaining the situation. Since you have no bank account you can maybe set up a small repayment plan untill the loan is paid off.

If that does not work google their corporate headquaters of each store. Speak to a representative their and see what your options are.

I live in Texas and I owe $600 with $120 fees another on for $300 with $60 fees. I have been paying the fees for about 5 months and I can't continue anymore. I will never finish paying them off. I got the loan in store. Speedy cash. can they take me to court.

Yes, they are Legal in Texas.

You may be able to go into both stores and request and extended payment plan. Speedy cash is a member of the CFSA which allows the EPP. You can find out more about the EPP here.


You listed Speedy Cash. What is the name of the other PDL company. You can check to see if they are CFSA members HERE.

These stores are everywhere in Texas, they prey on low income people and get away with USERY! You can force them to settle, I had four storefront loans, I was very foolish and blame myself, I payed them as long as I could but hit a brick wall when I had a sudden car repair. I called the Texas AG and was told although loans are legal it is not illegal to close bank account and force loan companies to settle for reasonable payoff of debt, I also however checked with the county hot check dept. to be assured I could not be prosecuted. I closed the account the stores called and I was able to set up repayment of all loans. Be Cool.