Payday Loan Legal help in NY?

This is my first day after closing my checking account and all the calls are coming in. Ann from Speedy has already tried to contacted the business office at my job. I'm beginning to panic. I don't have all the addresses yet. It will take me several days to get letters out. I think I may have to contact a lawyer. My nerves can't take any more. Does anyone have any idea how much that would cost? I found someone from the National Association of Consumer Advocates who is close to me. Please give me some advice. Mine are all internet loans.

I have 7 Payday loans and I live in New York. Here is

have 7 Payday loans and I live in New York. Here is the list of my loans and what I've paid:

United Cash Loans, 200 paid 665, 250 paid 625, 300 paid 0 (new)
500 Fast Cash 400 paid 1420, 450 paid 540
ameriloan 300 paid 885, 350 paid 715
National Money Store 450 paid 1368
Speedy Payday Loan 275 paid 0 (new)
Payday Loan Services 500 paid 0 (new)
NLS Payday 275 paid 0 (new)

I also live in New york, and these loans are not legal in our state. We do advocate paying back the amount borrowed.
Here are the Payday loan laws for New York (just select your state),
http://www.debtconsolidationcare.com...pdls-laws.html

listen to kash!

You have way over paid some of them. Go after them for a refund of all but the principal. Turn it right back on them. Use the money to recoup some of what you should pay the ones you still owe on. They are all illegal so they have no legal means of forcing you to go by their rules. As far as the lawyer goes I do not know what they charge. If there was grounds for a suit they may take it on a contingency basis. There does not appear to me that there is a clear cut possibility of a suit. Hopefully someone with better knowledge of the situation will come along.

I have a pay day loan in nre york as well and it was for $650 I have paid $1861 back so far. What should I do

go to the sticky titled DEALING WITH ILLEGAL LENDERS.that will guide you step-by-step.

i have 7 payday loans as well. i got sucked in and now im in debt up to my but. i also live in newyork.i need help asap. dont know what to do every check is going to the intrest . im paying over a 1000 %on some of these loans help

Payday loans are prohibited in New York, Frankie. Thus, all your payday lenders are illegal. You will be liable for paying only the principal balance to them. You won't be responsible for paying any fees or charges. To know how you can deal with the illegal payday lenders, check out the given page: http://www.debtconsolidationcare.com...-dealings.html

http://www.debtconsolidationcare.com/forums/showthread.php?t=89893&highlight=York

Here is a thread here chronicalling(sp?) my battle with getting out of PDL debt. It might be helpful, as I am in New York. If you have any questions, please don't hesitate to ask. I owe everything I learned to the good people on this forum....

Mike W.
Buffalo, NY


Thanks!

Hey guys. I just found this forum and am so happy i did. I did not realize that payday loans were illegal in NY. I have a few loans out and have pays at least double or triple the original loan on them. After reading this thread and the one chronicling that other posters results, I am going to close my checking account immediately and be done with these guys once and for all.

One question...some one said that if you paid them back the original premium and have paid interest, they actually owe you a refund...is it realistic to actually expect a refund from them? If so how would one go about it?

Thanks again to everyone on this forum.