payday loan help

As alicia said they will be more willing to work with you as time passes.
Have you thought about having the conversation with advance america? I am just suggesting that they know the other companies tactics as they are all in the same business. Maybe they could answer your questions.

I am sorry that Alicia's information was pulled before you could get it, I guess that is the rules. I don't know if you can PM her if she is not registered, not sure.

I went to two more of the places I have loans and they have agreed to set up payments arrangements. YEAH!!! I have worked out something with three of the six. Of the other three, one I am going to pay off this Friday. One is the internet loan. They are licensed out of SD. After doing some reading on this forum I am wondering if I should check and make sure the one internet loan I have out is licensed in ND. Anyone know how I would find that out?
And last place I need to still speak to them but I am done for the day. That was stressful enough. I do feel a little better though. The places here have been good to work with so far.

All the licensed companies in ND will be listed with the DFI. Check the link below

http://www.state.nd.us/dfi/regulate/reg/regulated.asp

thanks for the info Bridget. Does anyone know what happens if a payday company that lent you money is not licensed in the state you live in?

When you set up the payment arrangements did the fees stop building? They should have stopped.

Yes they did. I did have one issue with one place. They only will allow me to make payments arrangements once I roll the loan over once. ND law only allows for one. Not sure if this is legal.

I did go to the sight Bridget gave the link for. If the online payday loan company is out of another state (in this case SD) would they show up on the ND sight if they are licensed in ND? I did enter them in for a search and it came up as no information found. If a company is not licensed in your state of residence am I legally bound to pay them back? I'm not trying to get out of my debt. I owe them and want to pay them back. I'm just thinking if I'm not legally bound it could buy me some time to pay the others back first. Would I be able to tell them (once I verify for sure they are not licensed in my state) that they legally should not have given me the loan. Maybe they would be more accomodating with payments arrangements? Thanks all

I would like to get in touch with that woman Alicia also. Help!

she has never gotten back to me on this post. Sorry. I would really like to talk to her too.

I asked above but nobody replied. Does anyone know what happens if I found out that the payday loan I took out over the internet in SD is not licensed in ND? Thanks.

None of them are licensed in pa, and they are prohibited, but there is a loophole that lets them lend and collect through another state, in my case they used Nevada. Imagine that.

I am not real sure what the answer is for you, but this is how it works in Pa. Goodluck

how do you start a new thread? I cannot figure it out. Unless someone can answer for me here.

I have read somewhere on this sight about the subject but can't find it now. I read that is is illegal for collection agencies to reage accounts. Anyone know anything about this?

I have several bills that are older than seven years and they were at sometime bought out by a collection agency. The agency then reaged my account so now it is on my credit report for another seven years. I have a several of these on my credit report. In fact a couple of account have been bought out a couple of times and reaged each time. Doesn't seem like they should be able to do this. Thanks for any input.

Look at the top or the bottom of this page, see where it says "new topic" just click on that button and you are on your way.

Yes, it is illegal to reage debts, which I'm pretty sure is covered under the FCRA
. I believe you can file a complaint with the FTC.

thank you very much for that information.

Couple more things (sorry, I'm new). Any ever heard of Assest Acceptance? (they happen to be one company that has reaged a couple of my accounts). And how do I get creditors to stop calling me at work? It is extremely humiliating and I am busy at work. I am getting like 10 calls a day from different creditors and sometimes the same creditors.

Two more things. How do I post a new thread and what do the Debtcc Points mean (or, where can I find info on what it means?) I have tried to find the info on this sight and am at a loss. Seems a tad bit confusing trying to navigate and find info on how to start a new thread and find info on how this sight works like the debtcc points.

I'm not complaining. you all have been wonderful. I don't know if I would still have my sanity if not for you. And what a wealth of info. I will be forever greatful I stumbled across this sight. God bless you all.