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bristolian11 · Posted: Thu May 01, 2008 6:14 pm

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I have 9 payday loans out. I have been to several banks, but can't get a personal loan to consolidate the problem. They are all in default and I don't know what to do.
USA Cash -$225 paid $350 so far online
Ameriloan $225 paid $350 so far online
Paycheck today- $400 paid $120 so far online
CashnetUSA- $900 haven't paid anything online

Cash Store- $900 paid $450 so far, owe $470, in collections, from a store
QC Finance- $600 have paid $120, from a store
Check City $900 have paid down about $300, from a store
CheckSmart- $200, from a store.
CheckItOut- $250 from a store.
I live in Utah.

Posted: Thu May 01, 2008 8:16 pm

Hello and welcome to the forum! I am going to post your state pdl laws. Me oh my, they aren't very stringent. Confused

Posted: Thu May 01, 2008 8:23 pm

Have you defaulted on the store front loans also? All of them? This is very important, because if you haven't, then you can evoke the epp on the stores which are CFSA members, I'm pretty sure Cash Net USA is. The epp is an extended payment plan, that means they would allow you to make four equal payments instead of paying them all at once, but only if you go into the store BEFORE the due date of the loans. I see that Cash Store is currently in collections so you won't be able to evoke the epp with them.

Posted: Thu May 01, 2008 8:42 pm

Internet loans -

USA Cash - We'd have to check on this one.
Ameriloan - unlicensed/illegal
Paycheck Today - unlicensed/illegal
CashNetUSA - licensed/legal

Storefront loans:

Cash Store - since you've been turned over to collections, you should be able to work out some kind of payment plan with them to get it paid down.

QC Finance - is this Quik Cash? Or is the name of the storefront?

Check City - I do believe is a member of the CFSA.

Checksmart - I do believe is a member of the CFSA.

Check It Out - I'm not showing them as a member.

bristolian11 · Posted: Thu May 01, 2008 9:12 pm

USA Cash is USA Cash Services. Their webpage is very similar to Ameriloan and they both send identical emails. Neither one of them will send me any paperwork or payoff. They say it's all online and I can't send them a money order either. If they are illegal, what is the next step? We have closed our account, so they can't get any money, but do we have to do anything so they don't attach to our credit reports?

Guest · Posted: Thu May 01, 2008 9:14 pm

QC Finance is taking the case to County Court on Friday. They call my work, my husband's, our phones, and text everyday several times. They are the only one's going to extreme measures. Is there anything we can do about it?

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