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 Posted: Thu Jul 05, 2007 9:47 pm Subject: Week 1 since default |
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So tomorrow will be the first week after defaulting on 3 payday loans...
(Checksmart, Advance America, and First American Cash Advance)
Checksmart told me to just come in tomorrow and pay all of it off... Advance America let me give them $100 to hold my check another week, and First American Cash Advance called my mom and told them that I was a "dead beat" which I didn't even think was legal... But now my mom keeps yelling at me for this and it's so damn embarassing...
The dillema is, I still can't pay them back, and I have about $300 I can spread out through all of them, but that's about it... My total loan amounts are as follows...
Checksmart $460 Due
Advance America $460 Due - $100 paid = $360 total
First American Cash Advance - $230
First American Cash Advance was EXTREMELY rude, and told me they wouldn't be doing any sort of repayment plan w/ me, even though I've heard someo f you guys say that Ohio requires them to by law. The website you guys have referred me to says NOTHING about a repayment plan so I'm really confused on where that information is coming from.
Any advice you guys may offer will be EXTREMELY useful. I thank all of you for your replies an advance. Someone pppllleease help... 
Nate
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naderj
Joined: 26 Jun 2007
Posts: 7
Debtcc Points: 367
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| Posted: Fri Jul 06, 2007 6:19 am Subject: |
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Nate, someone will be around shortly to answer ur questions! Wish i knew more bout pdl's but luckily for me i've never gotten one! Thank Goodness for me! But many here have very much knowledge on these and will be more than happy to help u, either thru this thread or PM's!
Good Luck,
Ang
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Ang
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| Posted: Fri Jul 06, 2007 7:51 am Subject: |
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Are these internet companies or store front companies? Also what state do you live in?
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ramj70
Joined: 16 Jan 2007
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| Posted: Fri Jul 06, 2007 8:50 am Subject: |
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Hi. I had one with First American Cash Advance. Is yours storefront? Mine was. It may depend on the different branches, but the one that I was dealing with were pretty nice. Of course, I had given them about a bizillion dollars in re-applies!!! Just keep asking about a repayment plan. If they continue to treat you in a rude way then maybe consider calling a supervisor or someone even higher up. Hopefully they will work with you if you keep asking. Good luck.
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eleroo
Joined: 06 Jun 2007
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| Posted: Fri Jul 06, 2007 10:34 am Subject: |
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| Quote: | Checksmart $460 Due
Advance America $460 Due - $100 paid = $360 total |
I have dealt with both of these companies, but I paid Advance America off. Checksmart is listed in my BK. Let me tell you, the corporate office for Checksmart are a**holes. They have threatened to come to my job and go to the payroll dept to collect the money I owe. This one collector even said he was gonna put an article in the Columbus Dispatch telling me to come and pay for the check 
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BROWNSUGAR!!
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brownsugar
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| Posted: Fri Jul 06, 2007 11:56 am Subject: |
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WOW brown!! Isn't that illegal tactics?? These people are real jerks huh?
Good Luck,
Ang
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Ang
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| Posted: Sun Jul 08, 2007 12:26 pm Subject: |
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They called your mother?? Was she a reference? These people sound like total butts! And that also sounds like harassment to me!
I have dealt with Advance America and was able to pay them off. I was getting all of the nastygrams from their corporate offices, but the store manager was cool and told me as long as I was making payments it was OK and I didn't have anything to worry about.
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kscornell
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| Posted: Sun Jul 08, 2007 12:54 pm Subject: |
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The laws in OH have changed. Go back to paydayloaninfo.org and use the contact number they will tell you that by law they are required to work out some sort of payment arragnement with you. I would also go ahead and file a complaint on them if they are unwilling to comply with OH state law. Corporate offices are a lot nastier than actually speaking to someone in the storefront so if you haven't already, try contacting the store manager and see if you can get this resolved.
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Leah
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