Going under in OR

OK. So account is closed.
Prosper already bounced. Think Cash is going to bounce probably tonight. All of the PDL's will bounce Friday. Cash Call was part of the overdrafts so it is ok for another month. The storefront one is due Saturday, I will have to call and try to work something out with them. I am past due on the two personal loans and my credit cards but I think I can work with them.
Now:
One of the loans is with Magnum Funding and it was a $600 loan payable in 4 payments, one every 2 weeks. Does this fall under the illegal loans?
Also how do I go about finding addresses, etc. for the PDL's?
Where do I file the complaints? Is this on the website that shows the laws?
The improper ACH charge forms I am figuring that I won'tcomplain to my bank since I am basically going to apply those to what I owe on the principal to the PDL's.
So from what I understand I need to get info together and send letters to the PDL's and file complaints. What else do I need to do?

Yes - They would need to be licensed.

Any addresses you need for pdl's you can do a search here, or post their names and we can help you find them.

To file the complaints go here:

http://www.oregondfcs.org/complaint.html

For now, just work on the letters and complaints. That is the start . . . Then you just have to react to how the companies react to the complaints and letters. You may get a PIF right away, or you may have to work at it. Your bank account is closed, so you are safe there.

Ok. Minor update. The storefront PDL called me for my reminder that I am due tomorrow and I asked them about a payment plan. They said I could come in this week and pay a fee which is equal to the interest ($95) and setup a plan to pay off the rest over the next 4 paydays. Still going to be tight but at least it will take care of the one legal PDL I have.

Another question. I talked to one of my supervisors at work and let her know that at some point in the not too distant future the internet PDLs might call my work regarding monies they consider owed to them.
Her only question was "What do I tell them?". So what do I tell her to tell them?

Thanks.

I'm not sure about this one. I know a few people have done the "Doesn't work here anymore." But that I think is best used for the illegal ones. You won't be able to separate them from the legal ones when they first call up though. I assume you have calls transfered to you instead of a direct line....

Other than that, I say she should tell them not to call your place of business. Have her tell them that work is not for personal business, and if it is not related to your job then they should stop calling.

I'm sure others have other ideas....

I would tell her to just hang up on them. They will probably tell her that you are a theif, that you are about to be arrested for theft, etc. So it's best that she doesn't even talk to them.

Maybe tell her to say "We don't take calls like this." And then hang up.