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#1
01-13-2009, 06:55 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
Need Help in Florida
I currently have 6 payday loans out and am drowning. I read the information in previous posts and now understand that most of the companies I'm dealing with are illegal and that Florida not only allows for only 1 loan but they do not allow for rollovers. What do I do and how can I stop this??
Any help would be greatly appreciated Thank you!!! 
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#2
01-13-2009, 07:01 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
more info
1. Ameriloan - $300 borrowed - $180 paid in finance (none towards actual amount borrowed) - 521.43% apr
2. SSM Group LLC 608.33 % APR - $150 paid in finance $250 borrowed 3. 247Advances not sure what the APR is $150 paid in finance $200.00 borrowed 4. CashStarGroup 405.56 %APR - $180 pd in finance- $300.00 borrowed 5. OneClickCash 421.15 %APR - $180 paid in finance - $300.00 borrowed 6. Payday-Loan-Yes.com 842.308 %APR - $210 paid in finance - $350.00 borrowed
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#3
01-13-2009, 08:28 AM
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Sub:
Florida is known to have CSO's (Credit Service Organization), if any of these companies listed are CSO's, they are 100% legal in what they charge and would not be obligated to follow the laws below. I'm not possitive about ALL of your lenders but I do know there are a few that are NOT legal ANYwhere.
Florida State Information here http://www.debtconsolidationcare.com...pdls-laws.html __________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#4
01-13-2009, 08:31 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
Thank you for the information you provided. what do I do next? Any help you can provide is GREATLY appreciated
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#5
01-13-2009, 08:31 AM
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Sub:
Cash transfer Center is illegal and based in Canada and Malta.
Cash Transfer Centers Email: customercare(at)cashtransfercenters.com Fax: 866-809-4069 Level 8 Suite 3 Plaza Commercial Center Bisazza Street Sliema SLM15, Malta phone: 1-866-958-3278 fax: 1-866-809-4069 SSM/SJM (they are the same)-unlicensed/illegal SJM Marketing 1-866-722-2770, Fax 1-866-599-5161 email: info(at)platinumbservices.com. SJM/Platinum B Services PO Box 558 Shawnee Mission, KS 66201 1-866-722-2770 Fax 1-866-599-5161 One Click Cash, are unlicensed/illegal to lend in any state in the US. One Click Cash 52946 Highway 12 Suite 3 Niobrara, NE 68760 Fax 1-800-803-9136 Ph: 1-800-349-9418 compliancedepartment(at)oneclickcash.com Payday Loan Yes Not licensed! Oranyan House Shirley Street P.O. Box SS 19935 Nassau, NA Bahamas 8005506051 Fax -- 8006057419 Paydayloan-yes P.O. Box 571992 Murray, UT 84157 (88  227-4638
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CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#6
01-13-2009, 08:33 AM
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Sub:
I hope the information below will help you.
 You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender. If you follow the steps below for the illegal lenders only, you should be fine. I am unsure of CashStarGroup and 247Advances. Keep checking back, perhaps someone else may have info on them. What should you do? read http://www.debtconsolidationcare.com...-dealings.html __________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#7
01-13-2009, 09:32 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
Thank you!
thank you soooo much. I have contacted my bank and we are working together to determine whether to put the hard block or just close the account. the branch manager is working on this and will be getting back to me. I will start preparing letters as well. Thanks again. I feel like i might be able to start breathing again!
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#8
01-13-2009, 09:47 AM
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Florida section 516 states that all lenders must be licensed in the state regardless of their location. If they are not licensed then the loans are non collectable. You can start breathing. PM a member called Floridaconsumerlaw for more info. You can find him by doing a search above.
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A Safe and Legal Way to Boost Your Credit Score by 200 Points in 57 Days. A BBB Company with a flawless record! Free Seven Day Mini Course! http://tinyurl.com/57daych Escape the Payday Loan Trap http://tinyurl.com/pdltrap
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#10
01-14-2009, 11:40 AM
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Sub:
A payday loan company can send it to a collection agency but if the loan is illegal then so is the collection on that loan.
They can't garnish your wages if they are illegal. Legal paydays usually have inhouse collection divisions but sometimes after a year or two will sell it of to another collection agency.
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#11
02-02-2009, 01:39 PM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
Wage Asssessment
A co called my work today threatening to contact my work and do a wage assessment. They cannot garnish my wages on an illegal loan can they??
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#12
02-02-2009, 01:46 PM
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Sub:
You need to revoke any and all wage assignments you may or may not have signed with EACH lender, then show a copy to your employer. If you re-read the steps above it explains.
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CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#13
02-03-2009, 05:08 AM
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Sub:
Wage assignments are illegal in Florida but most employers are unaware of that. Follow Shazzers advice above to be safe!
__________________
A Safe and Legal Way to Boost Your Credit Score by 200 Points in 57 Days. A BBB Company with a flawless record! Free Seven Day Mini Course! http://tinyurl.com/57daych Escape the Payday Loan Trap http://tinyurl.com/pdltrap
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#14
02-03-2009, 05:33 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
PDM
ok they won't tell me which company they're trying to collect money for. They tell me that I owe $400 plus some $15 fee but I didn't borrow $400 from any of the companies.... SO, I found the debt validation letter on here and sent that to her along with a cease and desist and revocation of wages.
Thank you all. I'm so glad I found this site. You are all SOOOO helpful!!!
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#15
02-03-2009, 06:36 AM
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Sub:
If you get harrassed in any way by a collector or any other FDCPA violations like 3rd party contact, contact during the validation etc. I can provide you with an attorney who will work on contingency.
__________________
A Safe and Legal Way to Boost Your Credit Score by 200 Points in 57 Days. A BBB Company with a flawless record! Free Seven Day Mini Course! http://tinyurl.com/57daych Escape the Payday Loan Trap http://tinyurl.com/pdltrap
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#16
02-03-2009, 08:16 AM
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Join Date: Jan 2009
Posts: 8
Credits: 147
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Sub:
I'm being harrassed. I've sent the letter twice to them. the supervisor just called and yelled at me. i explained that i sent the letter and she was extremely rude telling me that no lawyer can help me. I tried to ask if they were licensed and they said yes. I tried to ask what company they were trying to collect for and she wouldn't tell me. Can I please have the name of the attorney?
Thank you
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