Just wanted to update everyone on how things are going...
My payment to Langhorne successfully cleared my account on Monday, so I have to assume they started hitting heavily with the letters on Tuesday. My phone was ringing off the hook, at least a phone call every 20-30 minutes from 8am-8pm every day. I would call back the storefronts, which were minimal, since I visited them all prior to my due date. The rest of the calls have gone straight to voicemail.
Yesterday, it was eerie. I didn't receive a single phone call from 8am until almost 4pm! Towards the end of the day yesterday, I received an email from ThinkCash:
Quote:
THIS IS NOT AN ATTEMPT TO COLLECT A DEBT
We received your request to cease and desist all collection efforts on
your account, and will honor your request. However, we remind you of
your promise to pay under the terms of the Loan Agreement. Further, we
may report information about your account to credit reporting agencies.
Late payments, missed payments or other defaults on your account may be
reflected on your credit report.
We have flexible payment options that we can discuss with you.
Please contact us.
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I have yet to speak with my Langhorne representative since making my payment, but obviously, she's doing something!

I'm still receiving calls (mostly from First Bank of Delaware and a very persistant CashNetUSA - 4 times today alone!), but my phone is noticeably more quiet.
I can't wait until I start hearing about settlements!
Oh, you guys would also be proud of me... I took on Dollar Financial in regards to a storefront loan. They kept calling my phone, so I called them back. I explained that I am unable to pay based on their CFSA terms and the best I can do is $50/month for the next 4 months and paying off in the 5th month.
The rep tried to say, 'well, I need $80 now'.
'Well, I'm sorry, I don't have $80 now and the best I can do is what I've already told you. I will be paying $50 on the 16th.'
'Well, I'm sorry, but that won't stop collections.' 'That's too bad. You will get your money, I just have to pay it off on my terms.'
'I'll notate your record.'
I stood firm and felt empowered when I told him.