PDL Help in Georgia

i live in georgia
i have a loans from the following
Great Sky- original 300$ paid 540
lakota cash -500- paid paid 600
elastic 400-paid 300
Fbank of del-300 paid 400

I have called and tried to work out with them but most only offered to reduce the rate is this the best i can get to get out this mes ?

Are they internet or store front loans?

they are all internet

they are all internet

Internet payday loans are not legal in GA.

You only owe 100 on the elastic loan and that is it.

Some owe you refunds for what you overpaid but you should get them marked Paid in Full. Find their address or emails, send them C&D letters with your state laws about payday loans.

Someone else can help better, but just thought I would chime in you only owe 100 more and you are done!

Wait, Elastic and FBD aren't payday lenders, they are banks! The payday loans laws wouldn't apply to them.

I though elastic and FBDL were not thanks the information on here is aweson

They are both banks, Elastic or Urban Trust Bank,
First Bank Of Delaware, they aren't payday lenders, they're banks. Banks do not follow the payday loan laws. Were the loans you obtained from these two banks an installment type of loan? You might want to call them and ask for an extended payment plan, perhaps they would extend your payments for you if you explain your financial hardship.

Here is the response that i got from one pdl wouldnt surprie me if the other responded the same way any suggestions
As stated in the contract you signed “GREAT SKY FINANCE, LLC IS A WHOLLY NATIVE AMERICAN OWNED LIMITED LIABILITY COMPANY LOCATED WITHIN THE EXTERIOR BOUNDARIES OF THE CHEYENNE RIVER SIOUX TRIBE, A SOVEREIGN NATIVE AMERICAN NATION. THIS LOAN AGREEMENT IS EXECUTED PURSUANT TO THE INDIAN COMMERCE CLAUSE OF THE UNITED STATES CONSTITUTION AND TO THE EXPRESS EXCLUSION OF ANY APPLICATION OF THE INTERSTATE COMMERCE CLAUSE OF THE UNITED STATES CONSTITUTION OR ANY STATE OF FEDERAL LAW OF THE UNITED STATES.” This means we do not have a state by state module. You agreed to the contract which states we lend through the Sioux Tribe and we abide by the pay day laws of South Dakota. I will be happy to provide the signed contract by you to the State Attorney as well as the Better Business Bureau. The contract also states if you fall into collections, we have the right to submit your account for payroll garnishment. If you are having problems paying back your loan, we will be happy to set you up on a payment plan.

Just tell them you aren't a resident of the CHEYENNE RIVER SIOUX TRIBE, therefore the laws they detail do not apply to you. I doubt they will come into OUR court of law to sue you, if they do, that means they would have to forfeit their tribal laws.

Got one of them marked Paid in Full after i demanded a refund on all that i had overpaid , still got Great Sky been going back and forth with them they said they were forwarding my info to their attorney , so i am waiting to see what happens next

let them.chances are the attorney is just a collector playing attorney.never really saw an actual attorney for any of these"sovreign nation"pdl's that was nothing more than that.one of their people.

Got an e-mail from the other one they said they were considering it a settlement and the balance is waived ?

which pdl is this?keep that as it is just as good as a PIF.

Woooohooooo! GREAT news!

Thanks to this forum , Shazzers all your info and advice were on point , This is an awesome form . Such a load off my mind and my wallet !!!!!!! Thank you Guys sooooo much i could not have gotten this done with out your help