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 Posted: Fri Jul 06, 2007 5:33 am |
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So you are new to the forums and you need help with payday loans. To help everyone help you please post the following information. This will greatly help others in finding information and giving you a hand.
- List the companies you have the loans with and whether it is a store front operation or an internet operation.
- List the original amount of the loan for each account
- List what you have paid so far for each loan.
- List what state you currently reside in.
Each state has different laws when it comes to payday loans and usually there is a difference between an internet company and a store front company when it comes to what they can and cannot do legally to you.
Also remember, if a collection agency is trying to collect on an internet payday loan and they threaten you with jail, you cannot go to jail for not paying your debt. Don't get scared or depressed, most everyone here wants to help and there is a way out.
Here is a link that shows the laws and gives other useful information for payday loans in every state, make use of it.
http://www.paydayloaninfo.org/states.cfm
One last thing, if you are thinking about getting a payday loan,
DON'T DO IT!!
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ramj70
Joined: 16 Jan 2007
Posts: 203
Debtcc Points: 864
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| Posted: Fri Jul 06, 2007 5:41 am |
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Wow good advice Ram!! Hopefully everyone will read this before posting their questions!
Thanks,
Ang
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Ang
Debt Samaritan
Joined: 27 Jun 2006
Posts: 2390
Debtcc Points: 18656
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| Posted: Fri Jul 06, 2007 7:32 am |
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It has baffled me lately that people have come here looking for help and when asked repeatedly for that info they never reply and just vanish. I think those people are either wasting our time deliberately which is a shame because they are keeping us from helping other people and also playing with our good intentions and our desire to help. I have those questions saved in word and now I just copy, paste and edit when someone posts a "need help with PDLs."
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frogpatch
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Joined: 09 Apr 2007
Posts: 3439
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| Posted: Fri Jul 06, 2007 7:49 am |
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Yeah that can be frustrating frog. Maybe they are collectors disguising themselves trying to waste our time.
Oh yeah forgot one thing. List what state you currently reside in also.
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ramj70
Joined: 16 Jan 2007
Posts: 203
Debtcc Points: 864
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| Posted: Fri Jul 06, 2007 10:19 am |
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oh wow good idea frog!! I'll do the same!
thanks for info,
Ang
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Ang
Debt Samaritan
Joined: 27 Jun 2006
Posts: 2390
Debtcc Points: 18656
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| Posted: Fri Jul 06, 2007 6:11 pm |
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Good list. Hopefully people will read it before posting. You might add a 4th question -- "List what state you live in" -- so we know what state laws to look up in order to help the poster.
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DebtCruncher
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Joined: 07 Nov 2006
Posts: 1332
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| Posted: Fri Jul 06, 2007 7:06 pm |
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Ram!! I edited your post and added the state point, great post buddy. Keep up the good work, such contributions make this community unique.
_________________
One Page Payday Loan help - If you don't know your rights, you don't have any!
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simon
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Posts: 241
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| Posted: Mon Jul 09, 2007 3:32 am |
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Thanks for the edit simon, looks much better now
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ramj70
Joined: 16 Jan 2007
Posts: 203
Debtcc Points: 864
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| Posted: Mon Jul 09, 2007 4:03 am |
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Great idea to make that a sticky!!!! 
_________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.
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Sassnlucy
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Joined: 12 Mar 2007
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| Posted: Wed Sep 19, 2007 12:28 pm |
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This is great information to have!
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mzthang2007
Joined: 16 Sep 2007
Posts: 1
Debtcc Points: 12
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| Posted: Wed Sep 26, 2007 10:26 am |
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Hi Kim. Is there ANY chance you can keep your house? We can help you with the pdls, but your basic needs come first. Just at a quick glance, I can tell you that 500fast cash, united cash loans, mte financial services, and payday2go are all illegal and you can fight them. Please give us a little more info on your house situation. Also be sure to look at the link to your state's laws. If these are all online loans then your best bet is probably to close your checking account, make sure that the bank won't force it open when the debits try to hit, and open up another account at a completely different bank. Then prepare cease and desist letters for all of the pdls (if you need addresses, please post which ones you need, as I'm sure that someone on here will have it). Also include a wage assignment revokation. I know it sounds like alot, but it's a good start to get you back in control of your money.
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eleroo
Joined: 06 Jun 2007
Posts: 1227
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| Posted: Wed Sep 26, 2007 10:27 am |
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Wait...Where did Kim's post go?
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eleroo
Joined: 06 Jun 2007
Posts: 1227
Debtcc Points: 14309
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| Posted: Wed Sep 26, 2007 10:41 am |
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I split it off and gave her a thread of her own . . . You must have been posting right as I was splitting. Please repost to her thread, and I will delete this stuff here.
_________________
How I make some extra cash
I earn at least $20 extra every month doing offers.
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goudah2424
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| Posted: Sat Oct 13, 2007 8:07 am |
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very nice. 
_________________
"It only takes a second to do something that you will regret for the rest of your life."
All the Best,
Luke
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Lukeskywalker
Joined: 19 May 2007
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| Posted: Mon Oct 15, 2007 2:45 pm |
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Thank you for posting this here. This is a helpful link. I did post all my information...I was open and honest. It was hard to look at, but It's time for a change....I have taken the first step!!
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nance
Joined: 15 Oct 2007
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