Internet's first get-out-of-debt community - 144,000 members

Honest ADULT

1. When used by RESPONSIBLE HONEST ADULTS, payday loans are great source of quick cash to keep us out of a tight jam.

2. Collections companies that work for online payday lenders are aggressive. They will stop at nothing to get the money they are ENTITLED to. Do not expect to take the loan companies money and not expect them to come for it. I have NEVER had a loan company do ANYTHING that their contract does not outline. I have NEVER had a loan company deposit funds without me knowing I applied for a loan. I would say that 98% of the poepl on this website that say these thing are liars that do not want ot own up to their end of the loan agreement.

3. A contract was signed. READ WHAT YOU ARE SIGNING. These contracts ARE binding. It goes to show how bad America has gotten when cowards like the people that don't want to payback what they borrow hide behind the politicians of the state.

4. States DO NOT have jursidiction over internet payday lenders, however every contract will have the state of jurisdiction for that loan. Learn the laws in the state of jurisdiction. More often than not the state of jurisdiction IS NOT YOUR STATE. The state is usually Nevada, Utah, Deleware, or is located offshore. These states DO NOT HAVE USURY LAWS.

5. If you insist on sitting at your computer and getting a loan without doing research BEFORE YOU APPLY, you deserve everything that these loan companies do to you. If are to lazy to look at your bank statement EVERY month, you DO NOT have the right to cry about the charges that continued to roll over. The lender is not your babysitter. You are a God Damn adult take responsibility for your actions.

6. You must pay for convenience. If the internet loan company charges more than your state allows......NEXT TIME GET OFF YOUR ASS AND WALK DOWN TO YOUR LOCAL CASH N'GO. IF YOU WANT TO SIT IN THE COMFORT OF YOUR OWN HOME WITH COMPLETE ANONYMITY PREPARE TO PAY EXTRA FOR THE CONVENIENCE.

Sincerely,

An Honest ADULT that takes responsibility for my actions.

Posted: Mon Sep 17, 2007 2:23 pm Subject:

OOOOOH and what ipdl do YOU work for?

PS - Spelling counts. D-E-L-A-W-A-R-E

Posted: Mon Sep 17, 2007 2:26 pm Subject:

Yeah, seriously. I have no problem with legally operating companies. And yes, they do have to follow state laws in most cases. Choice of law contracts are illegal in most states.

Maybe you should take the time to actually research what you are talking about before you go and judge people.

Guest · Posted: Mon Sep 17, 2007 2:27 pm Subject:

I dont work for any company, however the people on this site ARE going to affect my ability to take loans in the future. I see no issue with the way things are now. Why is it fair for the people that dont want to pay to screw things up for those of us that do?

Posted: Mon Sep 17, 2007 2:27 pm Subject:

Hey honest adult, honest people DO NOT find it necessary to blast people out that are trying to help eachother. What's the problem, you don't have a support system in your life? Please do find one, I think you may need some help with your self-esteem!

Posted: Mon Sep 17, 2007 2:28 pm Subject:

Wow! Our guest must have eaten a little bit of pee in his/her honey smacks this morning! Made him/her curse alot! Hope that his/her hiccup is over now and he/she feels better! Smile

Posted: Mon Sep 17, 2007 2:28 pm Subject:

Uh-oh..we've got a Guest and an Honest Adult on the loose!

So we need to just stop what we're doing to ensure you can take out loans in the future? suuree... Rolling Eyes

Posted: Mon Sep 17, 2007 2:28 pm Subject:

How are we screwing anything up? You can still take out loans . . . . We are not doing anything that effects you.

States were taking action to outlaw these companies long before this site.

But hey, if all the pdl's go away, you can always go borrow from a local loan shark!

Posted: Mon Sep 17, 2007 2:30 pm Subject:

If a company is operating legally there is little that one can do to get "out of paying the debt". Only with illegally operating companies is there wiggle room, because they are operating illegally.

Guest · Posted: Mon Sep 17, 2007 2:30 pm Subject:

I have not problem with people helping others. We all need crutches. I was raised with the understanding that if you agree to ANYTHING you see the agreement through. Obviously not everyone was raised with same set of morales and standards. I NEED these loans and all you people are going to do is make it tougher for those of us that use them when needed.

Posted: Mon Sep 17, 2007 2:30 pm Subject:

That's right volleyballmom! We have to make the world safe for ipdl lovers everywhere! Lord only knows what would happen if a perfectly illegal company were to be put out of business!

Posted: Mon Sep 17, 2007 2:32 pm Subject:

Guest, I'm sorry you feel you need these loans. This means that you are allowing yourself to be taken advantage of. I hope that you will one day see that you can do things differently.

Posted: Mon Sep 17, 2007 2:33 pm Subject:

Oh, that makes a lot of sense. We have no morals because we stop after we've paid an illegal company $3000 for a $300 loan . . . . . Hmmm . . . .

Maybe you should look into why you need payday loans. They are high interest, and should only be used as a short term financial solution. You seem to be using these loans regularly, therefore absuing them. The CFSA has made commericals targeting people like you who rely on payday loans too much. You are the reason they are "shutting down". If you only used them once in a while, you would care if they went out of business.

Guest · Posted: Mon Sep 17, 2007 2:33 pm Subject:

What makes a company illegal?

Posted: Mon Sep 17, 2007 2:34 pm Subject:

OMG, why don't you calm down and read what the posts are really about. No one is out to screw anybody or any company out of money. Everyone on here is willing to pay back the principal amount that they borrowed and not the ridiculous ream fees that these IPDL's charge.

And if you have been reading these posts, you will have noticed that alot of these people are getting money taken out of their account by companies that are operating under numerous names illegally Twisted Evil

. Now if I were a legitimate business I think I would only operate under one name not numerous other alias's and abide by my state laws.

ladybug

Posted: Mon Sep 17, 2007 2:34 pm Subject:

And honestly, what are you worried about? Even if 100 ipdl's were shut down tomorrow, 200 more would open up the next day. You will always be able to find illegal loans as long as you have an internet connection.

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