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Guest

Hello I took out a online payday loan for $700.00 from cashin30minutes.com and friday i got a call from National ATTorney collection services saying that i have a legal case in there office and if i didnt pay 820.oo immediately ill be charged with check fraud.. Have anyone every heard of national attorney collection services..or ever had a payday loan from cashin30minutes.com or better known as easy money/emg.And can i really be charged with check fraud...I really want to pay this loan back but im going through a divorce right now and with out my husband income im barely supporting my family.. I live in Delaware !!!pleases help me out im very upset and nerves!!! Sad

Posted: Sun Dec 30, 2007 4:40 pm Subject:

Hang in there Guest. I have never heard of this company, but I am sure someone here will be able to help you.

Don't quote me here, but I think if it's an online payday loan company they can't get you for check fraud... but someone with more knowledge will be along shortly to answer your questions.

What state do you live in? And also, you may want to register so that you can log in and find your posts more easily.

Best of luck to you!

Guest · Posted: Sun Dec 30, 2007 4:43 pm Subject:

I live in delaware

Posted: Sun Dec 30, 2007 4:53 pm Subject:

I'm trying to find more information for you. There is another post from a user who went through cashin30minutes.com.

One of the replies they got was this one from njl32: "No criminal action can be taken against the consumer due to nonpayment of outstanding amount or, unpaid return check or automated clearing house transaction. Lender can collect reasonable collection cost or attorney’s fees, provided these additional charges are mentioned in the agreement paper."

"This is from the Delaware law section. You will not go to jail or be charged with check fraud. Lenders do need to be licensed in order to lend money, even online. I do not know off the top of my head whether cash in 30 minutes in legal but due to the fact that they threatened you like that I would guess that they are not."

Posted: Sun Dec 30, 2007 4:56 pm Subject:

Here are the laws for your state:

Guest · Posted: Sun Dec 30, 2007 5:08 pm Subject:

Im confused next to criminal action its blank so does that mean they could could pursue criminal actions against me? Sad

Posted: Sun Dec 30, 2007 5:11 pm Subject:

I highly doubt that cash in 30 minutes is even a licensed lender, but I am not 100% sure on that.

Posted: Sun Dec 30, 2007 5:26 pm Subject:

To the Guest who keeps posting this request for help in multiple threads...please try to keep your requests for help down to one thread. Several people here have responded to your requests for help with this same issue more than once in the past 24 hours, but we keep seeing these posts over and over again.

We're trying to help you out here, but it's impossible to keep up with your requests for help when they are posted so many times. Plus, it makes it very difficult for you to keep up with what advice you've been given.

If you are looking for your earlier threads to see the information you were given in response to your questions, please do a search, using our search engine at the top of the page, on "check fraud" or one of the multiple guest names you've used.

If this is indeed a different "guest" than the one I'm thinking of, please accept my apologies. We're just trying to keep multiple posts from clogging up the boards here.

Thanks! Very Happy

Guest · Posted: Sun Dec 30, 2007 5:27 pm Subject:

I think they might be licensed they have storefronts in DE BY THE NAME OF EASYMONEY/EMG AND THERE LICENSED IN DE.But there corprate office is the one who runs cashin30minutes.com in there located in Virgina...Im very worried.. Crying or Very sad

Guest · Posted: Sun Dec 30, 2007 5:29 pm Subject:

YES im a new guest this is my first post here on this forum!!

Posted: Sun Dec 30, 2007 5:32 pm Subject:

Ok, my apologies, guest. We've just had another guest posting multiple times regarding the same company, and they also lived in Delaware, borrowed the same amount you did, and received the same phone call from a collection agency/attorney's office. So you can see how it was easy to think you were the same person.

Again, my apologies, and if you need more info, please feel free to ask.

Posted: Sun Dec 30, 2007 5:34 pm Subject:

If they have store fronts then I would bet that they are licensed and operating within the law in your state. If they are licensed then you need to work out a payment plan with them to pay them back. I would think that as long as you communicate with them you will be ok. I am sure that someone will come along with more advice and knowledge on the licensed lenders.

I got that quote posted above from another post with all the DE laws listed.

Guest · Posted: Sun Dec 30, 2007 5:36 pm Subject:

Sure i definitley see why you questioned that! aologie accepted...But however im still confused it states in Delaware laws that payday loan companies are only allowed to loan 500.00 maxuim but they loaned me 700.00 .IM so confused Crying or Very sad

Posted: Sun Dec 30, 2007 5:38 pm Subject:

I got that law info from this site. If you go to the Payday Loan Help forum main page and click on the sticky for laws from each state, then click on the DE link you will see where I got the whole "you cannot be prosecuted criminally etc."