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Old 10-03-2008, 07:05 AM
sswa462448 sswa462448 is offline
 
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Default getting rid of payday loans
Does anyone know of a debt management/settlement/consolidation service that helps with payday loans in Maine?
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Old 10-03-2008, 07:41 AM
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mobile0311 mobile0311 is offline
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Have you considered settling them on your own ? You can save some money doing so.

Are the pay day loans store front or internet ? What are the balances and names of the creditors ?
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Old 10-03-2008, 07:49 AM
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Please read the link below about the payday lender laws.
http://www.debtconsolidationcare.com...loan-laws.html
Quote:
Maine State Information

Legal Status: Prohibited - Permitted for supervised lenders

Citation:
Maine's UCCC applies. 9-A Me.Rev.Stat.Ann. 2-401. Supervised Lenders are exempt from 32 M.R.S.A. 6138(4)(D) which prohibits a check casher from cashing or advancing any money on a postdated check.

Small Loan Rate Cap
30% per year on amounts up to $2,000 or a fee of $5 for amounts financed up to $75; $15 for amounts financed $75.01-$249; or $25 for amounts financed of $250 or more.

Where to Complain, Get Information:
Regulator: Maine Office of Consumer Credit Regulation
Address: Department of Professional and Financial Regulation, 35 State House Station Augusta ME 04333
Phone: (207) 624-8527
Fax: (207) 582-7699
Regulatory Contact: William N. Lund Director

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