I am overwhelmed in payday loans

Guest · 100 Debtcc Points

Is anyone there?

Posted: Tue Apr 08, 2008 11:23 am

Is anyone there?
_________________
question???????

Guest · 100 Debtcc Points

Kash, I am not looking to EVER take out another payday loan, but I am a homeowner and may decide to refinance at a later date and I don't want a payday loan to hinder me from doing so. That's why I was asking that.

Posted: Tue Apr 08, 2008 1:14 pm

Not to worry.

Guest · 100 Debtcc Points

I was telling my coworker about this site and she wanted me to ask if instant loans now was legal in the state of PA?

Posted: Tue Apr 08, 2008 1:24 pm

if a pay day loan is licensed anywhere it is considered legal in PA. She needs to check with the bbb to see if they hold a license to lend.

Guest · 100 Debtcc Points

Do you have a website for the BBB in PA? Thanks.

Posted: Tue Apr 08, 2008 1:32 pm

just google it. I dont know it off hand. I usually google bbb and put in the name i am searching

Guest · 100 Debtcc Points

ok thanks. I will tell her. I also told her to sign up for this website.

jojo26 · Guest 100 Debtcc Points

I have around $3400.oo in payday loans. Please tell me which ones are illegal.

Company ,Amount borrowed , interest , total owed

Advance America $200.00 $35.00 $235.00
Quick Check $200.00 $35.29 $235.29
E-Z Check Advance $170.00 $30.00 $200.00
Capital Currency $255.00 $45.00 $300.00
California Budget Finance $255.00 $45.00 $300.00
3bpayayloans $300.00 $90.00 $390.00
Impact Cash USA $300.00 $90.00 $390.00
Cash Transfer Centers $600.00 $162.00 $762.00
Webpayday $195.00 $45.00 $240.00
Cash Advance Networks $300.00 $90.00 $390.00

The first 5 is in store based in California the last 5 is internet.
Please give me info. I don't know what to do.

Posted: Wed Apr 09, 2008 4:42 am

All your store fronts are legal.If you have not defaulted, and they are members of the cfsa you can go in to each store a day prior to your due date and request the EPP. Extended payment plan. This allows you to pay off in 4 installments with no added interest

Cash Transfer Centers is not licensed/legal anywhere .They are not located in the US.
For the others go to the BBB web site and see if they hold licenses to lend in CA. Someone may come along who knows , but off hand I do not.

Joined: 10 Mar 2008 Posts: 175 2642 Debtcc Points

Just thought I would point out that it was originally believed that California Budget Finance was not a member of the CFSA, as when I first needed help, no one could find information for them.

Just to let you know, that when I went in and paid off my loan with them 2 weeks ago, I saw that they do indeed have CFSA information posted. So if you find yourself in a situation that you want to invoke the EPP, you are able to at this storefront.