I am not sure where to start

Nope, it posted as "you"! Just let us know if you need any help. We're here.

Thanks for the storefront help guest. Egypt and I have been pming behind the scenes and I have been stressing the importance of dealing with the storefronts first. I have been trying to determine the licensing that way when Egypt is ready those can be dealt with. So far only two are licensed. Unfortunately Egypt is in TN and they are one of those states where the internet pdl has to be lisecnsed somehwere UGH!!

As for the internet loans (for your information for later after dealing with the storefronts first):

BIG - not licensed/legal anywhere in the US
USFASTCASH - not licensed/legal anywhere in the US
UNITED CASH - not licensed/legal anywhere in the US

The Cash Spot. Is that who you are dealing with? If so, they also go by:

American Consumer Credit LLC
42 Reads Way Ste 124
New Castle, DE 19720

And American Consumer Credit LLC is indeed licensed in the state of Delaware, of which has very lax pdl laws. If you have to abide by Delaware law, that sucks.

Sorry. Just went back and re-read and saw that roxy already pointed out that Cash Spot is licensed in Delaware! Whoops! And she pointed out that The Loan Shop you're dealing with is licensed in Utah, so you would have to follow Utah state pdl law. Utah has lax pdl laws also, which sucks.

I just checked the licensee database for NV on Capital. I'm not showing it as licensed. Which is a good thing. Looks like only two of your internets will be licensed to lend to you (since they are licensed SOMEWHERE). If you would like for me to post the Delaware pdl state law and Utah pdl state law, just post. I'll post them for you. They are incredible. No limits on a lot of things, so you may owe as much money as they claim. Sucks.

Hey Fellow Tennessean...
I've read the advice you have been given and it's excellent. As far as your IPDL's, I agree to put them on the back burner. Get that account closed...they can't touch you and utilize the Cease & Desist letter on them. It works for most of them because they are not licensed to practice in many states!
I know the fear of facing storefront managers. Mine are like yard dogs but you gain the upper hand by reaching out and going above them to their superiors, the Regional, or District Managers. Dangle the meat, strike a deal, they will work with you...after all they want to win your money not lose it and going to court will cost them legal fee's as well. Don't let them intimidate you...be strong and know you are doing your best.
I think everyone in our predicament has felt shame, remorse and hopelessness. There comes a time you have to pick yourself up, grab your cajones out of the drawer and fight back. These PDL people are the lowest form of life. They are predators who live for the kill and the glory of taking gross and negligent advantage of people. They thrive on manipulation, harrassment and idle threats if they can't control you. The ONLY solution is to break free, completely, send a message to others and find out what kind of freedom you have once you are financially independent. It's an enpowering feeling and it's evident in all of the wonderful and caring members here who have been through the same hell and lived to survive it and offer assistance, moral support and guidance.
Good luck to you...you have many people on your side and you will prevail!

This statement confuses me a bit....

"So far only two are licensed. Unfortunately Egypt is in TN and they are one of those states where the internet pdl has to be lisecnsed somehwere UGH!!"

What does that mean exactly? Does it mean that in some states, the internets must be licensed in their state? And yes please do post the Utah and Delaware stuff...then explain why this is an issue?
I Just know you guys can see my blond hair...right over the internet.
Hey other Tn Person! Did living in Tn hinder you with this?
Back to work.....

Egypt, yes, states have different laws regarding both internet and storefront pdls. In some states internet pdls are prohibited all together, other states the pdl must be licensed in the state they are lending in and other states, like yours, the pdl can be licensed anywhere and the borrower must abide by the state law the pdl is licensed in. That is why we are going to post the Utah and Deleware laws.

Egypt...none of my PDL's are licensed or legal and only 2 have contacted me, one with a threatening letter. Three of them will be receiving certified letters and BIG received a very harsh email because I didn't have an address. The last one I haven't even heard from. Let them be the least of your worries. You're on the right track...keep up the good work!

Egypt...none of my PDL's are licensed or legal and only 2 have contacted me, one with a threatening letter. Three of them will be receiving certified letters and BIG received a very harsh email because I didn't have an address. The last one I haven't even heard from. Let them be the least of your worries. You're on the right track...keep up the good work!

Here are the Payday loan laws for Utah (just select your state),
http://www.debtconsolidationcare.com...pdls-laws.html

And for Deleware


http://www.debtconsolidationcare.com...pdls-laws.html

Egypt, I anwered your question and posted the laws. Right now, taking care of the storefronts are the first priority. Once you have worked things out with them we can begin with the internet. Aks all the questions you need to, that is how you learn. We all had to start somewhere too. I joined about 6 months ago and I would have never been able to help you with anything back then. You learn ALOT as you go. And...there is absolutely nothing wrong with being blond(e)....they say we have more fun

Hey, egypt! I didn't see your blond(e) hair! You can't see mine, but it is! So, see? You're not crazy or stupid! Stop being so silly! This is why we are here and this site is here. When I came I was CLUELESS like someone right out of a cave! When dealing with all this, you learn a lot. Experience is what brings knowledge. Soon you will have all this done and behind you and you'll be helping people! Imagine that! And, as roxy posted, please ask anything. No question is a stupid question. All questions are legit. I mean, how are you going to know until you ask? We might not know all the answers, but with all the members here ready to help - we can find it!

Guys, I blew it. I went in today to talk to one of the storefronts, but got cold feet and did not do it. I put it all of until Mon.
I, when I talked to the lady at the bank told her I had stopped by the small market I still had checks out on and explained what had happened. They had not made a deposit yet and said I could just come by and pick those checks up instead. Which was a good thing. The others I have and there is only three...to a gas station, feed store and grocery store should clear by Mon. Then we will freeze the account. I told her that I had stopped my Direct deposit for the 22nd and the suspect charges would not be put through until then. So this is when we will do the freeze. i won't wai tmuch longer than that.
I meant to mention that she said almost three quarters of those she deals with in her office are going through the same thing? She said the economy is so bad that many every day people like myself are doing desperate things.
I am just not sure how to approach these storefronts. Do I just say the Bank closed the account and I can no longer renew? That I have to work out a payment plan or let them sue me? I would think the worst thing I could do would be to *confess* the mess?
What about the people you list for references? Do those internet people start to badger them too? I listed friends, family both?
My HR gal last night before I started my shift and I had a talk and she told me what she will tell them if they call and she is on the switchboard. Not to contact me at work.