I am not sure where to start

You did not "blow" anything! It's okay. You can go in Monday. I'm telling you, it takes guts to walk into the storefronts and stare at the manager and spill your guts! You really don't have to tell them a whole lot. Just for your information (because it's your decision as to how you want to handle it), I told the storefronts THE BANK closed my account due to overdrafts. So it looks like it's not your "fault". This way you can tell them you do not have a checking account, so there's no way you can re-write. No way. No account. Tell them that you need to make payment arrangements. Some storefronts are easy to deal with. They'll let you go ahead and make payment arrangements. Some are hard core and will tell you (and I've had this done to me) to borrow the money from a friend to pay them off and then pay your friend back. Insane! How they even suggest this stuff is beyond me. You'll have to tell them with your bank situation that you do NOT have the money to pif. That you can do payments though until it's pif. Some will do it just fine. The ones you run into that won't, ask them for the district/regional managers phone number. Contact them. I'm telling you, they work better with you than the managers do. Just do not let them intimidate you into agreeing to borrow from someone else to pay them off. That's unacceptable. You have to be strong. You can do it. It's hard, but you can do it. The worst that can happen is they say no and tell you that they're going to send it to collections (you can make payments). As long as you keep in constant contact with the storefronts, they won't call your references. If they can't reach you or you avoid them, they will call every reference you have and bug the hell out of them.You can do this. I didn't think I could, but I took a deep breath and walked in the doors of each one and did what I had to do. Now, you might end up calling the regional/district manager and asking for assistance. Nothing wrong with that. It helped me! As for the internet ones calling your references, I had 12 internets and not one called any of my references. None. And, great job with talking to your HR person! They can field the calls away from you at work. Just remember, keep in contact with the storefronts. That's important. Or they just go nuts calling your references. Also, the lady at the bank is right. This is happening so much to so many people. You're not the only one that they have heard this story from. It's sad. So many people getting caught up in this trap. You sound like you're working your way in the right direction though. Be proud of what you've accomplished so far! Don't be afraid. Once you get this hard part over with, you will be so proud of yourself for what you've done. Like I said, it takes guts. And you'll find that you're a lot braver than you thought you were! Please keep us updated on what's going on. We can help if you run into problems.

On the Internets, if I have only paid the fees...which are very hig as it is, do I deduct those from the principal or will they just be *lost*?
I asked this on another thread to, but am trying to keep stuff on my thread so I can come back to it as things go along.

Egypt, on the ones that are not licensed.... You add up all the "fees" and everything else you have paid and compare to what you have borrowed. If you paid more, then you have overpaid, if you have paid less, then you owe. That is why when we asked at the beginning to post the total of how much you have paid to each. So we can help you figure out where you stand. I think somewhere in the pages of your thread, either Guest or Cannr figuered that out for you. (I may have it confused) If not, we will help you calculate it out. On the ones that are licensed, you will have to pay them according to the laws in the state they are licensed.

On a different note, it is good to keep all your stuff on your thread. It helped me to be able to go back and refer to a post as I needed. ALso, give yourself a break. All of this is alot to deal with and we are throwing so much at you sometimes it is overwhelming. I know there were days when I could not log on becuase I just could not deal with any of this. As you gain experiecne and confidence it will get easier. Do not put yourself down. It is easy for many of us to tell you what to do becuase we have been there. I know when I first came here I was so afraid to believe what everyone was telling me. I did not know and was petrified to take the word of strangers. Then after awhile I was at the point that I had absolutely nothing to loose so I took the plunge. You will do the same when YOU are ready. We will be here to answer questions, let you vent, hold your hand...whatever and we will do this no matter what. You have to make your decisions for you. You live in your life and know what is possible so you determine what you do and when. We just give you the support and we will respect whatever you decied. There really are no judgements here. We know you can do this...and you will know too..when you are ready and that is ok.

roxy's right (of course! ) Here's an example for you just so you can see it in writing:

UNLICENSED PDL:
Borrowed 300.00 Paid 450.00 Overpaid 150.00
This is adding up EVERY PENNY paid to them.

LICENSED PDL:
Borrowed 300.00 Paid 450.00 Depending on which pdl and state law they follow, you could be pif or you could still owe or you could have overpaid. Just depends on the amount the state law allows.

Thanks Cannr

Egypt, Here is what you posted for your internets



BIG...$200...paid $85 ....owe $115
US Fast Cash...$300...paid 90$ .... owe $210
Capitol...$300...paid $90 .....owe $210
United Cash...300$...paid 90$ ....owe $210
Cash Spot...$300...paid back $189.00 - legal
Little Loan shop...$300...paid 90$ - legal

Cannr, can you help figure out the two legal ones? So we will be ready once Egypt has the storefronts out of the way.

Cash Spot - Delaware - they allow 4 rollovers and have no limit on the interest (ugh!). So, it's been rolled over how many times so far???

Loan Shop - Utah - they have no limit on interest (ugh!) and as far as number of rollovers, it's unspecified. Although it does say cannot extend or renew loan more than 12 weeks from original loan date. So basically they can roll this over for 12 weeks??? Crap!

Here's some advice on the legal ones since they are in states with extremely lax pdl laws - email/call them and ask them how much it would be if you paid them in full right now. I mean, how much interest are they charging? The state doesn't even set limits on it! Also, they can roll it over sooooooo many times, it's crazy.

Another option - when you're ready to do your internets (after your storefronts are taken care of) - they won't be able to access your bank account any longer, so they're not going to get any money out of you that way. When they contact you (and they will), you can make payments to them on your terms. You can send them money orders. Usually they just want their money back, and if they have no other way of getting it, they'll probably take you up on it. However, you will have to stand your ground and pay them what you can afford to (nothing more than you can afford) until they are paid off. I'm just scared to death as to what they are going to say the total pay off amount is! These two pdls SUCK! Sometimes (I don't know about these two) the pdls will "strike a deal" and give a pay off amount lower than their initial amount given.

I contacted about half of my storefronts and only three were willing to work out payments. The longest one would give was two weeks. The one that belonged to that org. we talked about here said they would split it into fours...another will still charge the weekly fees, but allow extra to be paid against the principal without a paper check. One has to send the check through, but will then work with me any way they can.
I will trudge through this.

Lordy! You've been working hard! Congratulations to you! Actually, you've done the "hard" part. You've faced these people. So, do you still have more storefronts to go to? Good job so far. It takes guts.

If they belong to the cfsa they must give you 4 installments. Is only one a member of cfsa. I can check for you if you would like

Typing at the same time!

One of the ones that we mentioned earlier in the thread is and she is the one who said yes. The other three that are, are not sue until Fri. and I am thinking I will contact them by Thurs.
Shamefully, the ones who will work with me are ones I have had for years. Only one, the one who said two weeks tops, says he serves a warrant. But it is a small one....or smaller.

Must have been a Fruedian slip. I meant not "due" until Fri.

Serves a warrant?? Good God!!! So he'll hold it for another two weeks and then wants pif? A warrant? Crap!

Criminal action is PROHIBITED in your state. I just went back and looked at the state law. So, he could take you to civil court (which would take time) but to say he will serve a warrant on you? Criminal action is prohibited. Wonder if he needs to be reminded of his friggin state laws????

yep...the gal who works there says he only takes payments through the court. I may have misunderstood. Maybe they have to take me to court? I could get the PIF by then...I think?

egypt, they can possibly take you to civil court to collect their money. However, no cop is going to handcuff you and take you to jail for this storefront pdl. It's prohibited. Now, your lady at the storefront may have even worded it that way just to scare the crap out of you. So "he takes payments through the court". Okay. To me, that means that if you don't pay your check, he will go through the process of the courts, which they will ask you to appear, blah, blah, blah, and eventually just end up setting up payments anyway. So, to me, it's always been kind of stupid to go through all that. But, maybe that's what they meant. You will not be criminally prosecuted. That's the important part. You may have it paid before then. But if not, just know that they're not going to drag you off to jail. The nasty store manager might just start the proceedings for civil court. Or.... it could be a scare tactic to get you to pay ASAP. Maybe he'd give you "one more chance" if it still wasn't paid. Who knows with these people. I know the main thing they want is their money back. I hope maybe you can have it paid off before then. If not, don't freak.