storefront PDL's in texas

You may be right..LOL
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I don't know. I have never seen a lender in both databases.

Okay, so if they are a CSO what are my options for getting rid of the loans?

Okay, so it they are CSO's what are my options for taking care of these?Â* Will they work with me to set up a repayment plan.

I can only tell you what I did. I am assuming that you gave them a post dated check. I had paid them around 2200 dollars in fees on a 1500 dollar loan. Here's what I did;

1. Stopped payment on the check.
2. Waited for thier call. They only called once and I told them I couldn't pay anymore. They didn't call anymore.
3. Allied Asset Managment started calling about 15-20 times a day. I told them to send me a verification of the debt and they never did.
4. I sent a C&D letter to them and called The Cash Store and ended up making 1 more fee payment to them of 150 dollars to have my account marked Paid In Full.

This may not work for everyone, but it worked for me. Allied Asset still calls once a day but I ususally ignore it. Sometimes, I will you a fake voice just to mess with them. Lots of fun! They're stupid and try to threaten me but I know the laws as I used to work for the DA here.

Is there anything they can do with the postdated check? Can they send it to the DA as a hot check?

I can say that Tarrant County will not accept a check written for a debt as "hot". It is a civil matter. They would have to take you to court and get a judgement against you and that rarely happens in Texas. The courts here take a pretty dim view of these pdl's anyway so they tend not to spend much time or taxpayer money to persue these cases.

Thanks to everyone who responded to my question. This site has been a big help. I have paid an enormous amount in fees over the last couple of years. Advance America has agreed to set up a payment plan, not sure of the amount yet. The Cash Store has not been so helpful, at least they haven't been rude yet. Just said it would have to go to their legal dept. at the Corp. level. Hopefully they will work with me. My bank (BOA) has also been very helpful in changing my account to a deposit only account and letting me call to tranfer funds when necessary.

Best of Luck to you and hang in there! Keep us posted

Okay, to get this strait, if I was unable to make a payment, that was the second payment on an EPP, Cash America Payday Advance cannot pursue any criminal charges, but can they try to levy my bank account? I know they can't garnish wages or anything, but can they go after my bank account?

Thanks

I have several payday loans out and want to know if anyone has ever heard of these companies: Loan Shop, Star Cash Processing, East Side Lenders and Loan Point? Three of them have threatened to go to my HR department and request funds be garnished from my pay. As it is I am struggling to repay the high interest rates on these loans. Can anyone help me with a solution on how to deal with them?

I'm in Dallas, TX. I have a current storefront PDL w/ Ace Check Cashing. I've had many PSLs w/ them on/off since Oct 2009....they've snowballed and i can't seem to get cought up at all. I called today (Jan 25, 2010) and asked them if they had a longer payout option. I talked to them about the snowball effect I've run into and she was very familiar with that term. They DO offer payments over 4 paydays. I owe around $ 400.00. I get paid every other Friday and my payments are going to be a little over $ 100 per check. Good luck. You've got to ASK them. Bon