Need advice concerning defaulted payday loans in texas

I had posted request and you asked for loan info. I had a problem posting reply. Hopefully it will post this time. I would appreciate any advice you may have to resolve this problem.
Internet Loans

The Little Loan Shoppe borrowed 300.00 Pd 360.00
I emailed them about arrangements and they emailed me back and stated I owe them 505.00 and can make monthly payments by money order.

NetCash USA borrowed 400.00 Pd 360.00
Someone from ZipCash responded to my email about arrangements and stated I owe them 520.00 and can make monthly payments by money order.

Cash Central Borrowed 400.00 paid 400.00 No response from them at this time

Store Front

The Cash Store borrowed 1500.00 pd 900.00 and still owe 1746.00

Quik Cash borrowed 400.00 pd 264.00 owe 521.17

First Cash Advance borrowed 700.00 pd 700.00 still owe 642
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I don't know if you have the laws for your state so I will post them for you.
Texas State Information (just select your state),

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

Also, a lot of storefronts in Texas operate as CSO's so they don't even have to go by the pdl law for Texas.

If Mary Kare still has her paperwork it should say whether or not they are a CSO on it.

It should state it on the loan documents. I'm noticing that a LOT of Texas store fronts are now operating as CSO's to get around the pdl law.

That much is drilled in my brain, I have seen it posted so much in reference to Texas

How do I find out if the internet loans are licensed in Texas and should I just try to pay the amt they say I owe. Do the store fronts have to let you try to make arrangements. I have talked to several people and have been told nobody can help with store front loans. I was paying almost 300.00 interest every two weeks on the largest loan.

Hi,mary kate! First of all, we'll need to know if your store fronts are operating as CSO's. If you have your loan documents, it should state it on there. Check them to see if they say anything about the store front operating as a CSO (rather than a pdl). Also, we can check to see if the internet ones are going to be licensed in Texas for you. You have:

Little Loan Shoppe
NetCashUSA
Zip Cash
Cash Central

Are these the only internet loans you have? The Little Loan Shoppe, I do not believe will be licensed/legal. And they're asking you to pay 505.00 after you've already paid 360.00 on a 300.00 loan? Has Net Cash responded to you at all? And who much did you borrow from Zip Cash and how much have you paid so far?

ZipCash is who responded for NetCash loan. They said I could make monthly payments totaling 520.00 for 400 loan that I have already pd 360.00. I haven't heard anything from Cash Central. I have pd them 405.00 for loan with them.
The Cash Store is CSO. I borrowed 1500.00 from them and have pd them 900.00. I owe them 1746.00. I sent certified letter asking for pay arrangements. No response at this time. I appreciate your help.

So NetCash and ZipCash are actually the same company? And The Cash Store is operating as a CSO. Great. That pretty much means they don't have to go by the state pdl law. They can pretty much charge you whatever you want. Nice. Oh, I think that just sucks. Do you need for me to check and see if your internet loans are licensed in your state?

Yes, please let me know if the internet are licensed so I can deal with the storefront loans. Thanks for your help.Do storefronts usually send letter letting you know what arrangements they offer. I sent certified letter asking for all communication in writing. I haven't heard from any of them at this time.

I am assuming NetCash and ZipCash are the same group.
I contacted NetCash but received email from ZipCash with same address as NetCash
ZIPCASH
314 N. Riverside Drive.
Espanola, NM 87532

I have been trying to find info online about The Cash Store which is storefront.This is the largest loan and the interest has been 296.00 every two weeks. The loans are financed through TreeMac Funding Group, LLC. Once a loan has defaulted does the interest and fees stop if arrangements can be made to repay the loan? Sorry for all the questions. I am trying to get a plan together before they start calling me.

marykate...actually many times they may ignore your letters...even if send cetified. It may be better to call them and try to set something up with them.

Morning, I may be wrong, but with store fronts don't you need to speak to them in person. I know that the epp can only be evoked before the loan defaults.

Cash Central is a CSO in Texas.