Help In Tennessee

I currently have 3 loans out and just the interest payments are killing me. I know Tennessee is one of those bad states and was wonderfin what my best options are. Thanks for any help.

Total Lending- owe 300- paid 810
Fast Cash - owe 300- paid 665
Payday loan yes- owe 300- paid 360

I appreciate the help

I am thinking about putting a hard lock on my account and thanclosing it when my direct deposit goes through. Is this a good idea?

Any help?

Yes, you need to take care of your bank account. You need to protect it from any withdrawls. Read the sticky located here:

http://www.debtconsolidationcare.com...e-account.html

Now, in TN, companies only have to be licensed in a US state to lend legally. They would follow the laws of the state they are licensed in.

I know that Payday Loan Yes is not licensed in any US state.

There is a chance the other 2 are not licensed anywhere either. Do you still have the contracts?

I do have the one for total lending but not the others. I am going to the bank today to put a hold on all debits than close the account. What are my options? I appreciate the help

For Total Lending, I'm guessing it will have a "Choice of Law" clause in it - This is where they say something to the effect of "You agree to follow the laws of X State blah blah blah."

What state does it say?

Before you figure out your options, you need to know for sure if all the loans are unlicensed or if some of them do have a license. It makes a huge difference in your case.

I do not see a clause in it and it does not show a state, just the phone number 866-412-2369

This is some info 55 Frederick Street
CB 13039
Nassau, Bahamas

Phone: 1-866-412-2369
1-913-901-8013
Fax: 1-866-202-4634
1-866-379-7667
I have found on them:

Yeah, okay, they are out of the Bahamas. They are not going to be licensed in any US State.

So, Fash Cash . . . . Do you have any other information on them? A phone number? What exactly does it say on your bank statement for the withdrawls?

All I have is this in my account:
FAST CASH DES:PAYMENT ID:18236768
INDNxxxxxxxxx,,x@1098962 CO ID:9IB5

Do you have a phone number or anything else associated with it?

Thats all that I have, I dont even remember ever talking to them. I am wondering if they are part of payday loan yes. How else can I find out?

In a search I found that Fast Cash is Payday loan yes also

Where did you find that info?

I do not think that there is sufficient evidence to say that they are the same company.

Payday Loan Yes does have other names. But Fast Cash is a new one. Until I see something that proves it is the same company, I would not assume it to be. Phone numbers can go to call centers, where many different companies use it's services. Mail drops are the same. Just because there is a same address or phone number does not mean it's the same company.