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Dealing with debts on your own?

 
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PostPosted: Sat Oct 27, 2007 7:43 pm Subject: Dealing with debts on your own?

Are you better off dealing with payday lenders on your own or using an agency such as Langhorne?
nmcfall




Joined: 24 Sep 2007
Posts: 1

Debtcc Points: 42

PostPosted: Sat Oct 27, 2007 8:31 pm Subject:

Many of us have done it on our own. It takes a bit of work, but it is worth it. We can help you. Please list for us
Who are your lenders?
how much you have borrowed from each?
How much you have paid back to each?
Add fees and principle to get one total for each lender.
Are your loans store front or internet?
What state do you live in?
As soon as we get the info, we can begin to help you.

kashzan
Debt Samaritan

Debt Samaritan


Joined: 11 Jul 2007
Posts: 5463

Debtcc Points: 38905

PostPosted: Sat Oct 27, 2007 8:57 pm Subject: debt

EMG/Cashin30 minutes $500, paid 300
American Consumer Credit $400, paid 200
United Cash Loans $325.00, paid 400
Net Cash USA, $500, paid 200
Geneva Roth, $400, paid 500
CashNetUSA, $1500, paid 1700
Starlight Financial, $550, paid 1000
ACH Loans, $200, paid 140

All internet
Live in Nevada

Thanks so much!

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Register today to encash debtcc points.
nat
Guest






Debtcc Points: 100

PostPosted: Sat Oct 27, 2007 8:57 pm Subject: debt

EMG/Cashin30 minutes $500, paid 300
American Consumer Credit $400, paid 200
United Cash Loans $325.00, paid 400
Net Cash USA, $500, paid 200
Geneva Roth, $400, paid 500
CashNetUSA, $1500, paid 1700
Starlight Financial, $550, paid 1000
ACH Loans, $200, paid 140

All internet
Live in Nevada

Thanks so much!

_________________
Register today to encash debtcc points.
nat
Guest






Debtcc Points: 100

PostPosted: Sat Oct 27, 2007 9:16 pm Subject: debt

EMG/Cashin30 minutes $500, paid 300
American Consumer Credit $400, paid 200
United Cash Loans $325.00, paid 400
Net Cash USA, $500, paid 200
Geneva Roth, $400, paid 500
CashNetUSA, $1500, paid 1700
Starlight Financial, $550, paid 1000
ACH Loans, $200, paid 140

All internet
Live in Nevada

Thanks so much!

_________________
Register today to encash debtcc points.
nat
Guest






Debtcc Points: 100

PostPosted: Sun Oct 28, 2007 5:31 am Subject:
Latest Blog Post : Goals & accomplishments

Here is your state information for a place to start. Quote:

Quote:
Nevada State Information

Legal Status: Legal

Citation:
2005 Nev. Stat. 414 (A.B. 384)

Loan Terms:
Maximum Loan Amount: 25% of expected gross monthly income
Loan Term: Max: 60 days
Maximum Finance Rate and Fees: Not Specified (After default: interest rate must be equal to or less than the prime rate at the largest bank in the State of Nevada plus 10 %)
Finance Charge for 14-day $100 loan: No Limit
APR for 14-day $100 loan: No Limit

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: Not Specified (Lenders cannot extend payment period beyond 60 days after expiration of initial loan period)
Cooling-off Period:
Repayment Plan: Yes

Collection Limits:
Collection Fees: $25 dishonored check fee (max. two fees for insufficient funds; max. one fee for closed account) Court Costs; Reasonable Attorney's Fees; Service of process costs
Criminal Action: Prohibited (Unless customer acted with criminal intent)

Where to Complain, Get Information:
Regulator: Nevada Financial Institutions Division
Address: 2785 E. Desert Inn Rd., Suite 180 Las Vegas NV 89121
Phone: (702) 486-4120
Fax: (702) 486-4563
Regulatory Contact: , Supervisory Examiner
Regulator Website
http://www.fid.state.nv.us/

_________________
Working my way out of this debt, one day at a time!
fedupinpa
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Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21399

PostPosted: Sun Oct 28, 2007 5:38 am Subject:
Latest Blog Post : Goals & accomplishments

Make sure they are licensed in your state.
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Working my way out of this debt, one day at a time!
fedupinpa
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Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21399

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