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Posted: Thu Jan 03, 2008 7:12 am

I feel like I am drowning in these loans. I honestly am not sure how I got to have so many but I need BIG help please. I will list what I know now and I'm still collecting information: I live in PA and these were ALL gotten on-line:

Zip Cash $300 have paid $450 in interest only so far

Pay Check Today $200 have paid $180 in interest

Cash Net USA $700 have paid $175 interest

Pay Day Max $570 have paid $590 interest $50 princp.

B & L Marketing $250 have paid $225 interest

Arrowhead $300 have paid $180 interest

Pay Day OK $500 have paid $457 int. and $50 princp

Pay Day One $200 have paid $120 interest

MTE/Quickest-Cash-Advance $300 have paid $180

Little Loan Shoppe $130 have paid $30 interest

My Loans USA $300 have paid $90 interest

United Cash Loans $300 have paid nothing so far

Loan Shop/North BA checking on

Loan Shop/Geneva Roth Capital checking on

One Step Cash checking on

I feel physically sick posting all of these. One thing led to another and WOW, BAM!!! This Friday alone almost $1400 is coming out of my account and only $150 is towards the principal. I thought I could hold off till income tax came and pay them off then, probably can still do that but boy leaves me with basically nothing left. Any suggestions.

I SWEAR I am going to become an advocate and NEVER do this again. It's amazing to me that I could even get so many loans as most sites say you can only have 1-2 other outstanding loans with other companies. Maybe that's why I got so many to prove them wrong, I honestly don't know why I kept applying. I obviously had/have an issue.

Thanks for listening,

Diane S.
Apple Fast Cash checking on

Posted: Thu Jan 03, 2008 7:17 am

First of all do not be ashamed. Many of us have been where you are right now. For starters, I will post the laws for your state. i believe that in PA, however, if a pdl is licensed anywhere , it is legal in PA.

Posted: Thu Jan 03, 2008 7:23 am

it says legal status prohibited, that means they are all illegal, right?

Posted: Thu Jan 03, 2008 7:26 am

Pa is one of the states that has a loop hole, If a pdl is licensed ANYWHERE it is legal in PA.

Posted: Thu Jan 03, 2008 7:36 am

Oh,that sucks!

Well that makes it kind of difficult to find out whats what

Posted: Thu Jan 03, 2008 7:42 am

We just need to find out if and where they are licensed

Posted: Thu Jan 03, 2008 9:32 am

Zip Cash is licensed, I'll have to look up where. They are legal.

Cash Net USA is licensed and lending under it's Nevada license. They are legal.

Payday OK and Payday One are licensed and lending under their Deleware license. They are both legal.

Those are the ones I know off the top of my head are legal.

Posted: Thu Jan 03, 2008 9:37 am

MTE is not licensed anywhere. So they are not a legal lending company. the same holds true for United cash loans , who are also MTE.

Posted: Thu Jan 03, 2008 9:41 am

Geneva Roth is licensed and lending under their Utah license. They are legal.

Posted: Thu Jan 03, 2008 9:46 am

ZipCash is licensed in Delaware
Geneva Roth is licensed in Utah but I don't think they are affiliated with Loan Shop

Posted: Thu Jan 03, 2008 9:56 am

There are a couple different "Loan Shops" . . . . I think technically it's The Loan Shoppe and Loan Shop. One is connected with Geneva Roth, and the other is not.