payday loans HELP

you taken money out of my old account that was nsf

We do not take any money from your account. We are not a payday loan company.

You need to contact the company you have a loan with.

I am very ashamed to say that I currently have 10 outstanding payday loans which interest on is being deducted out of every paycheck $1,397 per pay period to be exact. It all started when I stopped receiving Social Security checks because I was working fulltime and making "more" money than the $12,000 allowed by SS however once they stopped paying me I could not afford to pay my rent and bills and this went on for 5 months so I kept getting payday loans just to get by and now I'm overwhelmed. The social security checks are back again but I cannot catch up with my regular bills and paying the huge interest on the payday loans. I live in Illinois and currently have loans with: GECC Loan; USFastCash; Eastside Lenders; Greenlight Financial; Web Payday; United Cash Loans; Cash Capital and My Cash Now (this is embarassing) but somehow it just snowballed. Do you know if any/all of these are legal?

Never heard of Cash Capital. None of the rest are licensed in Illinois. Be careful with the terms "legal" and "illegal." Even if the Illinois authorities went after them for license violations, that doesn't automatically void the loan agreements. But there is good news:

1) If the state even threatens go after a lender, the lender usually folds his cards and cancels the loan.

2) Since your income is from social security that can't be garnished even if someone did sue you and win.

being in illinois myself i can tell you that the IL AG ms.madigan considers these illegal.why you ask.because i had alot of the same ones.filed complaints and she went to work.she also has the stance we have that if you borrow you should pay back what was borrowed nothing more.let me give you an example.

i borrowed 325.00 from GECC.they debited 392.00 from me in two months.i filed the complaints and got a PIF from THE ag's office.another i borrowed 300.00 225.00 was debited.she asked how i was gonna pay the remaning 75.00.BTW in alot of states if a lender isn't licensed or pdl's are prohibited.the contract is worthless.if florence can provide the following.

how much borrowed from each
how much debited by each in fees

we can help her from there.

I am in illinois and I currently have out 3 loans from the following

Paydayone.com : $1,000
CashandDash: 250
PDL: $300

Are any of these loan legal.. Also I recently closed thee checking account i had where they where debiting their money. Will they try to garnish my wages or take me to court?

paydatone is an installment loan,so you should make arrangments on that.never heard of the other two.hopefully someone has and can help further.

PDL that is $300......PDL Loan Center?

Yes PDL Loan center ( high country loans)

They are not licensed in my state, Texas but you need to look into IL law. CHeck out the thread on laws by state to help. PDL loan center is HARD to get in touch with. Have to mail or fax because tawni P. with "RBT loans" will return emails to you only telling you to call their number.

is emerald marketing licensed .. I had a $300 loan with them 3.5 years ago .. they now say I have 1 business day to either pay $1800 and they will not put it on my credit report or $900 and they will put it on my credit report but show it as paid and the other half written off and they are thretening criminal charges

emerald is not even located in this country.the US addres is a maildrop.this is a scam trying to collect on an old loan.they can do nothing that they said.debts are civil matters,and any entry can be disputed and deleted.i know because i have done it.i wouldn't speak to them again.chances are when you can't pay it.they will still call.again if they call again hang up as they can do nothing to you.

Oh my goodness THANKYOU SO MUCH!!!!!!!!!!!!!!!!!!!!!!!

I wrote earlier -- see the three previous posts.. the company is now calling themselves JB Wellington? I can't find them on the internet. They called my job and asked for the payroll department and asked them to call them back and give them an adress to send wage attachement paperwork too. It was the same woman who called me but she gave a different name to the payroll dept and two different phone numbers. Do you know anything about JB Wellington - the phone numbers are 877-822-1193 and 1191 and she is giving case numbers like 1853 - I reported her to the attorney general but I am so confused WAGE ATTACHMENT?

see the above three posts - I just got another call - then they called my jobs payroll department and asked for my jobs address so they can send wage attachment paperwork. It was the same woman who called me but she gave a different name and said she was calling from JB Wellington's office. she gave two different phone numbers and a different case number do you know anything about JB Wellington? and wage attachment ???? Is this part of the scam?

I had a payday loan with (cashsupply) that i didn't pay off b/c i was laid off. The orig loan amt was for $725 they said i owed $1770 total after a yr. Now they are threatening to take me to court. Im in Pennsylvania WHAY CAN I DO?????