Forum Articles www.debtconsolidationcare.com/rss/forums.xml Has anyone had any luck setting up a EPP with Speedy Cash? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A manager at Ace changed the date a payment needs to be in from Jan 31st to Feb 7th. I would like to know if in doing this, my DUE DATE has changed. The reason is I would like to ask for an EPP but if the DUE DATE stays the same, then today is too late. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Any information or address? Callback number: 855-264-5521 Called my sisters boyfriends MOM and left her a VM saying I was being sued. Ive never met the woman and I want to sue them. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I moved from Florida to Maine in August of 2007 (5 1/2 years ago). I had defaulted on several credit cards a couple of months before that time. 1. The Statute of Limitations in Florida is 4 years and in Maine is 6 years. Which SOL is valid? 2. I am starting to have a couple of these people call me and threaten suit. If the SOL is 4 years I am free and clear, if it follows Maine, how worried should I be (assuming that I defaulted around June/July of 2007) that they will sue me brefore the Maine SOL runs out? 3. If I can be sued should I offer a settlement and how much of one should I offer? 4. Should I ask for debt verification, proof of last payment, or anything else to help put this off hoping for the SOL in both states to run out? I just want to make sure I do this the right way. I am trying to get my life back on track after going through an extremem financial hardship. I understand I should pay what I owe, but at the same time, if the SOL runs out I would rather concentrate of anything still within the SOL. Any advice or help would be greatly appreciated. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am presently going through payday loan hell. I have five payday loans totaling $2500 (principal) or $4000 (with interest). Its been hard to get in contact with the collection departments. When I notify the store reps that I can nolonger make the payments they attempt to make arrangements where they only reduce a payment here and there. They tell me that they cannot put me in contact with the collection department until I am in default. All of the loans are storefronts and legal in Colorado. What steps do I need to take to get payments that would allow me to eat and survive? I am only seeking additional time to pay and in no way am I seeking to abandon my obligations. A few of the loans have went to collections. Below are my loans. Any assistance will be greatly appreciated. This is great website. Moneytree $500 Cash America $500 Mister Money $500 Checkmate $500 Payday Now $500http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am presently going through payday loan hell. I have five payday loans totaling $2500 (principal) or $4000 (with interest). Its been hard to get in contact with the collection departments. When I notify the store reps that I can nolonger make the payments they attempt to make arrangements where they only reduce a payment here and there. They tell me that they cannot put me in contact with the collection department until I am in default. All of the loans are storefronts and legal in Colorado. What steps do I need to take to get payments that would allow me to eat and survive? I am only seeking additional time to pay and in no way am I seeking to abandon my obligations. A few of the loans have went to collections. Below are my loans. Any assistance will be greatly appreciated. This is great website. Moneytree $500 Cash America $500 Mister Money $500 Checkmate $500 Payday Now $500http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im just looking to see if I did the right thing today. Ive been a reader of this group now for quite a while. I have 3 PDLs here in CT. I recieved an email last week stating that they will be selling my loans to a 3rd party collection agency. I just want these people off my back. So I sent them the letter in one of the templates on here stating that they were prohibited in my state and that I would pay back the principal balance. My loans are as follows: Plain green - Recd 700 paid 265 Great Plains - Recd 400 paid 2 pymts of 88.00 Mobiloans - Recd 550 paid 2 payments of 125. (Havent even heard from them) Was this the right thing to do? Are these illegal in CT? Thanks in advance....Im just a bit nervous!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can you tell me the legal payday loans for Indiana? I am underwater trying to pay these off. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, My husband died almost four weeks ago. Earlier this week, I received a letter from Dynia Associates in Chicago, in reference to a credit card debt of my late husbands from 2007. The text is: RE: Validation of Debt Documents Original Creditor: GE Capital Current Creditor: LVNV Funding LLC Reference #: (account number) Debt Balance: $1,239.96 DA#: (some five-digit account number) This letter is in response to your request for validation of debt that we received on 05/18/2012. We forwarded your request to our client and they have sent us the following documents: Bank Statements for (husbands name) If you have any questions, please contact our office. What these bank statements are, are credit card bills, several of them, yet basically five copies of a statement from 4/20/07 with a balance of $688.80, and four copies of a statement from 7/26/07 saying the balance was $0.00 with a charge-off of the principal and a charge-off of the finance charges. The debt was incurred originally when we lived in Iowa; weve lived in Minnesota since 2010. Dont debt validations have to be provided within days, not years? Did they somehow hear that my husband died and decided to see if Id fall for a fake DV letter? What should be my response, if any? Thanks, Amyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can someone tell me what this means????!!!! The Supreme Court has held that Indian tribes do not have inherent sovereign powers to try and to punish non-Indians for criminal acts. Oliphant v. Suquamish Indian Tribe, 435 U.S. 191, 98 S.Ct. 1011, 55 L.Ed.2d 209 (1978). On the other hand, the Supreme Court has also acknowledged that Indian tribes retain inherent sovereign power to exercise some forms of civil jurisdiction over non-Indians insemstrongon their reservations/strong/em/ins, Montana v. United States, 450 U.S. 544, 565, 101 S.Ct. 1245, 1258, 67 L.Ed.2d 493 (1981) (emphasis added). Hardins exclusion falls within the Tribes civil powers. [T]he regulation is designed to keep reservation peace and protect the health and safety of tribal members, Babbitt Ford, Inc. v. Navajo Indian Tribe, 710 F.2d 587, 593 (9th Cir.1983), cert. denied, --- U.S. ----, 104 S.Ct. 1707, 80 L.Ed.2d 180 (1984), and as such is a permissible and necessary exercise of tribal self-government and territorial management. Id.; see Montana, 450 U.S. at 564, 101 S.Ct. at 1257. Although Hardin attempts to characterize his exclusion as punitive in nature, retribution cannot be the goal of an ordinance that is triggered by a nonmembers crimes against an entirely separate, external state or federal sovereign. The United States has already imposed its own punishment for the nonmembers crime. The intent of the tribal ordinance is merely to remove a person who threatens or has some direct effect on the ... health or welfare of the tribe, 450 U.S. at 566, 101 S.Ct. at 1258--a permissible civil regulation of the Tribes internal order.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am not familiar with how to post a thread. is there an link on how to? thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im a Georgia resident and i took out an online payday loan with Great plains lending. They gave me 800.00, and Ive made 8 payments of 141.28. By the time i make my last payment the sum of all of them will be a little over 2500.00. I told someone about this and they told me that payday loans were illegal in Ga, had i known this and all of the extra money I would have to pay back I wouldnt have done it..is this info true? Will I have to pay the loan back in full?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can anybody tell me about a company name Check Systems who claiming to represent BMG payday loan co.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loan that is ACH debited every other Friday. It shows up on my checking log as LOANSHOPRIVERSI. I cannot get my email which I used so I have no contact info. Has anyone ever heard of them and if so do you know any contact information. Thanks!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a VIP preferred card that I used in casinos. Its basically a debit card that takes money right out of my checking account. It can only be used in casinos, as far as I know. Once I use it the funds do not come out of my bank account until two or three days later. One day I used the card and a couple days later I did not have the funds in my account. So now Global Payments says that I owe them 2,500 dollars. Does anyone know if they report to credit bureaus? I really do not want to pay them. A lawyer told me they will not take me to court over it. I have a gambling problem that has done a lot of harm. I just dont want to pay anymore. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ just need to know if these are legal in state of ohio,cash advance,advance america,fast cash,ck marketing,123 cash depothttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How long does judgments stay on your file at the court house and on your credit report?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just registered but havent received the email confirmation yet... I would just like to say thank you to everyone in this community, I wish I would have known about it before paying thousands of dollars in fees on these ridiculous payday loans. I can’t believe I got myself into this mess, but because of all of tips in this community I am finally making some progress. I should note that I live in MO. Below are the loans that I had and the progress I have made so far: Cash Jar - $1000 – paid $1587 IdealGelt - $500 - paid $482.00 Advantage Cash Services - $700 - paid $1540 White Hills Cash - $450 - paid $1780 United Cash Loan - $750 - paid $1907 SGQ - $400 – paid $1470 Payment Direct Online - $300 – paid $1780 PDL Now - $300 – paid $445 Fireside Cash - $500 - paid $525 Advance Me Today $700 – paid $702 National Payday - $400 – paid $532 Blue Star Results - $300 – paid $1513 Cash Jar - sent letter on 1/28, have not received a response IdealGelt - sent letter today 1/30, web shows $175.00 in collections Advantage Cash Services - sent letter today 1/30 requesting PIF letter White Hills Cash – received PIF on 1/29, but would like to press for a refund United Cash Loan - sent letter today 1/30 requesting PIF letter SGQ – received PIF Letter 1/28, anyone have luck with a refund from this one? Payment Direct Online – sent letter 1/28, no response PDL Now – sent letter on their website 1/28 because I have no email address for them, now my login is locked and no way to contact them Fireside Cash – sent letter 1/28 and 1/29, received PIF today 1/30 Advance Me Today – sent letter 1/28 received response 1/29 with their normal – we are a St Vincent company, state laws do not apply to us BS. Working on a reply National Payday – sent letter 1/28, no reply Blue Star Results – sent letter 1/28, no reply If anyone has any tips on CashCall, let me know, I read they are actually legal, I originally got the loan through Western Sky though. I have a loan for $2500.00 with them and was late on one payment. So far I have paid $2000 but it has all went to interest, they sent me a letter saying if I did not pay then I would owe for all interest and fees for the course of the loan which would amount to about $14000. Yikes! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok here is where I stand I decided to pay of mycashtrasnfercenters.com The two with Discount Advances is being hard headed they are requiring me to promise payments and said that if I did not pay them that would be braking a promise. Oh and yes the emails to the support email address do bounce bank so i faxed the letter like someone told me to do. Ameriloan I have sent letter and got no response. one I only owe 130 but have paid over 725 dollars on a 300 loan. Usfastcash Sent letter no response and i have a hard time hearing them on the phone not sure what that is about. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Was wondering if anyone can help me. I have a payday loan for $300 from LOANSHOPRIVERSI which have been paying $90 every other week since the beginning of August. I was under the assumption that the loan would be paying itself down, but it apparently does not and I still owe $300. I have lost my email account since and cannot find any way to contact them. Does anyone have any contact info for LOANSHOPRIVERSI?? thanks!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loan through the Loan Shop Riverside for 300.00. i was thinking the loan would pay down but I have been paying $90 every other week since the beginning of August. Is there anything I can do. they say I have to pay $390 next week but I already paid them over a thousand dollars. Thank You in advance for any help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a open loan with Plain Green and I have paid bi-weekly payments of $126.74. My financial situation has changed and I cant afford paying that much every other week so I called them and asked if we could work out a more suitable payment plan and they said flat out no. At this point what are my options? Are these loans even legal in Michigan? Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I cannot seem to find the letter for legal payday loan lenders when you want to request an extended payment plan. Can someone help me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have an account with them and I have not paid them every month and am behind on payments. They keep calling me several times a day pretty much every day. They changed my monthly payments from 36 dollars a month to 50 dollars a month. I am not working and cannot afford 50 a month. I told them this and they will not go down on the payment amount. They told me that if I do not pay this month that my loan will go to a third stage collection.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Heres the info: I live in Texas Hydra Fund III (1888-302-5351) $250+$75=($325) Cutter Group (855-417-4419) $250+finance charge? UnitedCashLoans $550+$165=($715) CheckNGo $500+$127.19=($627.19) CK Marketing $275+finance charge? Greenwood (855-871-9317) $250+$75=($325) Ace $600+$183.92=($783.92) I had 3 other ones but paid them off on the first due date. Ive read that if they are operating illegally I dont have to pay...is this true? I also read on a federal website that it is against federal law to have direct debit account withdrawal as a stipulation in a loan...is this true? How can I go about handling this by myself? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ does anyone have any experience with a company called check systems llc they are a debt collector out of new york called me 5 times in one day all within about 30 mins its for a debt from a company ive never dealt withhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello - I sent a DV w/ receipt within 30 days of initial contact from a local law firm acting as a CA regarding a debt of approx. $4,000. I never received a response though was served a summons to appear about 45-60 days afterwards. Since the firm never responded to my DV and I have proof of such what should be my next steps? Our civil court matters regarding debt collection are rather informal as the presiding judge does a roll call then all present proceed to another room with the firms lawyer to discuss each case privately. I know this as I have previously settled a debt with another CA and appeared in court regardless to ensure they dismissed by case. That CA provided a full DV. Thank you http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. My husband just recently bought a house and I wasnt part of the loan but he put me on the title afterwards. He got excellent credit and he doesnt know anything about my debts and I dont want him to know at all. I got into credit card debts around 30k in total and I recently got less hours in my job and I can no longer pay anything anymore. I stopped paying all my creditors at the same time. Now Im leaning towards debt settlement on my own but Im not sure if its the right decision. What should I do? I dont want my husband to know and I dont want him to be a part of my stupidity. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My Experian report show comenity/Cathrins and Im trying to just get this erased off my report and the person I talked to at comenity says I have to call Experian? Really dont understand.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently have 5 internet payday loans out. I am an Indiana Resident. !--break-- White Hills Cash- $400--- paid $305.00 so far !--break-- Cash Direct Express- $400.00 --- paid $570.00 so far !--break-- Sure Advance $300.00--- Paid $338.25 !--break-- AmeriLoan $500.00--- Paid $300.00 so far !--break-- PayDay Mobility $200.00--- Nothing paid so far. !--break-- This is the Letter I sent to ALL FIVE of them on 1/23/13! !--break-- I went today, closed my bank account (no problems!! YAY!!), and sent the Revocation of ACH, Wage Assignment, and Cease and Desist letters, via E-mail. I also took a Revocation of Wage Assignment and Cease and Desist letter to my HR department at work. Could anyone tell me if this letter sounded appropriate? I did take little bits of information from various posts on here. Also, I deleted all of my info, to protect myself, and my accounts. !--break-- This letter is to inform you that I am aware of the FACT that the loan you issued to me, is NOT legal or binding in my state. For your convenience, I have included my state payday loan laws below. !--break-- (Insert your state’s payday loan laws here) The state of _____ (The state you reside in) requires Internet payday lenders to be licensed in MY state. I have already researched this information, your company does NOT have a license to lend in the state of ______ (The state you reside in), if I am mistaken I will need proof in the form of a license number, so that I may verify it with my Attorney General. I am bound by the state laws where I reside. As I have no presence in your state, therefore I have no legal obligation to the governing laws you may have detailed. !--break-- Be advised that as of today _______ (Todays Date) I am revoking ANY and ALL ACH authorizations with your company from debiting any AND all of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I also revoke ANY and ALL wage assignments I may have signed, by you, including but not limited to; any of your affiliates, dbas, and collection agencies assigned to this account. None of the above, any longer have my permission to access my accounts or impose a wage assignment. !--break-- I will only communicate to resolve this matter via email or United States Parcel Service (USPS). I am requesting in writing, that you do not contact my work by phone, since my workplace does not allow personal calls, and doing so will be in violation of _____ (State you reside in) State Law, and will be reported to the _____ (State you reside in) State Attorneys office. If you ignore this notice and attempt to contact me or any of my references via telephone, you will be ignored and any payments owed will be delayed. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $_____ on _______(Date deposit was deposited into bank) and have had __ (bi) weekly withdrawals totaling $______ debited from my account. I am willing to repay the $______ balance via Money Order (by USPS) in __ monthly installments of $______ each. However, no address means NO payments, this is not negotiable. !--break-- If you do NOT reply to this notice within 48 hours I will be forced to file complaints with _____ (State you reside in) Attorney General, _______ (Name of Attorney General), the BBB and the Federal Trade Commission. If you reply to this notice with any misleading legal implications, or menacing course of actions you are unable to follow through with, I will be forced to take actions against you which could cause you to lose your license in the state of ______ (State the loan company is located) and cause damage to your reputation, which could potentially decrease your clientele. !--break-- Sincerely, (Your Name)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am new to this site, but have found the responses to be so well worded. Here goes my dilema: I have taken out a few, what I always considered Internet Pay-Day Loan but have to find out some of these are considered Lines of Credit instead. I have paid most of them off directly- but in November, I had a Collection Agency for one I defaulted on scare me that if I did not make an immediate payment, that I would be placed under arrest for fraud. Yes, I defaulted on the loan. My bank account closed my account NOT ME. But, they scared me straight into making arrangements and I took care of it. With money that I definatley did not have. Well it is done, but now... Now it is the end of January and I have a company called Frontier Financial chasing after me for a debt with one of these Online Lenders/Line of Credit/PDL companies. - They are all predatory lenders, truthfully. I have asked them to send me a Proof of Debt letter, and a woman agreed to send me an email. After that she told me the call was recorded and started asking me more questions. Investigative questions. I told her after I recieved the email, then I would be willing to call her back. She pressed me with a few other questions, to which I told her, upon reciept of the email verifying the debt, then I would call her back. She said I would have it within 24 hours and wants me to call her back BY TOMORROW MORNING! What do I do? I was planning on paying the debt with the original Lender with my tax money, via Western Union. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call at work to call 866-606-9942 for me to call them urgently. When I did call them back they mentioned that they had 2 accounts witht hem. One was from a PDL that I had in 2006 (I know for a fact that I paid it off) and the other one from Bank of America for $4,200. I am saying What?... When was that account opened and how come it doesnt even show on my credit report. The woman said that it was from 2002 that BOA charged it off and now they want their money back. I told her that the SOL has expired, was charged off and didnt even show on my CR. She said that after 7 years it drops from my CR but that now their client (BOA) wants to collect their money. What a bunch of bull****. Since I refused to make any arrangements with her, she said that she was going to send it for appropriate action. What did she mean by that? Should I be concerned? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was granted an installment loan in Alabama. However I live and work in Georgia. Is this legal?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a long standing debt with WAMU for an old credit card. Several years ago, I was contacted by an outfit in Houston, TX. I made arrangements with them to make payments on the debt. I sent them quite a few payments; never heard from them again. I got concerned and wrote, asking for an accounting of the payments and the debt; no answer. Concerned that I was sending money to a black hole, I stopped sending payments heard nothing. Later, I got a privacy statement from a CA Holding, Inc.. I should have investigated but I expected to hear something from the company, so forgot about it. Since then, Ive gotten three more of these privacy statement things but nothing else. Yesterday, I get a call supposedly from an attorney in Wichita, KS, saying that theyre acting for CA Holding and trying to collect a debt. They proceeded to tell me what debt and how much I had paid toward it. The woman said they had sent a letter to me as of 1/1/13 saying they were collecting for CA Holding, Inc.. I told her I hadnt gotten a letter and she said, I called the place at (the UPS Store where my mail goes) and they said they had gotten it. I thought this was unlikely but didnt challenge her. (After work, I went to the UPS Store and told my friend, the manager, what Id been told. She got a good laugh out of it and said that there was no way theyd say that because they dont pay attention to where the mail is coming from unless its registered theyd gotten nothing registered for me.) The woman from the supposed law firm put me on hold, saying she would talk to her manager. After five or six minutes, a man came on the line. He asked me some of the same questions the woman had, then put me on hold again, saying he would ...contact the client. He came back on the line saying that I was very lucky because the client was willing to reduce my debt considerably. They would waive half the debt. I told him I wanted to go over finances with my husband and see how much of a payment I could make. He then said that I would have to pay the entire amount they wanted at one time or they would take me to court Id go to jail. I told him to back up a minute and clarify something -- was he actually telling me that if I was willing to make payments (now that I knew who these people were what they wanted) that they wouldnt take any money from me unless it was the large amount he had stated? He said, well, the client wants this debt off their books, so its the amount stated or court. Im to call them back today to tell them if I can pay the whole amount, which I cant, of course. What should I tell them besides that? Please advise!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am getting calls from collectors who are trying to collect on a payday loan that was supposedly taken care of by Progressive Debt Relief program a few years ago, what do I do....should I call the actual payday loan company or call Progressive, the calls are getting rediculous and they are now calling family members of mine, Im getting so stressed out about this, please helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive received a FINAL NOTICE letter from P.N Financial addres listed as Skokie IL 60076 This letter lists Original Creditor mycashnow and gives an original account number plus a P.N. File number. Current balance 831.42 It goes on to say that I have been repeatedly advised of a long overdue balance and can avoid further penalty and interest by resolving the matter by 01/25/2013, and is my final opportunity to resolve without additional penalties in interest. Following paragraph reads that P.N Financial has agreed to accept the amount of 540.42 to settle the above referenced account and must be received in their office by 01/25/2013 dated no later than 02/08/2013 and once payment clears I would receive a release letter showing a zero balance within thirty days thereafter. It is signed Glen Pellettrei then gives me payment options of credit card. check by phone and Money gram I am an Ohio resident. I have dealt with mycashnow in the past not realizing they arent a legal payday lender in the state of Ohio. Its been a long time ago and I honestly dont recall rather I paid them off or not. Its strange that I have had no communication from mycashnow and dont even remember how long ago it was that I did business with their company. This letter was my first communication from this collector. How should I proceed? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I sister has been getting calls from 855-483-1856 and 855-849-6236 . The numbers belong to BOURDO JILIANO a collection agency. They have been harrassing me. Does anyone have information on this collection agency. Is this a scam???Thanks for your helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just recently got a 1099C from the Toyota corp, for 3,169.66 for a car that was repoed back in June of 2006. I dont know what this means there was not identfiable event code and I am scared I dont know what this means can someone help me and how does this affect my tax return especially my refund? Thank you. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a call today from a 972-643-6600, I thought it might have been someone from a PDL so I said I was not at home. I called the number back after wards and found out it was this law company. It says they specialize in Bankruptcy and loss medigation. I just missed my first payment so I dont think it has gone to a lawyer yet but I was wondering if anyone here has ever received a call from these guys?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can someone tell me if Dollar Flash is legal in Louisiana. I read on here that they were illegal in the state of Louisiana. I send them an email because I borrowed 200.00 July 1, 2012. They have been withdrawing 120.00 from my account since July 31, 2012. I sent them a letter telling them not to try to withdraw anything more from my account. Im only obligated to pay them the original amount borrowed with no interest, and that Im due a refund of 400.00. This was their response: There is some one reviewing your account. If you go to the web site you will see that we are lic. when i hear something different i will contact you back to give you the results our number here is 866-435-0347. What should I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ The loan agreement you entered into with Ameriloan was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Indiana. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma. !--break-- Please see the attached settlement offer: !--break-- Balance Due: $650.00 !--break-- This offer is being sent to you as an offer to settle the above referenced account. Ameriloan is currently offering $350.00 as a settlement in full on the above noted account. !--break-- If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-394-0089 Ext 237 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@ameriloan.com. Payment must be received by Ameriloan no later than the close of business on February 15th 2013. Payment must be made via ACH and or the use of a debit/credit card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like Ameriloan to automatic debit the amount, please give permission via email or call us at the number provided. !--break-- Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account. !--break-- We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-394-0089 Ext 237 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@ameriloan.com. !--break-- SETTLEMENT OFFER !--break-- Payment(s) 1 !--break-- Amount $350.00 !--break-- Due Date:2/15/13 !--break-- Method of Delivery: ACH Respectfully, !--break-- Ameriloan Compliance Department !--break-- Phone: 1-800-394-0089 Ext 237 !--break-- Fax: 1-800-475-6913 !--break-- !--break-- !--break-- !--break-- !--break-- What should my response be? Just to re-cap I took a $500 loan from them on 12/24/12 Ive re-paid $300.00 I owe (principle) $200.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just got notice that my wages are being garnished - apparently I missed the 30 day notice. I know theres nothing I can do now (aside from filing BK which is cost-prohibitive at the moment), however reading through the form it says its only good for 60 days. If the amount isnt paid off by the end of that period, will they have to send another notice before being able to re-start the garnishment? I dont even know if its going to be worth it but was wondering if there was anything I could do at that point. This is sort of related, but I noticed that the address in the documents shows an address in another state that I havent lived at in over 3 years. Is that where the notice would have been sent or, because they have my current employer, would it have been sent to my current address and would it have come certified or anything like that? I never received any certified letters, which is why I was wondering. If they have to send another notice, Id like to make sure I get it this time. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok this morning I emailed and faxed the letters revoking the ACH. No contact with them since and now I tried to login to my account and it says to contact credit protection depot .http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been having my wages garnished for the past 6 months and would like to try and fix this problem. I have been looking online to see if I could consolidate my loans and havent found a straight answer. I have around $29,000 in student loans. Can I consolidate my student loans that are in garnishment? I applied for student loan consolidation here: www.loanconsolidation.ed.gov I just dont want to wait around if there answer is for sure NO. Would love any input given! Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ In california my husband took out a loan online with northcash for 500.00 to date we have paid 360.00...i am wondering if anyone knows if this company is liscenced in california as i have looked it up on ca dept of corp and cant find it...I too have been caught in the payday loan trap and am almost out but need info on this last lender...from what i have they are in montana and may be on a reservation...I am unable to close my bank account but am hoping i can revoke my ach and let them know i have paid 360.00 towards my 500.00 and that I will send them the other 140.00 and nothing more but am unsure if my bank will back me should they still debit my account...any info on this company will helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive posted before and received great help. Now, most of the PDL companies have followed the arraignment instructions stated in my email. However, there are a few still calling me at home work and threatening to send some document to my job. Ive notified my bank job of the fraud but Im so stressed out. Can they do this? The main culprits are: Spektrum 500 -Ive emailed them twice. I cant find a physical address. I told them not to call me but they continue and are rude. HydraFund- had a company contact me named Eerie Mitigation threatening to have my pay check garnished. Ameriloan US Fast Cash-says theyre legal because they are governed by the laws of The Miami Tribe of Oklahoma. They wont accept me paying just the rest of the borrowed amount. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive posted before and received great help. Now, most of the PDL companies have followed the arraignment instructions stated in my email. However, there are a few still calling me at home work and threatening to send some document to my job. Ive notified my bank job of the fraud but Im so stressed out. Can they do this? The main culprits are: Spektrum 500 -Ive emailed them twice. I cant find a physical address. I told them not to call me but they continue and are rude. HydraFund- had a company contact me named Eerie Mitigation threatening to have my pay check garnished. Ameriloan US Fast Cash-says theyre legal because they are governed by the laws of The Miami Tribe of Oklahoma. They wont accept me paying just the rest of the borrowed amount. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello all, I posted this about an hour ago...and i came back to see if there were any replies and i noticed that for some reason its not posted.....but my question is....PDLs are illegal in Ny and i know that and have closed down my accounts and some companies worked with me and marked my accounts as paid in full....some wont work with me and say they are sending me to collections....if theyre illegal in NY can they effect my credit report??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello All, i know PDLs are illegal in NY. i have closed down my bank accounts and some of the PDLs marked my accounts paid in full....others wont work with me and said they will send me to collections. Since these loans are illegal in NY - can they effect my credit report? thanks jenn http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i live in MS. I have 5 payday loans currently and i want to know if anyone knows if they are legal to operate in my state. they are as follows hydra fund 2 $300 principal with $90 withdrawn every 2 weeks since oct. 2012 500 fast cash $200 with $60 withdrawn every 2 weeks since 12/13/12 United Cash Loans $200 with $60 withdrawn since 12/15/12 green corp cash $300 with $90 withdrawn every 2 weeks. These are all online companies. Im desperate for any info anyone can give mehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ It will be one year in March since I filed, my payments are garnished out of my checks. I just wrecked my car and I dont know for sure yet, but I think its totaled, the loan was included in the bk. I went to JD byrider today just to see what my options were and he said as long as i was still in chp 13, nobody would approve me for a loan. I dont exactly have a couple grand sitting around to buy a car. SUrely this can be done some how. I do have a famlily member willing to to cosign. I emailed my lawyer and he said, I needed to find somewhere that would give me the terms of the loan, int rate, etc and then he could petition the court for me to get a a new loan. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been getting phone calls from a collection agency out of buffalo ny saying I owe cash net usa money. They said they will have me arrested on check fraud charges. Can they do this.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am preparing to send CashCall the letter that I got off this site with my principal only repayment terms (originated with Western Sky). My bank account is closed so that part is already taken care of. Has any one had any success with them accepting the terms? How long did it take for them to respond to you? Thanks in advance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, The amounts I have: Payday one 1100.00 paid 267.00 per pay check Western sky 2000.00 paid 300.00 a month. 9 months Bottom dollar 500.00 paid 150.00 pay check. I have paid for 3 months Ace express I cannot remember the borrowed amount I pay 211.00 a month for 6 monthes. I have 2 monthes left Spot loan 500.00 58.00 every 2 weeks. I have paid 5 months. I have to april to pay. From what i am understanding is the PDL and CSOs are legal in Texas. If that is the case, am I just out of luck? I am going to close my account. What can they do to me if I do that? I am tired of being in this mess, and scared of the ramifications. These pay day loans have taken over my life. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Not sure if this belongs in this forum or the credit reports forum, but here goes... I had a couple of credit cards that I defaulted on when I lost my job back in 2009. They have each been turned over to collection agencies. Im back on my feet again and would like to try and clean up my credit score. How do I best go about this? Do I pay the collection agencies? Do I pay the original debt holder (the card company)? I want to do this in a way so the accounts will reflect as paid in full on my credit report.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What are laws in Virginia regarding out of country on Online lenders? I didnt know about that part until I tried to contact these people! I had fraud go through my bank account had to close it and couldnt get this info to them. Now I am getting nasty threatening calls from some guy claiming I am going to be arrested. Is there a site to turn them or him in?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have three storefront payday loans out and Im in Nebraska. Im current with all three loans, but it is a vicious cycle of having to pay off and rewrite each month. I just want to be free from them. I have poked around on here and read about EPP (extended payment plans) and want to go that route. How do I go about this? How long will I have to pay them? Do I just go into each store and talk with the manager? Can they refuse? My next due date isnt until January 31st (Im paid monthly) and I would like to get EPPs set up on all three before then. Check n Go - $500.00 EZ Money - $500.00 Paycheck Advance - $500.00 If you have any advice or information that would help me know what to do and expect, please let me know. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I lost my job at the beginning of the year and have moved twice with no luck in finding another... and I am currently 8 1/2 months pregnant. Needless to say, I havent been able to pay my debtors in a while. Ive recently been receiving help from my partner so I am trying to get back on track with all of them. Today, I recieved a summons from a credit card company that I owe around $650 to. I feel that I can pay them something now, as I had intended to do, before I was summoned. Is it possible to set up payments now? Even after they have decided to sue me? I dont have anything they could seize and no open bank accounts or income for them to tap into. What is my first course of action? Im not trying to get out of paying, I know i spent it so I need to pay it back. I just dont want to dig myself in deeper or wind up in some sort of trouble. I want to get all of my debts straightened out so that my child wont struggle from my problems like I did my parents. Right now I just dont have the money to pay it in full. Any advice is welcome. Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I borrowed $300 from MyCashNow, for which they charged me $59.94. I have repaid this in full. I didnt know any better til I joined this forum. As I am in New York, the amount of interest they charged was illegal. Because I paid the loan off, I can borrow from them again. Im toying with an ethical choice I guess - do I borrow another $100 from them and then refuse to pay it back because the loan is illegal, just to get my money back? Id even be willing to send them back the $40 difference to square the accounts. I suspect this would be my only way to get my money back, as I doubt they would send me a refund. Anybody done anything like this before?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Greetings... i am hoping that you can assist me with this problem. (thanks). I had paid IMR Collections for a pdl in March 2012 . paid settlement of $300.00. I have the settlement in writing and a debit card receipt. a new collection company is now sending me the same debt with a balance of $210.00. The first company IMR is now closed (lynnwood, Washington) Please help ... I live in Florida and the orignal APR was over our states limit (apr 790%) How should I handle the second collector ?? thank you Lender -- M1Y Direct Original loan was $300 I Paid back $390 on original loan plus $300.00 to IMR collections now Allgate collections has sent a collection letter for $210http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey guys, it has been a while since I have been on here. Life kind of took over and now life has hit the skids. So to make a long story short, My family was also hit by the bad economy. We had our debt managed and getting our credit score up there. Then I got laidoff, my wife was laidoff she has been able to find something. I havent been able to yet. We fell behind on our auto loans, bills, and rent. We moved into a smaller place with a lower rent and lower utility bills. We have a judgment for past rent, we have been only 30 days behind on one of the cars (it is also co-signed with the mother-in-law, which is why we have been paying that one first.) The other car has a repo order out on it and has been charged off by the finance company. The Repo Company threatened my brother 10 days ago the they have a replevin order for my car and they will go to the sheriff and charge me with a class 3 felony for with-holding collateral (even though they have NEVER contacted me about getting the car). So the wife and I have been tossing the idea of bankruptcy for the past 9 months. We have decided to do it as we have no other choice now. We need the new start and are filing chapter 7. We cannot afford an attorney and are going to be doing this on our own. We have filled out all of the forms and are filing on Tuesday the 29th. We do NOT have anything of value. Most of the valuable items we have had to sell to keep up with the bills. We have printed all 3 of our credit reports so that we make sure we have every account out there. Now for a couple questions. 1. Car with mother-in-law co-signer: Can we just turn this car over to her (signing a quit claim deed) so that our filing does not affect her? 2. 2nd car (only car worth $6200.00) In the state of Illinois we are allowed to double our Exemptions. So does this me that we can use a $4800.00 Motor Vehicle Exemption and use the unused portion of the $4,000 ($8000.00 doubled) wildcard to cover the rest, which would allow us to keep the 2nd car (which would end up being our ONLY car)? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I was wondering where the templates for the ACH revocation letter is located. I am unable to find. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in a financial mess. I have the following pay day loans out in Texas: Ace express Spot on loans Payday one bottom dollar western sky From what I was reading, all are legal in Texas. I need out of this financial mess. It has cost me a home, and almost my car. I keep reading about a letter, and the one I found quoted alot of laws, and stated it was for illegal PDLs. I just need to know where to start. I want to close my account. If I do that, what are the PDLs remedies? My credit is in the sewer now. Any and all help will be greatly appreciated. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi Everyone: I just wanted to share my story with everyone. I was drowning in payday loans (I live in Indiana). The following is what I had borrowed and paid: United Cash Loans: borrowed $650 / paid $1492 (worst one....I know) Ameriloan : borrowed $600 / paid $944 Cash King: borrowed $700 / paid $756 Silver Cloud: borrowed $400 / paid $820 Plain Green : borrowed $ 900/ paid $646.30 Western Sky: borrowed $1500 ($500 processing fee) / paid $68 I was about to go crazy!! I was paying out more than my bi-weekly check to satisfy the fee. I was about to go to the attorney to file bankruptcy when a Google search pointed me to this forum! It saved me from filing!! I emailed the letter provided on this site with some of the verbage replaced for Indiana regulations, and the following are my results: UCL: Currently looking into it Ameriloan: see email below Cash King: PIF statement and refund of $56 Silver Cloud: PIF statement and refund of $420!!! :o) Plain Green: letter of no wrongdoing and settlement offer of $253.70 paid in 6 installments Western Sky: what a fricking mess!! Same as others I have read about here. They keep sending me my loan agreement and quoting tribal legalities Here is the email I received from Ameriloan: Thank you for your correspondence regarding your account. We are disappointed that you are no longer satisfied with your loan. However, the loan agreement you entered into with Ameriloan was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian tribe. In addition, it has come to our attention that the form you are using for your correspondence originated from a forum on the website http://www.debtconsolidationcare.com/ . Regrettably, posters on these types of forums tend to traffic in misinformation and mistruths. Often, forums of this nature advance the incorrect theory that form complaints and letters will absolve customers of the obligations set forth in the valid loan agreement entered into between the customer and Ameriloan. Notwithstanding, Ameriloan takes pride in its customer relations and has reviewed your account to ensure that all debits and payments were in accordance with your loan agreement. Upon review, your transaction history shows that all debits and payments on your account were correct. As such, Ameriloan will not be issuing a refund on your account. Should you have any further questions concerning your account please call our Compliance Department at 1-800-394-0089 Monday–Friday 8:00AM-3:00PM CST, or email the Compliance Department at compliancedepartment@ameriloan.com. Thank you for your time and consideration in this matter. Sincerely, Ameriloan Compliance Department compliancedepartment@ameriloan.com This is the email I sent in reply to that one: While my initial email may have been a form letter, I do not issue these lightly. Further information was gathered through the office of the Indiana Attorney General and the Federal Trade Commission. No matter your reply, tribal lending or lending by ANY lender that is not licensed in this state is illegal and invalid. If you will not issue my refund as requested, then a chargeback process will begin on the last transactions of my account which were done on my debit card. Since I am expecting the same reply from United Cash Loans (another of your companies), I will do the same there. I will await my replies from the Indiana and Oaklahoma Attorney General as well as the FTC with whom I have registered complaints. Strange it is also that you will not issue a refund for overpayment whereas Cash King Advance and USA Money Shop would. Anyway, my pursuit of this matter is not finished. I do appreciate the PIF letter. Kindest Regards!! So, I am not finished with Ameriloan and UCL. I am a bit concerned with CashCall/Western Sky. I have not checked my credit reports yet to see if there has been any activity on those with CashCall. I have not received a reply to my settlement offer with them so I dont really know what to do. I have filed complaints with the Indiana Attorney General and FTC over CashCall/Western Sky and will be contacting the Indiana Department of Banking and Finance to see if I can find any relief. I do want to payback any money I received from them but they seem to want the all or nothing approach and bully me into continuing my agreement with leaglease and scare tactics. Do I just wait or should I try to send them the installments? Do I wait for them to turn me over to collection and go from there? I am just so amazed how easy these companies make it to fall into this cycle and trap. I was borrowing one to pay another and it just got so out of control. I just cant thank this forum enough for reducing my stress level and my ability to sleep better at night now!! I will follow up on this forum and thread should I hear anything or receive further refunds. Jessica Butler http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, Is there a way to find out who currently owns your old debt ? It doesnt seem to appear on your credit report, or am I missing something ? Thank Youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have some loans out. I am trying to see if they are legal and real. some of them are taking several payments out of my account. the companies are: gti holdings, payday mobility, and netpDL.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello All, I am new to the community and I have questions regarding my situation. I have read through many of the threads and I am very confused as of what I should do. I live in the state of NC and I now know that pay day loans are prohibited. I currently have several pay day loans that I am in a position to pay off in full. When I contacted the companies, the amounts were way more than what the principle balance was which I didnt budget for. I would like to pay them off as soon as possible. I have already closed my bank account and opened a new one that they do not have access to. The details of the loans are as follows: ***** Plain Green Loans Principle $800 obtained on 11/8/2012. I have made total payments of $602.45 all have apparently when to interest. My balance as of today is $950.37 which includes (1) NSF of $30 since I closed the account. This company is a triball lender owned by the Chippewa Cree Tribe of the Rocky Boys Indian Reservation, Montana ***** Great Plains Lending Principle $800 obtained on 10/9/2012. I have made total payments of $955.29 all have apparently when to interest as well. My balance as of today is $926.83 which includes (1) NSF of $30 since I closed the account.This company is a tribal lender owned by owned by the Otoe-Missouria Tribe of Indians. ***** PayDayMax Principle $290 obtained on 12/4/2012. I have made total payments of $115.10 as an extension fee My balance as of today to pay off is $422.15. This company is based out of Canada. ***** United Cash Loans Principle $800 obtained on 11/5/2012. I have made total payments of $480.00 as an service charges My balance as of today to pay off is $1040.00 This company is a tribal lender owned the Miami Tribe of Oklahoma. ***** USFastCash Principle $750 obtained on 11/27/2012. I have made total payments of $450.00 as an service charges My balance as of today to pay off is $975.00 This company is a tribal lender owned the Miami Tribe of Oklahoma as well. I am concerned with Plain Green and Great Plains because they market themselves as installment loans. The others a payday loans. I have no problem paying principle balances I just want to know what I owe and how to go about getting them satisfied without all of the astronomical fees because they charge daily interest. Any help anyone could provide would be greatly appreciated. Thanks in advance. dawnp http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I just got a call from Wooten, Benson and Tate attorneys, asking me to tell them why I refuse to pay Cash Call. I told them I didnt know what they were talking about and I wanted them to send me a letter showing me what I owe. He said he was only calling to get my statement on file and to find out if there was another address I wanted them to serve me papers at, besides my work. Have you heard of this Law firm?? Should I worry? I had three loans total with them, and overall paid them two times the orignal amount of the three loans put together. I dont feel like I owe them another cent. They dont agree of course, but this is the third collection company they have sent after me. Thanks, Kimhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, Not sure if this the right place to write this, but could not find a way to post to forum other than this. Have a PDL with My Next Paycheck. Loan was for $400 and have already paid $480 back to them. Sent a letter (got format here) stating I was not paying anymore and got this response from Gene (does not sound like a Tribal name). emWe are under sovereign rule and because we are not in your state or a store front they do not apply. To keep this simple. You also have had out 5 loans in the past. You borrowed 400.00 Owe $555.00 We will settle for 2 payments of the $150.00 on 2/20 and 3/20. I will be happy to work with you to resolve this. After monday if nothing is set up with a card for the 2 payments date above I will forward out the account to the 3rd party and credit bureau. Let me know what you would like to do. You can email card information back or you are welcomed to call me directly./em What are my next steps? I also have a loan with Western Sky (yes, I know -- stupid, stupid, stupid), which now gets paid to Cash Call. I have read many times on here that after paying back principal, I should not pay any more. How can this be and has anyone on here done this successfully? I borrowed their magic amount of $2525 and have paid back a total of $2650.14. I should not pay anymore? How do we justify not paying any interest? I know 139.13% is way out of bounds, but should there be any interest paid or just the principal? I appreciate any and all advice as I try to get my self out of this situation. Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Currently have 4 PDLs and I am in NC(100% illegal in my state). I paid more than the principles on all 4 loans and asked for a refund on my overpays. Can I threaten them to seek a lawyer to recover overpays from my previous loans, if the do not refund me on my current loans? Talking about $3000 I over paid in principles over 2 years. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a loan with Checkngo that is current. My hours have been shotened due to illness and I was off work. I called them to ask for an extended payment plan and he said in the state of ohio they do not offer that. Is he right? The law I saw seemed like it stated to me that it does. Do I have to let my account go in default to get it? What do I do? Please Help!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone recieved calls from the above number? They are foreign males that keep saying I am going to be arrested. They have my personal information including my social security number. I really dont know how to handle this. They called my work once today and my cell phone 4 times in the span of 20 minutes. What should I do? Amy http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ okay today I received a phone call at work from some foreign man telling me I was reported to the state and going to be arrested unless I called someone. He said his name was John Michael and the Officer I was suppose to contact was a Daniel Richard. When I hung up with him I checked my cell phone and there were 4 calls from this person with messages threatening to arrest me at work or at home. Has anyone else gotten calls from these people? Where did they get the info from ( they had my social security number ). I really dont know what to do . Any help would be apprieciated. Thanks, kate http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ ok I sent out my letters my wife and I both have an Advance through them. The email me back saying that I am not even on the loan since my birthdate is different they have my stinking birthdate wrong on my account http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Today i want to gain control of my finances. I have numerous payday loans. i closed my account and opened a new one. they are all calling me and im not answering because i dont even know what to say. the stress is giving me nights of insomnia, ive lost weight, my joy is gone. Do i go to a debt consolidation company for payday loans? i found this site while googling payday loan consolidation companies. i just dont even know where to start or what to do :(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been in the PDL cycle for over 2 years and found some amazing info. I currently have 4 PDLs. Today i will be writing to all 4 of them them they are illegal in my state, as well as visitng my bank. I have paid back all of them and then some. I will ask for refunds too. As they sight as made me feel 1000x better, I will update my story. Here are my loans.... Great Plains. Borrowed 1000 have paid them 1300 Plain Green. Borrowed 2000 have paid them 2200(on current loan, well overpaid them on previos loans) Advance me Today Borrowed 400, paid the. 800 Bayside Loans. Borrowed 500 have paid back 1000http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there, I have a question, I have 2 checking accounts, one with TCF bank and I have one with a credit union. TCF has closed my checking account due to NSF, I am currently paying them off. They said they reported me to Chex systems. So now since I am in chexsystems, can my credit union freeze my account so I dont have access to my funds.Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ In 20d06, I contacted FDR to assist me with cleaning up my debts. I had over $10,000.00, I did EVERYTHING they asked me to do. I cut up all of my credit cards. They came up with a budget for me so I could pay my debts off completely. At the time I contacted them my credit was very good, never late on any of my credit card payments, no collections. FDR told me that they contacted my creditors and made a settlement with them to pay all my debt for 75% of what I owed saving me 25%. It sounded good to me. They came up with a payment plan that would leave me debt free in just 1 1/2 years. All I needed to do is make these monthly payments directly to FDR, and they would pay my creditors. So I did pay FDR monthly for 1 1/2 years. Now I was debt free, WRONG, I contacted them in 2006 for their services. In 2010 I was in a car accident, totalled my car. I went to buy a new card and was refused credit! I was in collections and my $10,000.00 debt has now turned into $38,000.00, with all kinds of fees added, late fees on top of over the limit fees. Now I have terrible credit, including late payments, which is not good on a credit report. They took my money and never paid any of my creditors. My husband just passed away, and with my credit is so bad, my house is in forcloser. It is being sold in auction 4 days from now. I not only lost my husband 8 months ago, I am also loosing my home too. So THANK YOU VERY MUCH FDR for helping me with my future. I have nothing now. I hope you guys sleep Well at night, because I sure cant.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am receiving letter regarding collections. How do I resolve this? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in PA and have a pdl with White Hills Cash. I owe them $355 principal balance. I sent them an email using the template. They are willing to accept the principal balance but want it in one lump sum payment. They are saying that they are not bound by PA or any state laws. They told me to do my research on sovereign enterprises. They said they will not accept the payment plan I made and that if I do not pay the lump sum they are going to report me to check data systems. They said I was willing to accept the money in one lump sum it is only fair to pay back in one lump sum. How is the best way to reply??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a loan with Plain Green and thanks to this site I discovered it was illegal in my state. (Ohio) I sent them a letter and explained to them that I wanted my account settled in full and that the $600 I overpaid to be refunded to me due to the fact they were illegal. I received a response and they said my loan is considered paid in full but there was no mention of a refund. Do I keep asking them for the refund or do I just walk away with a very expensive lesson learned?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi All, Been reading this board non stop for about a week. I have 10 PDLs, 7 illegal and 3 legal in my state (Alaska). I have closed my account and sent the letters to the illegals and call the legals to wortk out an EPP. Cash Call sent a letter of validation right away. I owe $750 on the principal, and of course, their payoff number is over $2800. TWO QUESTIONS: 1) Is the Validation letter the same as a collection letter, and thus must be challenged within 30 days? 2) Should I actually call them in hopes they will settle on the principal only? I dont think they will settle for principal, and I dont know if I should even call them before formally (in writing)challenging their bogus assertions in their validation letter. Thank you all for your help through this stressful and crazy time. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My son made an agreement with Discover Card to accept their hardship program, which would reduce his debt by 40%, at an interest rate of .99%. It is a 5 year program. They will send him a written agreement for these terms. My question is: can he trust them to abide by this agreement, or can they still raise interest rates at will, which would put him in the same financial boat or worse. Or will they abide by their agreement ---can he trust them? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hi i did two payments to a debt that only one payment it s showing that i did. i need to find out what happen with the second one pleasehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey everyone i need some additional help here with these 2 companies, VIP loan shop and fast efunds. So i have determined that vip loan shop is not licensed in my state, which is California. Havent found too much on fast efunds but i got the loan from fastefunds through the vip loan ship so i am assuming its the same. I took out 2 500 dollars loans because i was tight on cash and then they all of a sudden doubled the interest rate even though the contract (even tho the contract to my understanding doesnt apply to me because they do not even have a license to do business in california) statesemins On the due date, your loan will automatically be extended for an additional equal term unless you notify us that you decline such an extension./ins/em This equal term should have kept it at 75 dollars in fees. So when they raised it all of a sudden to 150 dollars (this is per loan mind you) i was pretty upset. I found this site and read the step by step. Closed my bank account so they couldnt take more money out and sent both companies an email stating my findings. I am reporting them both already on the BBB website as well. My question is what should i do should this show up on my credit report? How do i go about getting that removed if in fact it goes that far? They have yet to respond to my email. I offered to pay back the principal minus what fees i have already payed. Any guidance on this would be helpful. Such a pain in the ass it really was a last resort loan. In fact when they told me the fee would be bumped up to double i told them im just going to pay off the whole loan and they told me they would STILL charge me the interest fee. Luckily i found this site and read the step by step thread which saved me the money in fees. Im just worried about it hitting my credit report.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My D-I-L called from another state and said she had a message on her machine for my mother who passed away in June 2012. She gave me the info and I call this Mia Anderson with Sims Assoc and she starts asking about a credit card bill for my Mom. I said I will need proof of debt including a complete itemized statement of account showing all charges and any fees that may be getting charged. She says we do not have that considering this is an account with the LAST PAYMENT being made in 1998. I said have you lost your mind? Trying to call family who lost a loved one less then a year ago about a debt from 1998. So now I am going to send a cease and desist letter to them, but do not want them to have my full name. So think it will be valid if I just put the Family Of ?? Also I am thinking about giving them a forwarding address of the cemetary and also Heaven. Is there anything else I can do to stop them from calling everyone throughout the US with the same last name as her and saying they are calling for her. I have been called about this from other family members too. So they are calling around. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ how do i get an app sent to me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a judgement placed on me about 6 or 7 years ago. Today I got a call from a new collection firm wanting to know why Ive not complied with the court order. Ok what court order? Yes the judgement was placed but Ive not heard anything since til today. I admit to sticking my head in the sand back then but today Ive been cleaning up my act and paying my bills. This new company isnt the one who got the judgement against me why are they calling me and what do I do now? Thanks for any information you can share with me Kathy in Texashttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This Payday Loan trap I got myself in was and has been a real nightmare. It all started with 1 Payday Loan, and when it came time to pay, I didnt have enough money to completely pay back the loan and make ends meet, so I took out another one. You can imagine how it escalated from there to 12 total PDLs... you always think you can easily fix the situation with the next loan... Nope. It got to the point that 100%+ of my check was going towards simply the fees and no principal. Then I came upon this website, and I gained the knowledge I needed to begin crawling out of this mess. I learned that most of my loans were illegal tribal or offshore loans, and that there was also a way to deal with my legal lenders.. I finally had a way out! Of course, its not something that could be fixed overnight, and Id still have to make due with a few more fractional paychecks as I had not quite yet paid the principal on most and I was still running a negative bank account balance once the lenders would take their re-fi fees out- and by the end of the day on my actual payday, I was back in the negative again. I can safely say that Ive never had so many frozen chicken breasts and Marie Callender frozen dinners since I was back in college. Perhaps we can call it the PDL Diet? Im already a slim guy, but I dont think my stomach has ever been flatter...maybe Ill actually develop some abs on my tummy in 2013? The first thing I did was open a secondary checking account and diverted my paycheck to go to that account, so at least my rent and car payment was secure finally. The next thing I did was call my three inslegal/ins PDL lenders (ACE, CashNet, ChecknGo) and worked out an Extended Payment Plan. Of course it would be a month-1/2 before the those plans were done with, but it was finally a means to an end. The next thing I did was fire off letters to the illegal lenders which I had paid at least the principal on, and stated the perimeters I was willing to work within. Honestly, I was OK with them making a little bit of money off of me, and it did seem to help in my negotiation with them. To be exact, I allowed them to make the equivalent of one re-finance fee off of me on top of principal, and I had a 100% success rate using this number as my settlement offer. Unlicensed lender or not, this seemed fair to me. As time went on, and my patience and waistline was getting thinner, I was a bit more bold and frugal on just how much money I was willing to let them make/not make on me. One thing was for sure, Id pay them the principal, and maybe the equivalent of one loan fee, but not a dime more, and when I could comfortably pay. My biggest fear was them calling my employer or references, as I was stupid enough (at first) to provide the lenders with real numbers to real references- something I smarted up to later on during my PDL plunge. On the morning I was to send out another volley of letters to the more shady PDL lenders, I pulled my receptionist aside and informed her I was the victim of fraud, and that I was not applying for jobs, or loans, and if anyone was calling to verify employment, asking to speak with my supervisor, or anyone other than me, regarding me, it was fraud, and to simply tell them not to call back. She said, emGladly!, it happens often with other employees!/em... I later found out that several PDL lenders called asking to speak with my supervisor- a trademark of a lender violating the FDCPA and privacy laws and a trademark, in my opinion, of an illegal lender. To secure the money to payoff my PDL Loans: I took out a 401K loan, and began calling the PDL lenders one by one to make my agreed upon payment to each. I realize that everyone tells you not to touch your 401K, but I did because I knew that without having to make payments to lenders every other week, I would have more disposable income to allocate towards savings and bumping up future 401K contributions. When you take out a 401k loan, youre paying interest to yourself and not some institution. Sure, I set myself back in my retirement a few thousand dollars, but I believe I saved myself more money than I lost in the long-term. Finally, I cannot stress how important it is to CLOSE YOUR BANK ACCOUNT. Take ACH Revocation letters with you, as most banks wont hard-block your account from further debits without this. I was told by a banker that providing evidence that your lender isnt licensed to offer/extend loans in your state is further beneficial in securing a hard block.. Although a majority of the lenders will honor your ACH request and not debit further, some will not, and they WILL attempt to debit your account multiple times a day and week. You can imagine how many overdraft fees you can accumulate, and although you can get most of these reversed in most cases, it will just add to your stress. So just close your account and start anew! Thanks for the knowledge gained from this website, strongTotal Savings: $3,525.78/stronghttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok, been on the site for several days reading and I am going through the process. I have 10 PDLs.. 7 illegal in my state (Alaska) and 3 legal. I have closed my bank account. Note, the bank did not need the letters to close the account, but they did if I just wanted to cancel specific ACHs, plus they wanted $18.50 per ACH revocation. I sent the appropriate letters out to the lenders, called the legal ones (looks like the EPP arrangement might work out with them) and spoke with pay roll (they did not need the letters because they said they can only garnish my account through a properly court-ordered process). insQUESTIONS/ins: Cash Call (on behalf of a Western Sky loan) immediately e-mailed me a long letter they called a letter of validation. 1) In one papragraph they tell me to pay it off now and in another they want me to call them to work out payment Plan. SHOULD I CALL THEM (or only deal in writing?) I do still owe them about $750 in principal. 2) Is the validation letter the same as a collection letter (I have a copy of the challenge letter I borrowed from this site, but it appears to be directed towards a collection letter as opposed to a validation letter)?? I will update as I go through this crazy process. I can say I have far more hope than I had a week ago!!! Lasltly, although I have registered and logged in with my email and password, the site still does not seem to recognize me. Anybody know how I can fix this? THANKYOU ALL!!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, like most I got trapped in the never ending pay day loan cycle....I have several loans and found this website, and used the instructions to revoke ACH authorization and close my account down. I just recevied a phone call from a company called CMS Associates stating they were hired as mediators to mediate a case that will be filed against my county court. This is for a payday loan I took with Plain Green Loans--it was a $250 loan I made several payments on and now allegedly owe $510.21 with fees. The representative from CMS Associates advised that my account had been sold to a group of attorneys who buy these debts and sue the consumers. They provided me nothing in writing and said my case was to be filed in my county court on Monday if I didnt pay the amount in full before then, and that I could expect to be served an few days later. They stated they couldnt make payment arrangements with me because the attorneys know they can get more if they pursue me in court and Id be looking at over $2,000 with court fees that they would garnish from my paycheck. Im located in Ohio and was when taking this out. Has anyone dealt with this company and had a similar situation? Im just wondering since this is the first time anyone, even plain green, has attempted to collect on this. They refuse to let me make partial payments and Im not sure if really have a leg to stand on...can they do this? Any help or advice would be greatly appreciated. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ anyone have the email address for Discount Advances or PayDay Max? Thxhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok here is an update from Mississippi. I have prepared all my letters I am going to the bank tomorrow to get my new account and close my old one. I have many reservations about this whole situation but I know it has to be done. Here are my questions i spoke with a company called www.paydayloanhelp.com just to see what there service was they offered me a program starting with a payment of 306.90 and monthly payments of 290 has anyone used them or is it better to do it myself. what kind of collection calls should i expect from discount advances and www.mycashtransfercenters.comhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What happen when you cannot get in touch with the paydayloan company and you want to pay the loan in full?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ does anybody have email addresses for Discount Advances and Pay day Max. Thxhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello.... Today i was hit with a 223.00 debt on my credit that brought my credit score down 27 today from LVNV Funding LLC and i havent even recieved a letter from them concerning my debt and i am very angry. I tried to google contact infor but all i read about is the negative things customer has to say about this company. what do i need to do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Me and my handsome separated in 08, I filed bankruptcy in 09 on my house. Then my handsome stopped making the payments and the home forclosed in 11. Now I am trying to buy a home, they are telling me I have to wait 3 years from when they finally took the home in 2011. My question is does the bankruptcy supersedes the forclosure? If so, I should be able to buy a home for it has been three and half year. Thanks for any help on this.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ First I would like to send a huge thank you out to all of you who take the time to awnser questions on these forums and spend your time helping others in tough situations! I have a loan roughly 8 months old from check-n-go here in indiana. i was told from my payroll dept. at work this morning that they called and made a threat about sending police. now since this lender is licensed in my state what should i expect to happen here? im not worried about police at my employment i dont think they can get past the security gate but how will this play out? will i just get a court summons and then have a garnishment against me if i dont pay? i could pay it but not for prob 2 more months at least. any info here would be great!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can chexsystem close a open credit union account. I had a tcf bank account and it was closed and now in chexsytem. I currently have an account with a credit union, I live in WIsconsinhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recieved a phone call from a processor saying I had 24 hrs to call this number back or I would have paperwork delievered at me while at work. When I called back i was Witherspoon Ryan and associates I spoke to a Ashley. She stated I had an outstanding payday loan out for almost 1,600.00. I asked original amount and it was 200.00. I live in PA and I know I paid well over the amount in interest. How can I get them off my back. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Letter I received from White Hills Cash.... What do I do NOW?! !--break-- We are in receipt of your email/ letter regarding your account and have reviewed your concerns carefully in an attempt to resolve this matter. As clearly indicated in its website disclaimers and the loan documents executed by you, White Hills Cash is a tribal limited liability company established by and for the Ft. Belknap Indian Community pursuant to tribal law. Both our website and your loan documents explain this fact clearly. As a sovereign enterprise, White Hills Cash is not subject to state regulation. By signing your Loan Agreement, you agreed to the application of Ft. Belknap Indian Community law. You agreed to comply with all of the terms and conditions of the Loan Agreement upon execution. White Hills Cash relied upon your representations in good faith and approved your loan based upon such representations. White Hills Cash always strives for excellent customer service and we are willing to work with you to achieve resolution of your concerns. You have revoked our right to ACH your account, as is your right to do so, and at this time we will immediately cease all withdrawals. The remaining balance owed is $454.25 and our mailing address is 5781 West Sunrise Blvd, Plantation, FL 33313. Regards, Customer Support !--break-- Loan was for $400 I paid $305 as of 1/18/2013 I still owe principle amount $95 Theyre saying I STILL owe $454.25!! !--break-- How do I respond?! !--break-- The above letter states their physical address is in Florida, but (the link to their website below) Ft. Belknap Indian Community is located in Helena, Montana! http://tribalnations.mt.gov/fortbelknap.asph1/h1 !--break-- P.S. I sent White Hills Cash a ACH Revocation, as well as a revocation of Wage Assignment.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like your advice. Ive read many posts on this subject and learned some valuable information, but Im not certain what would be my best course of action. I am in Ohio. I took out a loan of $5075.00 with Western Sky. The loan was transferred to Cash Call which is illegal in Ohio. So far I have paid $3298 which leaves me a balance of $1776. Like others have mentioned, I am willing to pay the principal amount but I am tired of being taken advantage of with their outrageous interest rates. I signed up with a debt settlement agency but I am now having second thoughts. They stated that they are familiar with Cash Call, but they will not begin working on a settlement offer with them for at least 5 months until funds have accrued in the escrow account. Should I attempt to work this out with Cash Call or just let the Debt Settlement company do their thing? So far I have only missed one payment that was due 7 days ago. Ive received 2 emails from Cash Call that they were going to try again in two days. I have closed the bank account that they have access to, so that is not an issue. I know the loan is illegal, but I did borrow the money and Im willing to pay back that amount. Im very worried about getting sued. Please advise. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know if Advance America offers an extended payment plan? On the web site it says they are a member of the CFSA and states that members must offer an EPP, but that not all states will offer that. I have a loan and I wanted the EPP, but the manager didnt know what I was talking about. I live in Ohio. Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Need advice, I dont want to make another mistake.... State: Louisiana I had a Capital One card in 2005, the limit was like $300. Paid a few times and then stopped, stupid kid. Anyhow, last week, Portfolio Recovery called me wanting to settle. The balance is now $1066.76. The last time I paid on this (to Capital One) was 9/2005. Portfolio Recovery bought the account 4/2009 They said they will do a settlement of around $450.00 Should I settle with them? If so, should I settle for $450.00 or less? I really need some advice, Im not sure what to do here. Any help, thanks for reading :) http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Need advice, I dont want to make another mistake.... State: Louisiana I had a Capital One card in 2005, the limit was like $300. Paid a few times and then stopped, stupid kid. Anyhow, last week, Portfolio Recovery called me wanting to settle. The balance is now $1066.76. The last time I paid on this (to Capital One) was 9/2005. Portfolio Recovery bought the account 4/2009 They said they will do a settlement of around $450.00 Should I settle with them? If so, should I settle for $450.00 or less? I really need some advice, Im not sure what to do here. Any help, thanks for reading :) http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ In the state of California, are debt collection companies allowed to charge interest and, if so, what would be the allowable interest rate. I cannot get the hospital to tell me if or what rate of interest they have in the contract with the debt collection agency. The collection company is charging 77% on a medical bill, which seems very high. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This company has written a check for $30 and I have neverdone business for them I called number on check 1-866-986-2432 and its automated no name and when I choose any of the options i get a busy signal does anyone know what state this group is out of i cant even fina website under the name given. Any help would be appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So after working for the last 3 months with Specialized Loan Services, I have finally gotten to the last step of the DOJ modification. It took me calling every week asking questions and pushing, so many things went wrong on their side. Long story short, I filled for BK about 2 years ago. Left the house out of the BK and have been garnishing my wages to pay the trustee an extra $600 a month, $300 for the back payments on the loan and $300 for the trustee. This has created a financial burden that has destroyed my life. I heard about a modification from a friend and called Specialized. My original loan was with BofA, which I now know that BofA still owns the loan, SLS just handles the loan. So today I called SLS and found out all the ducks where in line, but again I have to wait another week because the agent in charge of my loan is on vacation. I think its a stall tactic but I wont be giving up yet. The agent I spoke to says the DOJ estimate came in at about $230K, I owe $243 which is not much a difference. Every website I check says my home is worth $200K. So they are way off. Has anyone done a DOJ modification? Will it be worth continuing if they leave it at $230K, I know they sometimes erase the back payments but if they dont will it even be worth it? Would you go through with it, or just give up the home of keeping this house. I can rent a really nice house for $700 less than I am paying right now. I know its a rental, but honestly I am tired of being broke. I got into Pay Day loan hell and am finally getting out of that. I was hoping if I could significantly lower my mortgage payment I could finally breath a little. Your thoughts?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Back in early December, I successfully negotiated payment terms with Responsible Loan and PaydayOne (legal lenders in TX) and successfully stopped the interest on illegal loans from First America Credit and Plain Green, and am currently paying off the remaining principal only that I owe via money order. I also had loans with Western Sky/Cash Call and MyCashNow (both illegal in TX). I never received any response to my numerous emails/faxes to MyCashNow, except that when I tried to log into the online account it said I needed to contact Silver River Management. I still owe a principal amount of a little over $700 and in my letters/faxes to them, I told them I want to pay this back but would only do so via money order and I asked for an address to mail them to, and until I received a response, I would not be sending the money order. To date I have not received any correspondence from them. Western Sky/Cash Call sent me a letter after my first letter to them, basically restating their tribal law, etc., and I again replied that on a $2600, I had already paid back over $2800, and as they were illegal in Texas, I have paid back the principal and was asking to have the account noted Paid In Full. I have not received any other correspondence from them since mid-December. I have revoked my ACH Authorization with all 4 illegal lenders, and all sent a letter stating they were not allowed to contact myself, my employer, or any references. They could only contact me via email or postal mail. Should I do anything else regarding WS/CC or MyCashNow? Or just continue to wait and see if they respond? I feel bad not paying the principal to MyCashNow right now, but I really dont know where to mail the money order to, and am reluctant to mail them anything without them acknowledging that is all I owe and that they will mark it Paid In Full when I am done. Thanks in advance for your help!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was wondering if Spotloan and Great Plains are legal in Georgia? I have a loan with each and Im behind on payments. Im not trying to get out of paying them, I am just looking for a way to stop them from calling my house and cell phone alllllllll day long. I dont have the money in my bank account and they are making me so overdrawn with all the bounce fees. I am waiting on my tax refund and gonna catch em up, but Im still wondering, are they even legal in Ga?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was wondering if Spotloan and Great Plains are legal in Georgia? I have a loan with each and Im behind on payments. Im not trying to get out of paying them, I am just looking for a way to stop them from calling my house and cell phone alllllllll day long. I dont have the money in my bank account and they are making me so overdrawn with all the bounce fees. I am waiting on my tax refund and gonna catch em up, but Im still wondering, are they even legal in Ga?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a debt from a hospital that has since been reduced to zero per a financial statement that I had to complete with the hospital. I have several letters from the hospital stating that the account is at a zero balance. (This was from 2008) now all of the sudden my check is being garnished by this law firm. I have contacted them and faxed them copies of the letters. I have also contacted the hospital, which assures me that I do not owe anything. The law firm is refusing to give me my money back. Do I have any options? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi - i have several payday loans that I obtained on line. I live in the State of PA The lenders are Extra Funds, White Hills Cash, Sovereign Advance, and US Fast Cash. I have stopped payments on all the ACH withdrawls for the above companies and also sent email letters explaining that I became aware that online payday lending is illegal in PA and I will repay the principal amount borrowed only and only via money order. I requested to be contacted by email only and also asked for an address in which to send the money order. White Hills Cash, states that they will not take a money order and if i do not use a prepaid debit card they will report me to Check Data Systems. Not sure what that is. Any help and guidance is appreciated. Thanks! Kim http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been receiving calls from Boudreau Associates for a couple of years now, I have sent Debt validation letters to them ( Certified and return receipt) and allI got was a one liner saying that they have permission from HSBC to collect the debt.The SOL has expired in 2008. I live in Fl. No dates, amounts, etc. Now they are saying they are going to take me to court. Should I be concerned? Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi - I had an online payday loan with White Hills Cash and placed a stop payment on my ACH transaction. I received an email from WHC stating that I would be reported to Check Data Systems. I am unsure what check data systems mean. Is this like Telecheck that is used at stores when presenting a check or banks when opening an account or is this something different. I am trying to get out of this payday loan mess that i am in and am using a lot of the valuable advise on this site. Thanks! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Asset Acceptance LLC basically does not have anything in written agreement form and stated that the written agreement was lost according to the small claims (civil lawsuit) filed since August 2012. No responsive pleading was filed by defendant and an entry of default was filed as of 12/26/12 by plaintiff. Therefore, the Jan. 28, 2013 court hearing was vacated further to July 2013. Defendant went to the local Pasadena Court on Jan. 16, 2013 and was told that a defendant doesn’t have to appear and only the plaintiff will need to appear in court. Phone conversations with the attorney/collections offices were noted that a Chapter 7 Bankruptcy filing in pro per would be pending until such time filing is done. Basically, to sum it up and the fact those 2 years of the statute of limitations (SOL) had already passed from the last payment of 6/1/2009 to 6/1/2011. By August 2012 lawsuit filed by plaintiff on behalf of Asset Acceptance. And somehow, the company (Asset Acceptance LLC hired an attorney: Fulton, Friedman Gullace) to proceed with the collections (civil case) demanding a 10% / year interest plus daily damages demanded at a rate of $1.05 (*Personal Injury or wrongful death actions: Code Civ. Proc., 425.11). Again, the SOL passed and this lawsuit seems a bit frivolous and fraudulent because plaintiff does not have anything in written agreement. I would need to consult with an attorney and hurry up with my Bankruptcy filing. HELP!!!! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 online Payday loans, I cancelled my bank acct now they are calling and emailing me all the time, threatening to have me arrested and other things. Are online payday loans legal in Virginia? I have Plain Green Loans Mypaydayloan CashnetUSA Thanks,http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This past Friday I received two voicemails - one at work and one on my cell phone. My boss also received one on his voicemail. They were from a man named Eli Jones who said he was calling because his client was preparing to serve me papers at work and he wanted to give me a chance to talk with his client to make arrangements to avoid this (he told my boss he was trying to get in touch with me in an effort to do this since police would serve me at work). He called from a blocked number. Never told me who he worked for, or who his client was. He gave me a case number, and told me to call by Monday at 1pm to insure I would avoid being served. He left an 866 number. When I called the number back, they only answer Liberty. When I Google the #, I am taken to a rental agency in Alabama (see below) I am 99% sure this is some sort of scam, or a collection agency trying to get information from me or about me. I did have some financial issues about a year ago, which I have finally gotten some control of. But isnt this kind of harassment illegal? Should I do anything? Anyone else have experiences like this, or with Liberty? The phone # they left is 866-231-8453, which takes you here: http://www.hometownrentals.info/index-mobile.htm Do you think this is a front for a sleazy collector? I dont get why someone would leave a voicemail like that - yet alone 3 of them - and then have me call a rental agency; all voicemails left the same # and case #.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does this really work?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. I got a call from a consolidation Co. about my wifes payday advance loans. Many of her loans are from groups that people on your site have bad things to say about. This group said they will use Federal Regulation E to consolidate her loans so she pays only a few Hundred $s a month. Im cautious but want to help her. After three different phone transfers i got a man at Payless Financial Group. He was very helpful until i told him they would have to wait about a week for us to use there service. He didnt even give me a web site to check his company. Do you Know if this group is honest? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. I got a call from a consolidation Co. about my wifes payday advance loans. Many of her loans are from groups that people on your site have bad things to say about. This group said they will use Federal Regulation E to consolidate her loans so she pays only a few Hundred $s a month. Im cautious but want to help her. After three different phone transfers i got a man at Payless Financial Group. He was very helpful until i told him they would have to wait about a week for us to use there service. He didnt even give me a web site to check his company. Do you Know if this group is honest?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone ever dealt with Silver Cloud Financial or Mobiloans? I want to send them ACH revokation letters but I am nervous about it. I am in Mississippi and have heard from a previous post that these online companies arent licensed here. I just do not know how they will respond. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So today was the day that all 5 of the PDLs where supposed to withdrawal. I had closed my BofA account almost 2 weeks ago. I faxed and mailed the revocation letters to the bank. I cannot deliver in person because my local branch wouldnt take them, said I had to take them to the branch I opened the account in, which is 1200 miles away. Today I wake up to 3 emails from the PDL saying, thank you for renewing my loan. My next payment is, blah, blah blah. I also woke up to 1 email from Everest saying that they are considering my account PIF and thank you for my business. One of the 3 emails from the PDL saying thank you for renewing was from Everest, I contact Wendy at Everest and she explained that the withdrawal went through at midnight and that she sent the PIF in the morning. She said if the account is closed it will drop off tonight at midnight and they will not attempt to charge it again. I called BofA and normally it would say that my account balance is $0, today is said I was overdrawn $380. I was furious, called BofA and was told that eventhough I closed my account it remains in a limbo state for 30 days, I yelled at the agent and explained that I was told 5 different times that its supposed to be 3 days, not thirty. She apologized and said I was given the wrong information. She did say that because the account is closed that these payments would drop off tonight, and to please call the lenders and tell them not to try again. (Huh, if it where that easy) Now the account is back on limbo for another 30 days, which means I will be dealing with BofA for a while until this all stops. They did say that if it doesnt drop off, I should contact their fraud department. If the account is closed and they just told me last week that they account was on a do not let anything through status, why the heck would they let anything through! The 3 that put things through are Everest, Advance Me Today and 7 Day Loans. I reported all of them to the AG and FTC today, again. The other 2 loans are United Cash Loans which has a weird thing on their page showing a balance but showing that nothing else is do and that there is no payment scheduled. Plain Green loan lets me sign in but tells me that they have incorrect account info and that I need to call in and give them the correct info. I will update tomorrow to see if BofA does drop the charges and doesnt allow anything through. Has anyone had any of these issues before? What can I expect?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in New York State. I have taken a number of payday loans over the past year, with 11 (!) different companies. The lenders are: Lakota Cash MyCashNow SureAdvance Liquid Cash United Cash Loans StarCash CashDirect Express Jupiter Funding 247 Greenstreet EZPayDayCash Plain Green Loans The total amount I borrowed across the companies was over $9000. Thats the really bad news. The less bad news is that all of these loans have been paid in full and I have no outstanding debt to any payday loan companies. I paid almost $6500 in interest charges on top of paying back the principal of all these loans. I am sick that I have done this, but at the time I really had no viable options. However, reading this forum, I have discovered that all of these loans were illegal in New York. At this point, is it worth fighting with any of these companies to get my overpayments back, or should I just chalk it up to live and learn? Has anyone been successful with any of the entity in getting money refunded? Thanks. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ HI I GOT A CALL FROM First National Collection Bureau, Inc AND THERE TELLING ME I OWE A BILL FOR DIRECT TV AND I CANCELD IT BACK IN 2007 AND WHY WOULD THEY JUST NOW BE CALLING MEE ABOUT A BILL I EVEN CALLED DIRECT TV AND TRYED MY BEST TO EXPLAIN THAT THIS WAS IN 2007 I HAD DRICT TV AND I CANCELD IT WHEN I MOVED OUT MY ANUTS HOUSE AND I DONT NO HOW I OWE THEM A BILL NOW FOR 259.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I read somewhere, and for the life of me I cannot locate it again, that a contract is governed by the state it was signed in. With these internet lenders, the loan is signed in one state by the person getting the loan, yet the company is in another state. That means to me that the laws of MY state will govern the validity of the contract no matter what state the contract claimes to fall under in regard to law. Do you have any idea where I can find the information I need? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Okay I have been reading all this about payday loans and I hate them. I have payday loans from the following companies. mycashtransfercenters.com discount advances 2 Ameriloan Usfastcash I have contacted them and all of them are either tribal or not in the united states. If my reading is correct then the steps I should take are the following. 1. Change banking account number, have talked to the bank and they will help 2. send out letters informing them that they are not legal in my state mississippi. 3. send out letters revoking the wage assignment. I hope this is correct because I am so ready to get these things out of our lives. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This company is calling a school health office with no outside access and when the call was returned to resolve the issue; they stated they could not resolve the calls being made in error.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been receiving numerous calls and messages from a blocked number. They state that they are calling from a company called Legal Support Services and have been contracted to reschedule a summons to appear. They leave no name and say I have 24 hours to call them back in order to avoid a failure to appear or documentation will be issued and give me a 1800 number and claim number in reference to their call. I have not received any written documentation in the mail or have further more been issued a summons in person. Is this legit or even legal?? Not sure if im being scammed?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We received a summons this w/e from a law firm representing Capital One. We owe 4208.00 and they are offering a settlement of only 3325.00. I offered them 2500.00. They are being very stubborn...... I will have the cash available once taxes are filed, etc..... I need to get a lower settlement than what they offer and get them to file to dismiss the lawsuit. Any advice would be greatly appreciated. The law firm is Bowman, Heintz, Boscia and Vician in Indiana.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a loan with paydayone and it originally was for the amount of $700. Since the loan started I have paid $1359.17 to them with them saying I still owe $490 on thenbsp;principal. Has anyone worked with them? Are they legal in Ohio? Any help would be appreciated!!nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Wanted to get some information about this company name The NWR Group. Arbitratir by the name if Leonard no last name. Phone number 904-240-4669. Call me today and left me a message with a friend. My friend called me. The company did not call me. My friend thought I was in trouble. The company threathen me to pay or be served with court papers if I didnt pay. I got scared and almost gave the company my information because I never been in trouble before. So than my friend goole their phone number over the internet and a lot of people were saying that this is a scam!nbsp; so than I asked Mr. Leonard to send me a email about what I owed and he stated to me all he could give me was a contract of what my payments were going to be. I wanted information about what I owed and who I owed it to. He stated to me once I had given him the credit card information that he would send me a email. So then he had said that there was a processor on the way to my house to process me paper work for a court date to retrieve the money I owe them. I called my local sheriff office and asked for the lady name to see if she even worked their. My sheriff office told me that dont have no one by that name. The Leonard guy keeps calling my friends phone. I am investigating this before I had over money to some company that I dont know any thing about. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently asked how to remove CashCall/Western Sky from my credit report. nbsp;I disputed it and sent them the reasons as to why they shouldnt be on there, but it came back verified. nbsp;Today, I faxed EQ and EX again, however, I included everything from NYS Banking Law, the emails I have sent CashCall, their loan agreement (western Sky) and the certificate that the State of South Dakota issued Western Sky, not the tribal land they claim. nbsp;Has anyone been sucessful at removing them? nbsp;If so, is there anything else I should be doing? nbsp;I have contacted CC well over a dozen times trying to settle the account with no response other than the first of the tribal thing they send everyone. nbsp;I have filed complaints with the AG, FTC and Consumer Protection. nbsp;I filed a complaint with the FTC about the bureaus not complying with NYS law.divbr/divdivThanks!/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in new york state and I have 4 loans nbsp;us splash cash, $460 so far paid $644 and this was all in interest. hydra fund $250 paid $300 in interest. West River Cash $250 paid $300, and usa money shop 700 paid $201. Are these loans illegal?nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I keep getting calls from this place. The woman says her name is Max Adams. This has to be from a PDL, I had about 6 years ago. I looked up Epstein, Weinberg and Assoc. and they dont look to be on the level. Any body else heard of them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If a person files fornbsp;bankruptcynbsp;can they include the Military Star Card? Can they garnish your Veterans Disability pay?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have noticed that once a post gets out of the moderators section and in a thread, there is no longer anyway that it can be deleted. I have tried to delete spam posts on several occasions this weekend and get the error message that it cant be done. Again, this is not when a post is in the Moderators section but when it has been validated. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Bayside Cash legal in Michigan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My son defaulted on NCT loan. As cosigner I paid monthly to collection agency. 3 mos ago offered/accepted reduced payoff to Conserve. Now receiving letters from NCO stating I still owe the balance that Conserve did not collect (because they offered to settle the loan for a reduced amount). Loan balance at time of pay off was around 12K. Paid Conserve about 4K. NCO wants 11K. Is this legal?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was summon from equable ascent financial for a debt back in 2008 which I dont recall opening an account then. Its from GE Captial and if I recall, all of my GE Captial accounts, I have had, have been paid off. I need to help to whats the next step I will need to take to get this resolved as quickly as possible. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in New York state.divbr/divdivI know it is listed in multiple places on this forum that payday loans are illegal in NY. nbsp;My research shows this is not 100% accurate. nbsp;There are no specific laws in NY against payday loans. nbsp;However, under both NY civil law and NY criminal law, there are laws against charging usurious interest rates./divdivbr/divdivIn NY state, it is a felony to charge more than 25% annual interest on any loan./divdivbr/divdivMost of the payday loan applications I signed had arbitration provisions, provisions against participating in class actions and statements that the law of only the companies home states applied. nbsp;Thats how they fight back./divdivbr/divdivHowever, what if I were to go to the district attorney and file a complaint based on the criminal law, that they committed a crime when they charged me 600% interest?/divdivbr/divdivTypically, criminal defendants in fraud cases have to pay restitution. nbsp;I could conceivably get my interest payments refunded that way./divdivbr/divdivHas anyone tried this? nbsp;Does anyone think this would be successful?/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have many PDLsnbsp; that are eating my lunch, and I am ready to take the advice on this site to turn things around. However, a couple of my loansnbsp; are through lendersnbsp;that ARE licensed in my state (Alaska). Ifnbsp;I close my checking account, set up a new one, should I try to allow debits from the legal lenders? Do I send them the same letters as the illegal lenders? In short, how do I differentiate (or do I) between the legal and illegal???//ppThanks in advance. I hope tonbsp; soon to deal with the nightmare and get a solid nights sleep./ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ On my credit report it says Capital One charged off 414 almost 4 years ago and a collection company is contacting me to pay it for 958.00. After a CC company charges off the amount due can they add to it or is this the collection company that added 500.00 to the debt?divbr/divdivibEDIT: Sorry thought I was posting in Credit Repair / Credit Report Forum and now I dont know how to move this. I just tried posting in the correct forum and it was marked as spam.nbsp;/b/i/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ divI have the below loans, total amount as of night now is listed as well./divdivbr/divdivI sent an email to MB Processing and Midland Companies, I used a sample email I found on this site, basically saying these loans are illegal and Im not required to pay them back in full.. I can show the email if you want./divdivbr/divdiv1 company replied back saying basically you still owe the money, and the other company didnt reply back./divdivbr/divdivWhat are my options? What does anyone suggest on doing?/divdivbr/divdivPayDayspan class=Apple-tab-span style=white-space:pre /span$310.00/divdivhttps://www.paydayloantoday.com/divdivbr/divdivbr/divdivMB Processingspan class=Apple-tab-span style=white-space:pre /span$520/divdivwww.MBPROCESSING.COM/divdivbr/divdivbr/divdivGlobal Group LLCspan class=Apple-tab-span style=white-space:pre /span$390/divdivNot sure the website, the email address is @midlandcompanies.net/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This is what I see after sending the revocation letter to United. I still owed them about 160 on my principal but since I have been reloaning with them for over 3 years and had paid over 6K in interest I asked them to take it out of that. When I sign in this is what I see.brbr!--[if gte mso 9]xml w:WordDocument w:ViewNormal/w:View w:Zoom0/w:Zoom w:TrackMoves/ w:TrackFormatting/ w:PunctuationKerning/ w:ValidateAgainstSchemas/ w:SaveIfXMLInvalidfalse/w:SaveIfXMLInvalid w:IgnoreMixedContentfalse/w:IgnoreMixedContent w:AlwaysShowPlaceholderTextfalse/w:AlwaysShowPlaceholderText w:DoNotPromoteQF/ w:LidThemeOtherEN-US/w:LidThemeOther w:LidThemeAsianX-NONE/w:LidThemeAsian w:LidThemeComplexScriptX-NONE/w:LidThemeComplexScript w:Compatibility w:BreakWrappedTables/ w:SnapToGridInCell/ w:WrapTextWithPunct/ w:UseAsianBreakRules/ w:DontGrowAutofit/ w:SplitPgBreakAndParaMark/ w:DontVertAlignCellWithSp/ w:DontBreakConstrainedForcedTables/ w:DontVertAlignInTxbx/ w:Word11KerningPairs/ w:CachedColBalance/ /w:Compatibility w:BrowserLevelMicrosoftInternetExplorer4/w:BrowserLevel m:mathPr m:mathFont m:val=Cambria Math/ m:brkBin m:val=before/ m:brkBinSub m:val=#45;-/ m:smallFrac m:val=off/ m:dispDef/ m:lMargin m:val=0/ m:rMargin m:val=0/ 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mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Times New Roman; mso-bidi-theme-font:minor-bidi;} /style ![endif]--http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi Im wondering if I can use the diploma for a career class, not for collagenbsp;divbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I sent out the letters last week and have heard back only from Advance Me Today, its a form reply so I am not concerned. When I try to sign in to my account with United Cash Loans this is what I see. These are the people that I have had the longest, about 3 years. Borrowed a total of $2800 and have paid over $8400 in the last 3 years. My current loan was for $800 and I had only paid $720, in my letter I asked them to take the previous interested I paid and use it to pay this loan off and send me a refund. Now when I log in I see this:brbrtable class=green-border form align=center cellspacing=0 width=530tbodytrtd colspan=2strongWelcome David Perezbr/strong/td /tr tr td width=153strongApplication Number:/strong/td td width=365strong**********/strongbr/td /tr tr td colspan=2nbsp;/td /tr tr class=alternate td width=153strongBalance:/strong/td td width=365$1,040.00/td /tr tr tdstrongNext Amount Due:/strong/td td$0.00/td /tr tr class=alternate tdstrongNext Due Date:/strong/td tdbr/td /tr tr td colspan=2nbsp;/td /tr tr td colspan=2strongBreakdown of Charges/strong/td /tr tr tdNext Principle Amount Due:/td td$0.00/td /tr tr tdNext Service Charge Due:/td td$0.00/td /tr tr td colspan=2nbsp;/td /tr tr td colspan=2For questions regarding your account, please contact Customer Service at 1-800-279-8511./td /tr tr td colspan=2nbsp;/td/tr/tbody/tablehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pIm in Ohio..All the threads im reading says cashnetusa is a legal cso...does that mean evn though I paid 580.00 on 550.00 borrowed that I still owe them the 690.00 balance. I stopped all ACHs at bank...what would happen then????/ppCould CASHTAXI, CASTLEPAYDAY AND MYNEXTDAYCASH also be CSO???/ppI am trying to get ready for Tuesday when the bank opens and everything hits the fan and I just want to be prepared and know which of these I need to send letters to as per all the instructions i have been reading...please help if you can..its frightening/ppFull details are as follows:/ppI live in the State of ?xml:namespace prefix = st1 ns = urn:schemas-microsoft-com:office:smarttags /st1:statest1:placeOhio/st1:place/st1:state. Ibrhave 4 Internet payday loans. None are in default yet, but any day now. CanbrSomeone tell me if they are licensed in st1:statest1:placeOhio/st1:place/st1:state??brThe companies and amounts are as follows:/ppbrbrnbsp;/ppCashNetUSA Borrowed 550.00 Repaid 579.65/ppbrbrnbsp;/ppMyNextDayCash/(NXTDAYCASH apperars on ACH Withdrawel) Borrowed 500.00 Repaidbr75.00/ppbrbrnbsp;/ppCastlePayday Borrowed 500.00 Repaid 175.00/ppbrbrnbsp;/ppCashTaxi.com Borrowed 300.00 Repaid 0(will owe 374.00)/ppbrbrnbsp;/ppPlease Help...cant afford it anymore. Are they licensed in st1:statest1:placeOhio/st1:place/st1:state????brI believe they are all rollover loans(except CahTaxi) because they keepbrcharging me fees and extending for 2 weeks leaving principal untouched. CashNetbrlent me 550.00...isnt st1:statest1:placeOhio/st1:place/st1:statebrmaximum 500.00./ppbrbrnbsp;/ppMyNextDay and CashTaxi were set to be drawn from my account yesterday for abrtotal of $520.00. I called them both prior and told them I would not have moneybrand they didnt care. After reading this forum I went to my bank yesterday whilebrthe ACHs were in a Pending status...talked to Branch Manager and she was ablebrto stop them, also told her situation and upcoming withdrawels. She said shebropted me out of all transactions??? Is that good enough, should I close accountbrbefore something sneaks through???/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 payday loans and I cannot get them paid off like I want. The interest is to much. I knew that going in but just didnt realize I would have this much trouble. Its making it hard for to pay my bills where I thought it would help. I should have knew better.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have borrowed money from Western Sky payday loans.nbsp; My loan is for 1500 and now with interest it up to 1600.nbsp; This is a very high interest loan and I would like to get it paid off as soon as possible.nbsp; I do not have the best credit and would like to find a company that would loan me the money at a lower interest rate.BRBRIs there any company that can help me?BRBRThanks, BRDebbiehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have 5 payday loans that I owe on. I live in Missouri./pp1.nbsp; PayDayMaxnbsp; borrowed 510nbsp;nbsp;nbsp; paid 276nbsp; /pp2. American Web Loannbsp; borrowed 600 paidnbsp; 360/pp3. Americashnbsp;nbsp; borrowed 400nbsp; paidnbsp; 175.48/pp4. Speedycashnbsp;nbsp; borrowed 305nbsp; paidnbsp; 280.00/pp5. Net Creditnbsp; borrowednbsp; 1200nbsp; paid 519.45/ppI have to find a way to pay these off. I have $1200.00 cash that I can put to paying them off but I dont know how to contact the companies to make the payment./ppI sent AmericanWebLoan a e mail that revolked my ACH and told them that I was going to pay them 70.00nbsp; monthly by mailing them a money order. They still debited my checking account again ( which I am now in the process of closing) and then sent me an e mail with a copy of my contract with them. /ppPlease help with suggestions of who I should contact first and how to get these companies paid off./ppThank you so much..../ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a payday loan from UnitedCashLoans.comdivI live in NJ. I BORROWED $450.00 AND TO DATE/divdivPAID BACK $1, 050.00. They are still chargingnbsp;/divdivMe finance fees plus interest every 2 weeks./divdivWhat can I do to stop it?/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi:/p pI live in the State of ?xml:namespace prefix = st1 ns = urn:schemas-microsoft-com:office:smarttags /st1:statest1:placeOhio/st1:place/st1:state. I have 4 Internet payday loans. None are in default yet, but any day now. Can Someone tell me if they are licensed in st1:statest1:placeOhio/st1:place/st1:state?? The companies and amounts are as follows:/p pCashNetUSA Borrowed 550.00 Repaid 579.65/p pMyNextDayCash/(NXTDAYCASH apperars on ACH Withdrawel) Borrowed 500.00 Repaid 75.00/p pCastlePayday Borrowed 500.00 Repaid 175.00/p pCashTaxi.com Borrowed 300.00 Repaid 0(will owe 374.00)/p pPlease Help...cant afford it anymore. Are they licensed in st1:statest1:placeOhio/st1:place/st1:state???? I believe they are all rollover loans(except CahTaxi) because they keep charging me fees and extending for 2 weeks leaving principal untouched. CashNet lent me 550.00...isnt st1:statest1:placeOhio/st1:place/st1:state maximum 500.00./p pMyNextDay and CashTaxi were set to be drawn from my account yesterday for a total of $520.00. I called them both prior and told them I would not have money and they didnt care. After reading this forum I went to my bank yesterday while the ACHs were in a Pending status...talked to Branch Manager and she was able to stop them, also told her situation and upcoming withdrawels. She said she opted me out of all transactions??? Is that good enough, should I close account before something sneaks through???/p pPlease if anyone can provide me information on these lenders and where to go from here I would appreciate it. I am embarressed and scared to death./p p style=margin: 0in 0in 0pt; class=MsoNormal?xml:namespace prefix = o ns = urn:schemas-microsoft-com:office:office /o:pnbsp;/o:p/p http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ournbsp;bankruptcy was discharged in September of 2012.nbsp; Our house was included and the bank messed around and would not complete the reaffirmation paperwork so that we could reaffirm. We are continuing to make payments and have no intention of letting the house go. We are current on the payments. BRWhat Im wondering is if we should anticipate having an issue with this bank sending our mortgage interest form for our taxes?nbsp; Since we filed and did not reaffirm is there new rules that the bank can follow that will allow them to not send out the mortgage interest information to use on our taxes by Jan 31st?BRThis bank has been a royal pain to make the payments to and to deal with. I just am wondering what we can anticipate for this issue. BRAlso, we filed and were discharged in Wisconsin.BRThanks for any info you can share.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have an e-mail address for Huskhawk? Thanks to everyone here I was able to get an e-mail for WTJ Capital....thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hello....again :). nbsp;i got a call from a guy...dont know from where cause i cant hear him very well....he was a very nice guy too saying that he now has my file and needs a payment of $325 or there will be a lawsuit and i will be taken to court....this was a loan with Hydra....i paid about $600 total....can they really sue me?? i live in new york and know theyre illegal but these voicemails are really stressing me out.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently have payday loans out I cant pay them all what is the best solution I am waiting to get my tax return when do they usually put you in collection and send you to court. I live in Kansas.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a received a letter from the National Debt Validation Services Form 11-USM1,nbsp;nbsp;The letter was in Chinese, and the letter said that Ive been selected to participate in the National Debt Validation Service, their phone number is 18666597965. I checked online, theres no such form, is this a spam? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello. I received a student loan thru Sallie mae about 10 years ago and i recently defaulted on this loan. I only owe about $1500 and I received a letter saying they were going to garnish my wages. I am out of work right now and so they told me they are going to take my Tax Refund, Will they take the whole amount ( i usually get about $3000-$4000)nbsp;or only what i owe? Will i still receive the remainder? I wouldnt mind if they do this as it would finally pay off my loans. /ppnbsp;/ppIf they do take my refund to pay for this defaulted loan? How soon can i get another loan, I want to go back to school./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have sent disputes to both ex an eq...eq has said that the info is correct, I did send nys law with it. Any suggestions?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Quick question, I know I have seen it here somewhere but I dont see a search feature. I sent my letters out today and instantly I received a reply from Advance Me Today, it is the form letter about the treaty between the US and their island and how that trumps all my state laws. I am in WA state and they are illegal. What was the correct response to give them when they mentioned this? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi guys,BRBRI called Cash Yes recoveries department.nbsp; The lady was nice in a snotty way...anywaysnbsp; i took out a loan for $250 with $75 finance fees.nbsp; I told them i was only going to pay the principal balance (i live in New york).nbsp; She said thats not her problem b/c i contacted them for the loan and at this point i owe them $600!???!???nbsp; Inbsp;told her that these loans are illegal in new york and she came right back and said theyre legal in Belize and YOU contacted US.nbsp; I again said im only going to pay the principal balance and she said she will only take a payment of $325 and i told her no i will only pay $250.nbsp; She said she wont take my payment and is sending me to collections.nbsp; I TRIED TO PAY!nbsp; what do i do now?? im willing to pay and theyre not willing to take a payment!.nbsp; Now what happens if the collection agency is illegal - do i still pay them to get them off my back....please help!!BRBRthanks guys - you all are so helpful with all this! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in texas and need to know if these payday loans are legal in my state.divbr/divdivAmeriloan borrowed: 450/divdivUsfastcash borrowed: 450/divdivCheck into cash borrowed: 1000/divdivnbsp;Any help would be appreciated.nbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a letter from Convergent Outsourcing, stating i owe LVNV Funding (creditor) Direct Merchant (original creditor) $4,403.12.nbsp; The issue here is I OWE NO ONE ON THE LETTER ANYTHING. I was so upset i pulled my credit last night and there is nothing listed anywhere for them.nbsp; they are saying i can pay them 660. in 35 days and they will go away.nbsp; I need some direction in how to procced since they are not a true debt.nbsp; Do I send a DV, or a Cease amp; Desist? do i report them to the FTC, BBB and so on?nbsp; Any suggestions would be greathttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ h2 class=title icon /h2 div id=our-ads ins style=display:inline-table;border:none;height:250px;margin:0;padding:0;position:relative;visibility:visible;width:300pxins id=aswift_2_anchor style=display:block;border:none;height:250px;margin:0;padding:0;position:relative;visibility:visible;width:300px/ins/ins/div1) Are the credit reports you get off the so called free credit report .com type sites the same report you get if you order one from the reporting agency?brdiv class=contentdiv id=post_message_445964blockquote class=postcontent restore 2) How could they be reporting my wifes account in question as a new account when it was opened in 2004 or 2005 and the last payment to it was made in 2010?br br 3) I have read somewhere that these junk debt buyers buy these accounts for pennies on the dollar. I also have heard if you challenge this in court most judges will only award them what they actually have invested in the debt and not the original amount due. Is this an old wives tale or is this in fact true?br br 4) In my state the SOL is 3, years for open accounts.br 5, years for written contracts...non UCCbr 4, years for sale for goods under UCCbr What would an account like dell uses for consumers to buy computers and parts be. It seems to me it would be just like any other open account or credit line would I be correct to assume this?br /blockquote/div/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a judgement against me from an unpaid unsecured credit card.About 2 years ago, theynbsp;froze my moms bank accounts because my name was on them even though she did not have enough money to cover the judgement and she was not named in the judgement.After explaining to the judge that this was my MOMS money and I was only on the accounts for probate purposes, they released my moms money back to her(talk about stress!!!)nbsp;Since Mom passed away, her house is now titled in my brothers and my names.I understand that my wages cannot be garnished because I am head of household with 3 children still at home, my house is homesteaded but I believe they could place a lien on it, right? What about my Moms house, can they place a liennbsp;on itnbsp;even though my brother did not have anything to do with this judgement?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out payday lones to help with a medical expeance i didnt have the funds for as i am on social security and get paid once each month. I have paid one of my 300 on one of my lone which was 350. they are saying i still owe 150 more. My other lone is for 400 and the last 350. I have tried to make paymentnbsp;arrangements with these lenders, but none are willing to work with me. telling me if they are not paid in full by such and such date they will send payments to my bank and take the money even if the funds are not in the bank and i will be left paying the fees. I like in louisiana also. should i close out my bank account and open a new one. Ive already asked my bank what i could do as to block them from taking money out of the account. and i was told nothing other than closing out the whole account and getting a new one.nbsp;divbr/divdivthe payday lenders online are.../divdivspeedy cash-lone for 400/divdivone click cash- my lone was for 350/divdivcash centreal-my lone was for 350 and i paid 300 already back.nbsp;/divdivnow can they garnish my social security check if i do close out my bank account an open another account for my check? I just need a few helpful tips or something. I wasnt trying to not pay these people back. Ive tried, stayed on hold for what seemed hours with these people trying to set up some kind of payment plan. But they are just out for the full amount plus intrest. I dont know what to do now..nbsp;/divdivbr/divdivthanks so much!!/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);I currently have b5/b internet payday loans out. I feel like Im in PDL HELL!! PLEASE HELP! I need to know if these IPDLs are legal in the state of Indiana.../spandivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);White Hills Cash- $400--- nbsp;paid $305.00 so far/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);Cash Direct Express- $400.00 --- paid $570.00 so far/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);Sure Advance $300.00--- Paid $338.25/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);AmeriLoan $500.00--- Paid $300.00 so far/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);PayDay Mobility $200.00--- Nothing paid so far./span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);If they are illegal how do I go about stopping them fromnbsp;debiting nbsp;from my account?!Also is there a website I can go look at, to see all of the illegal online companies that are lending to people in Indiana?/span/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Three B and Dollar Flash legal in Louisiana? They are online loans.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a loan from western sky, transferred to cashcall immediately back in October. nbsp;I now owe 3700.00 on a 2600.00 loan. I know these are illegal and I contact them daily trying to settle this account and no matter how many times I tell them everything I know and every agency I have contacted, I get the same response. I knew the interest rate and that ws is tribal. I even went as far as to send with my letter their incorporation papers from South Dakota proving they are not tribal. nbsp;Where do I go from here? nbsp;Do I cease communication? How long will it take for them to finally send me an offer for settlement? I have disputed this with the credit bureaus, but still have not heard back from them. Btw, I am in New York.divbr/divdivThanks for your replies!/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Below are my loans owed.. Im in good standing with all of these.. But i cant keep up .. Im the provider of my home and 3 kids!! I need out.. Any help offered is so much appreciated .. Just need a new beginning and fresh start.. I took these out like most people to get by .. And just when i thought i was in the clear something else would come up .. I believe two online are illegal and being that im in ohio.. Cfsa advisedme companies nbsp; are not obligated to offer epp!! What are my options.nbsp;divAce 1120/divdivCashland 550/divdivAdvance America 587/divdivPurpose 587/divdivOnline:/divdivCheck n go 1300.. Have already paid 1000 but of course i owe 1600/divdivGreen valley cash 250..paid 150 so far/divdivPaydaymobility 400 paid 240 so far/divdivbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ PI live in PA and took out several payday loans with different online lenders.BRI need to get out of this cycle and have started the process last week. Out of 8 loans, I got 1PIF, 3 settled for principal only, My cash now (I paid the principal in full already and overpaid by $ 30) completely ignored all my emails. They turned it over to CPD, and I sent them a Camp;D. BRMypaydayloan.com is a huge pain. I overpaid and they are threating to turn it over to an outside agency and add 40 % to the loan.BRBut the biggest pain is SWB.BRI took out $500, but havent paid back anything. I offered them a payment plan to pay back principal. They never responded to my emails.BRYesterday they called me at work. I told the lady that I can not take personal phone calls. She got snippy and kept asking:Well how are going to settle this today?BRI told her multiple times that I can not talk to her while at work, and she can call my cell. She said I am never available on my cell (I never received a call from them on my cell)BRI finally told her that I need to end the conversation because I had a customer in front of me and then I hung up. Two minutes later she called back! I again told her the same thing and hung up.BRLater I checked my cell and she had called my cell 10 minutes AFTER she harrassed me at work, and she made sure she left a voicemail.BRI sent her a Camp;Dnbsp;by emailnbsp;and informed her that by law I can verbally request to not call me at work, and that she violated that law by calling me back a second time, and that I am going to report her.BRI dont know what else to do. Why cant they be as easy as the others?BRBRAny advive for SWB or Mypaydayloan?BRBRThanks/Phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i had a bank A credit card with a 4500 limit which i had accrued about 3000 on and was making payments. i had also bank B credit card with 1200 credit limit which had about 160$ accrued on also in good standing. bank B decided to buy bank A and somehow managed to transfer the account that i had with bank A over to the account that i have with them which immediately put me over the limit with my credit and started a chain reaction which sent the account to over 5000$ within a very short time and mostly because i stopped paying because i thought it was unfair for them to do that. now i received a summons to go to court which i replied with a DV request and now i need to reply to the attorneys request and prepare my case. does anybody know the banking regulations concerning this? because i dont think its legal for them to be able to do that without even send a notice or anything to see if i accepted the terms before them transferring the account. i have about 2 days to reply. please helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pToday I had received a call from my family member stating that a debt collector had called her and told her I owed a debt for 1217.00 and they were going to arrest me at my work if I did not pay it today. Well, my mother called me and told me so I immediately called them . I did have a debt with fifth third bank in 2008 but I had thought it was resolved considering it was their fault for my account being overdrafted. I believe it was for 80.00 .. Anyways, they closed my account in 2008 and sold it , well the company they sold it to didnt ever try to contact me , well this company sells it to a company in NY On dec 2012. They contact me today and the first thing they said was that They were going to my work today and giving me a summons in court for an outstanding debt. I was scared. Ive never been in trouble or debt and this was not/is not on my credit report. Well, I paid it because I was scared to go to court/ be arrested at my work. What should I do now?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Any advice anyone.. I have been getting calls from this company about loan from hydra fund, which I did everything that I saw in the forums closed my account etc... They called my job and my coworker thank goodness caught the call. They have called me about 6 times, I filed ftc complaints. I have not gotten a call in 3 days , wonder how long that will last. Should I even answer, the reason why i was answering was I knew if i didnt they would call my job, so what I have been doing is answering and telling the guy I haved called the people with the claim number he gave and then I hang up. I just hate them calling my job. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been checking out the forum here lately and have some questions. Ive looked at different sites and have a general idea of what I should do, so Im here looking for some help.brbrI quit paying on my 4 cards in the summer. Had all the cards for at least five years. Previously made calls to get the rates lowered will not luck. Barley paying more than the interest and I had to make the hard choice to do something drastic to get out of this. brbrCan I expect to make settlements at 20%? brbrThe first Chase is quickly approaching charge off brbrChase - $10,000brCap One - $12,000brB of A - $16,000brDiscnbsp; - $9,000brbrI have spoken about once a month with each card explaining my hardship. The calls havent been too bad. brbrWhile making calls back to explain that things haven’t changed Disc made a settle offer of 60%. I just talked to the bigger Chase acct and they offered 50%. Is it better to get this done before Charge Off or wait to deal with the collection people.brbrAny suggestions as what to do next?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I went to my bank (Bank of America) today and they said that they could not revoke the ACH authorizations. The only thing they could do was to issue stop payments. I was also told that if I close my account, the ACH transactions will cause the account to reopen amp; I would be hit with NSF fees that I would have to file a claim to remove.nbsp; Has anyone else experienced this? I am doing stop payments now.nbsp; http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loan with Silverstar financial for 600 and one with Mobiloans for 750. Ive asked these companies to stop ACH withdrawal and they refused saying I agreed to their terms. Are either of these companies licensed in Mississippi?? What can I do to stop the ACH payments?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have six payday loans and just lost one of my jobs, which will make it impossible for me to meet my payments.nbsp; I am going crazy thinking what to do so they do not debit my bank next week and I will be left with $0 dollars. It is Wednesday and I get paid next Tuesday. Please advise me what to do. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I sent a letter to cutter group llc revoking ACH and requesting a refund for overpayment of an illegal payday loan as I had over paid them $725.00 so they sent it to National Credit Adjustors, I would like to get some advise as how to deal with the collection agency.nbsp; Should I send a validation letter, not sure how to deal with the collection agency.nbsp; Any advise would be greatly appreciated.nbsp; Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am curious if anyone has ever dealt with Cash Net USA. nbsp;They advise they are not a payday loan company, however, payments are set-up around your paydays - isnt that the same?? nbsp;Also - they do not charge interest however they charge outrageous fees. I am having a problem and I am seeking any information regarding laws regarding LARGEnbsp;unnecessarynbsp;fees nbsp;INSTEAD of interest. nbsp;HELPhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pi need an address for these people /ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello all! nbsp;I know this a common story for you, but I do need some advice on what to do about these payday loans. nbsp;I am in Oklahoma, and all of these were taken out online. nbsp;Ive read through the forums, and know that I should send them all letters. nbsp;Im not sure though if they are illegal or not. nbsp;My other problem would be that I dont really want to close my account. nbsp;That would be a last resort. nbsp;Any help you can give me is much appreciated. nbsp;I hope that someday Im able to get past all of this and offer advice. nbsp;Here are the loans that I have:divbr/divdivMagnum Cash Advance:/divdivnbsp; Borrowed: 457.00 10/16/divdivnbsp; Have Paid: 723.68/divdivbr/divdivNet PDL.com:/divdivnbsp; Borrowed: 200.00/divdivnbsp; Have Paid: 395.00/divdivbr/divdivVandelier Group:/divdivnbsp; Borrowed: 200.00/divdivnbsp; Have Paid: 240.00/divdivbr/divdivHydraFund:/divdivnbsp; Borrowed: 200.00/divdivnbsp; Have Paid: 240.00/divdivbr/divdivWestgate:/divdivnbsp; Borrowed: 200.00/divdivnbsp; Have Paid: 240.00/divdivbr/divdivI know that if they are illegal, then I have overpaid, and at this point Im not interested in a refund as much as I am getting them gone. Please help.nbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 6 legal loans out that I cannot pay on. 3 of them are storefronts and 3 are online that are CSOs. Im just wondering what advice can someone give me about these. I am falling behind on all my bills and most of my utilities are getting ready to be shut off. I know you can make EPP to some of them but it still leaves me without any money for bills. Is there any one the can help with legal lenders or consolidate them all into 1 payment? Thanks for any advice.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I could use some help; Ive read some of the post great information.BRBRI live in TN and I have 3 PDLsBRAnasazi Group LLCnbsp; Borrowed $390, Paid $450BRLiquid Cash Online Borrowed $500, Paid $0BRWestern Sky / Cash Call Borrowed $2525, Paid $204.75BRBRThey all have P.O. Boxes,nbsp;On everything I get from Liquid Cash it says they are from Costa Rica. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ could someone tell me if 21st mortgage is in the names of the banks whom have to pay back to the people they repoed homes fromnbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Original lender is Advance America. I took out this loan in 2007. A lot was going on at that time that I was not able to pay them back. I did not close my bank, my bank froze it and eventually closed it. (which I had to pay them all the overdrawn). I was scammed so many times by companies that did not exist nbsp;this past 2-3 years regarding a payday loans. And yes, I was one of them who paid all those money and to basically just strangers. I did not know about all this at that time. Long story short, National Credit Adjusters has been sending me letters regarding on my balance with Advance America for almost 2 years and I did write them a letter for validation but I did not certify it (mistake). I got that loan back when I was living in Alabama now live in Connecticut. I just got a phone call from a company callednbsp;span style=font-family: arial, helvetica, tahoma, sans-serif; font-size: small; text-align: justify; background-color: rgb(245, 248, 252);Rosenthal, Stein, and Associates. They state that NCA sent them my infos for court. The guy I spoke to was nice to me and I did state to him that I am unable to pay them anything, I am currently unemployed. I am stressing out about this and I am 6 months pregnant. I cant sleep. I am worried. It was weird at first when I talked to this guy. He gave me my recent contact and he stated that this was the infos I gave NCA recently which wasnt true because like I said that was back in 2007 and I recently moved. He also told me that NCA has been reporting this debt to my credit this past years so I should know about it even if I didnt get their letters or didnt respond. (did to). I told him that I monitor my credit and I do not see anything in my credit. (i pulled my credit again after we got off the phone and still nothing). I guess. Im trying to get a hold of NCA to see if I could get them to send me another letter so I can validate it but this is worrying me to death. yes I know I shouldve paid, please dont go there. Can they sue me even if I took the loan out in Alabama and now live in Connecticut? What other actions can I take?/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have 4 loans i live in IL./ppAmeriloan for 600.00 i have payed 360.00 as of today/ppHydra Fund 1 200.00 i have payed 780.00 as of today i already know this one is illegal/ppGreat plains lending 300.00 i have payed 186.06 as of today/ppWestern Sky 1500.00 i have payed 2622.62 as of today/ppI think all the payday loans are illegal in my state but having trouble finding out for sure.?/ppBut western sky I dont think is a payday loan, but can i do the same thing as the payday loans and close the account and send them a letter stating they are illegal in IL and I have already over paid them?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Do you give the bank one letter that you give to all pdls or a copy for each pdl?nbsp; I am unclear exactly what is given to the bank.nbsp; Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have multiple payday loans that I just asked for because my wife and I bought a house and needed money for closing.nbsp; /ppTrying to figure out if these are legal in houston,tx and if not what do i need to do to pay off prinicipal for them. /ppQloot(dma financial)nbsp; principal 800nbsp; interest 897%brgolden valleynbsp;nbsp; principalnbsp; 600nbsp;nbsp; interest 751.81%brtlc(cash central)nbsp; principalnbsp; 400nbsp; brWestern skynbsp;nbsp; principal 1500/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color: rgb(34, 34, 34); font-family: Helvetica Neue, Arial, Verdana, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);My mother is in Hospice care amp;nbsp;physically and mentally doing very poorly.nbsp;nbsp;This pastnbsp;Fridaynbsp;a companynbsp;representing the/spanspan style=color: rgb(34, 34, 34); font-family: Helvetica Neue, Arial, Verdana, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);nbsp;nursing home she came from served her papers for a dept of $24,000 and change. My question is does the person being served my mother have to be healthy physically and mentally in order to be served ? My mother new nothing of being served and I was told by the front desk. Thanks in advance !!/spandivspan style=color: rgb(34, 34, 34); font-family: Helvetica Neue, Arial, Verdana, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);br/span/divdivspan style=color: rgb(34, 34, 34); font-family: Helvetica Neue, Arial, Verdana, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);she is in a nursing home in westchester, ny/span/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I sentnbsp;a debt validation letter certify to an Attorney who is a third party collecting on a debt. The debt is no longer on my credit report. When I got the valdiation from the law firm. The original document wasnt sent. The firm only provide me with a regular copy paper type with my information; name, address, ss#, creditor who had the loan, and it wasnt the original creditor. This debt had been sold maybe three to four times to different creditor. Would this be a validation? Being that I wasnt provided the original nor promissary notice.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI got a call from ACS amp; Associates.nbsp; The guy started off with a bunch of crap about how they were giving me 2 days to take care of the situation or they would be taking me to court.nbsp; He said so much its hard to remember what all he told me.nbsp; I did have a payday loan with Seaside and back in Oct. they agreed to settle it for what I had left on the principal which was $42.50.nbsp; I agreed, but failed to send it.nbsp; I realized what I had done when I got this call.nbsp; Anyway, I called Seaside but they say they cannot accept the payment because they have already sold to third partynbsp;collections.nbsp; I asked them who they sold it to and they said it was Debt Management Partners.nbsp; I have never heard from them.nbsp; According to the guy from ACS they are the owner.nbsp; He cited many laws and told me that Seaside was from Florida but according to Seaside website they are in Belize.nbsp; I told him that I would not pay him and if wanted to sue me to go ahead.nbsp; You couldnt get a word in with him.nbsp; He has my SSN and alot of information about me.nbsp; /ppI know I should have paid more attention and paid Seaside but didnt.nbsp; So what do I do now.nbsp; They are tellingnbsp; me that I owe $847.00.nbsp; I know that when I did the loan with Seaside it was for 600.00 and the charges were 147.00 for a total of 747.00 but they agreed to take the payments I had made and consider it pif if I sent them 42.50.nbsp; /ppShould I just tell him to FOAD if they call back.nbsp; /ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can i include my payday loans in my bankruptcy here in CAhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have gottten myself into payday loan hell...nbsp;nbsp; Listed below are the lenders and amounts borrowed and amounts paid.nbsp; I live in Wisconsin and unsure about the laws,nbsp; based on what it says is that if I sought them out I am responsible.nbsp; I have gotten threatening calls saying I was going to get arrested and good luck.nbsp; I have tried to make good on these loans, however like I said this has spiraled out of control.nbsp; My checking accounts have gone into default, one is 1300.00 in the hole and I am in collections for that.nbsp; The other one is barely floating as I get fees etc.brbrulliUS Fast Cashnbsp; loan amount 300.00nbsp; Paid back 365.00brbr/liliCash Centralnbsp; loan amount 400.00nbsp; paid back 200.00brbr/liliNETcash 123nbsp; loan amount 450.00nbsp; paid back 540.00/lilibr/liliNet Creditnbsp; loan amount 1290.00nbsp; paid back 994.15brbr/liliCP Investors loan amount 300.00nbsp; paid back 450.00/lilibr/liliHorizon Opp loan amount 300.00 paid back 270.00brbr/liliVIP Loansnbsp; loan amount 500.00 paid back 150.00brbr/liliSGQ ltd loan amount 300.00 paid back 180.00br/li/ulpI am to the point of ending everything.nbsp; I work 3 jobs and havent had a dime in months.nbsp; I dont answer my phone, ringer is off and has been for months.nbsp; They are callingnbsp; me at work, etc./ppbr/pullicashjar loan amount 450.00nbsp; paid 775.00br/li/ulhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ PThis company called my job and said they needed to speak with me regarding a recommendation but i googled the name and it looks like they are a collections agency...i had PDLs and i closed down my accounts.nbsp; Most of the companies marked my accounts paid in fullnbsp; but there are a few that arent working with me and sent me to collections.nbsp; the ones that arent working with me ive paid way more in the finance fees than the actual loan.nbsp; my question aboutnbsp;the collection agencynbsp;is are they legal in NY (where i live) and are they legit?nbsp; I have no problem paying any of these companies back what i owe but not a penny more./Phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ divSo something told me to randomly check my credit report and I realized the Los Angeles Fire Dept had charged me for an ambulance ride that occurred in February of 2012./divdivbr/divdivI received NO bills in the mail. I didnt see where they had tried to bill my insurance company. I didnt receive any phones etc. The only bill I received in the mail was from the actual hospital I was sent to and paid them off in a timely manner. I never got anything from the Fire Dept./divdivbr/divdivI see that as of October 2012, the bill was sent to a collection agency and I owe approximately $1400?/divdivbr/divdivHell, I havent even heard anything from the collection agency?/divdivbr/divdivbr/divdivWhat should I do? What steps should I take?nbsp;/divdivbr/divdivI wouldnt have had a problem paying the original bill but I never knew there *was* a bill. My insurance company wouldve informed them and me that it could not be covered./divdivbr/divdivbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ As many of you know once you get on the PDL merry-go-round it is hard to get off.divbr/divdivI live in WY and have payday loans with the following companies/divdivbr/divdivEverestCash Advance/divdivCashJar/divdivOne-Click Cash/divdivIdealGelt/divdivCastle Payday/divdivbr/divdivI am almost one month behind on several accounts and need some relief, nbsp;Can anyone tell me where to begin? nbsp;Thanks./divdivbr/divdivbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have a 200.00 loan with Hydra fund /pp300.00 loan with ameriloan.com/pp300.00 loan with greatplainslending.com/ppI live in IL are these legal in my state I am having trouble finding this information/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pstrongWhat state do you live in? /strong/ppstrongArizona (AZ). All of these payday loans were online./strong/pstrongpbrWho did you borrow from??nbsp; How much did you borrow?br/ppYour Fast Paydaynbsp;loansnbsp;$150brbrWhite Hills Cash $190brbrSIGMA SOLUTIONS $200brbrFedFinSvcs_Ltd Payday Nation $240brbrAdvance Me Today $300brbrLakota Cash $300brbrVIP LOAN SHOP $245brbrMoneyKeynbsp; $500brbrRD STN FINANCIAL Redstone $400/ppbrHow much have you paid/strongIve paid the principle on each of these loans, but with the fees ive been paying, it hasnt been applied towards the principle yet.br/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have been in a downward spiral of payday loans for years.nbsp; In October I finally took the plunge and closed my bank account and took control.nbsp; At the time I had 7 payday loans./ppI got 2 written off because they were illegal.nbsp; Three of my loans I consolidated and paying off that way.nbsp; And the other loan I did an EPP and I have 3 payments left and I am DONE!!!nbsp; The only one I have up in the air is Zest Cash / Spot Loan.nbsp; I believe they are now illegal, did get threatening emails from them, but havent heard from them for about 3 or 4 weeks.nbsp; So that kind of make me nervous!/ppBut, I feel like I am almost out of this mess.nbsp; Thanks so much to everyone here./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Here is the letter I sent to Cash Fairy, a tribal owned PDL (though I didnt realize this before working with them)...after reading my letter to them you will see the response I received back.nbsp; I am looking for advice as to how I should proceed...what are our rights when working with tribes?nbsp; Thank you in advance for your help.brbrbMy letter to them:/bbrdiv id=yui_3_7_2_1_1358179541180_11730Dear Lender,/div div id=yui_3_7_2_1_1358179541180_11723 style=TEXT-ALIGN:justify;After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid.spannbsp; /spanAlthough I am not legally required to do so, I am willing to repay the principal balance of this loan, which you will see I already have. To date, I received a deposit of $300 on 10/5/2012, and have had spannbsp;nbsp;/spanbi-weekly withdrawals totaling $514.29 debited from my account. This results in an overpayment of $214.29. br br /div div id=yui_3_7_2_1_1358179541180_11731 style=TEXT-ALIGN:justify;I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with Chase to protect my interest in this matter, per instructions from The State of Washington Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. br /div div id=yui_3_7_2_1_1358179541180_11732 style=TEXT-ALIGN:justify;BACKGROUND-COLOR:transparent;FONT-STYLE:normal;FONT-FAMILY:garamond, new york, times, serif;COLOR:rgb(0,0,0);FONT-SIZE:18px; br /div div id=yui_3_7_2_1_1358179541180_11733 style=TEXT-ALIGN:justify;I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney Generals Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. br /div div style=TEXT-ALIGN:justify;BACKGROUND-COLOR:transparent;FONT-STYLE:normal;FONT-FAMILY:garamond, new york, times, serif;COLOR:rgb(0,0,0);FONT-SIZE:18px; br /div div style=TEXT-ALIGN:justify;I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and Washington’s Attorney Generals Office. /div div style=TEXT-ALIGN:justify;I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. br /div div style=TEXT-ALIGN:justify;BACKGROUND-COLOR:transparent;FONT-STYLE:normal;FONT-FAMILY:garamond, new york, times, serif;COLOR:rgb(0,0,0);FONT-SIZE:18px; br /div divSincerely, /div divKatarinabr br /div div style=MARGIN-TOP:0in;CC:/div div style=MARGIN-TOP:0in;Federal Trade Commissionbr Better Business Bureaubr Washington State Attorney General/div div id=yui_3_7_2_1_1358179541180_11734nbsp;brbTheir response email:/bbrbrdiv id=yui_3_7_2_1_1358179541180_11680 p id=yui_3_7_2_1_1358179541180_11686 style=LINE-HEIGHT:normal;TEXT-INDENT:0.5in;MARGIN:0in 0in 10pt; class=yiv169249295MsoNormal span id=yui_3_7_2_1_1358179541180_11685 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;We are in receipt of your email regarding your account and have reviewed your concerns carefully in an attempt to resolve this matter. As clearly indicated in its website disclaimers and loan documents executed by you, Clearwater Lending, LLC (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana (the “Reservation”). The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law. As an economic arm of the tribe, the Company shares the Tribe’s sovereign immunity and, therefore, is not subject to state enforcement actions described in your letter. /span/p p id=yui_3_7_2_1_1358179541180_11679 style=LINE-HEIGHT:normal;TEXT-INDENT:0.5in;MARGIN:0in 0in 10pt; class=yiv169249295MsoNormal span id=yui_3_7_2_1_1358179541180_11678 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;The Fort Belknap Indian Community is a federally-recognized Indian tribe and a sovereign nation, as expressly recognized under federal law. iSee /i75 span style=FONT-VARIANT:small-caps;Fed. Reg/span. 60,810, 60,811. As such, Clearwater Lending, LLC, conducts its business under all applicable Federal laws and the laws of the Fort Belknap Tribe. Furthermore, we can attest that our Tribal lending business does not engage in excessive or abusive collection practices. We diligently work with our customers to resolve any inquiries and issues that have been brought to our attention in a timely manner. /span/p p id=yui_3_7_2_1_1358179541180_11749 style=LINE-HEIGHT:normal;TEXT-INDENT:0.5in;MARGIN:0in 0in 10pt; class=yiv169249295MsoNormal span style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;/spanspan id=yui_3_7_2_1_1358179541180_11748 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;We also respect your wishes to be placed on a Do Not Call list and your right to revoke ACH authorization. Consequently, we will cease all communications via telephone only to your place of employment and we will revoke your ACH authorization. At the present time, your account shows you have unpaid principal balance of $300 and current loan fee of $115 due tomorrow 11/11. To date you have made six fee payments totaling $514.29. As a courtesy to you, we will waive the latest fee amount, $25 NSF charge and the $25 late fee and you are only obligated to pay back your loan balance of $300 per the terms of your loan agreement. Please forward the remaining principal balance of $300 by cashier’s or certified check to our address below within seven (7) business days:/span/p p id=yui_3_7_2_1_1358179541180_11750 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11770 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;Clearwater Lending, LLC/span/p p id=yui_3_7_2_1_1358179541180_11751 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11769 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;PO Box 320/span/p p id=yui_3_7_2_1_1358179541180_11752 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11768 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;Hays, MT 59527/span/p p id=yui_3_7_2_1_1358179541180_11753 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;/span nbsp;/p p id=yui_3_7_2_1_1358179541180_11755 style=LINE-HEIGHT:normal;MARGIN:0in 0in 10pt; dir=ltr class=yiv169249295MsoNormal span id=yui_3_7_2_1_1358179541180_11754 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;Since you willingly borrowed the $300 from us, you are obligated for the fees associated with the time the loan was outstanding! Unfortunately, if we do not receive your remaining principal payment by the end of the seven (7) business days, we will be forced to resume normal collections and/or turn this matter over to our attorneys. You may call our collection department at a rel=nofollowspan style=COLOR:blue;866.302.1037/span/a to setup a repayment plan if you cannot pay your loan balance of $300 off at one time. /span/p p id=yui_3_7_2_1_1358179541180_11757 style=LINE-HEIGHT:normal;MARGIN:0in 0in 10pt; class=yiv169249295MsoNormal span id=yui_3_7_2_1_1358179541180_11756 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;We hope that we have answered your concern, but we would be happy to talk with you should you have further questions./span/p p id=yui_3_7_2_1_1358179541180_11758 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11767 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;Customer Support/span/p p id=yui_3_7_2_1_1358179541180_11759 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11762 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;David M/span/p p id=yui_3_7_2_1_1358179541180_11760 style=LINE-HEIGHT:normal;MARGIN:0in 0in 0pt; class=yiv169249295MsoNormalspan id=yui_3_7_2_1_1358179541180_11761 style=FONT-FAMILY:Times New Roman, serif;COLOR:black;FONT-SIZE:12pt;CashFairy.Com/span/p /divbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have tow pay day loans that are creating problems for me. I know it isnt much but hey total $900. I have made the fisrt interst payments, but the rest will be a struggle since I no longer have access to the same income.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I applied for an online payday loan with Payment Direct Payment loan was $200.00 so the total I needed to pay back was 289.00 dollars. I have been paying on this loan since Oct. 2012 the sume of 89.00. The total payment the debit out my account is $ 534.00 and the rep I talked to stated that it is not a paydown loan I need to pay $289.00 to complete this loan even though I have paid a total of 534.00 dollars. I feel that I have completed my obligations what should I do? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pToday a guy (with heavy Indian accent) who said he is from the Dept of Legal Affairs, called looking for my attorney info. I said for what? He said the Sheriffs office didnt contact you last week? I said no, he said oh you need to call Mike Carter at 415-952-5630 and he can explain. I said why cant you, he said cause I dont have your file, he does. Im just calling for your attorneys info. I look at the caller ID and its the SAME NUMBER hes calling from. So I call it back. Mike (also with heavy Indian Accent) said he would explain everything, he would just appreciate it if I didnt interupt him until he was done explaining the situation, so I didnt. He said I was bring brought up on 3 counts, one was check fraud, another is deception, I really wasnt paying attention to the 3rd one, butnbsp;I will be arrested this week. Then he said, Im done. So I replied with my defense ofnbsp; closed account, sent emails to the payday company letting them know what I was doing and that PayDay Loans illegal where I live in the state of NY. As I was doing this, he kept interupting me, I said to himnbsp;I did not interupt you, I appreciate you didnt interupt me, he then stated that letters will be going out to my job and home tomorrow and I will be arrested as well and then hung up./ppnbsp;/ppSOO... What do I do? Call an attorney? Call FTC? Call Attorney General? Ignore? /ppnbsp;/ppOne thing I noticed is they never said the This is an attempt to collect a debt.. speech. Ive been a debt collector before so I know no matter what the call is about they have to say that every time, like miranda rights... But that and the Indian Accents have me thinking scam... Thoughts and imput greatly aprpeciated... /phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI need a current mailing address for cash transfer centers - thanks. /ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color: rgb(42, 42, 42); font-family: Segoe UI, Tahoma, Verdana, Arial, sans-serif; font-size: 13px; line-height: 17px; background-color: rgb(255, 255, 255);I posted separately for WS/CC -- just too much on that alone. That is a must read for anyone that needs a good laugh.. nbsp;This is the rest.. Since finding this wonderful site in September and starting my process.. I have gotten a PIF from Great Plains Lending -- nbsp;I have not really heard anything from Plain Green since I sent them this email Dear Plain Green, Do yourself a favor and mark my account paid in full. I am not paying you another cent - you owe me a refund of $1002.89 that I have paid on my loans with you. nbsp;If you charge me off to collections I will not hesitate to not only cease and desist them, but make them aware that I informed you I am aware of the illegality of the debt and the fact that I will not be paying any remaining balance and that you in fact owe me a refund again for $1002.89. Cut the crap and save yourself the time. You lost this one, I know that you are illegal to loan in the state I live in. Love, Your past customer Dec 4th -- cant understand why. LOL -- I have worked out payment arrangements with my 2 largest in store ACE and 1 Stop and will have them paid in full in by mid Feb.. With 1 Stop because I was honest with them and stuck to my arrangement they have already knocked off $827.65 in fees that could have been applied.. So those are both going well! -- I have paid off 2 store fronts that were in my husband’s name in full. -- I will have one PIF this next payday -- That will leave me 6 store front legal ones to deal with - I think that in mid Feb I will be paying off at least one more in full and then I am going to take the extra money not spending on the others and pay towards the last ones to get them paid in full. --- I owe all of this to this this wonderful website and the people on here that took the time to help and assist me.. I can only hope that I can return the favor to others on here.. I sleep at night and know that they cant hurt me.. I am in control - I know by mid-year I will be done and through with all of them and then on to paying off credit cards and by the end of the year the only debt we should have is our vehicle and our student loans. The vehicle will be the next to pay down early... Again Thank all of you - this site has made me a better, stronger person..nbsp;/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am an account holder for a checking account with my fiance, a bank levy was put on the account against him, is this legal since it is my account?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am working through this nightmare and have done the following so far, closed my bank account, opened a new account and have the letters ready to send out to lenders. My question is do I need to give letters of revocation to the bank that I closed or just by closing it should be enough?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ These people are ruthless! I have sent all necessary letters to the PDL companies and am now doing some sitting and waiting. However, I had a loan with Gateway Holdings for $300 and have recently been contacted by their collection department, ECG. These people never tried to contact me first. They called my ex husbands parents! I have no idea how they got their number, other than looking for anyone with the same last name. They explained to them that they were looking for me to serve me papers, blah blah blah. I was mortified! I have also had a similar experience with United, who are collecting on a loan for Huskhawk. They are claiming I owe $925 for a $250 loan. How do you handle these people? I want to pay the principle but Im scared to even contact them. United has already called my work, and left every detail of the situation on our main office voice mail!nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ nbsp;I had a cell phone thru bluegrass cellar. To keep in Comtact with my dying mother of cancer.in 2008. I had my phones taken from me when we took her to St. Louis. I turned in my phones as being stolin and a month later I received a bill for $6500.00 nbsp;I was shocked and again called them as they told me Iam liable for this bill after a lo g time of arguing and being transferred from one person to the next. They told me it will be taking off and that the phones was t shut off right away. nbsp;Well 2yrs later my wages was garnished and after being taking out of my check for a couple yrs my job ended. They nbsp;never garneshed me again. But they have called me and I once again told everything. They agreed to mark it up as pd in full. nbsp;However its still on my credit report to pay $7200.00. What can I do.nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Thanks for any help.brbrMy husband just received 2 letters about a debt he supposedly has with G.E. Capital.nbsp; Both letters state diff. amounts but the same account number (14 numbers?)brbrThis supposed debt has never been on a credit report and I have reports for him back to 2005. nbsp;brbrDo I send them debt validation letters? Do I contact GE Capital first? He was married at one time and the ex isnt exactly above having opened an accout but it would have been years ago and I dont have any proof or info of this happening. nbsp;brbrthe sample letter i saw here mentions credit report and he doesnt have any entries on his credit report, so i was wondering (if you think we should send a debt validation letter), would this be ok:brDear Sir or Madam, brRe: CA Account Number xxxbroriginal creditor account number xxxbrbrI recently received a notice of a bill due to your company you say I owe from a G.e. Capital.nbsp; I am writing this letter to inform you that I am requesting you provide me validation of this debt.nbsp; Verifying you have my name and address and an amount you claim I owe does not constitute verification of said debt. nbsp;brbrUnder the FDCPA, I have the right to request a validation of this debt.nbsp; Please attach copies of the following documents:br1. Agreement with your client that legally authorizes you to collect on this alleged debt.br2. Agreement that bears my signature promising to pay the original creditor.br3. Complete payment history on this account, to prove the amount you wish to collect is accurate. nbsp;brbrSincerely, brbrbrand both of these companies(ARA Inc. and P.N. Financial) have entries on ripoff report if that makes a difference.nbsp; thanks againhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pIs plain green loans a legal company in Maryland and Cash Net USA?nbsp; I have defaulted and do not really know what to do?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I made the mistake as many here and got myself in a bind.brbrI have loans with brPlainGreenbrAdvanceMeTodaybrCashCurebrbrI have been paying on the last 2 for about 2 months now. I paid in 450 Each with loans of 500 and 600.brbrAre these guys principle only or do I have to pay the fees alsobrbrI Live in WI, I can not seem to find out 100% of these lenders are legal there.brbrI like to be able to pay in my terms. I will pay them back, just not @ 150 every two weeks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI need to know how to change my payment arrangements for my payday loans. If I get a pre paid card will the companies take the payment from them? If so how do I go about doing that? I have to stop the payments coming out of my bank account immediatly./ppThanks for your help..../phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is the deal with Sallie Mae and National Enterprise Systems?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Had to share, nbsp;just got this letter - now remember I borrowed from WS- $2600 with a $75.00 processing fee and paid total of $1126.53 total in payments before finding this site in Oct! Leaving a balance of $1398.47 - which I plan on eventually paying when they are done with their foolishness. Today I get a letter in the mail dated Jan 4th - Telling me that I have a total due now of $3864.87... but with an opportunity to save $10,881.50 on my CC loan - which I never had one with them, That I currently owe 44 monthly payments of $294.46 for a total of $12,956.24 -- And because the want to resolve this matter quickly they are offering me one of three options:divA lump sum of $2074. 74 which would cause me to pay them an extra $$676.27 - a 20% reduction of my current balance saving me $10, 881.50/divdivor 8 payments of $324.18 no later than the 18th of Jan and then the 15th of each month which would save me $10,362.80/divdivor 1 payment of $162.09 by the 18th of Jan another for the same by the 31st of Jan with continuing payments of $324.18 on the 15th of each month for the next 7 months.. which would save me supposedly $10, 362.80 -- If I dont call the office by the 18th of Jan thin this one time deal will become null and void - is that like the agreement I signed with WS... null and void due to being illegal?? I do wonder what they will offer next.. this one is interesting since The letter I have dated the 3rd, wanted to lower my interest from 135% to 89% and extend my payments out to the 1st of Feb 2017../divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I cannot be Sally mae with my student loan I am unemployed what can I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ PI became over whelmed with payday loans and cannot not pay them right now.nbsp;nbsp;I realize that payday loans are an irresponsible solution when you are already having money problems and I have paid some of them well over what I borrowed in interest.nbsp; Once the problem started to cause me to not pay rent, electricity, etc.nbsp; I just shut my account down, sent the companies a certified letter stating that I am unable to pay at this time and fielded the calls.nbsp; One company in particular, has hired someone who says he is a lawer and someone whonbsp; is a process servernbsp;to all my job and tell them to tell me the process serverisnbsp;on his way to serve me with a summons for check fraud and the less than desirable things that will happen, such as being jailed.nbsp; This company is MyPayDayLoan.com.nbsp; First, his this legal entity in Texas or even the United States.nbsp; Although I intend to pay the loans back, with some negoitiation, I would like to know how far these companies can go.nbsp; Is there a place I can go and check of the authenticityof these companies?/Phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI just checked my reports and have 3 inquiries from Joe Pazzuto Law Firm. I dont have debt or owe anyone nor have I recieved anything from them. The inquiries were 4 months ago. Is this legal? Why and how can they do this?nbsp; I am in Afghanistan and cant stay on phone with them./ppThanks/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ brAmerican Web Loan (2) loans at $700 each - $420.00 have paidnbsp;onlinebrbrCastle Pay Day - $500 have paid $175.00 onlinebrbrBefore I close my account am I suppose to contact a processors? Im really not sure what I need to do. Can someone help?brbrThanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I acquired a loan through American Web Loan in the amount of $700 in April of 2012. As I was not able to pay back the entire amount, they deducted $200 from my checking account bi-weekly for a total of $1400, until I was unable to work due to having surgery. I e-mailed them and explained the situation, and they said I could miss one payment, but to call customer service. Problem is, when you call you are put on hold. FOREVER. I tried calling back and choosing the option to take a new loan out (just to get a human on the line) and was transferred again just to be put on hold. My account has since been closed. Furthermore, when I sent bank records for the loan to prove income, I explained that while I made a certain amount, the total household income was higher due to being the payee for my sons SSDI checks. They said this income could be included for consideration of the loan amount (?) but since researching the subject, I dont think this is legal. I live in Ohio, and Ive read that I am obligated only for the principal. Is this true? I am (of course) receiving calls that warrants will be issued for my arrest and so on, and from what I understand, I cannot be arrested either. Is this also true? Thanks for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Oklahoma andnbsp; I have two online payday loans. Advance American/Cashnet offered me the EPP without me asking and I took it.nbsp; I notified Speedy Cash that as required under OK law, I want an EPP, which Ive had before with them. I notified them on 1/9 and my due date is 1/14, and I notified them via email so Id have proof. The response I got back was that I had a CFSA payment plan back in August and you can only have one CFSA plan per every 365 days. That is not Oklahomas law, and I know that if a state require an EPP, then CFSA members have to follow the state, not CFSA. So I emailed Speedy Cash back, quoted from the CFSA website and linked to where it states members must follow state law first. I also directed her to their own website that states my loan is governed by the laws of Oklahoma. That didnt work. The next email I got just said the same as the first, that the CFSA payment plan is the same thing as the Oklahoma EPP and that I can only have once per year. Now its getting close to my due date and I do not want them debiting my account for the full amount of the loan. I called CFSA and explained the situation, the lady I spoke with agreed that they have to provide the EPP per Oklahoma law and theres no yearly limit. She asked me to email all my info to her and that shed contact Speedy Cash corporate by phone. I forwarded her all the emails Ive received regarding this, and then I emailed Speedy back to tell her Id contacted CFSA again and that the CFSA rep would be calling. I havent heard backnbsp; yet, but Im afraid all their stalling will result them debiting my account on 1/14 for the full amount. Any suggestions on how to best handle this - what will happen if I stop payment on the debit? I cant enter an EPP at that point and Ive never had to stop payment before.brbrAre there even any consequences if a CFSA member doesnt follow the best practices, or are there consequences if Speedy doesnt follow the OK laws for deferred deposit lending? They are licensed to loan in OK and the rates and terms of my loan follow OK laws, except for the EPP issue. I notified them several days in advance of my due because I was afraid theyd refuse, but I figured theyd give me the EPP when I pointed out that info on their own site says my loan is governed by Oklahoma laws! brbrThanks in advance.brbrhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Houston, TX and Im stuck in payday loan hell. After my husband lost his job things were really tight and I applied for a storefront payday loan from First Cash Advance the prinicpal loan amount was $900. Since Oct 2012 Ive paid over $1407 dollars in fees. The currect payoff amount is $1,101.20. This friday Im suppose to go in and make another payment for $201. I would like to see how I can handle this loan if I close my account. About two months ago I called the collections department and unforunately since my loan hadnt defaulted they wouldnt discuss any type of payment arrangements. I was instructed to either pay my finance fee or pay my loan off no arrangements will be made. I dont understand how I can call and ask for some type of arrangement cause the $400 Im giving them has put he in a hard financial place were struggling to maintain our normal household bills. So I had to get another payday loan to keep my lights from being disconnected. I have another payday loan from Cashstore with a balance of $540 the principal loan amountnbsp;was $475 and Ive made payments that totaled $362.62. Any advice any one can give would be greatly appreciate Im drowning trying to keep up with the loan payments. Help please my time is running outBRBRThanks guys ...BRBRStruggling in Texas.. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My uncle hasnbsp;receivednbsp;a call from a company that claimed to be callednbsp;consolidated. When I called the company and gave my case number thatnbsp;advisednbsp;me that I had an outstanding payday loan from 2008 and that I had to pay 580.00 or they were going to serve me with fraud. At this point I became very nervous and pulled out my visa to pay in full. They assured me that I wouldnbsp;receivenbsp;a confirmation via email within the hour and I still have not gotten anything. I amnbsp;beginningnbsp;to believe this was a scam. I know I did default on some loan but 2008 is a long time ago and 580.00 seems to be a high amount to me. My questions are as follows. Firstly, is it legal to call my uncle at his house? It was verynbsp;embarrassingnbsp;tonbsp;receivenbsp;a phone call from him explaining the situation . Secondly, Have I made a mistake by paying the money without asking for anynbsp;writtennbsp;proof of the debt they said they had bought from the payday loan company? Thank you for your help in advance.divThere phone number is 877-210-2180/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was behind on my Bof A Visa, was offered a settlement through FIA card Services(nbsp;June 2011). They applied my settlement as a normal payment and did not close/settle with BofA, but reassured me each time over 5 months i called thereafter it was still being processed(the settlement). I was 120 days on mortgage and 90 days on another card, which I succeeded in settling during that time. BofA says it is between myself and FIA, but FIA refused to send me anyhting in writing.nbsp; I have written down names and times for each conversation over that time period, but no recorded calls/written letter from them. Never paid remaining balance on card. BofA closed account April 2012, a law office in South Carolina has picked up this debt and is calling me to collect on it now. I have yet to receive a validation of debt letter, told them I would call when I received onenbsp;and told them to stop calling me. The samenbsp;person from the collection firm/law firm called again today. Where do I start with this? I submitted a complaint to the FTC for FIACard Svcs, and am disputing the debt with the bureaus/collector in SC. Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Son had short sale in NC 11/ 09, moving to nbsp;OHIO ..Debt collector (attorney firm)contacted him in early 10 for deficiency..He contested validity of debt ..had received anbsp;CONGRATULATIONSFOR PAYING OFF LOANletter from the bank Feb 10 ..along with the SATISFACTION OF SECURITY INSTRUMENT LETTER..divThe deficiency was on a Line of Credit which was used to purchase the home in lieu of downpayment). docs requested esp the above letters never produced ,a year went by with no correspondance from attorneys office in Cleveland ,OHIO.divnbsp;/divdivNow getting letters from Recovery Service in TX .Still contesting validity of debtnbsp;/divdivbased on the letters as noted above in paying off and requesting docs to prove debt and amount (..Wondered if bank had originally written off debt and that was why that letter was sent. ).Response basically same letter with increase in amt due but did not provide docs requested ./divdivbr/divdivWondering also if property in NC which is NON recourse state but now living in OHIO ,which state comes into play in this issue./divdivbr/divdivHe has been out of work 4 yrs and moved back in with us..Cashed out retirement ..basically judgment proof it would seem, ..Originally told attorney in Cleveland OH that he would file bankruptcy if necessary ,still not understanding the Pay off letter.../divdivAny help appreciated../divdivbr/div/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi i am nbsp;christopher i just have a uestion for you i was woundering if applied bank did credit checks and for some one who does do they still approce credit cards to them? Please e mail me back at chrispricejake@gmail.com thanks in advancedivbr/divdivbr/divdivChristopher/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, nbsp;Ive been getting phone calls off an on for the past year and a half from multiple companies requesting payment for 2 payday loans that I have paid in full and have the letters in proof. nbsp;One company is SDS Processing and the other is Sandpoint Capitol. nbsp;In the past I have told these companies that the loans were paid in full and that I had the letters from the company Henderson, Weinstein, Wyatt and Affiliates, Inc. stating paid in full, I would email a copy of the letters with a read receipt attached then I would hear nothing else for another 3-4 months until a different company would call.divbr/divdivToday I got a call from 2 different companies both at the same time, one at work and one on my cell. nbsp;The company that called work was called National Fraud Investigation Agency, the initial person I spoke to said I was being with 2 counts of fraud and they were going to the States Attourney today if I didnt work out some payment arrangement with them immediately. nbsp;I told them that I had already paid the bills and had proof. nbsp;I was put on hold and transferred to their investigation unit where they told me that the company I made the payment to wasnt recognized by either SDS or Sandpoint!!/divdivbr/divdivMeanwhile I received a call on my cell, the message said it was ?? Check Systems and they were calling to report fraudulent activity on my checking account. nbsp;I called them back and they turned out to be a another company looking for payment on the same accounts. nbsp;/divdivbr/divdivWhat do i do? nbsp;In the past is was annoying but I put up with the phone calls, no one seemed to give me that much trouble when I told them the bills were paid but now things are getting scary. nbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello,/ppnbsp;nbsp;nbsp; I recently call Cashcall and asked them if they were legal to do cash advances in the state ofnbsp;Georgia and they told me yes they can do business here. Are they correct? /phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I really hope someone can help me on this one!! I had a few pdl amp; I sent out the letters because they were not legal here in IllinoisBRBRCash LineBRAmerican Web LoanBRMy Next Day CashBRBRSo Cash Line left me a voicemail (a representative said she was going to send me an email as well, I would have waited but I was too nervous) and she said Yes, we know we are not licenced in Illinois, but there is a clause in the contract that you signed and you agreed to abide by the laws of Deleware, where we are kinda licenced.... Ok, so first is Cash Line legal in Deleware ? And is that true, if they are licenced amp; I signed off on this clause do I legaly have to abide by that ? I took out a 600 loan in November amp; I have paid a total of 550. I wrote in my email that I would pay the 143.00 still left on the loan. PLEASE HELP !!! BRThanks a bunch in advance !!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Help help... What do I do. I closed my account sent the letters per the forums I read. Now this global pre-lit want stop calling. They first have someone whos number is from my area call saying they are a private locator and they give me claim number to call global pre-lit theynbsp;will notnbsp;give me addrress to send camp;d and have said a camp;d doesnt apply to them cause they are a ligitation firm, but i thought if i dont want you calling I can send you a send camp;d. They want give me anything. When i call the private locator number back it is a recording saying this dept of investigations does not accept messages, then says leave a message. I know this is a scam company cause how you going to sue me for an illegal loan in my court. They called my job and I am nervous. I do not want it to get to my sup or even my manager. I dont know how to get them to stop I filled ftc complaints. should I do police report???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in ohio and I have a loan with Great Plains for $600. I have since paid $515. They still have me down for 8 more payments at 121.37 each. Is Great Plains a legal lender in the state of ohio and Id not what do I do next? Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello,brbrIf my checking account on Bank 1 is being hit for a $5000 garnishment, but there is only $1500 there, what happens to the remaining $3500 they are looking for?brbrDoes it remain attached to Bank 1, waiting for funds to be deposited, or will they move it to Bank 2 and attempt to get it from there?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have tried numerous times to register and it always says that the email is already in use. I have tried 5 different emails and the same thing. I really would like to register so that I can answer questions and post replies. Every reply I have done has not been posted. I have 2 questions that have never been posted and have no responses. Please either register me or send me the correct way to register. NO PERSONAL INFO.contact jason,or vikas but putting your personal info and making demands will get you nowhere.nbsp; pmhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I just called a company that offered to help remove the default off of my student loans, they required a fee Id 499.00 to remove the debt, nbsp;they also said that I would not have to pay an upfront cost, is that a normal procedure for student loan default companies?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 4 payday loans. I keep paying 390 every two weeks and I am BROKE. I cant pay my bills, and have only been paying interest-- please help!divbr/divdivI am in PA amp; the info is as follows./divdivbr/divdivLender 1: OPD Solutions (they email me as CWB Services). nbsp;I borrowed 300 and have paid back $270.00./divdivbr/divdivLender 2: Ashland funding (they email me as Crestwood Marketing). nbsp;I borrowed 400 and have paid back $720./divdivbr/divdivLender 3: GTI Holidings. I borrowed 300 and have paid back 180./divdivbr/divdivLender 4: Canyon Creek LLC (they also email me as CWB Services). nbsp;I have borrowed 300 and paid back 180./divdivbr/divdivbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ PHi,BRIs there a website that I can find out if a payday lender is licensed in my state? I am in Florida and have 5 payday loans./Phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI had signed up with a debt settlement company for around 5 months. They never paid anyone and I canceled their service.nbsp; I contacted all of my creditors and made arrangements to catch up with the payments with allnbsp; of them ( They are all up to date except one Capital One and they are working with me.nbsp; I tried to talk to Wells Fargo explained what happened but they said there was nothing they could due unless I paid the full overdue balance which I could not. /ppSo about 4 months ago I was served papers from a attorney representing Wells Fargo I called the lawfirm and we came to an agreement that I would pay $100.00 for six months ( I have made 4 payments of $100.00 last one on Jan 2,2013 ) and then $200.00 monthly until I am paid in full. I have papaerwork stating the agreement from the lawfirm.nbsp; Everything was going OK until last night when I was served again by the same lawfirm. I am suppose to appear in court in February. The summons is saying that I have defaulted and have not made any payments. /ppI do not know what to do. Should I call the lawfirm and ask them what is going on?nbsp; I really dont want to have to go to court but I do not have the full amount to pay the bill in full.nbsp; Please give me some advice.nbsp; Thank you./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I need some advice. I have several PDLs and found they are not licensed in OH where I reside. 2 are off shore companies. Loans were for 400$, I have paid at least 600$ on them each. I faxed letters stating I found they are illegal in my state and I only owe principle. I feel the debt has been fulfilled. Does this sound like I did the right thing? Any advice what to do next because they are not cooperating. Keep demanding payments. Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have found lots of info on this site about illegal payday loans but not much about legal ones. I have multiple payday loans I am trying to get paid off. Most were taken out at storefronts but a couple were done online. All have defaulted and Im getting collection calls. Im going to have some extra money pretty soon and want to negotiate paying these off and preventing them from being listed on my credit or being sued. Are there any links that have info on how to negotiate with legal PDLs? I want to send DV letters to the collection agencies, but need to know more info about my rights and the laws before I do it. Like am I entitled to just pay the principle back on those as well? Also a couple of them were lines of credit. One was online and one was in a storefront. So the interest is constantly accruing. The storefront one is now almost double the original amount I borrowed and I paid several payments. So can I negotiate that they apply those payments to the principle and then offer a settlement? So basically I end up paying back just what they loaned me. The online one was with cashnet usa. Is a line of credit legal with them online or is it governed the same as a regular payday loan? Thanks and any help or direction is much appreciated!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ a man called me claiming to be an attorney. he said that there was a warrant out for my arrest because I was being sued by a pay day loan company. Heres the thing, I never received money from any lender. as a matter of fact, i asked them not to call me anymore. so he prceeded to say that i had to pay 896.00 via western union in 1 hr. i told him i would not b able to do so. he then asked what would i be able to pay and when. he said i had a certain time to pay a certain amount of money or my case would be downloaded and my social security number and name would be given to local newspapers. he told me my address, and this frightened me a little. what do I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ garn - writ nbsp;been taking money from my paycheck and i havent recieve any letter for this and for how much more my balance. if they reach the money that i owe for this do they stop taking money form my paycheck?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Houston, Tx. I have two storefront payday loans with First Cash Advance and Cashstore. I owe FCA $1,101.20 the principal loan amount is $900.00 since getting this loan Ive made seven payments in the amount of 201.00. After calculating Ive actually paid FCA a total of $1,407.00 in fees. I need some serious help; making sure I pay FCA before I can pay any bills makes it extremely hard to live. My utilitiy bills are pilling up since Im paying less than the amount due. I want to set up a payment plan but after tryng to call and speak with thier collections department I was informed that a payment plan is unavailable since the checknbsp;I wrote to them hasnt actually been returned. Im scared if I let a check over a $1,000 bounce what type of legal troubles will I have in the county where I live. I thought if I called and let they know I was having a hard time paying that they would want to set up an arrangement but no luck. My other store front loan with Cashstore has a balance of $540 since getting this one Ive actually paid $361.62 in fees. Im open to any help or advice everyone is willing to offer. Can I be sued for defaulting on a pay day loan; can I be arrested for defaulting; what are the laws in Texas for pdl? Can they charge almost two times the principal balance in fees? Please help me Im stressed out...BRBRThanks in advance everyone BRBRStressed Single Motherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI received a call from a woman stating she was a courior that had documents she needed to deliver to me either at my work or at my home between the hours of 12 and 5, she alluded to the fact they may be legal documents and gave me a number which was 866-261-8504 to call and discuss terminating these papers being served. This sounds fishy..I did a search on the number and found nothing..I called and it was a message stating thank you for calling the outsourcing department of BRS (maybe) please hold... any advice would be helpful./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello,/ppI received a phone call today from a private number and a woman who was a private courior and had a package that may contain legal documents and would be at my work and home between 12-5 and for me to have identification for signature of possible legal documents. I was given a phone number 866-261-8504 with a case number..I have not yet called the number and was wanting some thoughts on if this is legitimate or not..she said she would be in my area. It sounds like a scare tactic but I am not sure. Has anyone heard about this number before..also I believe its for an old payday loan./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ we recently got a 500$ payday loanfroma company in OK. they have all our information,etc, but when we got this last loan, she gave us the cash and we signed the usual paperwork, but she never had us fill out a check to leave... we didnt even realize it until 5 days later... they have not tried to contact us in anyway.nbsp; When the loan comes due, what will happen if we dont have the money? BRBRWe know the right thing to do, but we have also had a tremendous hardship suddenly dropped on our laps, and we may have to choose between electricity and paying the loan. Without our check, what recourse do they really have?BRBRThank you,BRD.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, to all I just have a question.nbsp; Anyone who thinks they have an idea, fell free to answer.nbsp;nbsp; My wages are and have been garnished since 2009 now.nbsp; For failure to pay my student loans............completely my fault Im not making excuses.nbsp; Hindsite is 20/20 is all I have to say.nbsp;nbsp;nbsp; 2009, 2010, 2011, and 2012 I have been garnished over 5,000 each year...........and each year, I file and I get my tax refund (cross my fingers this year)nbsp; My question is can I and should I have been claiming the money garnished on my taxes?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Why are all of my post getting stuck -nbsp;divI have one in pay day loans now and one in members only forums.nbsp;/divdivbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need cash loan you have any solution for bad credit rating peoplesnbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello, I tried to call Payless Financial group LLC. on the phone but the company was closed . I am writing to ask you do I pay one or twice a month I had forgot? and I am sending my payments via money gram only , my account number is 356197 name is Johanna Holland /ppRespectfully yours. Johanna H./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I won a judgement, and the other party committed fraud against me. Will they qualify for chapter 7....and they have several pending lawsuitshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey everyone, I just joined the community today, ready to tackle my debt! A little about me, Im 26 years old, currently unemployed and have roughly $38,000 in debt. $30,500 of that is school loans, the rest is medical bills and Im also paying monthly for a voluntary reposession. I have not paid on anything aside from the repo for a few years (I know, thats REALLY bad but my reaction to my debt was to ignore it unfortunately :( ). Ive been trying to read a lot of how I got out of debt stories for motivation but only got angry. They all seem to be from individuals who have a high paying job or items they can sell or a 401k they can cash out to help widdle down their debt etc. What about someone like me who when she has a job usually lives paycheck to paycheck, has already sold anything of value, no 401k, no rich family member to borrow from? Are these debt consolidation companies really legitimate? I definitely feel overwhelmed and obviously being without a job I have no income to even start fixing my situation but when I am employed, does that sound like a good option for me? I recently moved to an area of Florida that has pretty bleak employment options, most of the jobs are about an hour north or south of me and thats just not an option considering gas prices and my 23 year old car. Is getting out of debt really feasible for someone making $10 or under?nbsp;divbr/divdivSorry for the essay, Im finally ready to get this out in the open and really get it under control. Thanks for reading!/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i got a notice for court today about a credit card debt that i forgot i even had its so old when i called them they said 2001 its 2013 now im from indiana is that out of solhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI was informed today by my employer that Western Sky/Cash Call sent in a employment verification form to start the garnishing of my wages. My employer sent the form back. nbsp;The sent it through a collection agency called NRS, LLC./ppI know they are an illegal company and I only have to pay the principal. Will they really garnish my wages? What should my next step be in this process? How long before garnishment will happen? I am at a loss and not sure what to do. /ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How are pay day loans at cash places different from internet paydayloans? What if I nbsp;default on internet paydayloans? What will happen to me???..Will i go to jail?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there,divbr/divdivI am from Texas and have 1 outstanding Payday Loan and 2 installment loans.nbsp;Does anyone have any help or advice in lowering my interest??nbsp;/divdivbr/divdivThe Payday loan is from Check n Go for $1,500.00. I have paid $500.00 and owe $1,917.73./divdivbr/divdivI have an installment loan from Plain Green Lending for $1,400.00. I have paid $358.85 and I currently owe $1,668.22./divdivbr/divdivI also have an installment loan from Great Plains Lending for $800.00. I have paid $302.99 and owe $1,074.51./divdivbr/divdivAny help is very much appreciated!!/divdivThank You/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just want to make sure these are correct before I send them out so if I could get a second set of eyes that have done this before, itd be a huge help. the Plain Green one is pretty straightforward but I want to make sure the Magnum one is correct.brbrI have just closed my checking account and opened another account at a different bank. (My old bank was an hour and a half each way from my new home which is why I didnt just change the checking account itself.)brbrAre these the letters I need to send to my payroll person?nbsp; Do I have to send it to payroll?nbsp; Id rather not involve my job, but if I have to I will.brbrTIA!brbrubPlain Green:/b/ubr!--[if gte mso 9]xml o:OfficeDocumentSettings o:AllowPNG/ /o:OfficeDocumentSettings /xml![endif]-- p class=MsoNormalDear Lender, br br It has come to my attention that payday loans are prohibited in the state of Maryland. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $1000 and have made 4 payments of $127.50 leaving a balance due of $490. I am willing to repay the $490 balance via credit card in 5 monthly installments of $100 each on 1/15, 2/15, 3/15, 4/15 and the balance of $90 on 5/15. br br At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.br br Please contact me via email to set up payment arrangements as outlined above./p brubMagnum:/b/ubr!--[if gte mso 9]xml w:WordDocument w:ViewNormal/w:View w:Zoom0/w:Zoom w:TrackMoves/ w:TrackFormatting/ w:PunctuationKerning/ w:ValidateAgainstSchemas/ w:SaveIfXMLInvalidfalse/w:SaveIfXMLInvalid w:IgnoreMixedContentfalse/w:IgnoreMixedContent w:AlwaysShowPlaceholderTextfalse/w:AlwaysShowPlaceholderText w:DoNotPromoteQF/ w:LidThemeOtherEN-US/w:LidThemeOther w:LidThemeAsianX-NONE/w:LidThemeAsian w:LidThemeComplexScriptX-NONE/w:LidThemeComplexScript w:Compatibility w:BreakWrappedTables/ w:SnapToGridInCell/ w:WrapTextWithPunct/ w:UseAsianBreakRules/ w:DontGrowAutofit/ w:SplitPgBreakAndParaMark/ w:EnableOpenTypeKerning/ w:DontFlipMirrorIndents/ w:OverrideTableStyleHps/ /w:Compatibility m:mathPr m:mathFont m:val=Cambria Math/ m:brkBin m:val=before/ m:brkBinSub m:val=#45;-/ m:smallFrac m:val=off/ m:dispDef/ m:lMargin m:val=0/ 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mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:Calibri,sans-serif; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Times New Roman; mso-bidi-theme-font:minor-bidi;} /style ![endif]--br!--[if gte mso 9]xml o:OfficeDocumentSettings o:AllowPNG/ /o:OfficeDocumentSettings /xml![endif]-- p class=MsoNormal style=line-height:normalDear Lender,br br It has come to my attention that payday lenders must be licensed by the state of Maryland in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received the following deposits totaling $3,600:/p table class=MsoNormalTable style=width:133.0pt;margin-left:4.65pt;border-collapse:collapse;mso-yfti-tbllook: 1184;mso-padding-alt:0in 5.4pt 0in 5.4pt border=0 cellpadding=0 cellspacing=0 width=177 tbodytr style=mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt td colspan=2 style=width:133.0pt;padding: 0in 5.4pt 0in 5.4pt;height:15.0pt valign=bottom width=177 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt;line-height: normalbspan style=mso-ascii-font-family:Calibri;mso-fareast-font-family: quot;Times New Romanquot;;mso-hansi-font-family:Calibri;mso-bidi-font-family:Calibri; color:redDEPOSITS:/span/b/p /td /tr tr style=mso-yfti-irow:1;height:15.0pt td style=width:78.35pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=104 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal align=centerbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; 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height:15.0pt valign=bottom width=104 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black11/6/2012/span/p /td td style=width:54.65pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=73 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black300/span/p /td /tr tr style=mso-yfti-irow:5;height:15.0pt td style=width:78.35pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=104 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black10/12/2012/span/p /td td style=width:54.65pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=73 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black300/span/p /td /tr tr style=mso-yfti-irow:6;height:15.0pt td style=width:78.35pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=104 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black7/5/2012/span/p /td td style=width:54.65pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=73 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black1500/span/p /td /tr tr style=mso-yfti-irow:7;mso-yfti-lastrow:yes;height:15.0pt td style=width:78.35pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=104 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:blackTOTAL:/span/b/p /td td style=width:54.65pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=73 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black3600/span/b/p /td /tr /tbody/table p class=MsoNormal style=line-height:normalnbsp;/p p class=MsoNormal style=line-height:normalI have had the following amounts debited from my account for these loans:/p table class=MsoNormalTable style=width:122.75pt;margin-left:4.65pt;border-collapse:collapse;mso-yfti-tbllook: 1184;mso-padding-alt:0in 5.4pt 0in 5.4pt border=0 cellpadding=0 cellspacing=0 width=164 tbodytr style=mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt td colspan=2 style=width:122.75pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt valign=bottom width=164 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt;line-height: normalbspan style=mso-ascii-font-family:Calibri;mso-fareast-font-family: quot;Times New Romanquot;;mso-hansi-font-family:Calibri;mso-bidi-font-family:Calibri; color:redDEBITS:/span/b/p /td /tr tr style=mso-yfti-irow:1;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal align=centerbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:blackDATE POSTED/span/b/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal align=centerbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:blackAMOUNT/span/b/p /td /tr tr style=mso-yfti-irow:2;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black12/14/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-643.2/span/p /td /tr tr style=mso-yfti-irow:3;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black11/16/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-359.07/span/p /td /tr tr style=mso-yfti-irow:4;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black11/1/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-216.9/span/p /td /tr tr style=mso-yfti-irow:5;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black10/19/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-199.45/span/p /td /tr tr style=mso-yfti-irow:6;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black8/16/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-1315.73/span/p /td /tr tr style=mso-yfti-irow:7;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black8/10/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-581.08/span/p /td /tr tr style=mso-yfti-irow:8;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:black7/27/2012/span/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightspan style=mso-ascii-font-family:Calibri; mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-703.25/span/p /td /tr tr style=mso-yfti-irow:9;mso-yfti-lastrow:yes;height:15.0pt td style=width:77.25pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=103 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:blackTOTAL:/span/b/p /td td style=width:45.5pt;padding:0in 5.4pt 0in 5.4pt; height:15.0pt valign=bottom width=61 nowrap= p class=MsoNormal style=margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal align=rightbspan style=mso-ascii-font-family: Calibri;mso-fareast-font-family:quot;Times New Romanquot;;mso-hansi-font-family:Calibri; mso-bidi-font-family:Calibri;color:red-4018.68/span/b/p /td /tr /tbody/table p class=MsoNormalCxSpMiddle style=margin-bottom:0in;margin-bottom:.0001pt; mso-add-space:auto;line-height:normalnbsp;/p p class=MsoNormalCxSpMiddle style=margin-bottom:0in;margin-bottom:.0001pt; mso-add-space:auto;line-height:normalThis results in an overpayment of $418.68. br br At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $418.68 overpayment. A refund check of $418.68 should be mailed to me at the address you have on file. br br I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked./p p class=MsoNormalCxSpMiddle style=margin-bottom:0in;margin-bottom:.0001pt; mso-add-space:auto;line-height:normalbr Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email./p !--[if gte mso 9]xml w:WordDocument w:ViewNormal/w:View w:Zoom0/w:Zoom w:TrackMoves/ w:TrackFormatting/ w:PunctuationKerning/ w:ValidateAgainstSchemas/ w:SaveIfXMLInvalidfalse/w:SaveIfXMLInvalid w:IgnoreMixedContentfalse/w:IgnoreMixedContent w:AlwaysShowPlaceholderTextfalse/w:AlwaysShowPlaceholderText w:DoNotPromoteQF/ w:LidThemeOtherEN-US/w:LidThemeOther w:LidThemeAsianX-NONE/w:LidThemeAsian w:LidThemeComplexScriptX-NONE/w:LidThemeComplexScript w:Compatibility w:BreakWrappedTables/ w:SnapToGridInCell/ w:WrapTextWithPunct/ w:UseAsianBreakRules/ w:DontGrowAutofit/ w:SplitPgBreakAndParaMark/ w:EnableOpenTypeKerning/ w:DontFlipMirrorIndents/ w:OverrideTableStyleHps/ /w:Compatibility m:mathPr m:mathFont m:val=Cambria Math/ m:brkBin m:val=before/ m:brkBinSub m:val=#45;-/ m:smallFrac m:val=off/ m:dispDef/ m:lMargin m:val=0/ m:rMargin m:val=0/ m:defJc m:val=centerGroup/ m:wrapIndent 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mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:Calibri,sans-serif; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Times New Roman; mso-bidi-theme-font:minor-bidi;} /style ![endif]--http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I want to know what is debt managementnbsp;divwhat is debt management plannbsp;/divdivis any affect on our credit card within debt managementnbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ VIP Loan Shop, White Hills Cash, Blue Thread Lending, and Zip19. Also, I live in Arizona. I really appreciate any help you can give me.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been reading a lot on your site and it has given me hope but Im still scared! nbsp;Its been hard for me to sleep at night. nbsp;I have paid out thousands in interest and realize my mistake in payday loans. Its a vicious cycle I cant get out of. nbsp;I live in Delaware and from what I understand, nbsp;loan companies have to be nbsp;licensed to loan.divbr/divdivI have loans with the following companies:/divdivbr/divdivCashnet.usa (licensed in Delaware)/divdivbr/divdivResponsible Loan (I cant see where they are licensed but have already told me they will not debit my account within minutes of getting my email). They said they are not bound by state laws. Is this true?/divdivbr/divdivAce (licensed in Delaware). nbsp;They want to convert my payday loan to an installment but will deduct the full amount which I cant afford. I want to revoke my ACH debit and make payment arrangements./divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a collection with my local county court house and they have cancelled my drivers license. I have been informed that if I dont pay TRS by 2-13-13 my license will be canceled indefinaty. My lawyer says that they cannot do that. Any advice? The amount owed is $1300. How can I work n pay it without a license?! And no I do not have $1300 laying around. I currently have $.19 in my bank acct.nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is it possible to get ACS (or any loan servicer) to do a settlement on anbsp;span style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);FFELP?/spandivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divdivspan style=font-family: Arial; font-size: 14px; line-height: 20px; text-align: justify; background-color: rgb(255, 255, 255);br/span/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im a resident on New York City, and would like to Loan Shop Online is licensed to do business in New York City?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am from New Mexico and I just found out that pdl lenders must be licensed to lend in my state. nbsp;I did research on the License and Registration department website and found the below to not be licensed:divspan style=color: rgb(34, 34, 34); font-family: arial, sans-serif; font-size: 13px; background-color: rgb(255, 255, 255);span style=line-height: 17px; font-size: 11.5pt; font-family: Arial, sans-serif;Lenders International, Ltd t/a AdvanceMeToday.com/span/spanbrdivdivRed Cedar Services, Inc. dba 500FastCash/divdivnbsp;MNE Services, Inc. dba UnitedCashLoansnbsp;/divdivCash Reserves, LLC- PAYDAY Mobility/divdivMount Sion Investment Holdings amp; Ventures llc -Best Pay Today/divdivTLE- National Payday Loans/divdivHydra Financial Limited Fund- Hydra/div/divdivbr/divdivI have seen threads, about this subect, on this website pertaining to states WA, CT, VA, and NC but not New Mexico...That being said, I would like help clarifying there is no loop hole or hidden typing in the agreement thatnbsp;separatesnbsp;NM from other states.../divdivbr/divdivI have written to the above companies revoking any ach authorization and wage assignment as well as had my account closed due to unauthorized andnbsp;fraudulentnbsp;activity from a buPalm Loannbsp;Advances.../u/b/divdivbr/divdivInbsp;receivednbsp;a response from Advancemetoday stating they are legal because they are from St Vincent and have a treaty with the US... I understand from other threads this is b.s. and that state laws prevail, so I responded to clarify the revocation and that there is no treaty or federal law governing the contract I have with them.nbsp;/divdivbr/divdivI am willing to repay the principal, to all, but if these predatory lenders are not following New Mexico state laws by not being licensed do I have to honor the loan agreement?/div/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ im a resident in New York City and would like to know if Loan Shop Online, located in Wilmington Delaware is licensed to do business in New York City?nbsp; Please let me know ASAPhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ First off, I am so glad I found this site. I came across it by accident trying to find out if there was a way to put online PDLs on a payment plan. I have sold everything I own in order to continue to pay these loans, I cannot continue. I have been stuck in this cycle for over 3 years, I has cost me more than money. I pay one off, then I have to borrow again to be able to pay for the standard bills like utilities and such. I a really hoping I can get some help through this site. Here is what I have and what I plan to do.brbrI am WA states.br7 Day loans: Borrowed $350, paid $420brAdvance Me Today: Borrowed $300, paid $360brEverest Loans: Borrowed $400, Paid $600brPlain Green Loans: Borrowed $1000, Paid $838brUnited Cash Loans: Borrowed $800, Paid $720brbrWhat I need to know is if these are illegal in WA state, and if I can do what everyone else here is doing by closing my bank account and writting the letters. The next withdrawal is on the 19th. I need to this quickly. About 90% of my pay check goes to pay these guys. For the last year I have been living of extra work and side jobs just so I can pay these loans with my regular pay check.brbrI have already opened another bank account, I cannot close my current account with BofA because my wifes direct deposit check goes in next friday and we didnt change it over to the new back in time. I plan on making sure all is cleared by next Saturday at BofA and going in to close the account. From what I understand closing the account here in WA state is easy because there is no waiting period or anything like that. Am I correct here? I am waiting to send off the letters until the account is closed, just in case they try to push something through early.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Did anyone win last months - or was there too little activity for it to count?nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have multiple payday loans. I live in Ohio and two are with Checkngo. One is an installment loan and the other is a pay day loan. The installment is for $2500 but with fees etc. they say the total amount I owe is $5000! I cancelled the ACH payments today. They were very nice about it. The second loan is for $450. I am hoping to pay most of that off. The other company I have loans with is PaydayOne. One loan was originally for $800 and so far I have paid that plus some but I still owe $400. Another loan with the same company is $900. I have paid $200 to that but still owe the $900 according to them. My question is has anyone dealt with PaydayOne and will they work with you? And what happens now that I cancelled the payments to Checkngo? I want to pay these off because I did stupidly take the money but they are bleeding me!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I closed my checking account and yesterday was the first day my pdls were returned.nbsp; They were all notified by email I closed my account.nbsp; I used the templates on this site to make sure my bases were covered.nbsp; I have had a few acknowledgements of my email.nbsp; However, Cash Direct Express has already stated they consider the account as satisfied and do not expect further payment.nbsp; Has anyone ever had any success in getting a refund from Cash Direct Express?nbsp; I have paid appx. $2800 more than I borrowed.nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hey i have a question loan with cash call originated with western sky. i have gone through the thousand phone calls spoke with someone twice in oct. when i defaulted and told them i would not being making any more payments. loan was 1500.00 but 500.00 fee so i got a 1000.00. i have paid back over 1800.00. now i am getting emails and letters with all kind of modifications or payment off amount of 1000.00. i just ignore phone calls. am i doing wrong ignoring them or should i respond back. this is the only one of 6 to settle. i got a paid in full on the rest. these guys are tough. any advice would be appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im getting several automated phone calls from Enhanced Recovery Co. LLC about a debt. The problem is they are looking for Doug Clark and he does not live here nor am I familiar with a Doug Clark. Some of the calls leave a message others hang up immediately. I answered a few times and either no human was on thenbsp;line or as soon as I pick up and started talking they would hang up. This is very annoying, can I stop this unwanted harrassment? I am not now nor have I evernbsp;beennbsp;Doug Clark..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have any contact information for this company? nbsp;By the way...I have tried several times to register with the forum with no luck. Any advice?divThanks!/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just wanted to post a quick update. It has been 4 months since I started the process. I still owed about $200 to one lender, but they would never provide me with payment information. I had 9 pay day loans in total and a loan with Western Sky.brbrnbsp;So far, other then phone calls at work and on my cell, which I never, ever answer, things are good. I did receive a few paid in fulls, but no refunds. I am incredibly happy that I found this site and started the process!brbrSo far, no police have arrested me at work, no lawsuits have been filed, and most importantly, I have not descended into the pits of hell as threatened. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 payday loans currently. One is with Nationwide Cash for $500, one is 500 Fast Cash for $300 and one is United Cash Loans for $300. I am having a very difficult handling all of the fees. Can you give me some advice?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 payday loans currently. One is with Nationwide Cash for $500, one is 500 Fast Cash for $300 and one is United Cash Loans for $300. I am having a very difficult handling all of the fees. Can you give me some advice?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a CC charge off my account I havent paid on it in 6 months due to the amount they wanted was more than i could pay and they would not accept the amount i was going to pay them ( much lower than what they wanted) should i see what they want as payment now or just let it go ?nbsp;nbsp; Any advice would be helpful http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is there a balance limit in California on a frozen account similar to Exempt Income Protection Act in New York?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hello i got a call from 516-453-2077 a bunch of times on my cell before they left a message. nbsp;it was a guy telling me he needs me to call 888 408 3666 he was scary sounding and told me i had charges against me and he needs me address...anyways im scared bc i closed down my bank accounts due to PDLs and knew some companies were going to be difficult....has anyone ever heard from these #s before? nbsp;is this a scam?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im currently settling my debt on my own I have done 8 accounts alreadynbsp;divMost at 30 - 40% nbsp;dealsnbsp;/divdivI have one that wasnbsp;/divdivWritten off Im so unclear what that meansnbsp;/divdivbr/divdivDoes a written off debt mean they will absoluty come after your paycheck ?/divdivThey rep I spoke with seemed very free with info or mabey not happy/divdivWorking there he said once its written off this company almost never Pursuesnbsp;/divdivbr/divdivNow if its written off and they do not pursue what happens ? Its just gone ?/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Unfortunately, I have several outstanding payday loans. Is there anything I can do to simply pay the principal balance and avoid the additional fees? I live in Illinois.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in the process of taking my life back from PDLs and so far I have been doing ok. However, today I received a phone call at work from a woman who stated she was from United and was going to have me served with papers. The loans in question are from Huskhawk Group and WTJ Capital. The total due for both loans is $625, and I have already paid almost $300 before I revoked ACH priveledges. I live in NC and now know that these loans are illegal. She stated that my total balance is $925 and I must pay it off in two payments by using my debit or credit card. If not she said they would file papers in civil court and have me served at my job. I am a single parent and need advice!divbr/divdivThanks so much./divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello,brbrMy brother received a mail to my house and we have looked at it - its not a letter from the court but either a pink or yellow slip letter claiming he is being sued by Cach Llc. It now does have the Case # (the original letter didnt) along with wanting him to contact this firm which has a terrible basic website, and I cannot find anything online regarding them. I figure something is shady, but I cannot ignore it if it will affect my brother.brbrThe problem is he is unemployed (has been for quite a while) and does not live with me. How can we look into this? brbrbrThank you in advance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have just received the most disturbing call...my ex husband of all people just called and said that he received a phone call from a debt collection company looking for me. nbsp;Said they talked buvery/u/b fast - so much so that he couldnt understand what they were saying. He gave them my phone numbers (thanks a lot) and I received 2 phone calls from them - cell phone and home phone. nbsp;divbr/divdivThey claim to be IGA Capital, and although the message they left was, again, u style=font-weight: bold;spoken very fast/u, I got the gist of it enough to understand that they were IGA Capital, filing either papers or charges against me in (name of my county of residence) within 48 hours if I didnt call them back to discuss my options. nbsp;/divdivbr/divdivI did some research and it looks like this is some sort of payday lender - and a really bad one, an illegal one, at that. nbsp;From the reports I see, they have a practice of dropping $200 into your account, then pulling $60 out on odd days (not your paydays, because how could they know your paydays if they never talked to you...), and being completely un-reachable by phone or email so you can straighten the mess out.nbsp;/divdivbr/divdivI do not have, nor have I ever had, a loan with this company. nbsp;I have, however, had payday loans in the past with other companies, all of which have been paid off. nbsp;I havent had a payday loan open in well over a year. nbsp;Pretty sure I would notice an extra $200 nbsp;(apparently their standard amount) in my bank account, and that hasnt happened either - so Im a little dumbfounded that theyre calling me - let alone the fact that they called my ex husband. nbsp;/divdivbr/divdivCan anyone offer any thoughts on this? nbsp;Now I have to try and explain all this to my ex, and his wife, who hates me to begin with. nbsp;This doesnt help. nbsp;To my knowledge, FDCPA prohibits calls to family/friends to collect a debt - especially if they call and specifically say we are trying to reach (name here) to collect a debt and we are filing charges in her county in 48 hours. nbsp;And in the messages they left me, they didnt use the standard statement required by FDCPA - this is an attempt to collect a debt.... nbsp;/divdivbr/divdiv*amp;amp;^$%%amp;^^ scum sucking bottom feeders, anyway. nbsp;:-(nbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone heard of ACS,LLC?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone heard of ACS,LLC?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I nbsp;have three payday loans:divbr/divdivPlain Green: nbsp;$1,000/divdivnbsp; Owe: nbsp;$982/divdivnbsp; Paid: nbsp;5 payments of $127.50/divdivbr/divdivMagnum: nbsp;$1,000/divdivnbsp; Owe: nbsp;$1,479/divdivI have continued to renew these loans and have a spreadsheet (at home unforutnately) where I figured out what Ive paid in interest since July. nbsp;If my numbers are correct (will post later) then I think I only actually owe them about $30. nbsp;I am in MD and pretty sure they are illegal./divdivbr/divdivCashnetusa: nbsp;(various)/divdivnbsp; Owe: nbsp;$800/divdivI did some research on the state of MDs licensing site and they do appear to be legal. nbsp;Im wondering what my options are for getting some kind of payment arrangements on this one in a way that doesnt totally kill me financially./divdivbr/divdivI know the big recommendation Ive seen on this site is to close your account, but I was wondering how the timing of that should work? nbsp;Do you close the account before you send them the order to stop debiting or after? nbsp;It seems to me that before would be the safest route. nbsp;I receive my sons social security money tomorrow so I cant close my account before Friday. nbsp;Im hoping I can actually get another account because I do have some recent overdraft fees; however, they are all paid and my account has never gone more than a day without being in good standing./divdivbr/divdivAny advice or recommendations would be great./divdivbr/divdivThanks./divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ With the new platform - so glad to see our signature lines back - Thank you for getting that issuenbsp;resolved. Can we still edit them and if so how?nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi KarenbrbrbrThis is to let you know that we have cleared your payment request. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi...This is Shirley Bedford...I am a member of the community and was actually the first person to get on the wall of fame wall!! I havent participated in a while but am wanting to get involved in the community again. I just dont know my username or password that I used at the time. (2005) I know I went by, Imkimssister. Was hoping I could get in touch with the right person that might be able to help me sign back in. I want to be under the same account that I was before. thanks if anyone can help. =) Shirleyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI need some help with online payday loans in Louisiana.nbsp; I have closed my bank account so some of my loans are pass due so I need some advice with that.nbsp; I have the following payday loansnbsp;nbsp;all online with the following balances./ppCheckintoCash (300) balance/ppSpeedy Cash (560) balance/ppDollarFlash Borrowed 200.00 in July and have been paying 170.00 a month since July./ppThree B Borrowed 300.00 and paid 120.00 so far./ppI guess my first question should be are these loans legal loans in Louisiana, and then my next question is how do I go about making payment.nbsp; Checkintocash normally takes the 300 balance in full.nbsp; Also, Im a teacher so I get paid once a month.nbsp; Please advise me what I should do./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ how does a bankruptcy trustee find out if you cash a check sent to you by mail from a loan company while in a chapter 13?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pIm in the middle of the hell, but I am adamant about getting out of it./ppI have loans with legal lenders like:/ppDollar Loan Center/ppMoney Tree/ppCheck City/ppCashNet USA/ppI have loans with illegal lenders:/ppFast Efunds/ppVIP Loan Shop/ppGreat Plains /ppPlain Green/ppI thought I would post this for advice or guidance./ppI have arranged payment plans with the lenders I can, and I have drafted ACH Revokes with the all of them. They will be mailed tomorrow, certified, and emailed./ppMy bank account with Bank of America is overdrawn, and they wont let me close it until its in a positive or 0 balance. I will be able to fix that Friday.I have stopped payments on the pending ACH transactions, but I am not sure if those will go through. Two of the lenders are taking money out they shouldnt, and I want all of them to stop and have ME get in control of when payments are made. I have every intention on paying back principal to the illegal lenders, and paying whatnbsp;I owe to legal lenders. I just want it on my time frame and to have a better control of payments. I have let this spiral out of control./ppI read a few news articles that say Bank of America changed its policy in August about not re-opening a closed account if a new ACH deposit tries to post. I am wondering if anyone has had problems with this since. Bank of America is not helpful at all with this, and its causing major overdrafts. I have talked to them three times and they wont help me. /ppThanks for any advice/help you can offer./ppnbsp;/ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Do you work with CT brhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is there someplace I can find documentation that tribal lenders cant enforce their tribal laws on us unless we are on their reservation. I keep finding conflicting information about whether or not their contracts are legal and binding. Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ HEY ALLBRBRIS THIS COMPANY LEGIT TO COLLECT ON A PDL (NATIONAL CREDIT ADJUSTERS 866-660-1626.nbsp; I LIVE IN NEW YORK AND HAVE PAID THE PDL COMPANIES FAR MORE THAN I SHOULD HAVE....CAN THEY SEND ME TO COLLECTIONS...AND IS THIS COMPANY LEGAL TO COLLECT IN NY?BRBRTHANKShttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI live in the state of Missouri. With the New Year coming I have decided to get myself out of this mess I am in. I know that getting these loans was my idea but I am in totally over my head and cannot pay my regular bills. I am going to close my main checking account January 2 but I need to know which companies are legal and which are illegal.I know that I should revolk the ACH but how do I set up payment arrangements to pay the ones that are legal and pay the principal to the ones that are illegal? /ppCan this be done simply thru e mail or should I contact them directly and make arrangements? /ppAMERICA WEB LOANnbsp;nbsp; 600nbsp;nbsp;nbsp; 180 X 2nbsp;nbsp; paid 180/ppCASHNET USA/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey BRBRI got 2 emails from 2 different PDL companies stating they sent my account to collections (i sent them the letters that my account is blocked).nbsp; can they do this if PDLs are illegal in New York (where i live)?nbsp; the companies arenbsp;National Groupnbsp;LLC and the other is Horizon Opportunities.nbsp; They said they sent my accounts to National Credit Adjusters 866-660-1626.nbsp; Are the legit? how can you tell if a collection agency is legit.nbsp; FYI: ive paid way more on these loans with finance fees....i took out $250 with each company and have paid almost 600 to both....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ brbrbrdiv align=centerbWishing you allnbsp; a very Happy New Year../bbr/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHelp...not sure where to begin but I am drowning. I am going to stop ACH and then close account before my next payday./ppNational $600brIntegrity $620brNationwide $600brSure Adv. $ 826brCash Dir Express $625brMyPayDayLoan $750brVIP $450brZip It $500brCash Smart $550/ppI live in Indiana. Please help me if possible. Thank you./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHelp...not sure where to begin but I am drowning. I am going to stop ACH and then close account before my next payday./ppNational $600brIntegrity $620brNationwide $600brSure Adv. $ 826brCash Dir Express $625brMyPayDayLoan $750brVIP $450brZip It $500brCash Smart $550/ppI live in Indiana. Please help me if possible. Thank you./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have about four online loans I need help to consolidating can you help me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is there any where that we can can help with dealing with these payday lenders. I read all the comments about the illegal ones but what about the ones that are legal. Is there any type of service that can help with these.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been caught in the stupid cycle of payday loans. How exactly can i get a reasonable payment plan with these companies? advancemetoday, everest cash advance. any help would be appreciatedhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have defaulted on a very small Sallie Mae loan. About 3k many many years ago. I now want to get another loan to go to a different school. If I pay off the three grand will I be eligible for another student loan or would it be a waste of my money?nbsp;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hi there i know i own the debt but are they aloud call your family? Leave there name and number and said who they are? My mom has telled them number of time i no longer live there damb ones send me there statement to my house so are they allowed call my mom number of times when they know i do not live there?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Like so many others my husband and I have made stupid financial choices. He is unemployed, I am working but can barely cover bills. I need to stop the payday loan cycles. How do I do it?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello All,divbr/divdivI have started the PDL recovery process. I sent emails to all the PDL lenders I have. nbsp;I have debit locked my checking account (citibank) and opened a new one. I will be emailing the letters i sent out to HR in the morning and then buckle down and get ready for battle.nbsp;/divdivbr/divdivI want to use this thread to share my experience through all the steps and any responses I get. Thus far while time consuming it has been relatively painless. I wasnt even asked any questions when I asked for the debit lock, I quickly explained that I was advised by legalnbsp;counsel and that was all they needed.nbsp;nbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a call from a collection agency, for a credit card bill that my ex boyfriend claimed in his bankrupsy in 2004. We had joint account on this card. But the debt is over 8 years old. I send them a fax informing them that I received a call regarding a debt with the file number my rep gave me. and that I do not recognize the said debt. at which time their agent rudely and bluntly refused and threaten me with legal action. Furthermore I informed them in the fax that their refusal to provide verification is in direct violation of Federal Debt Collection Act (FDCA) and the Florida Statutes.BRBRIn addition I added that I was requesting that their office cease and desist all calls and only communicate with me by US mail. Then I added that Ifnbsp; said debt is not verified and all proper information concerning the debt such as payment history, origination and other key information include but not limited to any and all signed contracts associated with the saidnbsp;debt is not provided, legal actions will be taken against the collection company fornbsp;violation of state and federal collection laws and provisions.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Great Plains is one of loans I am trying to reach an agreement with.nbsp; Has anyone had any luck with them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 9 loans out and cant afford to pay them anymore. Im not sure what to do. I am getting my self sick over this. I live in Ohio.brbrI have 3 storefrontsbrCheck into Cash - $600brChecksmart - $1150brAdvance America - $800brbrI have 1 installment withbrCheck n Go - $2300brbrI have 5 onlinebrPayday One - $1100brCashNet USA - $1500brPlain Green Loans - $900brGreat Plains Lending - $1000brGalaxy Funding - $500brbrMy entire paycheck goes to paying the bi-weekly payments of the installment and online loans and I keep borrowing from the 3 storefronts to pay each one off.nbsp; I desperately need help and not sure where to turn.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ PHI ALL!BRBRI got a call at my office that Lakota Cash is looking to talk to my boss regarding employment verification....if PDLS are illegal in NY - how can they call my job about garnishments/verifications?...im freaking out a bit!BRBRplease advise.BRBRBRBRIm registered with the forum - its under jelac but im on a computer at work and didnt want it to save my sign on info./Phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a payday loan company present a post dated check to my bank and it bounced. They are now telling me that they are going to charge me with check fraud. Can they do this in WA State?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a title loan for $600 on a 98 Escort 134000 mi on it I paid a payment of $200 on the first payment. The second payment is now due. I called the title loan company and asked jow i go about just dropping off the vehicle? The lady replied just come in and sign ov the vehicle. The next day i received a phone call saying that wasnt good enough and i would owe still on the balance that is left over balance after it was auctioned. Is that legal? Is their anything i can do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a loan through Western Sky which is being serviced through Cash Call. I sent them a letter explaining that the loan is illegal in Virginia and that the original amount of the loan was for 1000 and have paid 6 payments of 198.19 which pays back the orginial amount and that they owe me a refund of 189. They have not responded to my emails. I have sent a letter withdrawing my consent for ACH withdrawals and a cease and desist notice. They continually call my cell and work number sometime 2 times an hour. They must have research and found a phone number of a family member and have started calling that number as well. I spoke with them by phone and reminded them of the letter I sent stating the onlynbsp; contact I will accept from them is by email. Told her the loan was through Western Sky ans she stated that Cash Call bought the loan. I stated that was incorrect and they were only servicing the loan. At that point I hung up the phone. What is my next recourse with these people. I can turn off my cell phone to ignore the calls but cant with the home phone or work phone. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in Georgia and have 3 loans. I was OK until I lost some of my income and now nobody will work with me and lower my payments. My loans, amount deposited and amount paid so far are:brPlain Green Loans - $2600.00 -pd $786.60 brGreat Plains Lending - $900.00 - pd $377.76brCash Call - $2600.00 - pd $2100.22brbrCan you please give me some advice? Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI apologize if this is a duplicate, but I keep getting marked as spam./ppI have been able to stop the withdrawals and the calls, but just received this in an email: emfont face=Calibrinbsp;/fontfont face=CalibriThis letter is to inform you that your loan will be charged off December 31, 2012 and assigned or sold to a 3rd party unless acceptable arrangements are made to resolve the past due balance of $1,646.30.span style=mso-spacerun: yes;nbsp; /spanPlease allow CashCall the opportunity to assist you before it is too late./fontfont face=CalibriYour immediate attention to this matter is required./font/em/ppfont face=CalibristrongI responded with:/strong emPlease be advised that I have filed a complaint with the FTC and the Ohio Attorney General concerning this matter and your violation of the FCRA in reporting me to the credit bureaus.span style=mso-spacerun: yes;nbsp; /spanThe loan was originated with Western Sky which is an illegal lender.span style=mso-spacerun: yes;nbsp; /spanUnder the provisions of the law I am only required to pay back the principal of $2525.00 which has been done/em./font/ppfont face=CalibriLooking for advice on how far WS/CC will take this.nbsp; Also, Experian refused to remove from my credit report.nbsp; Please help as I am very concerned about this matter./ppfont face=Times New Roman /font/pp style=margin: 0in 0in 0pt; class=MsoPlainText?xml:namespace prefix = o ns = urn:schemas-microsoft-com:office:office /o:pnbsp;/o:p/pp/fontfont face=Times New Roman /font/ppemfont face=Calibri/font/emnbsp;/pp /phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been able to stop the the withdrawals and the calls by using advice found here, but now I have received an email from them stating the following: p style=margin: 0in 0in 0pt; class=MsoPlainTextemfont face=CalibristrongPast due amount $1,646.30 /strong/fontfont face=CalibriThis letter is to inform you that your loan will be charged off December 31, 2012 and assigned or sold to a 3rd party unless acceptable arrangements are made to resolve the past due balance.span style=mso-spacerun: yes;nbsp; /spanPlease allow CashCall the opportunity to assist you before it is too late./fontfont face=CalibriYour immediate attention to this matter is required./font/em/pp style=margin: 0in 0in 0pt; class=MsoPlainTextfont face=CalibristrongI responded with:/strongfont face=Times New Roman /font/font/pp style=margin: 0in 0in 0pt; class=MsoPlainTextfont face=CalibriemPlease be advised that I have filed a complaint with the FTC and the Ohio Attorney General concerning this matter and your violation of the FCRA in reporting me to the credit bureaus.span style=mso-spacerun: yes;nbsp; /spanThe loan was originated with Western Sky which is an illegal lender.span style=mso-spacerun: yes;nbsp; /spanUnder the provisions of the law I am only required to pay back the principal of $2525.00 which has been done/em./font/pp style=margin: 0in 0in 0pt; class=MsoPlainTextfont face=Calibrinbsp;/font/pp style=margin: 0in 0in 0pt; class=MsoPlainText!--?xml:namespace prefix = o ns = urn:schemas-microsoft-com:office:office /--font face=Calibrio:pHas anyone on here, gotten this far with them?nbsp; And if so did they turn it over to a collection agency?nbsp; /o:p/font/pp style=margin: 0in 0in 0pt; class=MsoPlainTextfont face=Times New Roman o:p/o:p/font/p http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 pdls which have gone to collections. They threatning with warrants and law suits. Can I go to jail for this?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 payday loans. I cant pay them off. One payday loan is illegal. What should I do with the illegal payday loan? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive tried posting a new thread in the pdl forum 3 times now and it never shows up. Trying a short post here to see if this works. Frustrating because I have learned a lot over the past week from here and would like to share what I have accomplished so far.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI took advice I saw on this forum and closed my bank account (reopened same bank but they assured me that PDL#39;s would not be able to touch it) Then I sent emails to Castle Payday, Bottom Dollar, My Payday Advance, Great Plains Lending, tried sending one to Netpdl but was not able to find a email. I explained that after research I found out they were illeagal in my state of Illinois and I revoked my ACH and any wage garnishment and not to call and harass me at work./ppI#39;ve received emails back from Bottom Dollar, My Payday Advance and Castle asking me to call them and work out a payment arrangment. That they abide by tribal law./ppSo??? any suggestions on what I do now/ppThank You very much/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ phow do i see my t mobile bill that has been sent to collections? and go about taking care of it ?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is golden valley lending licensed in California? (Payday loan lending)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have two lenders removing money from my bank account every two weeks. One lender (FedFinSvcs) lent me 600 and they take $360 a month./ppHamilib lent me $675 and they take $420 every month and essentially, I can#39;t get a hold of either one to pay off my loan in full./ppIs this legal what they do? I know it#39;s my own fault for the desperation in my life at that time but I needed the money at the time./ppCan someone direct me on how I should go about doing this? I want to close out my bank account but then my already shattered credit will suffer. I want to pay these people off but there isn#39;t an email from them warning me of the deductions to which I#39;ve been subjected to since October./ppnbsp;/ppAnyone?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was recently garnished from my checking account and they emptied it. I have been in the process of filing for bankruptcy and was wondering if this will make it stophttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi, I have been lurking for about a week now. I started getting into the payday loan cycle in September and by early December I was in way over my head. My loans are listed below.nbsp;/ppnbsp;/ptable border=0 cellpadding=0 cellspacing=0 style=width:400px; width=400colgroupcol /col /col //colgrouptbodytr height=40td height=40 style=height:40px;width:208px;Name/tdtd style=width:89px;Loan Amount/tdtd style=width:103px;Total Payments/td/trtr height=20td height=20 style=height:20px;OPD/ 8887220981/tdtd align=right300/tdtd align=right540/td/trtr height=20td height=20 style=height:20px;HYDRA FUND II/8883025332/tdtd align=right300/tdtd align=right540/td/trtr height=20td height=20 style=height:20px;CASH JAR/8665682209/tdtd align=right750/tdtd align=right900/td/trtr height=20td height=20 style=height:20px;USFastCash/CREDIT/tdtd align=right400/tdtd align=right360/td/trtr height=20td height=20 style=height:20px;LiquidCash_LLC/8773650633/tdtd align=right500/tdtd align=right246/td/trtr height=20td height=20 style=height:20px;UnitedCashLoans/CREDIT/tdtd align=right400/tdtd align=right360/td/trtr height=20td height=20 style=height:20px;MassStreetGroup/8777814330/tdtd align=right300/tdtd align=right90/td/trtr height=20td height=20 style=height:20px;SCS PROCESSING LLC/tdtd align=right480/tdtd align=right0/td/trtr height=20td height=20 style=height:20px;PayDayMax Ltd./Loan/tdtd align=right800/tdtd align=right0/td/trtr height=20td height=20 style=height:20px;FIRESIDE CASH/8886715807/tdtd align=right500/tdtd align=right150/td/trtr height=20td height=20 style=height:20px;SOVEREIGN ADVANC/FUNDING/tdtd align=right400/tdtd align=right0/td/trtr height=69td height=69 style=height:69px;width:208px;AALM8005579038/Loansbr /AALM Consulting Services, Ltd. - INFO (8 00) 557-9038 Multi Loan Source/tdtd align=right500/tdtd align=rightp0/ppnbsp;/p/td/tr/tbody/tablepAbout 2 weeks ago my wife and I stopped our direct deposits into our checking account and after researching here I sent ach letters and talked to my bank on monday. They put ACH blocks on each company, the charge was $30 per company although they did wave a few. I cannot close the account yet since it is negative, I am hoping to have that cleared before they close it and report to Chexsystems. I have since opened a new account at another bank.nbsp;/ppMonday I also sent ACH revocation letters to each PDL company. So far I have heard back from a few of them. One thing to note is that I spoke to Mark at the State of Maine Bureau of Consumer Credit Protection and he confirmed that these lenders were not licensed in maine. I asked about being legally obligated to pay and he said according to Maine law the principle only (less any money aready paid in interest or fees) is required to be repaid within 1 year. One other thing he mentioned was they had to accept a money order and provide a mailing address if that was the way I wanted to pay.nbsp;/ppI will provide updates to this as I hear from each PDL company.nbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pDoes the interest from past illegal PDL loans count towards the pricipal of current loans?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am caught in the cycle owing numerous PDLs and have been trying to pay them off. In some cases I pay off current loans in full only to have to re-borrow to pay basic bills. I am stuck in an endless cycle of paying interest rates which are outrageous. I live in NYS and now realize that these loans are illegal and that I owe the principal on each and not the excessive interest. The question I have is that I have two PDLs which I repaid and took out numerous loans, can and should I ask for a refund of interest payments on the past loans? If there is a current outstanding principal balance, does my excessive interest payments on past loans cover that amount?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ phELLO ALL,/ppI LIVE IN NEW YORK.nbsp; JUST 1 QUESTION - I KNOW PDL#39;S ARE ILLEGAL IN NEW YORK BUT LETS SAY THE COMPANY I BORROWED FROM IS IN A STATE WHERE IT IS LEGAL...CAN THAT COMPANY SUE ME IN THEIR STATE - NOT NY?/ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp;/pdivHello Everyone,nbsp;/divdivnbsp;/divdivI am caught in the cycle owing numerous PDLs and am trying to pay them off. In some cases I pay off current loans in full only to have to re-borrow to pay basic bills. I am stuck in an endless cycle of paying interest rates which are outragous. I live in NYS and now realize that these loans are illegal and that I owe the principal on each and not the excessive interest. Yes, I know how stupid it is, but it is a slippery slope and once you get into the trap the only way it seems to get out, or just to even survive, is to keep paying and borrowing to just meet normal needs of life (rent, food).nbsp;/divdivnbsp;/divdivThe question I have is this. With two lenders which I repaid and took out numerous loans, can and should I ask for a refund of those interest payments on the past loans? If there is an outstanding balance does my pass excessive interest payments cover that amount?/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp;/pdivHello Everyone,nbsp;/divdivnbsp;/divdivI am caught in the cycle owing numerous PDLs and am trying to pay them off. In some cases I pay off current loans in full only to have to re-borrow to pay basic bills. I am stuck in an endless cycle of paying interest rates which are outragous. I live in NYS and now realize that these loans are illegal and that I owe the principal on each and not the excessive interest. Yes, I know how stupid it is, but it is a slippery slope and once you get into the trap the only way it seems to get out, or just to even survive, is to keep paying and borrowing to just meet normal needs of life (rent, food).nbsp;/divdivnbsp;/divdivThe question I have is this. With two lenders which I repaid and took out numerous loans, can and should I ask for a refund of those interest payments on the past loans? If there is an outstanding balance does my pass excessive interest payments cover that amount? Here is an example:/divdivnbsp;/divdivPeppercash/divdivnbsp;/divdivPast loans - 7-2011 to 2-2012 (5 total loans)/divdivTotal Amount Borrowed - $3600nbsp;/divdivTotal Repaid - $5733.75/divdivnbsp;/divdivLastest Repaid - 2-2012 to 12-2012/divdivOrig Amount Borowed - $1000/divdivTotal Repaid - $4737.50/divdivnbsp;/divdivCurrent -nbsp;/divdivOrig Amount Borrowed - $1500/divdivRepaid - $0/divdivnbsp;/divdivnbsp;/divdivIn this example I want to request a refund for the interest. But more than likely they won#39;t return it. But should I pay the principal of the current or cover it with the owed amount from the interest from the latest loan just paid off (and perhaps the loans prior to that also?).nbsp;Any info is appreciated./divdivnbsp;/divdivThanks/divdivnbsp;/divhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI just sent my emails to Plain Green Loans amp; tonbsp;Cash Direct Express. I am anxiously awaiting the responses. I will keep you posted and I will post the responses if I am unsure of how to respond and need further help. I feel like anbsp;huge weightnbsp;has been lifted off of my shoulders I am just hoping thisnbsp;works for us! I love this forum!!!!!!!!nbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have really got myself into a mess and need help. I havenbsp;4 payday loans out and do not have the funds to pay them. I live in Missouri./ppnbsp;/ppCashnet USAnbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowednbsp; 900nbsp; have 2 payments left 153 and 72/ppNetcreditnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowed 1100nbsp;nbsp; paid 0nbsp;nbsp; ( payment is 173 )/ppAMWEBnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowed 300nbsp;nbsp;nbsp;nbsp; paid 0nbsp;nbsp;nbsp;nbsp; interest only payment of 180/ppAmerilonenbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;borrowed 500nbsp;nbsp;nbsp;nbsp;nbsp; paid 0nbsp;nbsp;nbsp;nbsp; payment 81/ppAll of these payments are twice a month and I just dont have the money to pay them right now.nbsp; I know that I need to pay them back but would like to set up a affordable payment plan with them. I plan on paying cashnet off since they only have 2 payments left. But the other ones I just cant do./ppWhat are my options. Can I stop the ACH#39;s that were set up and make payment arrangements and if so how do i do it. I have to get this done by Dec 31st.nbsp;/ppPlease helpnbsp; Thanks you/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI am sitting here at 4 AM in the morning unable to sleep because of the stupid mistakes I have made.nbsp; I needed money and nownbsp; im caught up in the payday loan nightmare./ppI live in Missouri and have the following loans:/ppCashnet USAnbsp;nbsp; borrowed 900 have 2 more payments ( 153 and 73 )/ppAmeriloannbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowed 500nbsp;nbsp;nbsp; paid 0nbsp;nbsp; $81 payment twice a month/ppNet Cashnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowednbsp; 1100nbsp;nbsp; paid 0nbsp;nbsp; $153.00 twice a month./ppAM Webnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; borrowednbsp;300nbsp;nbsp;nbsp;nbsp;nbsp; paidnbsp;nbsp;nbsp;0nbsp;nbsp; 180nbsp; interest twice a month/ppSpeedtcashnbsp;nbsp;nbsp;nbsp; borrowed 300nbsp;nbsp;nbsp;nbsp;nbsp; paidnbsp; 0nbsp;nbsp;nbsp; 63 to deffer/ppThese are all due for payment on thenbsp;31st.nbsp; I can manage to pay Cashnet until its paid off but not the other ones.nbsp; I need to pay my house payment and car note. Is there any way that I can stop the auto payments on the other 3 and then contact the companies to make payment arrangements?nbsp;/ppPlease help me figure out how to get out of this mess.nbsp; I need to get rid of these loans and get myself back on the right track./ppAudrey/ppnbsp;/ppnbsp;/ppnbsp;/ppnbsp;/ppnbsp;/ppnbsp;/ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Are Brighton financial and sovereign advance cso in Maryland http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;Hello, I just found out that my father had a judgment filed against him for his credit card debt with CitiBank and Discover.nbsp; He has some kind of a meeting with one of the lawyers who was suing him on January 8supth/supnbsp;and I am trying to figure out what can be done to help him out.nbsp; I will try to provide whatever details I can and would greatly appreciate any advice.nbsp;/ppnbsp;/ppnbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;First, the background story is that my father had to stop working a few years back due to his health.nbsp; He has worked very hard his whole life and the doctor told him that if he continued to do his job that it would completely destroy his body.nbsp; He had worked in the lumber industry for over 30 years and didnrsquo;t have any other experience that could net him a less physically demanding job.nbsp; The lumber industry did a lot of damage to him and as a result standing or sitting in one position for long periods of time causes him to hurt which, unfortunately, rules out a lot of job prospects for him.nbsp; My mother works hard as well in an office and with a substantial amount of overtime is able to keep them just above water.nbsp; Once my father lost his job he had no income what-so-ever and made some poor decisions regarding his credit card usage.nbsp; Basically, he ran up approximately $20,000 in debt between CitiBank and Discover cards over the course of roughly 2 years.nbsp; Prior to this he always had some credit card debt but made his monthly payments on time.nbsp; Having no income, he was unable to make the payments and basically ignored any communication from the creditors.nbsp; From what I have gathered today, it sounds as though he was notified that they were suing him months ago and he didnrsquo;t show up in court for it.nbsp; He attempted to file bankruptcy, but backed out of that process as there were apparently consequences which he did not expect.nbsp; The lawyer who drafted the bankruptcy paperwork charged my parents $2,000 which has only made the situation harder for them.nbsp; Today, my father told me about the meeting on the 8supth/supnbsp;and some of the back story.nbsp;/ppnbsp;/ppnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Normally I would be taking the time and doing a substantial amount of research into the matter, but as the meeting is coming up soon, I could really use some help from the knowledgeable people here.nbsp; From what I am reading so far, it sounds as though others have been able to settle with creditors and pay 30-40% of what they owed.nbsp; My father understands that he shouldnrsquo;t have spent the money and needs to find a way to pay them back, but he doesnrsquo;t have any way to do so.nbsp; Ideally, we would like to reach a similar settlement as others have on this forum.nbsp; I recently graduated from college and was offered a job, but it is a government job and requires a very lengthy investigation which could take a couple more months to complete.nbsp; Once I begin working I will have funds available to help my family pay off this debt if it can be negotiated to a reasonable amount.nbsp; I will continue to search the internet for information that is available, but I have no background in this sort of thing and I am trying to get caught up quickly.nbsp;/ppnbsp;/ppnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Sorry about the long, and potentially rambling, post, however, I am very concerned with this situation and donrsquo;t want it to hurt my family too badly.nbsp; I will try to summarize my points below for anyone who doesnrsquo;t want to read through the paragraphs above./pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; My father worked hard for a long time and is now physically unable to/pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; With no income he began making purchase (not all out of necessity) on credit cards with no way to pay them back.nbsp;/pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Total debt incurred is approximately $20,000/pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Ignored communication from the creditors until he was recently told they had filed a judgment against him which he needed to meet with a creditor lawyer about on January 8supth/sup/pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; I (his son) am trying to figure out what I can do next to help resolve this situation.nbsp; Ideally, we would be able to settle for 30 ndash; 40% of the debt/pp-nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; I will be able to help make payments in a few months once my job comes through/ppnbsp;/ppIrsquo;m sure there is more important information which I have excluded, so please, let me know if I can provide additional details to get better information this situation./ppnbsp;/ppThank you very much for any help in advance./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;/ppnbsp;/ppnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; quot;strongWe wish you all a Merry Christmas/strongquot;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI live in Alabama and had a payday loan with mycashnow and they took the principal amount and then turned my account over to credit protection depot for the an additional amount they say is still owed. I at first assumed it was probably interest but the amount is not the amount on the loan documents that I have. According to Alabama law they should have only allowed me to borrow $500 but it was a little more than that they loaned me which I have paid back. CPD have sent me emails asking me to pay via western union and have received a few calls. Do I still owe them this additional money that CPD is asking for?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do I revoke the ACH Wage Assignment with the IPDL companies?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pi received a call from the number 2022662888. I looked under the BBB and could not locate this company. Can you please let me know who this possibly could be?/ppthank you very much/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI received a call from my Employer stating that they received a faxed employmentnbsp;verificationnbsp;from Meyer, Kahn amp; Associates.nbsp; I asked my Employer to fax it to me.nbsp; Meyer, Kahn amp; Associates is requesting my dates of employment, position,salary,next scheduled pay dates and if I am currently being garnished.nbsp; I called the (888)810-9096 and was directed a a voicemail that announced that I had reached the quot;claims departmentquot;.nbsp; I didn#39;t receive a call back so I tried calling in the morning.nbsp; A woman named Tasha answered the same name on the fax cover sheet.nbsp; She stated that there was a problem with their voicemail systemnbsp; She didn#39;t answer the phone with the company name.nbsp; She named the original accounts but didn#39;t give me seperate dollar amounts just a total of $1500 and some change then put me on hold to speak with her advisors.nbsp; She came back and stated that she would could reduce it to $1150 if I paid $150 today and $275 a month until the account is paid off.nbsp; I#39;ve had scam calls before but never had a company fax an employment verification to my job.nbsp; Is this a legitimate company and can the company still be a scam although they have access and would fax my Employer?nbsp; Please advise./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi Lisabr /br /Since attachment is not working presently we would request you to check your mail for QOM contest amount snapshot./ppnbsp;/ppCongratulations again for winningNovember12nbsp; QOM contest./ppnbsp;/ppnbsp;/ppnbsp;/ppbr /br /img src=../../../../forums/attachment.php?attachmentid=1822amp;stc=1amp;d=1351763438 //phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im over my second year in my chapter 13 but Im behind 10 payments in mortgage. What are my options? Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have a payday loan with Lakota Cash and I have tried to settle with them. nbsp;I was told that this company is an illegal payday company in Florida. nbsp;Therefore, I have tried to settle with them on the principal balance minus the fees I have paid. nbsp;They are not threatening to get a court order./ppnbsp;/ppCan you tell me if they are legal in Florida. nbsp;If not, I will then report them. nbsp;Can they garnish my wages?/ppnbsp;/ppMarcie/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ p style type=text/css p { margin-bottom: 0.08in; }/style /pp style=margin-bottom: 0in;Hi I am Wendy from New York and I am newbie here. I have a situation here. I have a debt with a bank that now went into default and is now with the collection agency. They told me it is continuously gaining interest. Is this possible? All replies would be appreciated./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pPLEASE HELP ME!!!/ppI have been trying to contact Dollarflash.com for over a week now about paying off my loan completely and have been unable to make contact.nbsp; I have also faxed and emailed and nothing. According to their website, they are supposed to take full amount due unless notified otherwise and they have already debited my checking account once for interest only, which I didn#39;t request.nbsp; To be honest, I don#39;t believe I ever authorized the loan in the first place.nbsp; What would you recommend I do in order to get this loan paid off and getnbsp;them out of my life?nbsp; I reside in Florida. I am willing and able to pay off the loan in full, I just can#39;t get a hold of anyone.nbsp; If they debit my account again tomorrow (payday) for interest only, I am going to freaking lose it!/ppAny advice would be great appreciated.nbsp; I can be reached at EMAIL REMOVED PER TOS/ppAllen/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If anyone could give me some advice that would be great. I had a credit card with a balance around 14,000. I was making payments to the original creditor up until atleast over a year ago. I had stopped due to a divorce and financial set back. The account was charged off and I finally heard from a collection agency today. My questions are: 1) can I make them not call me at work and at home only? 2) even though I owe the debt can I still make them send me a validation letter before I agree to payments? 3) how do I find out the SOL on the debt? 4) they did offer to cut the balance to 50% but wanted atleast $500 by 12/31, which I cant due. I get paid bi weekly and have to pay rent and daycare this week. They also offered 6 monthly payments of around $1000 and then they would close the debt out as pif. Im trying to get them to let me make the $500 payment with my following paycheck on 1/3/13. Any suggestions on what Ican do jere???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp; I HAD A LOAN THROUGH HYDRA FUND, WHICH I TRIED TO STOP, BUT THE FUNDS WENT THROUGH, AND THEY CONTACTED ME AND SAID THEY TRIED TO REVERSE IT BUT MY BANK SAID IT WAS AN INVALID ACCOUNT NUMBER, SO THE FUNDS WENT THROUGH.nbsp; WHEN I CALLED HYDRA FUND III BACK THEY SAID MY LOAN HAD BEEN TURNED OVER TO COLLECTIONS, AND THEY GAVE ME CUTOMERCARE@ZARDAM.COM TO CONTACT, BUT I SEE NOnbsp; INFORMATION FOR THIS ANYWHERE AND I BELIEVE THEY HAVE TAKEN A COURT CLAIM AGAINST ME AND I WANT TO PAY DOWN THE LOAN BUT DONT KNOW WHO TO CONTACT./ppnbsp;/ppTHANK YOU,/ppROBERT EDWARDS/ppEMAIL REMOVED PER TOS/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI was just wondering if anyone on here that has over paid and requested a refund from a PDL has actually gotten it? We have paid way more than what we borrowed from PepperCash and I sent them an email revoking ACH and requested a refund.nbsp; Has anyone ever had any luck with that??/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pDoes anyone have any experience with PepperCash? My husband took out a pdl with them about 9 months ago and until I closed my account they were still debiting it every two weeks. I know we have paid WAAAAY over what we borrowed. (600)nbsp; I sent them an email revoking ach authorization and requesting a repayment for the overage.nbsp; I haven#39;t heard anything from them.nbsp; Do you think they#39;ll pay the overage back?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help getting rid of this payday loan. These people call me numerous times a day n I just dont have the extra money to pay them n they keep harressing me. I have tried to get them to let me pay it off in payments and they say they cant do that they will just take it out of my checking acct. But I dont leave money in there for them to take it so please help. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pUpdate on my PDL#39;s:/ppFirst America Credit (Illegal in TX)- agreed to let me just pay the remaining principal. (no more interest).nbsp; I am paying them via money order, $76 each biweekly paycheck for 10 paydates.nbsp;/ppPlain Green (Illegal in TX)nbsp;- agreed to let me just pay the remaining pricipal.nbsp; (no more interest).nbsp; I am paying them via money order, $102.92 once a month for 10 months.nbsp;/ppResponsible Loan (Legal in TX)nbsp;- stopped the interest and lowered my installment payments to $100 fornbsp;the 4 that were over $100, and then we will talk about how to lower the remaining 4 if I can#39;t pay the principal off at that time./ppPayDayOne (Legal in TX) - worked out an EPP with me for my next 5 paydates./ppI had no real issues with any of these 4.nbsp; PayDayOne and Responsible Loan got back with the the next day after receiving my emai.nbsp; Plain Green offered their settlement 2 days later.nbsp; First America Credit tried to say I owed interest, but that they would stop any further interest, but I argued with them, and won.nbsp; :-)/ppNow for the remaining 2 -/ppMyCashNow (Illegal in TX)- I have sent several faxes (their email will not go through), but they have not responded back to me.nbsp; I know they received them, because if I try to log on, it now says quot;We apologize.nbsp; Due to some issues, please contact Silver River Management regarding your accountquot; and gives their number.nbsp; I am not calling Silver River Management.nbsp; The email I tried to send I copied Silver River Management, but the email did not go through to MyCashNow.nbsp; I have not gotten any letters or phone calls from either company.nbsp; I had a payment due on Friday, but it obviously didn#39;t get paid to them.nbsp;/ppThe infamous Western Sky/CashCall (Illegal in TX) - they sent a letter to my house reiterating their quot;tribalquot; law BS, and I have actually overpaid them on the principal by $280.nbsp; I stated in my letter to them that I wanted to work in good faith and that if they would mark my account PIF and send me a letter stating so, I would not demand a refund.nbsp; I reiterated this in my 2nd letter to them after I got the letter at home, and I quoted some facts from the Texas Attorney General and other sites, regarding the illegality of Western Sky, who I took the loan out with, and then they transferred it to CashCall. I have not heard anything back from them in over a week.nbsp; The first payment that will be returned by my bank will be 12/31/12.nbsp; I#39;m sure I#39;ll hear more from them after that.nbsp;/ppWhat should I do about MyCashNow? I offered to pay the principal remaining over my next 5 paydates, and asked for an address to mail the money order to, but as they have not responded, I was not able to send anything.nbsp; They are illegal in TX, but I do want to pay back the principal that I borrowed.nbsp;/ppYes, I have closed my account and opened a new one.nbsp; The 2 legal lenders were given my account information, but the illegal ones were not.nbsp; I will only pay the ones I still owe principal to via money order and Plain Green and Responsible Loan acknowledged my ACH Revocation and stated they had taken my account information out of their system and removed my phone numbers since I said they could only contact me via email or postal mail./ppI would really like some advice on what to do about MyCashNow amp; WS/CC./ppThanks so much for this forum!nbsp; I#39;ve been in this cycle for years, with these same companies, and reading your stories finally gave me the courage to put a stop to my payday loan hell./ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is the phone number http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have tried posting this twice because I have a letter and some information that would be extremely helpful for anyone dealing wtih Western Sky/Cash Call but it keeps getting marked as spam so it is not working./ppThe post is very long but it is very informative so does anyone have any ideas about how I can get it posted?/ppnbsp;/ppThank you!/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ div class=post_messagepnbsp;/ppI live in mississippi: I followed the steps in regards to dealing with illegal payday lenders, after looking at the laws in my state regard payday lenders. Hydra fund sent me a response back stating they are not bound by the laws of the United states, but the laws of new zeland and I need to send asap a new zeland. Should I even Respond to there email? Any advice???/ppAll loans are online payday lenders-Non are licensed in my state, per my state loans rollovers not permitted, each one these engages in rollovers etc.../ppHydra fund 200-paid 420 already-sent letter requesting refund/ppCmb processing-200-Paid 460 already-sent letter requesting refund/ppMycash now-430-paid 342 already-owe 88-sent letter advising that willing to pray remaining prinicple only,once provided with address to remit payment/ppnbsp;/p/divpnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi I have several outstanding internet payday loans with companies such as ameriloan and fireside cash. I have become ill and have missed several payments.nbsp; How is it possible to find out if these companies are legal or not and what can i do about payback? Should I consider a payday loan consolidation company?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp;/ppMy husband was served a petition last week. I understand that i immediately need to answer to avoid default judgment, Irsquo;m just not sure Irsquo;m smart enough to do it properly./ppHonestly, the petition is quite short it reads:/pp1) Unless you, within 30 days after receipt of this notice dispute the validity of the debt, or any portion thereof, we will assume the debt to be valid. If you notify this law firm, Love, Beal amp; Nixon in writing within the 30 day period, that the debt is disputed our law frim will obtain verification of the debt and mail a copy of the verification to you. ....and provide you the name and address of the original creditor./pp2)HSBC Bank Nevada provided credit to the defendant on a written credit card account with account number XXXX. The indebtness arising therefrom has been duly assigned to Midland Funding, Plaintiff herein. The defendant defaulted on the obligations required under the contract./pp3) The defendant remains indebted to the plaintiff in the amount of $1900 inclusive of credits, adjustments, interest, and fees, if applicable./ppIt then prays for judgment for $1900 with interest, court costs and attorneys fees./ppHow do i determine if the SOL is exceeded? A local atty states on her website that the OK SOL is/ppAccount Statedquot;-the contract is quot;impliedquot; because of your use of the card and your agreement to the contractual terms, even if there is not a written contract signed by both paries.nbsp; THE STATUE OF LIMITATIONS IS 36 MONTHS FROM THE DATE OF YOUR LAST PAYMENT ON OR USE OF THE CARD./ppquot;Written Contractquot;-the contract is signed by both parties and the terms of the contract are apparent on its face.nbsp; THE STATUE OF LIMITATIONS IS 5 YEARS FROM THE DATE OF YOUR LAST PAYMENT ON OR THE USE OF THE CARD./ppThe petition specifically says written but how do i verify this?nbsp; According to my husbands experian credit report the last payment made to HSBC was May 2008. So if indeed it is a written contract SOL is not up but if it was an implied contract it is./ppHow do i make them prove they have a right to collect this money?/ppMidland funding is one of the bottom feeding bad debt buyers who harass people and I would love to beat them.nbsp;/ppI have no idea how to answer this petition, what steps to take next. We are a single income family with three children, I cannot afford an attorney. Any advice is much appreciated./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am behind on my registration loans. I have one of the loans going into default, can they repo my car? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Ameriloan illegal in ALL STATES? I reside in Michigan. I am dealing with them now. They have placed my account in compliance an I must now communicate via via and fax. They do not respond to either. What are my next steps? I have paid $660 thus far on a $500 before cutting off communication with me they said my next payment would be $220 Thank you in advance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 current payday loans: ameriloan, star cash. I used ameriloan once before and paid them off. It ended up being $635 on a $350 loan. I was going through some more tough times in September so I used ameriloan again. This time they deposited $500. Theyve already drafted $745 from my account but I still owe $260 on the actual loan. My next amount due is $110 ($50 for loan repayment and a $60 fee). I didnt even mean to get the star cash loan. They deposited $200 in my bank one day. I needed the money so I didnt dispute it. Theyve already drafted $60 from my account for the fee since I couldnt afford to pay any of the actual loan off. I was online trying to figure out what I could do when I learned that payday loans are actually illegal in the state of NC. I had no idea. I knew that when applying for one the first time with ameriloan, one loan site wouldnt approve me because they werent licensed in my state. I just assumed I need to find one that was and thats when I found ameriloan. What do I do? Ive already paid ameriloan $530 more than what I owed them on both loans. I still owe star cash $140 if you say the $60 went towards the loan. How can I stop them from taking more money? I there a way I can get my money back from ameriloan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 4 Internet loans. I keep having to get another just to pay the finance fees for the other ones. I will never be able to pay them off. All but one of them has outrageous financing which none of it goes to principal. I had to close my checking account because the automatic debits they do every pay period takes my entire check. I am now about to lose my only means of transportation to work and can not make my rent. I dont know what to do?????? I believe that three of the lenders may not be licensed and I didnt realize that these finance charges would not pay down the principle. One of the loans I was just inquiring about. I did do the application on line, but when I spoke to the person on the phone I told them I wasnt sure I wanted to go through with the loan and I would call back if I decided too. The next day the money was in my account and was eaten up by overdraft fees, so I wasnt able to have them just take it back. Here are the lender names and the loan amounts Great Plains lending $800 Castle pay day $600 Cash payday $255 ( this one I feel is fair. Only charging $45 in finance fee) Red leaf lending $400 If you have any advice, please share. I am desperate. Thank you. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pnbsp;/ppI am a member of the community and I am having difficulty signing in./ppI keep getting a message that my email is blocked or not activated./ppnbsp;/ppWhen I try to rejoin the community it says my email exists./ppnbsp;/ppCan some one help me?/ppnbsp;/ppThank you/ppnbsp;/ppa href=mailto:iommazzo315@yahoo.comiommazzo315@yahoo.com/a/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello All,/ppnbsp;/ppI have been sending my letters to the lenders and some have actually said that they marked my account paid in full.nbsp; Now i live in New York and this PDL company that i emailed a few times with my letter i found on this site wrote back this:nbsp; Ive paid about $1000 for a $600 loan.nbsp;/pdiv align=centerhr align=center size=2 tabindex=-1 width=100% //divpstrongFrom:/strong Fernandez G. [mailto:fernandezg@centrinex.com]br /strongSent:/strong Tuesday, December 18, 2012 2:24 PMbr /strongTo:/strong ****, Jenniferbr /strongSubject:/strong RE: Idealgelt/ppnbsp;/ppIdealgelt has an International License and you got this payday loan via email, not a local store in NY.nbsp; Your balance is $570.00 and will grow if you don#39;t take care of it./ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have managed to get a paid in full from American WEB Loan but trying to get a refund from them is close to impossible.nbsp; Not sure how I should proceed with their latest response.nbsp; I have overpaid them by $1200 and they are illegal in the State of Michigan./ppDear Valued Customer,/ppI see in the chain that you did receive my email advising that we have forgiven your active remaining balance,nbsp;we are not going to be able to offer you the refund you are requesting. As a returning customer, you entered into your loan fully aware of the payment options, you chose by default tonbsp;simply pay fees and extend your loan out. Please refer to your loan agreement to answer questions regarding our billing process.nbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello,/ppI just have a few questions since I am new to this payday loan stuff. Due to recent financial hardships and family emergencies I had to take out a total of (4) payday loans from the lenders and in the amounts shown below. Two of them were back in September and two of them were last week. The two from last week I have not paid anything yet since my first payday has not come yet. The two from September I have been paying every payday. I just discovered yesterday that internet payday loans may be illegal in the state of Pennsylvania but I have read some conflicting reports. I have the following loans/ppBlue King: $400.00 deposited on 9/20/2012nbsp;/ppLakota Cash: $400.00 deposited on 09/20/2012/ppAdvance Me Today: $400.00 deposited on 12/11/12, nothing paid yet/ppStar Cash Processing: $300.00 deposited on 12/11/12, nothing paid yet/ppOn the Blue King loan I have made the following payments:/pp9/28/2012 $106.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; 10/12/2012 $106.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; 10/26/2012 $106.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;11/09/2012 $106.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; 11/23/12 $106.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;12/7/12 $146.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; Bringing the grand total I have paid to $646.00 and out of that they have only put $40.00 to my principal balance of $400.00/ppnbsp;/ppOn the Lakota Cash loan I have made the following payments:/pp10/12/12 $120.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;10/26/2012 $120.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;11/09/2012 $120.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;11/23/2012 $120.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; 12/07/2012 $145.00 nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; Bringing the grand total that I have paid to $625.00 and they have put nothing towards my principal balance nbsp; nbsp; nbsp; nbsp; nbsp;/ppI am looking for any help that could help me challenge the legality of these quot;companiesquot; and what I should do next./ppThank You So Much,/ppDan/ppnbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp; nbsp;nbsp;/ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi Friendsbr /br /As you all know we have shifted to a new platform in Drupal. Some members are facing login/passwordnbsp; issues. Here arenbsp; thenbsp; steps to reset your password.br /br /Once you click on Sign in (http://www.debtconsolidationcare.com/user)br /br /1) In the Log in section you will find a Request new password button.br /br /2) Click onnbsp; Request new password button.br /br /3) After clicking you will be asked to enter your email address.br /br /4) After entering your email address click on Email new password button.br /br /5) After you click on the Email new password button you will get a notification (request to reset the password) in your email address.br /br /6) Just copy the link and paste the link in your browser (you will find the link under : You may now log in by clicking this link or copying and pasting it to your browser: (e.g - http://www.debtconsolidationcare.com/user/reset/45..87/1355..8008/Xg5qdvg...)br /br /7) After you paste the link in a browser you will be taken to your Edit profile page.br /br /8) Give a new passwordbr /br /9) Start posting either in forums or social answer sectionbr /br /br /Please note : Make sure you clear your browser cookies once./ppnbsp;/ppJason/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI took out a loan from Payday Loan Services (PLS) last year to help pay rent and I was later laid off from my job and I amnbsp;now collecting unemploymentnbsp;The attorney that is handling the case recently placed a levy on my bank account which was already in the negative. Thank God I stopped my unemployment checks from going to my bank account awhile ago.nbsp;I spoke with the attorney on the phone and he was very rude, he ask me did I have his money and I had to tell him a couple of times that I have been unemployed for a year, he kept insisting that I was going to pay him that day finally I guess it clicked in his head he wasnt getting any money, so I ask him when will the remove the levy on my account he said once he receives notication from the bank and on the court date. The attorney has even went as far as doing a personal service to my former employer after he received the letter from the bank stating that the only income that was coming in was from IDES which is Illinois Department of Employment Security, which I have a copy of. What else can he do sincenbsp; I have no assets and nbsp;I closed the account./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have gotten into payday loan hell and need help to get out...I am in Mississippi...I have 12...some are payday loans and some are classified as short term installment loans.nbsp; Most of the consolidation companies I have talked to for assistance will still leave me in a bind.nbsp; I am not in a position to file bankruptcy.nbsp; I have talked to Oak View Law Group and they are reasonable but I can#39;t figure out whether or not they are legitimate.nbsp; I have also closed my account and opened a new one.nbsp; I am not behind on any of these but will be on Friday when they try to debit my account and it is closed.nbsp; Some of these are not even based in the states.nbsp; I don#39;t want them harrassing me, my references or my employer.nbsp; I can#39;t afford to lose my job as a single parent./ppI have loans with the following companies:/ppSonic Pay Day/ppMagnum Cash Advance/ppPay Day Nation/ppCash Jar/ppRed Leaf Lending/ppAction Pay Day/ppIntegrity Cash Advance/ppMy Cash Now/ppRiver Bend/ppVIP Loan Shop/ppPlain Green/ppGreat Plains/ppWhat do I need to do?nbsp; Any help would be greatly appreciated!/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently am drowning in payday loan debt it s taking most of my checks every two weeks and barely leaving any money to actually live on for my family. I want to take control and get out but I am extremely afraid of the tatics they will use against me. Ive heard of people going to jail because of this and that scares me to death............I want to try and accomplish my goals in dealing with these before my next payday of 12/28/2012. I live in Ohio and I have the following loans out Plain Green Loans (2) 1-mine 1-my husband Cash Direct Express Cash Direct Express Loan is $600 I have paid $826.00 Plain Green Loans is $1600 I have paid 2213.92 still have a balance of 1365.75 I have taken multiple loans with this company and have over paid them on all of them. Is there any course of action for the previous oans or just the current??? Please Advise ASAP!! These are literally ruining my life :( Thank you all for your advice and supporthttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI got a loan from Online Advance. I live in Florida. At the time I had other online payday loans and one store loan. Is Online advance legal in Florida. They have sent my account to a collection agency. Can they do that. I borrowed $500 and they want me to pay back $690./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I regret obtaining these loans. My car engine died and I ended up seriously ill at the same time. I felt like I hadnt any other choice at the time but will never go this route again. I have the following lenders and need to know if theyre legal in South Carolina and ideas how to pay these fees. Obtained via Internet: Quick Cash At Hand $500 Ive paid a total of $306.92 US Fast Cash $500 Ive paid a total of $300 Great Plains Lending. $600 Ive paid a total of 364.26 Spektrum 500. $500 loan Ive paid a total of $318 Mobiloans $750 Ive paid a total of $395.50 Cash Web USA $500 Ive paid a total of $450 Ameriloan $300 Ive paid a total of $180 Mass Street Group $300 Ive paid a total of $180 HydraFund (I didnt authorize them) they deposited 300 and the next day withdrew $90my account into default status. L1H they deposited 27cents I didnt authorize. They withdrew $39 out of my account. Ive called the two I didnt authorize and theyve given me no answer. They said they own hundreds of companies and dont know which one I used. All of the internet lenders I used I recorded. Im so frustrated with myself for being in this situation. I truly need guidance. I will pay what I borrowed but these fees are KILLING me. In paying them, I literally cant buy food and gas. Ive got to choose... I also have a store loan from Check-n-Go for $1,400. Since theyre a store front, I assume theyre legal and have been paying them back. Thanks for any help you can give. Im at my wits end. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello,/ppnbsp;/ppI was just looking through the documents that I got from Cash Call regarding my letter to them notifying them that this loan is illegal./ppnbsp;/ppI found this:/ppquot;Governing Law: This agreement is governed by the Indian Commerce Clause of the Constitution of the United States of America and the laws of the Cheyenne River Sioux Tribe. We do not have a presence in South Dakota or any other states of the United States. Neither this agreement nor the Lender is subject to the laws of any state of the United States of America. By executing this Agreement, you hereby expressly agree that this Agreement is executed and performed solely within the exterior boundaries of the Cheyenne River Indians Reservation, and soverign Native American Tribal nation. You also expressly agree that this Agreement shall be subject to and construed in accordance only with the provisions of the laws of the Cheyenne River Sioux Tribe, and that no United States state or federal law applies to this Agreement. You agree that by entering into this Agreement you are voluntarily availing yourself of the laws of the Cheyenne River Sioux Trive, a soverign Native American Tribal Nation, and that your execution of thei Agreement is made as if you were physically present within the eterior boundaries of the Cheyenne River Indian Reservation, a soverign Native American Tribal Nation.quot;/ppnbsp;/ppMy questions is how I can pursue this as being an illegal loan when this is in the contract I virtually signed before getting the loan? PA department of banking said this loan was illegal and I have also seen it throughout this website, as well. But if this is in the contract then how am I not bound by that? I want to pay off this debt for the rest of the principle and not pay the interest - based on it being illegal in my state. But this has now confused me./ppnbsp;/ppThank you!/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHello!/ppHere#39;s my loan info:/ppb1. I live in PAbr /2. Western Sky - being serviced by Cash Callbr /3. $5,075 (recieved $5,000 after $75 origination fee)br /4. $1,372 with $1,000 being an extra payment supposed to go towards principle. /b/ppbFirst off, I have found so much valuable information on this website and I want to thank you!! Also, I know the Western Sky/Cash Call topic is brought up a million times a day on this website but I have some really straight forward questions that I have not been able to find the information to. /b/ppnbsp;/ppbFirst, after talking to the PA Department of Banking I found out that (of course) the loan is illegal in PA AND the guy I spoke to referred it as a payday loan. Of course Western Sky/Cash Call says it is an installment loan. From my understanding (and correct me if I#39;m wrong) if it is an installment loan then they need to be licensed in the state of PA AND has to abide by usary rates...right? And if it is a payday loan then it is outright illegal. Either way, the loan is illegal in PA. /b/ppnbsp;/ppbI have already sent the first letter explaining this to them (from a letter I found on this website) and they sent m a letter back telling me the regular mumbo jumbo indian reservation blah bah blah info that they send everyone who disputes the loan. But I haven#39;t found a single person here that has gotten this removed from /btheir credit report. There#39;s tons of information on HOW to do it but no one has said that it works. I am curious if going through everything will actually get it taken off? I want to pay the rest of the principle but I also want the $1,000 principle payment I made apply as well. It has not been applied and is almost at the same amount I borrowed at. I refuse to pay them another cent if they are not correctly applying my payments. I have closed my bank account and sent them the first letter. I need help finding the laws regarding this in PA. If I send them something saying it is a payday lender they will just send me back something that says they are not. IT#39;s all hoops to jump through and I am willing to do it but want to make sure I know what I am talking about./ppnbsp;/ppThanks so much for your help and sorry for being long winded!/ppnbsp;/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pIs this site ever getting back to normal ?nbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI have multiple payments coming due in 4 days. I can#39;t pay. I need my paycheck for food and electricity. What can I do?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pDoes anyone know if Freedom Cash Leners is legal in the state of FL? They are telling me they are not but this is an online payday loan company./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pspan lang=ENRec#39;d this email from Cash Yes saying that since i found them on the internet - im obligated to pay - again i live in New York.nbsp; I have absolutely no problem paying the principal which was $200.nbsp; They want 2 payments of 162.50 - which is obviously more than 200 bucks. Please read and advise.nbsp; what should i say when i contact them.nbsp; /span/ppnbsp;/ppspan lang=ENDecember 14, 2012/span/ppspan lang=EN　/span/ppspan lang=EN　/span/ppspan lang=ENCash Yes/span/ppspan lang=ENP.O. Box 1469/span/ppspan lang=ENBelize City Belize/span/ppspan lang=EN　/span/ppspan lang=ENRe: Your Cash Yes Loan # *********/spanspan lang=EN　/span/ppspan lang=ENDear Jennifer:/span/ppspan lang=EN　/span/ppspan lang=EN　/span/ppspan lang=EN　/span/ppspan lang=EN　/span/ppspan lang=ENI am writing on behalf of Cash Yes in response to your recent email. Cash Yes strives to assist consumers with their short term cash needs and is concerned that you were disappointed with your most recent experience./span/ppspan lang=EN　/span/ppspan lang=EN　/span/ppspan lang=ENPlease be advised, however, that your loan was made pursuant to Cash Yes#39;s license in its home country of Belize under the International Financial Services Commission Act of Belize, Chapter 272. Cash Yes#39;s contracts, including the loan agreement you signed, clearly designate Belize law as governing its transactions and provide all disclosures required by Belize and U.S. federal law. Cash Yes has no physical presence in the state of New York, and does not solicit New York consumers via mail, telephone, or email; therefore, we are not subject to its regulatory jurisdiction. In order to obtain a loan from Cash Yes, a New York consumer must log on to the internet and access Cash Yes#39;s website, just as you did. You received documents in conjunction with your loan fully describing how the finance fees are applied and your repayment options, and you agreed to these terms, including the applicability of Belize (not New York) law to the transaction, with electronic signatures in multiple places. Should you require another copy of your documents, or if you need clarification on points referenced in the documents, please contact us. A careful review of those documents should resolve your concerns regarding the terms applicable to your loan./span/ppspan lang=ENWe intend to continue our efforts to collect the loan balance from you. /span/ppspan lang=ENHowever, we do understand that the current economic situation has adversely affected many people. We are currently willing to accept your offer to make the two payments of $162.50 for 1/11/2013 and 1/25/2013 to have this loan paid in full. Please contact us at 1-866-568-1422 at your earliest convenience to discuss credit card payments. It is in your best interest to make arrangements with us directly, as your loan may be sold in the future to a third party collection agency. Those agencies are empowered to take legal action to collect the debt, and once they purchase your account from us, the nature of their actions is not within our control./span/ppspan lang=ENThank you for the opportunity to clarify this matter and address your concerns./span/ppspan lang=ENSincerely,/span/ppspan lang=ENCash Yes/span/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI live in mississippi: I followed the steps in regards to dealing with illegal payday lenders, after looking at the laws in my state regard payday lenders. Hydra fund sent me a response back stating they are not bound by the laws of the United states, but the laws of new zeland and I need to send asap a new zeland. Should I even Respond to there email? Any advice???/ppAll loans are online payday lenders-Non are licensed in my state, per my state loans rollovers not permitted, each one these engages in rollovers etc.../ppHydra fund 200-paid 420 already-sent letter requesting refund/ppCmb processing-200-Paid 460 already-sent letter requesting refund/ppMycash now-430-paid 342 already-owe 88-sent letter advising that willing to pray remaining prinicple only,once provided with address to remit payment/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pi have set up auto payments with delbert services and am wondering if there is a website that i can go to to access my account nbsp;i lost emails that were sent to me telling me whrn my payments are do nbsp; nbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help with payday loans Ive gotten into a situation where we get one to pay another. These fees are taking over half my paychecks every two weeks. I live in Ohio my loans are from cashdirectexpress plain green loans. Anyone familiar with these and can offer some advice or help? Im afraid of legal action be taken Ive heard of ppl being arrested for defaulting I cannot afford these anymore I want out to give me my family some peace of mind. Thanks in advance!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pi had a loan with them but hit a really rough patch with my brother. he was stuck on drugs and i paid for all of the rehab. not cashnet is sent to collections and theyu wont work with me. they only accept 25% which is about 400 and i cant pay that. if i dont they send out a warrant for my arrest. i dont know what to do and need help so bad please./ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pcan nca come after you legal stuff in pa? they have called my work and home.They even told my HR person they wanted to meet with them.....I had enlisted payless financial group to settle 3 payday loans. They said not to worry but i am. nca threatened to serve me at work. I dont know who to believe....../phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pMy wife has received a letter from Jaffe amp; Asher (attorneys) regarding a late Amex credit card.nbsp; I believe its about 90 days late.nbsp;/ppShould be dealing with them regardign a settlement or should we be addressign this with Amex?br /br /I assume the amount has not been charged off.nbsp; Also, any tips with dealing with these guys?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pcan someone tell me how you submit to get your money earned. i have only been a member of the forum since october and still have alot to learn. thanks to everyone for your help. i have learned alot from the forum./phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ phey cash call is now trying to get me to email them after i havent answered the thousand phone calls i have ignored. do i reply that there will be no more payments or just leave it alone . i have repaid my principal of 1000.00 plus 1400.00 in fees and interest. would appreciate some advice. they are really a pain in ??? but im gonna stand strong/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pPlease guys I need help is Ameriloan Legal in AZ or CA? nbsp;I have asked a few times now I need help/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi I have a question Ia ameriloan even Legal in California Or arizona, I keep trying to work with these guys but they wont cut me any slack. I have heard lots of things. Are they even legal?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pHi I have a question Ia ameriloan even Legal in California Or arizona, I keep trying to work with these guys but they wont cut me any slack. I have heard lots of things. Are they even legal?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI too am buried in PDL#39;a both here in Idaho and a few on line;/ppThe CAsh Store/ppEZ PAydayloan/ppCheck n go/ppmoney depot/ppQC Holdings ( which tried 6 times to cash the check after I called and cancelled, costing hundreds in fees)/ppMoney Tree/ppAce Cash Edxpress/ppCheck into Cash/ppOnline;/ppSpot loan/ppUS FAst CAsh/ppCAsh net/ppCAsh Central/ppnbsp;Discount CAsh/ppSeem like some of these are shady and I#39;m getting nailed with extra fees-/ppI#39;m trying to work with a debt consolidator, but I#39;m sinking- can I just call and revoke their priveledges with my Financial institition?/ppThanks/ppoverwhelmed in Idaho/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pI too am buried in PDL#39;a both here in Idaho and a few on line;/ppThe CAsh Store/ppEZ PAydayloan/ppCheck n go/ppmoney depot/ppQC Holdings ( which tried 6 times to cash the check after I called and cancelled, costing hundreds in fees)/ppMeny TRee/ppAce Cash Edpress/ppCheck into Cash/ppOnline;/ppSpot loan/ppUS FAst CAsh/ppCAsh net/ppCAsh Centtral/ppnbsp;Discount CAsh/ppSeem like some of these are sading and I#39;m getting nailed with wextra fees-/ppI#39;m trying to work with a debt consolidator, but I#39;m sinking- can I just call and revoke their priveledges with my Financial institition?/ppThanks/ppoverwhelmed in Idaho/ppnbsp;/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ pam i doing something wrong? looks like every thread has a bunch of spam messages?? should i be looking at a different web address? has the site actually been shut down?/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ irrpd [url=http://hotsaleuggbootsstore.com]UGGs Clearance sale[/url] osurbu http://hotsaleuggbootsstore.com hcep [url=http://bestcheapuggbootssale.com]Cheap UGG Boots[/url] ceopce http://bestcheapuggbootssale.com azdz [url=http://mycheapuggbootsoutlet.com]UGG Outlet online[/url] ppowbq http://mycheapuggbootsoutlet.com mmjke [url=http://salecheapuggbootoutlet.com]Cheap UGG Boots[/url] acdsvf http://salecheapuggbootoutlet.com hjkcqhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ p1. I Live in Tennesseebr /2. PDL name:Qloot/VIP/DMAbr /3. Amount of loan: 500.00br /4. Amount paid so far: 151.00br /br /This is a new loan and I#39;ve made one payment so far. I was talking to a friend of mine and she said that internet PDL#39;s are illegal in my state. I#39;m thinking though that QLOOT is a legal loan since it#39;s an installment loan. Can anyone shed some light on this for me? Thanks/phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ When did the practice of a CA or JDB sending a 1099c to the IRS for old debts begin?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I found them on my credit report. It says I owe $0. Balloon Payment Date: Date Closed: 11/2012 Type of Loan: Factoring Company Account (debt buyer) Please advise me about this negative mark. Thank you cdiver2001@yahoo.comhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received a “request writ for garnishment (income tax refund/credit)”, so I have been looking around online to is if there is any way not to have our tax refund taken. I currently do not work but did have unemployment income for 2011. My husband I have always filed our taxes joint. I know that at some point I will have to pay for these judgments, but right now we could use the money. Since our taxes are done by me (I just use Turbo Tax) if the refund goes into a bank account that is only in my husband’s name will that keep our refund safe from this garnishment since the judgment is only in my name?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ again, a thank you to everyone for your advice most of my PDLs have responded that my accounts are paid in full after i sent them the letters i found on this site...a special thanks to Soaplady, Ohiogal, and Steveberris for the advice that i have seen on this forum. Wouldnt have had the confidence to do this without your help!!!! There is one company that sent me back an email saying that they will settle with me for $120 - i live in New York and PDLs are illegal and ive paid more in finance fees on this account than the actual loan. Why should i pay this $120? just wondering....here is the email below (i took out my last name and account#): Subject: US Fast Cash Date: 12/14/12 Dear Jennifer ****: The loan agreement you entered into with US Fast Cash was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of New York. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma. Please see the attached settlement offer: Balance Due: $520.00 Application ID: ************ This offer is being sent to you as an offer to settle the above referenced account. US Fast Cash is currently offering $120.00 as a settlement in full on the above noted account. If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com. Payment must be received by US Fast Cash no later than the close of business on December 28th, 2012. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like US Fast Cash to automatic debit the amount, please give permission via email or call us at the number provided. Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account. We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com. SETTLEMENT OFFER Payment(s) Amount Due Date Method of Delivery 1 120.00 12/28/12 ACH/Debit Respectfully, US Fast Cash Compliance Department Phone: 1-800-635-6206 Ext 328 Fax: 1-800-470-6614 UsFastCash Compliance Department Fax-1-800-470-6614 compliancedepartment@usfastcash.com Department Hours: 7am-3pm CST-Monday-Friday http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can anyone please explain from what date does the 7 year time closck start for neg account to drop off mya href= http://leadingcreditrepairservices.com/ Credit Service/areport? is is the last time you were late? what happens if your late here and there, when does 7 years start? How does charge offs figure into this date? Does each cra utilize a different date or is it all the same? How do deletion dates of collection agency(jdb) figure into this? Or can we all just make it up..LOL..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can anyone please explain from what date does the 7 year time closck start for neg account to drop off mya href= http://leadingcreditrepairservices.com/ Credit Service/areport? is is the last time you were late? what happens if your late here and there, when does 7 years start? How does charge offs figure into this date? Does each cra utilize a different date or is it all the same? How do deletion dates of collection agency(jdb) figure into this? Or can we all just make it up..LOL..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is this a company to use to help consolidate your pay day loanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, My name is Amy and I have pay day loans from hell... I have about $2000.00 borrowed but with all the interest way more than that. I have too many payday loans. I am in worse condition now then when I started... I do not know how to get these down, and they are all internet payday loans. I do not want to have to close out my checking account because I have an account with the company I work for Credit Union. Before I got any pdls I tried to get a loan from my Credit Union but my credit was not worthy of a loan. I dont know what to do now as my Check is going to all the interest on these things. I have even tried to do the $50 pay-down but whenever I see my new balance they are still only taking out the interest. These are the loans I have- USFastCash $500 -only paid the interest UnitedCashLoans $500 - ive paid 100 on the principal Northcash $350- only paid interest VIP Loan $400 havent made first payment yet Hydra Fund III $250 - paid 150 in interest http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ thanks to everyone who gave advice on this forum... i sent out my letters to the illegal lenders and now im getting responses that my accounts are paid in full! thanks so much again to everyone! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Complaint Description - Posted 11/26/2012 4:41:42 PM Cash call is trying to collect on a loan that is illegal and are continuing to report negatively on my credit report,They have broken the usury law in Michigan for payday loans and are continuing to try to collect on an illegal loan which has been paid in full and grossly overpaid by $3107.00. Complaint Summary Got the loan in 2010 and from research found that the company was an illegal Tribal lender,I paid back the principal and overpaid by $3107.00. Resolution Sought I would like for this company to refund the overpayment in the amount of 3107, and discontinue the illegal credit reporting. A letter of paid in full sent to me by mail, and to have this nightmare put behind me so I can move on with my life. Additional Information Date Problem First Occurred: 6/12/2012 Product or Service: Illegal lender in Michigan, Illegal Tribal lender, Illegal, Illegal. Model Name or Number: Date Purchased: 10/1/2010 Order Number: Amount In Dispute: $3,107.00 Companys Response Companys Initial Response - Posted 11/30/2012 As consumer should be aware, there is plenty of misleading and downright false information posted online about any company or organization. Consumer should be leery of believing anything posted online regarding CashCall, or any company for that matter. Specifically, consumers loan is NOT a “payday loan,” as incorrectly listed in his complaint, nor is his loan “illegal.” Consumers loan is an unsecured installment loan that he obtained from a company called Western Sky Financial (“Western Sky”) and that is currently being serviced by CashCall. Our records indicate that consumers installment loan was originated and funded by Western Sky on October 15, 2010 in the amount of $2,525.00, which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee. As such, all questions regarding the origination and funding of consumers loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656. As background, Western Sky is a wholly Cheyenne River Sioux Tribal Member owned business and is located and operates within the exterior boundaries of the Cheyenne River Indian Reservation. Western Sky loans are initiated, approved, issued and disbursed within the confines of the Cheyenne River Indian Reservation. Western Sky is licensed with the Cheyenne River Sioux Tribe. Upon review of the file sent to CashCall by Western Sky, the loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of consumers loan, and he further accepted this choice of law and jurisdiction by executing his loan document. These facts were explained to consumer when he applied and again when he signed his Consumer Loan Agreement (“Note”). Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in three different locations. The second of the signatures represents the borrower’s confirmation that he has read and understands the terms and conditions of the Note. According to our records, consumer signed the Note on October 14, 2010, via electronic signature, indicating that he did indeed understand the terms and conditions of the Note. This Note, in its original format, is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and its applicable laws and regulations. The Truth in Lending Act Disclosure Statement at the top of page one clearly displays the Annual Percentage rate (“APR”) as 139.33% and Total Finance Charge of $8,402.32. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at anytime without penalty. Consumer was also sent a settlement statement via electronic mail to the address he supplied, confirming the terms and conditions of the Note, on October 15, 2010. On October 18, 2010, per the Notice of Assignment, Sale or Transfer of Servicing Rights e-mail sent to the address provided by consumer. Consumers loan was sold to WS Funding, LLC (“WS”), and is currently being serviced by CashCall. Under long-standing principles of assignor-assignee rights, CashCall is permitted to stand in the shoes of the maker of the loan and enforce the terms of that loan pursuant to the choice-of-law provisions contained in the agreement. A “Welcome Call” was placed to consumer on October 15, 2010 in which a representative went over the terms of the loan with him, including the interest and repayment schedule. He gave no indication that he did not understand or did not agree to the terms of the loan. According to our records, consumer has made 21 of 46 payments to this loan, totaling $6,127.61. The last payment CashCall received from consumer was on July 30, 2012 in the amount of $224.00. The payoff balance as of November 26, 2012 is $3,600.35 and the remaining principal balance owed is $2,223.35. In summary, this debt is legal and valid, and owing to CashCall, and has not been paid in full. We also have confirmed that consumers account balance is accurate and that we are reporting all credit information correctly for this loan. Please be advised that we are more than willing work with consumer to resolve this matter. Please have consumer contact CashCall’s Dispute Resolution Department at (714) 221-3300 to discuss a possible deferment, modification or settlement to his account. Initial Response Summary All of the material terms were fully and prominently disclosed to consumer before and after he signed his loan documents and received his loan proceeds. Consumers Rebuttal Consumers Rebuttal - Posted 12/05/2012 This loan is illagal and I have paid the loan in the amount of $2600 and overpaid by $3107 and would like a refund of over payment and as of today I have a complaint in with the AG of CA, and SD. Companys Final Response Companys Final Response - Posted 12/11/2012 As previously stated, all of the material terms were fully and prominently disclosed to Consumer before and after he signed his loan documents and received his loan proceeds. The terms of the loan remain intact and the same as when Consumer signed and executed his loan agreement. Consumer does not dictate the terms of the loan. This loan is valid and enforceable and has not been paid in full. CashCall is more than willing to make a settlement arrangement with Consumer. Please have him call the Dispute Resolutions department at (714) 221-3300 so that we can discuss repayment options with him. Any suggestions Please. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I paid off a debt I owed to Care Credit for dental work in 2009. I have a copy of my last check with paid in full at the bottom. Now a third party has summonsed me to court and say I owe $789. I need to know what to do to handle this. I got a call from the third party lawyer and told him I paid this and did not owe it. I have researched this third party and learned the state of Minnesota won a judgement against them for suing people who did not owe the debts they were claiming were owed. These people have been hounding me for over a year, including calling me several times a day and hanging up when I answer. Please help! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A while back I got a loan from , well all I know is the site that was taking the money from my account ( I do not know where the papers are I had for them back in the earlier part of this year) the site on my account says ACH-A-GOV EMP WEBGOV EMP CREDIT. I stopped the payments with my back because they were charging me 125.00 interest each two weeks and only taking out 53.00 on top of the 125.00 for principal. At this time now I would like to pay them off and I did borrow 500.00 but I feel I only owe them around 350.00 at the most without all of the interest added on. I would like to make them a deal to pay them I do not know how to contact them. Do you have any suggestions for me. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am tryng to get epps for my cash 1 and check into cash loans.I called the stores and was told that they dontt do them. Both loans are tied to my vehicle i would assume they are not payday loans. The agreement says secondary vehicle loan, not title. I am current on my payments and have been since day 1, I just want to get out of the cylcle. I live in Az. Do I qualify for an Epp for these type loans?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ There was an attorney send my son a letter for a medical bill. He has 30 days to respond. Her name is Laura Tragesser, I goggled her and she works for Revenue Recovery. Just checking into options before we contact her. He is young and had a car accident, and has no clue on how to handle. If the balance is a little over 1,000. Do they have to accept payments from him or will they force the whole amount? The letter was from her not RR. It says if he does not reply or dispute they will obtain copy of judgment.WHAT TO DO? help..I am sure that this bill is prob legit..I posted about this earlier before site when on brink and could not find so sorry if this is a repost.. Thanks in advance..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have posted this question a few times, but no answers. Surely someone here has dealt with Zest Cash, now Spotloan. Just wondering if anyone has successfully gotten them to stop hounding about your loan, which I believe is now tribal and illegal. Any info is appreciated!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do I find out what account thats on my credit http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recieved a pay day loan but have been unable to locate any contact info for the company that debits my checking account every two weeks. ACH WEBSINGLE XXXXX8789 FAST CASH PAYMENT is all that shows on my bank statement and my bank can not find any contact info either. I have put stop payments on this company but need to get the contact info so I can pay this off. Who is this and what is their number?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Its a long story so Ill try to summarize. AAA auto insurance was paid upfront more than $300 for an insurance policy in 2008. I recieved notice that underwriting didnt like some of the specifics of the policy and cancelled it after less than one month, after which they owed me money which I never received. Months later they bill me for over $700 for an insurance policy. I called someone up and explained the situation and was told it would be taken care of. Now, in 2012, I just found that they put me into collections back in 2009 and never received notice. I havent been contacted by any collections, I just found it on my credit report. Is there any way I can get this resolved, and who would I contact? Would collections even be interested in the fact that theyre trying to collect what I believe to be an accounting error?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So, this morning I went to the bank and went thru the headache of closing my account and opening a new one. I then sent emails to all the payday loan people stating they were not legal because they were not licensed to loan in my state of Mississippi and that I was revoking the ACH authority. I received an email back from White Hills Cash saying that they were a tribal company and as a sovereign entity they were not subject to state regulations. However, she did say that they had cleared my account and I now had a $0 balance. But she stated that I had an item in collections. What exactly does this mean for me if there is something in collections?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do i find out if am listed into this settlement?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I live in the state of Ohio. I took out a loan with Cash in a Wink for $400.00 and have since paid them back $788.00. I have closed my account, sent them a ACH revocation and cease and desist call letter. I have also requested a refund of $388.00 I filed a complaint with the BBB, as well as the Ohio Attorney General. Every day I get numerous calls and texts. I continuously email them telling them I will only communicate via email or US postal mail. Today they emailed me saying they will continue to attempt collection payments from the account I have on file. We will not discuss account details in email. Any suggestions on where to go from here? I am tired of them calling! Thank you in advance for any help!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What has happened to this website ???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ ok so out of the 9 pdl loans I have here is the update since i have sent emails to these lovely people: Anasazi-closed account paid i full Great Plains- accepted my offer to just pay remaining principle of $117 Jupiter-acceped my offer to just pay rest of principle $110 Mobiloans- accepted to my payment arrangement of $100 monthly on my principle left of $1000. Castle Pay Day and One Click cash have been overpaid but they havent responded back yet. Instant loans, Vip, Red Leaf, And Cash Call have not responded back yet. I will give it a little longer and email them again. We will see how they like being harrassed.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I signed a contract with a marketing firm. They did not live up to contract. They did not fulfill their objectives. Now they are trying to collect the full balance. I paid over half of it, for no return. I had to continue marketing myself, to pay them to market me. In fact all my clients are self gained and nothing to do with their marketing. They sent me on a bogus meeting, I traveled to the company and they did not even know I was coming for a meeting,and I was sent to a company that I didnt fit the profile for. I had to pay these costs to travel to these meetings and only to be embarrassed. Now PRA are calling me and telling me that I have to pay the contract balance or they will litigate. Total amount balance is $2666 or thereabouts. PRA are telling me I will have to pay all the court costs, have a judgement placed, get on my credit etc. I cant afford an attorney, or to pay them. I am a single divorced woman trying to make ends meet and I entered into agreement on the basis they would create new business. If they did not feel I was correct for them they should have said we are not confident that we can do this for you. They told me that this would replace my own marketing, thank god I didnt stop self marketing, as I would be in a worse situation if I allowed them to take over totally. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I curently have 5 outstanding payday loans from the internet and I am trying to find out if they are legal in FL. Spotloan- 700 Best choice 123- 800 Cash in a wink- 300 Dollar Flash- 300 Great Rock Financial- 300 Could you please help me find this out ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 6 payday loans and I live in Florida. They are all from online and they are as follows: checkngo - $550 zip19 - $540 cashcall - $1500 mobiloans - $1200 OPD Solutions - $325 These Ive been paying for a long time but the newest one I have is Ameriloan $390. Im not in default yet but they are due to take their next payments out tomorrow and Im stuck in the spiral now and cant afford to pay them.. Ive found myself without any other money. What can I do? and are any of them illegal in my state?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Had vehicle in BK financed with Franklin Capital - they did not file the paperwork so loan was discharged in BK in Jan 2011 - Turned vehicle in to them in June 2011, once realized that they had not filed paperwork correctly and loan was discharged in BK and that they were no longer reporting any of my payments to the credit agencies as on time or even being made! Yesterday the 12 of Dec, received paperwork from Santander Consumer for a lien release stating the referenced debt has been paid in full - but we never had a loan with Santander, all I can find online was that Franklin Capital had transferred their loans to Santander? it shows a loan date of 8/8/12 and the vehicle was no longer in our possession as of June 2011??? Wondering if any one had any input at all or this - I am assuming that since the paperwork I received in the mail said PIF I dont need to be concerned.. It only had my husbands name on it not both? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was stupid and we needed the money fast. I took the 2600 loan in August and have paid three payments. We were thinking we would sell some of our farm assets to repay the loan within a couple months. However, as our luck normally goes it didnt work that way. I revoked ACH and closed my account. They have only responded by email that they honored my request. Got the first call this morning. They want $50 today to hold the account. They say they have to have that $50 today to work with me. I can pay this off when I get my income tax return. Wondering if I should just hold out until then? I did offer them $160.00 per month until March to which their reply was there was no way they could do that with a laugh. Any suggestions??? Please help???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A promise ring can be worn on any finger depending on the type of ring. If the band is given to a man for friendship then it can be worn on any finger or even the thumb. 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If I default, how long would it take for them to put a judgement against me. Would I have a month before it would get that far? Is there anything I can do since they let me borrow an illegal amount? My lenders are Cashnet USA, Ace Cash Advance and check N Go. All are online lenders. Would I be better off to consolidate? And if so what company should I call? Any info would be great! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Let me start off by saying that we paid off ALL our consumer debt a year ago August. It tanked our credit, but we are debt free. Well except for an erroneous tax debt stemming from my husbands identity theft in Nov. 2000, that is -- weve been fighting this for nearly 12 years now. Yes, I have proof of all of this -- fraudulent w-2s, letters from those companies stating my husband NEVER worked for them and PIF letters from all our former creditors. And CR showing all debts paid as agreed. Wednesday morning, I got a call from an Andre Davis asking for my husband. When I asked what company he was from, he said he wasnt from a company, he was from [my county] processing and assignment division in Cali. I told him that the number did not show on the caller ID as being a county number and that it showed unavailable 1 which usually indicated a spam call. To which he responded well you can think its a spam call but there will be MISDEMEANOR charges filed against your husband for violations of section 3-1042b for fraud, fraudulent checks and attempting to defraud a financial institution . But I could stop this from happening by contacting the lawyer handling the case at 866-373-2394. Ummm... I already knew this was a scam because no criminal charges can be filed against anyone for consumer debt, but I decided to fish because, quite frankly, this guy pissed me off by pretending to be an officer of the court, lying about criminal charges, and, most importantly referring to California as Cali. Sorry, but that dumb rap song from the 90s has screwed up more conversations than I care to remember. LOL I called the number and a man answered who did not give his name and reiterated what Andre Davis had said to me. The lawyers office is a place called Liberty. He said the collection account was for a company called Plain Green Loans and my husband owed them over $1800. I told him I knew nothing about this company and he needed to send me something in writing via US mail in accordance with the FDCPA. He said he had sent emails. I told him that wasnt legal, no one could be prosecuted criminally for debt and that he had violated federal and state laws regarding collections by the statements he and the other man had made to me, including giving ME information about my husbands supposed debt. He, of course, disagreed. I hung up with him and called my county DAs office. I asked if the stated department even existed and was told no. I was also told that the special prosecutors office had received many calls about similar types of things and did I want to file a complaint. Which, of course, I did. I then called the state AG and found out that this Plain Green Loans is not licensed in CA. Then, I decided to call these asshats back and tell them what Id discovered and that I was filing charges and complaints against THEM for violations of the FDCPA, impersonating an officer of the court and anything else I could find. I also told him that if they attempted to contact my husband, his place of employment, myself or anyone we know again, I would take them to court and any and all correspondence MUST be via US mail ONLY. Then he put his supervisor on the line, a woman named Sarah Cain. She proceeded to tell me that their client was a company called Think Cash. Never heard of them, just like Ive never heard of Plain Green Loans. She proceeded to tell me that the FDCPA did not apply to Liberty, only 3rd party collection agencies. I said that unless she was in-house with PGL/TC, she was THIRD PARTY. She didnt like that. When I said that PGL was an illegal company, she stated that if they were illegal, then my husband bears responsibility for taking a loan from an illegal company!! SERIOUSLY?!?!?! She asked about an email address and I said I had no idea who it belongs to because my husband does not have one, only one for work that is just a few months old and strictly regulated. She told me she was doing a background check on the email address to prove it was his. LOL I told her that she wasnt going to get me, she needed to send a letter in the mail with validation of this debt, proof it was my husbands and to never contact either of us, family members, employers or friends by phone again or there would be a lawsuit. In fact, I would likely sue anyways for the false representation of an officer of the court and threat of criminal charges. That really got her. She stated she had heard the entire conversation between myself and the lawyer and hed never said anything about misdemeanor charges. I had to tell her that it was during my initial contact from Andre Davis my first conversation with the lawyer in which the false claims/threats had been made. I also told her that section 3-1042B existed, but only in the IRS tax code. She had no answer for this. I again reiterated that they were to ONLY contact us via US mail and hung up. Ok, after that lengthy story, here are my questions: Does anyone have ant info at all about this Liberty place? Address, phone number -- other than the one I gave earlier? Who are Plain Green Loans/Think Cash? How should I proceed to get them gone and hopefully prosecuted/fined within an inch of their lives? If the FDCPA truly does only govern 3rd party collectors, what laws govern in-house collectors?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have several payday loans and little to no money left every month after I pay them off. How can I stop this cycle and stop them from taking almost all of my paycheck? I live in New Jersey and am trying to do a little research on it but am unsure/unclear about a lot.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ 1. I Live in Tennessee 2. Qloot/VIP/DMA 3. 500.00 4. 151.00 This is a new loan and Ive made one payment so far. I was talking to a friend of mine and she said that internet PDLs are illegal in my state. Im thinking though that QLOOT is a legal loan since its an installment loan. Can anyone shed some light on this for me? Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Sorry for this long post.... On 8/1/2012 I received the $2600 loan ($2525 deposited) from Western Sky. A few days later the loan was transferred to Cash Call (go figure). I have paid a total of $881.42 in three payments to date but I cannot afford the payments of $294.46 any more. After finding this website I discovered that tribal laws are illegal and furthermore in Pennsylvania they are an unlicensed lender and unlicensed lenders in PA are subject to a 6% interest cap. I emailed Elissa Chavez as well as custserv@cashcall.com on 11/30 a letter that I found on this website stating that I had a loan with Western Sky that had been transferred to Cash Call and that it was an illegal tribal loan as well as a loan that is illegal in PA and that I was revoking ACH authorization per Federal law, Regulation E Section 205.10 Preauthorized transfers (as well as revoking voluntary wage attachments). I let them know I would be closing my bank account they had on file. I also told them that the only authorized communication with me would be via US mail or email and not to call my place of employment or references on the application. I did state that I was willing to pay the principal balance only of $1643.58 ($2525-$881.42 paid) but only if they provided me a mailing address to do so etc. I also let them know I was filing a complaint with the PA AG and FTC as well. To this date I have not gotten a reply from them other than a generic email that stated Your scheduled payment to CashCall, Inc. set up through automatic debit in the amount of $294.46 was returned unpaid by your bank. Pursuant to the CashCall Promissory Note and Disclosure Statement, (Note), a returned item fee of $29.00 was charged to your loan.. They tried the automatic debit on 12/3. I had already revoked ACH transfers on 11/30 and I had placed a stop pay for cash call with my bank and I am in the process of closing my account. So what do I do now? They have not started the calls yet but since they have ignored my emails and faxes and to this point I assume its only a matter of time before the calls start. I also filed a complaint with the PA department of banking but the reply I got for them that while loans of that type were illegal in PA, the lending company is claiming Sovereign Immunity therefore the PA Department of Banking has no regulatory reach. They recommended I file a complaint with the Consumer Financial Protection Bureau which I did and now have a case number. I have filed the complaint with the PA AG but no reply yet. I want to file a complaint with the FTC but I am not sure what heading to put it under. Are there any other complaints I should file? Any other steps I should take? I was in very dire straits when I took out that loan and I had no other choice, I just want to take care of it and pay the principal. This forum has been very helpful and has already helped me deal with Mobiloans (complied with ACH revoke and communication, waiting on payment plan for principal) as well as Plain Green Loans (also complied with ACH and communication request, and settled for just the principal), now I just need to take care of Cash Call. Thank you all so much. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 payday loans which are 300.00 and 450.00. The service charge is 30.00 per 100.00 borrowed. What is the best solution for reducing or eliminating these fees?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I started getting calls from 714-935-1955 -shows WS Associates on ID, on around the 5th of Dec... Not sure who they are - I have tried to call back and it has you enter your phone number and then asks for a PIN or press something else to leave a message.. I have researched online and only found a insurance company in CA with the same name, and number is off by one digit - 714-935-1956?? Thought I would see if anyone else had gotten calls from them? I am dealing with WS/CC -- thought it may be related? http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Going to put this on here also -- so others can see -- This happened the day before the site went down tried to post then, not sure if anyone got to see, so I am going to put back out.. I know it is long, but trust me interesting to those of you who are getting calls from them.... I have been going back and forth with them for several months: I got home last Thursday the 6th, and seen that they had called yet again, so I shot off this email to them, my base email with this addition: I have sent several emails to your company trying to get this matter resolved, maybe we can get this resolved this time? Also, I feel this is a good time to again remind you that any and all contact is to be made through email or U.S. postal mail only, I prohibit you or your affiliates from contacting me via telephone at my home, my place of employment, or my cell phone. I also prohibit you from calling my references listed on my loan. I know that you know this since you, yourselves have stated that my account is in a cease and desist status since this email from you on 10/2/2012 - Dear Customer, Thank you for your correspondence. I have received your email request to cancel the auto withdrawal on your loan. Your request has been processed effective today. Please keep in mind that your due date is the 1st of every month. Your account has been placed in a cease and desist status. All communications from CashCall going forward will be communicated in writing through mail or email only. I have also sent a Permissible letter to your email and home address this should answer all of your concerns. Have a great day. Thank you, Nikki Carmody, Customer Concerns Representative, Customer Service: Phone 877-525-2274 So there for I am not sure why I am still receiving phone calls as of yesterday 12/5/2012 at 6:20 pm from CashCall - from phone number 877-525-2274, also received calls on 11/12, 11/14, and11/20 . Do I need to report these calls to the FTC, for violation of a cease and desist? With in moments I received this back: from their Dispute Resolution Department - now the only two things I did different from the last 15 emails to them was mention the FTC and copied WS themselves in this email..According to our records, CashCall has not made any calls to any of the telephone numbers we have on file for you since May 5, 2012. Additionally, CashCall updated your account on October 2, 2012 to ensure that all communication would be in writing only, per your written request to do so. Please confirm the telephone number(s) for you that were called so that we may investigate this matter further. If you would like to discuss settlement arrangements for your account, you may call us at (714) 221-3300. Sincerely, Dispute Resolution Department I sent them the number to see if they would then blast me with calls, Dispute Resolution Department, I have received calls on my house number xxx-xxx-xxxx like I stated on the following dates - 11/12 at 1:10 pm, 11/14 at 3:36 pm, 11/20 at 3:47 pm, and again yesterday 12/5 at 6:20 pm. Please, advise on this matter. I am willing to discuss settlement arrangements on my account again via email only, will not play this he said she said game. Send me your proposal to resolve this matter and we can go from there. which doesnt matter since they are blocked And again in mere moments Thank you for your quick reply. That is not a telephone number we have listed for your account. We will investigate the call times and dates you have listed and will respond to you shortly with our findings. Sincerely, Dispute Resolution Department Of course since the 6th I have seen nothing from them at all -- other than another of the modification letters.. I did notice on those however that they are stating my so called balance with them as the same on all three letters - even though they are dated, 11/2, 11/19 and 12/5.. I found that interesting.. I guess we will see what happens next...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I went to court with apothaker and assoc over a credit card. we came to a payment arrangement . I defaulted on that payment. can they garnish my wageshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ White Hills Cash Great Plains Lending Advantage Cash Services What can I do? They are draining me!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 4 outstanding internet payday loans; the finance charges are being deducted from my bank account every pay period and as a result I am getting behind in my other bills such as my car, student loans etc. I have read alot on this site about these loans not being legal. At the time I took out the loans I lived and worked in CA, I now live and work in AZ. I just recently closed my bank account and opened up another one with a different bank. What should I do next? Below is a summary of the loans... OneClick - borrowed $300 (paid to date $625) Castle Payday Loan (Red Rock Tribal Lending) Borrowed $500 (paid to date $1301.25) Bottom Dollar Payday Loan - borrowed $400 (paid to date $694) My Next Pay Day - borrowed $500 (paid to date $225) Any advice on how to get rid of these loans is greatly appreciated! Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Mississippi, and I have 5 payday loans. 3 internet and two store front. Can someone please help me, tell me what to do, its killing me, Im about to lose my house cause all my money is always gone. Here are the companies I have the loans with: Advantage Cash White Hills Cash Great Plains Lending and 2 at Alabama Title Pawn (unsecured, they do not have my title) I am in desperate need of help fast!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey has anyone ever had a loan from spot on loans? I borrowed $400 from them and ive paid back $120. They are saying i still owe $530. I have recently found out that pay day loans are illegal in NC thats where i live and i contacted the company about that stating i would only pay back the principal amount and they stated they were not a payday loan company. Im kind of confused now. Im not sure how to respond. Any suggestions?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I need to know if I cancel the DMP that I am on can I still make an agreement with the creditors to keep the APRs and payments the same? If so what steps would I need to take? Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there, I have an outstanding loan with Cash in a Wink. I live in Ohio. Loan was for $400 Paid back $788 so far. I closed my account, sent them a ACH revocation letter, send letter asking to only communicate through email or US Postal service, as well as asking for a refund. They keep sending me emails saying they will only communicate on the phone. They also keep sending me texts threatening to call my HR as well as numerous phone calls throughout the day from different 1-800 numbers. Any advice on how to handle them or what my next step should be would be great. Thank you http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive had my cellphone disconnected and visa account closed 5 years ago because I payed zero attention to my phone(I thought the credit card would pay itself through my chequeing account). When Telus gave the debt to a collection agency it was about 900$, now I think the outstanding balance is $2100 im not sure, I do not know how to read this Equifax credit report. Can they build up interest on debts? should I try to pay it? should I wait for the SOL? I am just really stressed out and do not know what to do so if the community could give me any advice I would be grateful. I live in Edmonton, Alberta, Canada.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hey has anyone ever had a loan from spot on loans? I borrowed $400 from them and ive paid back $120. They are saying i still owe $530. I have recently found out that pay day loans are illegal in NC thats where i live and i contacted the company about that stating i would only pay back the principal amount and they stated they were not a payday loan company. Im kind of confused now. Im not sure how to respond. Any suggestions?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ when a debt collector calls and you ask for a dunning letter. does e mail count or does it have to be thru the mail.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in the state of Maryland. How do I know whether they are illegal payday lenders or not. Qxlonline, Ameriloan, Cash Web Usa, And Cash Net USA. They are all thru the internet. I need help on how to go about paying them off.... They are causing my account to iver draft.... HELP!!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in the state of Maryland. How do I know whether they are illegal payday lenders or not. Qxlonline, Ameriloan, Cash Web Usa, and Cash Net Usa they are all thru the internet. i need the best advice possible as to what to do next??? they are causing my account to over draft..... HELP!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a joint account with another person and a levy was filed against him.He does not use the account at all and it is quite obvious whose money is in the account. It says Randy;s Social Security Disability check, and Randys payroll deposited. That is it for the months. Two payroll checks and my SSDI. They took all the money and I dont think that is right. That money is that account is all mine and it says so. Well we got the situation straightened out and the money was put back into my account but the bank took $100 dollars for legal frees for this person. Again they took my money to pay for his levy. I dont think this is fair nor do I think it should be allowed. I was never notified by the bank of any such action not even a phone call. I don,t understand how they have the right to take another persons money, it just doesnt seem right. I would think that the bank would have to do some kind of accounting to see what is rightfully yours. Do I have a legal obligation to pay his legal fees? I wrote to the bank and asked for the $100 dollars back but no answer yet because I told them I am not pay for someone elses levy on the account. It was not for me so find a way to take it from his other account that soley has his name on it. Thanks for your time and cooperation in this matter Regards Randy Eckhardthttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello i want to ring you in on a fact. The expert is lieing to you and those around you. I am hear to stop him and to stop you. If you follow this advise you can end up where i went. A downtrend to jail and sitting in a cell. Many weeks ago i had so much money. But i was burgalered in the alleypath by the criminal. He took my money and put his wong in my arm. This was my violaten. I cant tell my wife so I going to the social adviser. But this cost me so much money so i went to the bank. The banker tell me hey heres your loan and he put his wong in my ear. So i tell the social adviser. He say sorry you are violated so much my friend but cant help you since you dont have no money. I am jigpuzzled. I chouse to go to the lender. He say hey my men here is some loan for you my men. I am now set for the time been. But i run out of mone. I get violate again so need to buy more social adviser. This was judgement day for me. Go to the social adviser and no money or dont go and money. i decide to take out nother loan at the lender. But this time i cant pay it back. I go to the search for help . SOme expert in the internet tells me hey dont pay it illegal. This was the wrong decision and was the end of my time for this reason. I am at the social adviser office , head out when there is sirens roaring. It was the legal enforcer. He said you are under arrest for CRIME: 1. THEFT BY CHECK 2. THEFT BY VIOLATION 3. THEFT OF THE LAW 4. ROBBING FROM THE BANK 5. DISOBEY YOUR BANK 6. MAKE THE JOKES OUT OF THE BANK 7. THEFT BY BANK 8. SNEAKING AROUND 9. FAIL TO REPORT RAPE 10. THEFT BY A VIOLATION 11. HIT AND RUN I was put in cuffs and carried to a cell. I woke up and they bring my wifes in two. They bouth look at me say why did you not take care of the debts. Now we are in cuffs because you failed to do this . I say sory. Legal enfocer says hey you want your wifes to get out of the cel. I say yes. He make them sex each other with the tools to intoxcate him. I am sadd by this and anger. Then he make them spit on my ears. This was judgement day. I was taken in cuffs to the court to face the judge. Judge says do you guilty. I say i am guilty of only CRIME 5. disobey your bank CRIME 8. sneaking around judge say you guilty of all. The circumstances now befall you. He is going to hit his gavil when the sheiff comes in. Says hey judge we got a call for you. Judge goes to take the call and the sheriff goes to me says come on we are leaving. I go along . Sheriff says he is a fellow deadbeat and was sen by the order to free me. The order has entered the COURT HOUSE, killed all the members of the services. All are dead. I am taken away by the order and we go on to train to retalitae inside of those who make us pay our debt. AFrter all why should we pay our debts like normal american family not piece of trash we are special exemptions so we dont gotta pay right?? We go to the constabularly office, kill them all. My friend sheriff deadbeat shoot all. But a note fall from the shafts. Says one word The circumstances will befall you now that you have not taken care of your debts, good luck in them - The Collector. I am not sure of the circumstances now. Lesson learned, pay your bill or hope a fellow deadbeat in the sheriffs department.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Help I have 3 payday loans one from Bottom dollar payday -initial borrow $500 / have paid 450 so far and pay off amount is 650 it shows on my checking account as silvercloud_fin but to email its usamoneyshop initial borrow 600 - have paid 537 so far and 675 to pay off qxl online borrowed 200 - have paid 632 so far 279 to pay off I live in kentucky and I need help http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive cashed in my DTCC points, but I still dont know how am I suppose to get payment for these. Can someone please explain. I have read the other post regarding the cashing in but I didnt find anything that actually says how you get paid. Please advise. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My daughter lives in Virginia and pulled up her bank account today and noticed her bank account was garnished. About three years ago her boyfriend added her to an apartment lease because he stated the apartment required her name to be added since she was visiting him over 50% of the time. When he failed to pay the rent, the apartment terminated his lease. About 8 months later my daughter received a notice from the apartment that she owed $900 for unpaid rent. She never received a summons for the bank garnishment and so far they have taken about $1300 from her account. Her exboyfriend stated that he received a judgement of $1,200 and did not understand why they were garnishing her bank account. Obviously, he did not pay the judgement so they are now going after her. Can she stop the hold on her account and can they go after her wages?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have loan with cash call originated with ws. i have spoke with someone twice about a month ago and told them there would be no more payments. owed 1000.00 have paid 1900.00. i have ignored the 1000 phone calls. want me to email them about deferred payment, should i reply with email or just ignore it . thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ An old hospital bill that has been put in for collections was for my minor child. She has now turned 18 , do they have the right to put that on her credit report against her since she was 14 and a minor when the bill originated?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ An old hospital bill that has been put in for collections was for my minor child. She has now turned 18 , do they have the right to put that on her credit report against her since she was 14 and a minor when the bill originated?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ill keep this short since I posted in the forums before on this same subject - this is an update and new question though. I have been going back and forth with Cash Call/Western Sky for 2 months - involved the FTC, CA Attorney General and SD Attorney General. I paid back the principle plus some interest (about $1250 on the actual $1000 loaned to me) - and am refusing their request to pay more based on the forums here, and the lawsuits in MD, WVA and CO (and recent complaints in WA and Florida), and the FTC - all of whom won in court - and found that Western Sky has no sovereign immunity and is thus subject to state laws regarding licensing, lending and interest rates. Today I received a letter from the SD Attorney Generals Office, with a copy of a letter from a Western Sky attorney -- saying the loan was valid as I signed the contract (agreeing to pay 237% interest) and blah, blah, blah, and that they are a legitimate tribal lender. I guess I am wondering what to do next. They seem to be pursuing this, and the AG in South Dakota seems to find it all OK - though I know they cannot provide actual legal advice. Dont you think they would know, however, if Western Sky was in fact a legitimate tribal lender - or was predatory and illegal given that it is a business in their own state? Of course, Western Sky never answers my questions, nor does Cash Call, regarding the issue of sovereignty, nor explains how their offers to help me - which lower the interest to 80% but extend the loan term by 10 months - actually do. I’m not even actually sure that anything further is warranted. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a nasty nasty call from someone at TRS. When I requested something in writing via US Mail she got all sorts of crazy... I told her to not call me ever again and hung up. She immediately called back and asked to speak to a supervisor or HR dept. I told her I had neither and hung up. I cant believe these people are a legitimate CA. And the funny thing is the company she was calling in regard to I had sent an email with a repayment plan and they never responded at all. I did receive an automated email saying thank you for your payment in full. So I assume they attempted to debt my account and I dont have one. Any advice on how to deal with this crazy woman. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can someone tell me if this is a scam, or if this is from Advantage Cash Services? DUE AMOUNT- $786.69 LOAN COMPANY- ACS Incorporation You are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE: (1) VIOLATION OF FEDERAL BANKING REGULATION (2) COLLATERAL CHECK FRAUD (3) THEFT BY DECEPTION (4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorneys fees, and the interest charges. You have the right to hire an attorney. If you dont have one or if you cant afford then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1-408-837-0077 from 9.30 to 6.30 (EST). IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON +1-408-837-0077 UNITED STATES OF ATTORNEY Copyright © 2006 ACS | Privacy | Terms of use ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Confidentiality Statement Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. -- Best Wishes Scott Wilson Sr. Investigation Officer (Department - Lawhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ 1. Archer Direct 2. Internet payday loan 3 My resident state is Missouri 4. $600 (2 $300 loans) 5. Total paid to Archer Direct is $1,200: 1st loan - total paid $750; 2nd loan - total paid $450 6. Emails, telephone conversations, I have sent certified letters, have left voice mails. 7. I have been in contact with the Missouri Division of Finance. Even if Archer Direct was licensed in Missouri, which they are not, the total I would only have to repay for a $300 loan is $450. I have paid what I legally owe. They still continue to harass me. These are the phone calls theyve made to my cell phone. They have left messages for me at work, even though I had asked them to stop. Eventually they did, but continued to call my cell phone. Number as it appeared on caller ID / date and time they called 866-518-5276 06/25 @11:00 a.m. 866-518-5276 06/28 @ 4:44 p.m. 866-518-5276 07/05 @ 9:22 a.m. 866-518-5276 07/10 @ 11:37 a.m. 866-518-5276 07/13 @ 12:31 p.m. 866-518-5276 07/18 @ 12:48 p.m. 866-518-5276 07/20 @ 10:54 a.m. 866-518-5276 07/24 @ 12:47 p.m. 866-518-5276 07/27 @ 1:32 p.m. 866-518-5276 7/31 @ 3:41 p.m. 866-518-5276 (I called them back and left a message with Andrea on 7/31 @ 5:47 p.m.) 302-339-8584 8/14 @ 5:24 p.m. 302-339-8589 8/14 @ 5:38 p.m. 302-339-8589 8/16 @ 11:59 a.m. 8/16 @ 4:20 p.m. 302-349-7041 12/01 @ 2:27 p.m. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello all, brand new here, I lurked for awhile and decided I had enough with the lenders and fees eating my paycheck every 2 weeks. Thought I would post here for advice. I have some online payday loans and I am curious to know which ones are legal and what I owe them. I live in Ohio QXLonline.com : Borrowed $200, paid $711 MyNextPaycheck.com : Borrowed $350, paid $210 Payment Direct: Borrowed $200, Paid $3,204 Blue Star: Borrowed $200, paid $801 Plain Green Loans: Borrowed $1000, paid $1,430 Magnum Cash White Hills Cashhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 payday loans, one with netcredit for $600, one with mobiloans for $500 and one with Great plains for $1300. I have been caught in this trap for months until finally it gets too high of a payment and I have to beg borrow and steal to pay them down, only to end up at the same place weeks later. I am in Wisconsin and I believe we are not protected at all and payday lenders can do what they please here. Is there any advise someone could offer? I also have a western sky/cash call loan i took out to get out of this and still ended up with the same problem again!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Posted question last night I dont see it posted anymore.when I got on this morning all kind of red print at top something about line 51and55.what does this mean http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 8 PDL online loans and a cashcall loan. i cant continue to pay these off. they took all of my last paycheck. i need to find a reputable consolidation company, but after all this, im scared to even try! pleae help!!! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am wondering if anyone has successfully dealt with Spot Loan, former Zest Cash? About 2 months ago I closed bank account, notified Spot Loan that I had overpaid, and was no longer sending payments. I have only been notified a couple times from them, but did receive email yesterday from fraud specialist asking me to call them and get payments set up. I keep ignoring them. So has anyone actually ever gotten them to write off loan that is paid in full, due to them being an illegal tribe lender?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have followed the information I received on here on how to deal iwth PDLs. I have taken the steps and closed my bank account, notified my employer, friends, family etc. I have received three emails back. One from Plain Green Loans, one from Great Plains Lending, and the last one from Cash Call/Western Sky. Cash call is bombarding my phone with calls and have now starting this afternoon called my job. I told them they are not to call me job. They told me it is my responsibility to call them and work out a payment. The jist of my email was that my loan for $1000 is paid in full. They have debited my account with 6 debits at 198.18 each. Plus I had paid off a previous loan through Western Sky. The first loan was for $1000 dollars also. Plain Green and Great Plains have only sent me back an email requesting a payment but both of them are considered paid in full as well. I have not heard anything else from them as of yet. How do I handle Cash Call/Western Sky?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know anything about Payday Mobility they do not have a website that you apply on. they call you and you apply over the phone. Are they legal in North Dakota? They have an address that is in Delaware.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I live in california and Im currently having hard time paying installment and payday loan. I didnt default yet but Im getting to the point where I cant even afford my rent. Can any you please give me an advise as far as how can do it on my own instead of going through some company to consolidate my debt? I have CA Check Cashing- store front loan - - I took out $2600 and paid them $5044 for 14 months now. Checkngo- online about a year $3000. I paid it off and kept renewing it. Mobiloans- $600 off then renewed again. So $670. Thanks.. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is going on with this forum?? Has the site been hacked??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ jqcr a href=http://okbeatsbydrecheap.comBeats Headphones/a utit http://okbeatsbydrecheap.com ircw zekt a href=http://beatsbydresalesok.comBeats By Dre Sale/a oatu http://beatsbydresalesok.com uaho ljnl a href=http://okbeatsbydreus.comBeats By Dre Headphones/a znwv http://okbeatsbydreus.com pgmw uhgp a href=http://salebeatsbydreoutlet.comCheap Beats By Dre/a tyhj http://salebeatsbydreoutlet.com srlmhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a phone call about two weeks ago from NCS Offices (1-855-756-2615), claiming to court summons me, unless I make an agreement of a settlement. The settlement is for a payday loan from Mass Street Group, I got a loan for $200 and NCS is wanting to settle for $320. I set up a payment plan with them of $50 every two weeks, I live paycheck to paycheck and I ran a little short and contacted them about possibly lowering my payment plan to prevent this from further happening. The paralegal handed the phone over to the lawyer who was extremely rude and belittling towards me and making threats that if I did not do the full payment plus a payment $100 in the beginning of January, they were going to cancel my settlement and sue me. I have an email on December 3rd from Mass Street Group stating my loan was sent to collections (it has only been one month since I stopped being able to pay on it, but was planning to pay it off in February), the collections name they gave me was National Credit Adjustors (1-866-660-1626). Why would they automatically threaten a court summons? Arent they supposed to attempt to collect the debt from me for a while before doing this? Ive read in many places that this is a scam, but Im not sure. When you call either number the message comes up as: In the event that you have recently been served a court summons in regard to a lawsuit from this office please ask to speak to someone from the legal outsources department This an attempt to collect a debt any information obtained will be used for that purpose. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Dear All You must have noticed that the architecture of DebtCC has been shifted to Drupal. We are shifting the architecture part-by-part sections. You may find some errors in the initial days. For instance: you may find some data missing. Our database system is not yet completely updated. This issue will be resolved after a few days. Please dont panic if you face other problems. Shoot a mail at jason@debtconsolidationcare.com. State the problem youre facing. We will notify our technical department about it. We know that there are some bugs. Out technical department is working to fix them. Hopefully, the whole architecture will become stable by the end of the next week. This is a new architecture. So, some problems will be there. Please co-operate and bear with us. Our technical department is working very hard to make the website error free. Please note: If you face problem to login into the website or to log out from the website, then please clear your browser cookie. Hopefully, the issues will be resolved. Looking forward for your co-operation. Jasonhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Whats going on with the site??? it seems really messed up.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I cannot read the posts they are not showing up completely..I cannot find the search bar..Have we been hacked or is it just me?? HELP! http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I created an account yesterday and asked questions about northway funding and also disclosed their new aka as TAXI CASH AND now my account is not active?! create way to help us i see….http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Anyone ever heard of Revenue Recovery from Knoxville, TN? This is a collection agency who collects medical..They had an attorney send my son a letter today. I think she is their in house attorney. The letter said he needed to respond within 30 days, How should I deal with these people? Call the original creditor? And do you think they would deal with him..I had heard these are nasty ppl to deal with..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Sorry this is posted a Anonymous but I did register for the website as MattG73 but its not recognizing me. When I try and re-register it says that email address is already taken. Anyway... On 8/1/2012 I received the $2600 loan ($2525 deposited) from Western Sky. A few days later the loan was transferred to Cash Call (go figure). I have paid a total of $881.42 in three payments to date but I cannot afford the payments of $294.46 any more. After finding this website I discovered that tribal laws are illegal and furthermore in Pennsylvania they are an unlicensed lender and unlicensed lenders in PA are subject to a 6% interest cap. I emailed Elissa Chavez as well as custserv@cashcall.com on 11/30 a letter that I found on this website stating that I had a loan with Western Sky that had been transferred to Cash Call and that it was an illegal tribal loan as well as a loan that is illegal in PA and that I was revoking ACH authorization per Federal law, Regulation E Section 205.10 Preauthorized transfers (as well as revoking voluntary wage attachments). I let them know I would be closing my bank account they had on file. I also told them that the only authorized communication with me would be via US mail or email and not to call my place of employment or references on the application. I did state that I was willing to pay the principal balance only of $1643.58 ($2525-$881.42 paid) but only if they provided me a mailing address to do so etc. I also let them know I was filing a complaint with the PA AG and FTC as well. To this date I have not gotten a reply from them other than a generic email that stated Your scheduled payment to CashCall, Inc. set up through automatic debit in the amount of $294.46 was returned unpaid by your bank. Pursuant to the CashCall Promissory Note and Disclosure Statement, (Note), a returned item fee of $29.00 was charged to your loan.. They tried the automatic debit on 12/3. I had already revoked ACH transfers on 11/30 and I had placed a stop pay for cash call with my bank and I am in the process of closing my account. So what do I do now? They have not started the calls yet but since they have ignored my emails and faxes and to this point I assume its only a matter of time before the calls start. I also filed a complaint with the PA department of banking but the reply I got for them that while loans of that type were illegal in PA, the lending company is claiming Sovereign Immunity therefore the PA Department of Banking has no regulatory reach. They recommended I file a complaint with the Consumer Financial Protection Bureau which I did and now have a case number. I have filed the complaint with the PA AG but no reply yet. I want to file a complaint with the FTC but I am not sure what heading to put it under. Are there any other complaints I should file? Any other steps I should take? I was in very dire straits when I took out that loan and I had no other choice, I just want to take care of it and pay the principal. This forum has been very helpful and has already helped me deal with Mobiloans (complied with ACH revoke and communication, waiting on payment plan for principal) as well as Plain Green Loans (also complied with ACH and communication request, and settled for just the principal), now I just need to take care of Cash Call. Thank you all so much. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I know they are a scam but how do I get them to stop calling me? I get several calls a day, I block their numbers but sometimes they call my parents looking for me. The last time they have called from 1-443-478-3961 and requested i call a 855 number. The first time i called i told them they are not legit and i need proof if i owe a debt, he threatened me and hung up. Do i just need to change my number? If i change my number how do I get my disconnect my association with my parents house number. http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a credit card that was charged off in 2007 for 750.00 but looking at my credit report its says 2370.00, why is it so much now? Also starting last night Allied Interstate is calling me about this debt all of a sudden and it shows the account was updated on credit as of 12/06/2012 can they still be contacting me about this debit, should I try to settle the accout of what should I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I do have another question. My friend has a loan from Western Sky. It was then transferred to Cash Call. It is a $10,000 loan. She has already paid $4600 and they say the loan balance is $10700. Is there a way for her to get out of this? I have read arguments both ways. Any success stories? Tips? Anything? I read a letter that they sent after somebody tried to say they were only paying principal. Western Sky, actually cash call, said the contract said that they were bound by reservation rules, blah blah and so they still had to pay. What would your answer be to that? Please help!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I do have another question. My friend has a loan from Western Sky. It was then transferred to Cash Call. It is a $10,000 loan. She has already paid $4600 and they say the loan balance is $10700. Is there a way for her to get out of this? I have read arguments both ways. Any success stories? Tips? Anything? I read a letter that they sent after somebody tried to say they were only paying principal. Western Sky, actually cash call, said the contract said that they were bound by reservation rules, blah blah and so they still had to pay. What would your answer be to that? Please help!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello there, Can someone please provide a current number for Arrow Financial. I have tried to contact them with the numbers provided online, 847-557-1105, 847-557-1100, and fax# 847-647-9526, 847-647-1215, via mail, and I can not get anyone to talk to!! I need to talk to someone ASAP!! please e-mail me: mvelez0519@yahoo.com with the correct contact #. thanks, Michellehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am wondering if anyone has successfully dealt with Spot Loan, former Zest Cash? About 2 months ago I closed bank account, notified Spot Loan that I had overpaid, and was no longer sending payments. I have only been notified a couple times from them, but did receive email yesterday from fraud specialist asking me to call them and get payments set up. I keep ignoring them. So has anyone actually ever gotten them to write off loan that is paid in full, due to them being an illegal tribal lender?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Oregon and had gotten some online loans from a few different places. After getting help on this site, I decided to close my bank account and send email letters to the companies that I copied from this site. Yesterday I got a call at work from a company called NCS with the number 855-751-4633. They said they were a legal department of some kind and that they were going to serve me papers. They gave me a case number and said they were representing Anasazi Group (a place where I did receive a $250 payday loan). They said that they would press charges against me for fraud and serve me papers unless I paid them $430. It seemed so real and I was so scared that I set up a payment plan using a prepaid credit card. My first payment of $107.50 is supposed to go through this coming Monday. She said the call was recorded and I verified who I am. Now I feel so stupid for having fallen for their scare tactics. What should I do? Should I go ahead and load my prepaid card with money since I verbally agreed to that? Or should I let them know that I wont pay them and that they cannot threaten me? How do I get them to stop calling my work? Thank you for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got an email response one day from a guy named Harlem Walker Indicating that he works for Fast Track Debt Relief Services, and is willing to give me a consolidation loan of 5% for $2000 for 2 years. Is this company a scam or not? If you can email me back your response to dho1667@gmail.comhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Since my last question on here there has been a little relief from the my pdl situation.. I am in MA, I filed my revocations, complaints, with AG, FTC, and MA Division of Banks.. In that time, Div of Banks sent cease and desist letters to all the pdls since they are illegal in this state. And I had already overpaid them... US Fastcash is continuing to harass me at work.. Also the AG in MA has a mediator program and I have been working with the mediator handling my case.. He told me that 2 of the 4 pdls have written off my alleged balances. He is working on the 3rd one.. But US fastcash they are having problems with.. And the AG told me they have been having significant problems with them in general, violating every law there is.. They are difficult to contact.. Anyway my question is should I email a copy of the cease and desist letter to them as I now have copy of it from the Div of Banks.. Would this let them know they are getting nothing more from me and maybe end it... Any advice would be helpful... thank you...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please help this company is harassing me. I recently closed my bank account since I have over paid this company…and now I am receiving calls and they are saying that they will be contacting my HR dept. I am a resident of NJ, and my question is, can they truly contact my employer in regards to this? Thank you so much!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hi all...TX resident i have 3 pdls.... the cash store (storefront) 800...190 every two weeks) ACE (installment now at 288 every two weeks) Cash central 400....101.54 every 2 weeks this is killing my abiltiy to pay necc bills... any advice?? TXrewindhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ They asked me what I planned to do about my loan that is past due. My exact response was: It has come to my attention that payday lenders must be licensed by the state of NY in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. His reply: Sir, but WE are not in NY My answer: Yes, but I am in NY State so the loans are illegal Then he just started saying Have a good day Sir over and over when I tried to speak more. I tried to slip in Oh, so my Attorney General whom I contacted is lying about this? and he just continued saying have a good day Sir and then he hung up. Could this be a sign that I nailed their butts to the wall? What do I expect next from them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi guys, first of all I want to thank everyone here for their help and advice. I posted a few days ago about my situation with multiple PDLs and would like to give an update: I have sent out e-mails to about half of the companies I have dealt with and have yet to get any kind of reply (other than the auto-reply that says they received my e-mail). Below is a copy of the e-mail I sent to United Cash Loans (as well as the other companies). Please let me know if I have done this correctly or if anything else is missing. Also, if any of these companies call me do I just not answer or do I answer and tell them I know they are illegal in NY and they will not be getting another cent from me? Thank you again for all of your help guys!! In regards to application #: bxxxxxxxxxx/b Dear UnitedCashLoans, It has come to my attention that payday lenders must be licensed by the state of New York in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. To date, I received a deposit of $300 on 6/22/12, and have had 2 withdrawals of $90 (on 7/13/12) and $390 (on 8/10/12) debited from my account ($480 total). I also received a deposit of $450 on 10/2/12 with 2 withdrawals for $135 each on 10/26/12 and 11/9/12 ($270 total). Since I overpaid my amount borrowed for the first loan by $180 and underpaid my amount borrowed for the second loan by $180 it appears as though I have satisfied what I am LEGALLY obligated to pay back to you per NY State Law. At this time I am requesting a return email acknowledging that my loan has been paid in full mailed to me at the address you have on file. I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied in full. Thank you for your anticipated cooperation, xxxxxxxxxxhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 loans with Speedy Cash/Rapid Cash (AKA SCIL Texas), located in Kansas. I am located in Texas. Im trying to determine if they are a CSO or a PDL. In my paperwork, it says they are a Credit Access Business (CAB) and say something about being registered or licensed in Texas. Has anyone ever heard of this? The total of my loans is $1258.21 (principal and fees). I have paid the re-finance fees for these loans every month for the past 12 months, in the amount of 258.21 for a total payment of $3,098.52. Basically, Im confused about the rules in Texas. I think from my research that loans can only be re-financed 4 times (though I could be mistaken) and I have done it 12, so far. But since I cant even determine if they are a PDL or a CSO, Im not certain of the rules. I would like to be before I contact them. Please help!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I need some advice on how to negotiate with payday lenders myself. I do not want to close my bank account, and I do not want to pay a payday consolidation company. I know I owe the principal on these loans, but a couple of them could be illegal, and if so Id like to find out what I can do and how I should word any letters/communication with them. What I have is the following: Plain Green - $2100 - have made 5 or 6 payments of $129 biweekly. Balance owed is $1989. CashCall - $2525 - have made monthly payments of $294 since March 2012. Payoff as of today is $2870. First America Credit (line of credit) - $1100 - make payments biweekly of $125. (have only made 1 so far) Responsible Loan - $500 installment loan - $75 interest fee - but I just chose the payment plan option (8 biweekly payments - adds another $300 in interest) MyCashNow - $1000 personal loan - 6 biweekly payments of $265 - have made one payment so far. PayDayOne - $1500 - interest of $187.11. Have not made a payment yet, first one is due 12/14. I think most of these are legal in Texas, except for possibly First America Credit and MyCashNow. Not sure about CashCall. I have history with all of these companies. I would like to communicate with them and work out a lower payment so that I am not strapped for cash. I am currently paying @ $1600 a month towards these loans. If this continues, I will have to get other loans to just stay afloat. Due to a divorce a few years ago, my credit score plummeted when I was unable to pay some credit card bills, and I have student loan debit which is current and paid on time. But my credit score is extremely low, so I can not get a loan to pay these off, thus I need to negotiate with them. I am not trying to get out of paying for them, I just need some advice on the best route to take in contacting them to ask for lower payments, or possibly monthly payments instead of biweekly. Ive read that CashCall is the most difficult to deal with. Ive actually worked out a payment plan with PayDayOne once, several years ago. And advise would be greatly appreciated. Thank you, TexasMomhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in NC and defaulted on a payday loan to Paradise Cash Advance. I havent heard from them in over 6 months. Now there is a collection agency calling saying they are going to sue over a fraudulant check. they say because i gave my routing and account number for this payday loan that because i cant pay it, it is considered a bad check and they are now going to sue me. is this possible and what can i do if it ishttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Gurstel Chargo is suing me on behalf of the Todd Company ( I believe they own that LLC0, for a debt that suposidly started with US Bank NA. I only got one letter from them. I called to ask them questions about the deabt as it was all news to me. I was told that unless I gave them answers first to their questions they would not talk to me. I did give them my name and their account number. They wanted some very personal information. But as they would not respond to anything I asked, including their bar number. I would give them no info. So the conversation went no where. Months later I am being sued for 4,000.00 plus. I filled a response/answer ( professional prepared for me). The court set it for mandatory mediation within about 20 days of my answering. Gurstel Chargo arranged to appear by phone. However they never called and the Mediator closed the mediation and noted they were a no show. I do not have a clue about this debt and made that clear in my answer. So now what do I do that they no showed?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Well, I had success with Plain Green Loans. Got my PIF Email from them just now. Happy, but was wondering how I should proceed with a refund. I had paid them [COLOR=black]span style=font-family:Arial $b2749.60 on my $1400 loan. Any help or advise would be appreciated. /b/span[/COLOR] [COLOR=black][FONT=Arial][/FONT][/COLOR] span style=font-family:Verdana Your correspondence has been directed to me for review./span span style=font-family:Verdana We are sorry you are not satisfied with your Plain Green Loan. After reviewing your account history, we are willing to consider the account paid in full and will close your account from further activity./span span style=font-family:Verdana To further clarity your questions regarding the legality of this loan, Plain Green is organized under the laws of the Chippewa-Cree Tribe of the Rocky Boy’s Indian Reservation of Montana (“Chippewa-Cree”). Plain Green is owned by the Chippewa-Cree, and operates exclusively on land owned by the Chippewa-Cree. As such, Plain Green stands as an “Arm of the Tribe,” in the view of the United States state and federal courts. Therefore, loans made by an arm of a sovereign Indian nation are not subject to state law. This is NOT a payday loan./span span style=font-family:Verdana This letter is written to help you understand that Plain Green and its loan contracts are governed exclusively by the laws of the Chippewa-Cree. /span span style=font-family:Verdana Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. /span span style=font-family:Verdana Thank you again for your time and consideration./spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im in CA and I have taken out loans I am in over my head! trying to keep up told cash call Im filing 13BK but i still have cashline and cashnet USA ,do I need to inform them now or keep struggling to pay? Im a single mom who made a lot of poor decisions to help my kids and try to survive and paying for it now, I want to know if they can attach my new acct,I talked to a company called payless financial group who said they coud help but I did not sign a contract after reading your posts on here, i closed my previous acct to stop the ACH from going through at my atty request but I am worried about wage garnishmentshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Do PDLs affect my income:debt ratio, my credit score, or even show up on a credit report? I am in the process of taking care of them (I am in NY and am sending out the letters, etc about them being illegal). When they call me do I just tell them that I have found them to be illegal or should I just ignore the phone calls? Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Thanks to everyones help, I have just calculated the amount Ive paid on my loans and sent the revocation letters. Turns out that Ive overpaid United Cash Loans by $830. In the letter I emailed Ive asked for a refund to be sent to me. My guess is, well, pigs might fly before I see that refund. Anyone have luck getting a refund from United Cash Loans?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I currently have PDLs with the following : United Cash Loans White Hills Cash American Web Loans Cash Direct Express Sure Advance Great Plains Lending Service Ameriloan Bottom Dollar Payday USA Money Shop Western Sky/Cash Call Hydra Fund IV I live in NY and now realize these are illegal correct? So far I have taken the following steps: Closed my checking account associated with all of these PDLs Contacted the Attorney General and they said they will be sending me a form to fill out for all of these PDL companies I also called Cash Taxi (whose PDL I paid off in full last week) and told them that since I live in NY the loan was illegal. The woman on the phone told me that since THEY do not operate within NY then it is a legal, binding loan. I was just wondering if I am doing things correctly, what to do next, do I even need to pay the principal on any/all of these or I do I owe nothing to any of them (possible refunds of what I have already paid?) Thank you for any help/advice!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have a link to a website that will show me if Western Sky is legal in South Carolina? Im being told that its not, but I want solid proof before I contact them. Or perhaps someone can tell me who to call to find out if theyre legal. Im kinda new to this whole thing and dont even know where to start. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in SC. I have 2 installment loans right now. One from Plain Green and one from WesternSky/CashCall. Ive had 2 previously with Plain Green and paid them off early and never had a problem. I had one with Western Sky last January and paid it off the first week of February, no problem. It was only after reading a bunch of posts in this forum did I realize these loans may be illegal. I took the Plain Green loan out on 2/1/12 for $2200. Ive made 19 payments of $124.02 so far, which totals: $2356.38. The balance, according to them, is: $1548.31. If I continue with the loan it will be paid off in late August 2013. I cant give exact details on the Western Sky loan because I cant sign in to my account. The password wont work (and I know its correct). I tried requesting a new one but the e-mail hasnt come yet, and its been about 10 hours. But the loan was taken out for $2600 and Ive made 3 payments so far, the forth is due to come out today. The first payment was for $301 and the next 3 were $294, for a total of $1183. I dont know what their balance says but the last time I looked, after last months payment, it was still around $2500. We planned on paying off both loans when we get our income tax in February but if theres a chance we dont have to, that would be a tremendous help considering my husband recently lost his job. So if someone can help me, tell me what I should or shouldnt do, I would be SO grateful!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in California and have gotten myself into the PDL blackhole. I have the following loans united cash loans-$400 fees pd to date $1,020 nothing has been applied to principal vip loan shop-$385 fees pd to date-$1,225 nothing to principal anasazi group-$300 fees pd to date-$720 nothing to principal advance me today-$1000 fees paid to date-$720 nothing to principal plain green loans-$2200 made 2 payments of $137.90 where do i begin to get out of this mess:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello forum members - Ive made a PDL mess and need some advice. I have five outstanding PDLs all from internet providers: $900 from Plain Green Loans. Ive made two payments of $123 $500 from PayDayMax. Ive made two payments of $99 $500 from United Cash Loans. Ive paid off the principle but stuck with fees and the like. Still owe $320. $400 from US Fast Cash. No payments made yet $400 from Ameriloan. No payments made yet. Im happy to pay the principle on all these loans as soon as possible and have paid off loans from these lenders before but the fees are trapping me in a cycle I just cant seem to escape. What are my options? Thanks in advance for your help!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have found this forum sooo helpful! I have been dealing with the awful payday cycle hell for about 2 years now on and off. Right now I am over my head, and need help. I live in Mass, and from what I am reading these loans are illegal and I may have some relief. Here are my online lenders: One Click Cash Loan amount - 400 Paid - 480 Finance fees only (120 per paycheck for 4 checks) US Fast Cash - DBA MNE Services Inc Loan amount - 400 Paid 360 Finance fees only (120 per paycheck for 3 paychecks) 500 Fast Cash - DBA Red Cedar Services Loan amount - 400 Paid 240 Finance fees only (120 per paycheck for 2 paychecks) Itsmypayday - DBA National Opportunity Unlimited, Inc Loan amount - 400 Paid 200 Finance fees only (100 per paycheck for 2 paychecks) cashtransfercenters.com This online lender does not renew loans i have a loan for 800, with 1016 due on 12/6 (next paycheck) I believe all of these online lenders are illegal for Mass residents. Not sure about cashtransfercenters.com, where they dont renew the loan I plan to call my credit union Monday morning and ask about closing my checking account and opening a new one with them. I plan to explain the situation. I want to confirm how to make sure i can get my paycheck on 12/6 which has been direct deposited for a decade. From what I have read it sounds like I need to ask the credit union that they only allow direct deposits into my existing checking account, and absolutely no withdrawls, until I can have my employer change the checking account to deposit my check correct? This is my main concern, because I want to be sure I receive my paycheck on 12/6, if not Im screwed with bills. Also, my plan is to contact these lenders via email with the info that i found on this site about the loans being illegal in Mass I was also planning on paying back the principle on these loans, for sure the cashtransfercenters.com But for the other 4 loans, or should say 3, because one of them has been paid over the principle, but because i have had loans with them in the past and have paid outrageous interest, should I tell them that I dont plan to repay whats left on the principle, because they have received so much money from me on past loans? My other main concern is that they not contact my mother and sister who I have listed as contacts on the loan Am I better off just telling them I will pay off the remaining principle amount, and thats it? And say Ill pay it in Jan? Thanks in advance for any advice!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently live in Oklahoma and I have one payday loan with them. I did my research and found out that Oklahoma requires the lender to be licensed in the state before they can loan. I looked and found out that eastside lenders is NOT licensed in Oklahoma. So I sent them an email and stating this information and also informed them they are no longer allowed to ACH debit my checking account. Here is there response: East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised. East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so. What should I do? Can they sue or legally pursue me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in the same situation that many people,stuck with many interest of online .I have 3 Cash Central ,bSpeedy Cash/b and OneClickCash , .Are they legal in California to deal with loans . Plus a store pay loans store in Los Angeles ,can they send you to court if you dont pay or report to your credit record.Lost my job this week ,single dad and try to get out of this big mess.Please help me ,give me any recommendation,Thank you for any help and your time.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I was having a financial hardship due to my husband losing my job. I took out 4 cash loans on the internet and now I am worried if I am dealing with Illegal lenders because they are charging me outrageous interest rates. Here are the lenders below can anyone help me find out if these companies are legit I live in California 1. mypaydayloan. com principle loan $400.00 paid $240.00 2. seasidepayday.com principle loan $300.00 paid $183.00 3. dollarpremier.com principle loan $500.00 paid $150.00 4. fastnextdaycash.com ( also known as Vista B) principle loan $400.00 paid $480.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am based in Hong Kong and i have finacial problems, how does it work . [EMAIL=jagdeep.sarai@gmail.com]EMAIL REMOVED PER TOS [/EMAIL]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello- I would appreciate any advice on how to settle my debts with these companies - 3 internet 1 storefront. I have read that both cashnet checkngo are legal and cash store operates in my state so Im assuming it is too. What about paydaymax?...I have tried to set payment arrangements for all but paydaymax but still cannot afford to pay all biweekly with the terms extended to me. I am terrified of getting debt consolidation help because the few companies ive spoken with: Christian Debt Relief/PayDayLoanHelpers/AmericaDebtRelief have made me uncomfortable with intial conversation blogs Ive read w/people being ripped off by these consolidators has made me leery. My bank account is currently still open but I will close with the right direction. I just want to know if its at all possible I could have a little more time to pay any of these because $2000 monthly is going to kill me! Cash Store - orig loan amt $1750/owe 1851.47/ paid $1090/ but they want $379 biweekly payments for 10 addtl payments if I cant afford more towards the interest PayDayMax - orig loan amt $660/owe $750.73/paid $240.73 CashnetUsa - orig loan amt $1500/owe $1721.57/paid $674.31/set up to pay $270 biweekly for 6 payments $100 7th week Checkngo - orig loan amt $750/owe $1065.31/set up to pay $177.50 bi weekly 6 times.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Greetings all! I ended up in trouble myslef that I got too many PDLs and now pay too much in fees. I was browsing the forums for over a week now and got some good info./advice as to what to do! I figure they are all illegal so time for bank changes and letters to the companies! here was my bad news accounts- Bottom Dollar VIP loan shop mypaydayloan.com American Web Loan White hills cash thecashline.com integrity advance unitedcashloans castle payday CP investors JD marketing ideal gelt oneclickcash.com sure advance phewww...so thanks for all the info so far. Now I am just waiting to see what comes back and if any of them tell me they are legit..lolhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ 1. great plains lending 2. internet 3 What state you live in- wisconsin 4. How much was deposited by each lender- 1000 i have repaid a few loans prior to this one in full 5. How much youve been debited by each lender (again, if youve had multiple loans, do the math and give us a total) 0.. since finding them illegal i closed my bank account and have wrote an email 6. Details of any communication youve had with the lender- wrote email few days ago about them being illegal and havent heard back yet. my payment is due tomorrow, getting worried. 7. Any additional question(s) specific to your situation - i just want to know how i can not have them contact my work? should i resend a letter again? thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My ex-boyfriend and I have a joint mortgage on my house. He moved out over 11 years ago. I have been paying mortgage ever since. He has a school loan that he has not paid for $21000. Loan is now stating they will put a lein on the house if he does not pay them immediatly but he does not have the money to pay them. Can the company take my house? How will the lein affect me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can a debt collected for a payday loan contact your employer to verify your working and getting paid?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How can I Know which is the Perfect Non-Profit Organization?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ They are claiming they are going to garnish my wages, can they do that? All they have is my employers phone number... I think they are bluffing, my husband is freaked out... Please if anyone has any info I would appreciate it!:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-family:Calibri I am looking into how money mutual works can everybody help me with my list. I???m trying to figure out how many different lenders are connected with them. The commercial claim 100 but they don???t list the names of the companies. I am wondering if any of you have filled out your application with them recently and if you can tell me the names of the companies that have been sending you email advertisements or have offered to fund you a loan. Any help would be much appreciated /span span style=font-family:Calibri Thanks/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 pdls out right now. I live in North Dakota. The loan companies are VIP Loan Shop, Discount Advances and Great Plains Lending. Are these companies legal in North Dakota? Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i would like to know what to do because i have took out a payday loan through north cash and boulevard cash and now they have a person calling me saying that there going to press charges on me because i didnt pay them but they where supposed to take it out of my bank but i am guessing they never did so i dont understand how i can fix this i dont know why they never took there money out of my bank please helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have been getting multiple calls from multiple companies who will not identify who they are with but saying litigation is being filed against me and that i will be served with court papers. now i could potentially have unsettled debt out their with payday loan companies and my question is there a way to find out what i could potentially owe? i was so embarrassed with everything that was happening and dug myself such a huge financial hole that was easier to pretend it didnt happen. but now i am getting these harassing phone calls as well as my parents, and i really want to know who is legitimate and who isnt. i really want to fix my debt.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I been getting several calls CBE group number one day happen to listen to voice mail,they mention about Tami,my ex wife for over twenty years. So knew then no business of my . so i dont answer the call. but they keep calling,I e mail her sister about the matter. What i do just nothing a way to inform the company of the matter not my bill.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ The IRS sent me a message that i owe $742 for a debt that Arrow Financial has cancelled. I dont remember that amount. I settled on my ccs after my business failed. Has anyone had the same problem? i dont want to ask in case the SOL is still pending and they can come back and try to collect even though i dont remember the debthttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I want to revoke my ACH and cannot find contact information for them anywhere. Does anyone have this?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ can a payday loan threat me or have me put in jail over a previous payday loan from years ago. what is my rightshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need assistance!!! I live in TX and am trying to find out if my payday loans are legal? I am pretty sure that Payday One, Checkngo, and Cashnetusa are. I also have one with itsmypayday.com that I am not sure about. Also, I am wondering if they are legal, what is the best way to start the process of working with them? Closing my bank account is not an option at this time. Should I just stop the draft and then try to work with them? How much notice do I need to give for the stopping of the draft?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I have 4 PDL and am trying to figure out what to do. I am reading that some are illiegal and am trying to figure our if any of mine are but am getting frustrated. I have loans with PayDayOne (a href=http://www.paydayone.com/?gcid=C12949x046keyword=Illinois-e-payday%20oneTRACKING_ID=kw165407ehttp://www.paydayone.com/?gcid=C12949x046keyword=Illinois-e-payday%20oneTRACKING_ID=kw165407e/a), CashNetUSA (a href=www.CashNetUSA.comwww.CashNetUSA.com/a), Check n Go (a href=http://www.checkngo.comhttp://www.checkngo.com/a) and ItsMyPayday (itsmypayday.com). Can anyone offer assistance? Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ HAS E FINANCE HELPED TO REMEDY LOANS WITH THEM:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I sent ACH letter to Dollar premier; advised of already paid $300.00 on a $500 advance. Willing to pay the $200.00 (exactly) on 12/24/12.. Had requested ACH block with WELLS FARGO, the account they deposited into...so what do the do? Tap my BofA account for $449.00; $149.99 and $49.99..WTH?!?!? HOw can they do this? I a;ready called the Bank but are thsy just going to jump from account to account? ( I have other 3) that have nothing to do or mentioned on this PDL.. Please Help!! FYI - ABJT Funding LLC dba Dollar premier (Utah) is owned by a prominent banking lawyer :( Thomas T Billings...What do I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can u tell me is plain green licensed on Michigan.NCA national credit adjusters say my 80 yr old Mother has a pdl she doesnt even have a computer but they say plain green put 800 into ger acct at a bank she doesnt bank with.Now they say she might be identy thieft and wants her to get a paper from the bank she refuses cause she said she is too old to deal with this mess.She is on Social Security and doesn;t have the money too keep sendingpaper work fro banks she has to pay for.:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know about Zip19? I believe they are indeed illegal, however I am concerned about a disclosure in their contract that states that upon signing of the document its as if I signed it in The Republic of Malta. Am I still held to this contract?? Thank you!:Dhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Are online PDL companies required to be licensed in the state for which they are offering loans to?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Got into the internet PDL trap. Short story my bank account closed due to being overdrawn. As far as I know...four years later....all loans are paid. However I recently started getting voicemails at work from 877-881-0895 from a lady stating she had a case number and needed a pre trial statement from me for a case against me for intent to defraud a financial institution. I call back...now one answers. If I had a loan that hadnt been paid do I still owe anything and if so how do I know ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have moved my bank act (which deposit was made) and will be joining a credit union for cheaper rates. This can not be done until I (now) recieve my ssd by mail. I need to be able to contact you next week once check is recieved and deposited for your payment.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am unsure if you are able to help, however, I am attempting to contact FIA I am currently in Australia and have received a credit card number, to pay for accommodation for a substantial amount, issued from their bank that I believe to be a fraudulent booking. I am wanting to contact them to check, there is no email and the number that can be rung is an international cost for me and Ive already wasted 12 minutes on hold. their call back service does not include international numbers any ideas?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Back in 2006 or 2007 I wrote a check to Advance America, in Texas, for a pay day loan and I did not pay them back. A collection agency called me a couple weeks ago and told me I could make payments but I have to send them money THIS month, or risk going to court. The lady made it sound like all ell was going to break loose if I didnt send them money THIS month. I agreed to make payment but I couldnt send them anything this month because I dont have any money. They told me they would contact me again within 24 hours and they didnt call me back until today. They threatened, again, to take me to court and they hung up on me. Is the statute of limitations of pay day loans 4 years, or 10 years ? Can they still take me to court ? I want to resolve this but they seem to be trying to instill fear into me.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have three online payday loans totaling approximately $1600.It has quickly become obvious what a complete scam they truly are -- case in point, I have paid $615 for a $500 loan and Im told I still owe $585. From my perspective this is more than paid off! Same story with the others. I had no idea their actions were illegal in the state and I want to get off this merry-go-round!I understand what steps I need to take to reclaim my hard earned money -- starting with a new bank account! I think it would be best not to get into a verbal boxing match with each of the companies, so my question is does anyone have a good blanket form letter that can be sent to each of them?Suggestions?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ All 5 companies are not licensed here in Illinois. One click Cash.com is actually SFS, InSantee Sioux Nation of Nebraska 52946 highway 12 Niobrara, NE 68760 UNITED CASH LOANS IS MNE Services Inc 3531 P St NW P.O. box 111 MIAMI, OK 74355http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi What can I do about Bayside Cash reporting on my credit report? The are in illegal company in my state. I worked out payment with them and sent all my letters, and they just hit my credit report, twice. Can they do this? What can I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I found this site yesterday while I was looking for a way to consolidate my loans. I immediately began looking up my loan companies and Illinois state laws. Most of the companies dont have a address available and I didnt even fill out a application or receive any contract at all for 3 of them. The companies are United Cash Loans, One Click Cash, Advance me today, Sure Advance and Archer Direct Serviceshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ what is the statute of limitations on debts in illinois?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is there a phone number for customer service?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a loan back in 2008 but was unable to pay back. They called to my work and told ,the secretary that they were going to serve me with papers and arrest me. I called then and it was a firm saying I had to pay them at least 200. The total was 800.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am (unfortunately) a cosigner on a student loan that my son took out near the end of his doctorate program with a national education service. The debt (which now is about two third of the original $10,000) had now go into default. I realize I should have been paying more attention to this, but I am on it now. I tried without success to talk to the education service about this-they say they no longer own the loan-the collection agency owns the loan. I spoke to the collection agency and they say the education service owns the loan. So apparently I cant get a straight answer. I have offered to pay the balance on the loan (which is unsecured) plus late fees and a penalty fee. The agency refused my money, insisting they will collect an additional 25% of the total, bringing the loan to near the starting point. I am trying to be responsible here, but I just cant agree to this. Do I have any options here? (Sorry for the length.)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been reading the boards regarding Plain Green Loans. Took advice and sent them email today stating that they were illegal in Michigan, that I overpaid them and that they need to mark my account paid in full and refund me for my overpayment. Hopefully I will have success.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ An EOS CCA collection account regarding an ATT mobile account I had back in 2007 was added to my credit report October 2012. After looking at all three of my reports, it shows that the account was opened in August 2012. Between August and October, I???ve received no contact from EOS CCA via phone or mail. The debt validation letter I sent arrived at the address listed on my reports November 1, 2012. I sent the letter using USPS certified mail service. Transunion and Experian are stating that the debt was verified, but yet I still havent heard from EOS CCA via mail or phone. What do I do now?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Ky, have a PDL with them. Thanks to some advice on here, i have closed my checking acct and opened a new one, also ive contact my friends and HR dept. However, i cannot email the ACH revoke letter. They are located in anguilla and their parent company is in Canada - is it even worth it to try and send a letter to them?? thanks - this site has been a life saver!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Helpin az can i please get your help thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-size:1;Tough Situation Im 26 and turning 27 next year. I am in some debt and feeling very stressed all my life, I feel like now may be a good time to ask 1 of my family member: Let me explain how my family works to you: Family: Dad and Mom - Senior citizens , 74 years old - dad is a retired senior citizen 62 years old - mom is a breast cancer survivor working p/t - doesnt make much 19 years old - one younger brother thats in college working part time - doesnt make much My financial obligation that is a MUST: I give my parents and younger brother monthly allowance: Monthly Minimum: $800 Additional - Random : $100 extra month / younger brother, he is doing good in school Supplement for their rent: $400-600 Cell phone: Family Plan- 3 lines, 2 for them, $100.00 Monthly Train Fare: $208 ----------------------------------------------------------------------------------------------------------------------------------------------- As for myself, I dont want to get into it as it really doesnt make a different. The fact is I have been supporting my family since 16 and a few years back I gave more than $1200 a month to them however now I dont have that type of resource to do so anymore. My current salary is $47,000 a year with a 3,000 bonus. Its definitely rough... No one in my family is rich or have a good amount of money, my closest family members are pretty frugal themselves but they are not able to help me. My cousin which watch me grew up always said Im smart and try to help me however I dont know whats up with her. I did my own online business when I was young and I was making good money however since I was young and naive I made some bad decisions which didnt work out too well. My my and dad is like a diaster, the current apartment they reside in is horrible.. very old and dirty and small, I just cant live with them and therefore I move out. Family is family , I love them regardless and their so old already I dont have any patience to try to change them anymore, my childhood was pretty much ruined by them however I guess they did good enough for me to be able to be strong enough to keep moving up in life. I always feel that in life you have to do your best and whatever happens just do your best and you should be okay. I dont like asking for help because thats how I was taught when I grew up so pretty much until I was like 21 then I asked for help. My cousin (she is about 50) yes, she could be my mother, thats how our relationship is kinda like: was able to help me a get internship at the company Im working now and to tell you the truth I;m doing alright however its been 5 years my salary increased only about $7,000.00. Its pretty rough when I think about it, My youth is pretty much gone. She always say she will help me and such (because my family helped her when she was young and when she came to America). I am very grateful to hear that but I remember when I did asked her when I was I think 24, she kept giving me all these story like a game plan , like what Im going to do with the money etc.. I told her I have some personal debt and I also want to use the money to do some side business and funds will be repaid back by my monthly salary. Anyway it didnt go well however our relationship did improved alot and I try not to think about how nuch it hurt when she rejected me. Now, its been like 1.5 years since her bf has passed away and I know.. she inherited millions. properties and funds and I always hear her trying to talk about investing in business and such after she rejected me and then ask me if i want to do some business with her and she invest the funds and such. I simply told her no.. Now I want to ask her if she can loan me around $50000 and I will repay in 5 years at monthly $1000 so she will receive $10,000 in interest in 5 years. Is this a good idea ? I mean she knows I work hard trying to move up, this year I hjavent even gone on vacation I have 20 something days left of vacation days at work. I am working my way up I just want some cushion to help me out. Any advice is appreciated. Sorry for my lack of writing, honestly theres a lot more however I dont know how to effectively list exactly how my personal life is. Keep this in mind: , thoughtout all the years whenever my family including herelf needs help with something, Im the one they call.... I honestly feel so tired sometimes and also quite sick when I go help her and have dinner with her and talk about some of my problems and tell her my stories at work how I am getting better because its just very hard on me. If I never took the job, Im not sure how I would of rolled out however I know that my parents would of continue to need the support so I definitely would have did something to help them. and myself. In no way is she responsible for me or need to help me, its just that Im quite sick of helping everyone and then wonder how come I am in the position I am today, why cant i just get some help for once. /spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have about $6,700.00 of debt .on Credit card is in collections with a due amount of about 2500, the other is about 3700. and the other 600. I cant get a loan from a bank because of the one in collections. I cant afford the monthly payments for all of them i dont know what to do.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ After many phone calls to citi we finally had a payment plan I could agree to. I needed to set up a checking acct and call them back with info. I was told I had till dec 13, but I found out the hard way that my acct was transferred to CA and that I would have to deal with them from now on. What BS. Anyways what are my steps for dealing with this CA? Should I just offer them same deal? What to do now?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I swear after I deal with a collection agency and send them cease and desist / debt validation letter everything goes calm for 2 months before they sell my information to another agency and they start harassing me and I have to start the process over again. I CANNOT find any information on this new place. For the last 3 days they have called me two times a day leaving a message saying they are going to serve me. They also call my sister saying the same thing. I called them to and all the guy told me was they are called Global and they refused to give me their address and refused to give me their fax number for security purposes. Their call back number is: 855-405-9167 and the number that showed up on my phone was: 832-769-4719 Does anyone know their address? The first time I pressed they said located in Calif. second time I got another person said located in FL. I found something for a Global Collection online who is from New York. This has been the most difficult agency to get an address and exact name.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been contacted by Legacy Asset Mgmt regarding an account that my husband had. I was never on the account. My husband is now in an alzheimers facility so I cannot ask him about this. The person has threatened to file a lawsuit and even take my home. What is my liability on this? And, hasnt the original company already written off the balance any way. These collectors are just looking for payment since they get a percentage of what they collect.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have made a muck of these payday loans and am not sure how to crawl out from under them. They are as follows: Plaingreen Loans - $2000 Iggy Loans - $500 Cash Cure - $480 Government Employees - $450 Professional Account Services - $400 OneClickCash - $400 Discount Advances - $750 This is $1632/mo in PAYMENTS. Any help on how I can pay these down faster or consolidate them would be so APPRECIATED. Thank you, Caseyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have made a muck of these payday loans and am not sure how to crawl out from under them. They are as follows: Plaingreen Loans - $2000 Iggy Loans - $500 Cash Cure - $480 Government Employees - $450 Professional Account Services - $400 OneClickCash - $400 Discount Advances - $750 This is $1632/mo in PAYMENTS. Any help on how I can pay these down faster or consolidate them would be so APPRECIATED. Thank you, Caseyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :mad:12 years ago my ex wife made a purchase on my name after a divorce. I disputed the charges with the credit bureau. Asset acceptance still reported on my credit for 8 years pass the sol. When it was finally removed from my report, they filed a judgement against me for the same account. The paper was served to my teenage son going out of the house with his friend. He lost the document. And i found out when i ran my credit report. went to court to check the filing status. And my my 16 year son was listed as my brother. i never had the chance to defend myself cause i was never served. now the total amount has qua triple. i hire a lawyer that didnt give me any result for 6 months. Not even a single copy of any documents or proof of action. What should i do to resolve this matter? thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi What can I do about Bayside Cash reporting on my credit report? The are in illegal company in my state. I worked out payment with them and sent all my letters, and they just hit my credit report, twice. Can they do this? What can I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call while i was on vacation from work, and an email saying that there was prosecution. Is this true, please let me know because this has made me super nervous. Just by reading this blog, makes me think this is scam. help please.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My mortgage with WF is 3 months behind. I have spoken with collections many, many times. I have filled out the borrower work sheet 2x. The first time they told me I had money left over and should pay them (???), the next time they said I had NO money and they couldnt help. The only offer they have made to date was to skip one payment and then pay additional for the next 2 months. I have explained I was in an auto accident and cant work. My husband works all the over time he can get and we have sold everything we have to sell. My oldest son even cuts and sells firewood to help out... Ive told them once I get my settlement from the accident we will be fine. Collections will not let me speak with the default dept. They will not even allow me to delete the escrow part of my payment (which would allow me to make the actual mortgage payment -- mtg pmt 850 escrow 350) They said if I sent 850 they will consider it a partial payment and they dont accept partial pmts. I am at my wits end. My husband is working and worrying himself to death. Any suggestions on how I can get them to help me????http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am currently in the process of getting all my ducks in a row and have began drafting letters to the illegal lenders within my lovely PDL Portfolio. My question is, when you guys are advocating paying the principal only, does that mean amount borrowed or amount borrowed + the initial loan fee (i.e. $1000 borrowed + $250 fee = $1250 loan)? * Ive already opened a secondary checking account, but have not diverted my paycheck to it yet. * I am in Texas * Thanks to PDLs, I may not make rent this weekend, nor be able to afford a Vodka-7up to destress.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ can a company legally charge 300% interest...(speedycash flex loan) in Kansas?I have made10 payments of 71.00 and my principle hasnt been touched!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This is an excerpt from the response I got from Safe-Loan about my revocation: We would like to mention that when you signed your loan agreement, you acknowledged and contractually agreed to that fact that we are a Costa Rica Company that registers and operates under Costa Rican law. Because of this, we do not maintain a location in the State of North Carolina. As stated in your loan agreement, the loan was provided in accordance with the laws that govern licensed lenders in Costa Rica. Your loan was approved and funded in Costa Rica. How so I respond to this? I have closed my accounts with my bank and given letters to my employer so they cant garnish my paycheck. I have yet to hear back from My Cash Now or West River Cash.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone heard of this Global pre-litigation firm? Is this place legit or a scam? They had me going so I gave them, my account number but recently closed it out because I was skeptical about it because they couldnt provide, me with any of the info I needed about them....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in DE and got a loan from Western Sky. They are owned and operated from an Indian Reservation. The sold the loan to Cash Call which operates out of CA. I paid additional on this loan, which was supposed to be applied to principal and they have not done it. I still owe as much as I borrowed. The contract says no prepayment penalty and the reps said additional money would be applied to principal as long as I indicated that. Ive already paid back more than I borrowed. They are now threatening me, b/c I was in a car accident and cannot work. Are they able to sue me or garnish my husbands wages... thats what they are threatening me with.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We received a call yesterday and today. They said we needed to contact them right away as my husband will be do in court and she needs to go over the inforamtion right away to be prepared for court. I freaked out and asked him what kind of trouble he was in. I did some research they are CRS from Texas and have been doing this to alot of people. How can they get away with this. My 6 year old was crying as she heard the answering machine and thought daddy had to go to jail. Then started calling cell phone. How and the heck did they get the cell phone number?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ These people are on my credit report and the other person they bought my charge off from is also on my report as negative. How can these people put a negative on my credit report when I did not have anything to do with them? If they bought the account then the other account should not be negative...it was sold that means a roll over thing...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can they do this?? The PDL company is Bayside Cash. What can I do about this?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Logn story short...I went to ITT tech for 2 years getting loans for the whole thing. It took me around 3 years to get a job even remotely related to what I went to school for and it took me closer to 5 or 6 years to get a good paying job in that field. Well after the 6 month grace period was up after graduation I liked to choked when I got student loan bills in the mail for $500+ a month. Almost as much as my rent. I contacted them and they said I could consolidate all my loans and put a hardship forbearance on them until I could afford to pay for them so I did. What they failed to mention was the fact that they could only do that with my government loans and not with the private loans I had taken out. Unfortunately I didnt know this since I was poor for the first few years after graduating I was moving from one place to another to another. If they were sending me collection notices I wasnt aware of them cuz I never received them. So I eventually landed a good paying job at an air force base as a contractor which required me getting a security clearance. As part of getting my clearance I had to go before a federal judge and explain why I had so much debt that hadnt been paid. (There were also some small things on my credit report...first time I had ever pulled my credit report since no one ever really taught me about such things growing up). I managed to convince the judge that I wasnt a security risk by starting to pay the collection agency months before my court date and got my clearance. So I paid this collection agency (Windham Professionals) $300 a month for about 2 years even though they were saying i owed them 23K for 9K worth of original debt. I never agreed to amount but started paying them for fear of loosing my good job. Well after paying them for a couple of years....something like 6K I noticed my Windham professional statements that I recieved 2 or 3 times a year only ever showed the amount i owed and nothing else. Well after 2 years and 6K later the statement still said I owed only 1800 dollars less than the original amount. I called them to ask them about this which got me no where and got me so angry I looked up stuff online and found a generic validation letter so I sent it to them. They disappeared. This kind of surprised me as Salie Mae sent me to them so I figured they could validate the debt but I figured why not? right? Well since then 2 other collection agencies tried to collect which I just ignored and never herd from them but once or twice. Then Convergent sent me a rather lengthy collection letter so I figured Id try the ol validation letter again on them just to make sure they could collect the debt and again asking for specific tallies of how they figured the amount that i owed them etc as they are claiming I owe them 23K and some change now too. Well they sent me a reply back to my letter but all they sent me was all the paperwork I had signed to get the original loans both private and government backed and a copy of the paperwork showing that if I defaulted on the loans then I could be responsible for paying a collection agency. Now my state does not require a license for collection agencies to collect in Ohio so I guess that part doesnt matter but there is nothing outside of all the original paperwork I signed to get the loans from Sallie mae. Is this all that is required for validation? I still have no idea how they arrived at the total amount they say is due, they never stated what the loans were originally for, They also dont show any records of the payments I made to the other collection agency or even any paperwork from the other agency I was paying for awhile, and they have not proven the statute of limitations hasnt expired. So I have 2 questions at this point. 1) Did they completely validate the debt? 2) If not then what should I do from here?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi my name is John Coakley and I have been battling the payday loan cycle for a couple years now .I reside in Illinois. Here are my payday loan companies and how much i borrowed. Discountadvances.com- $460 i have paid over that amount easily already Platinum cash link-$360 I have also paid more than that so far nationwidecash-$500 cashdirectexpress- $600 sure advance- $400 amt-$500 and 3 others at 250 apiece I have paid almost all of them what i originally borrowed. Have gotten so far flipped over I do not know what to do? Please help Thanks John Coakleyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Received a call from a Marsha Bradshaw who didnt identify company or too much other information. Stated that I was going to be served at work and that I needed to call them. Left case number. Has anyone received a call from this company or person? Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like to look at getting my debt paid down faster, I am not in trouble financially and can pay my bills on time, but I dont want it to hurt my credit in the future. Which way is better to go to not hurt my credit debt consolidation or settlement?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ could you please let me no if there is a mbna branch in the newcastle arierhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have loans with the following 5 companies and Im not sure Im looking them up correctly. Please help. United cash loans, sure advance, one Click cash, arched direct services and advancemetoday. Could someone look them up and tell me if they are legitimately licensedhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How can I find out if the Payday loans I have are from legal companies?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can loanshop garnish my chechhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received a call from Mr. Mike Wilson who claims to be a mediator between the courts and me. At least that was what he said the first time he tried to explain himself. He kept trying to get me to verify my address with him. I kept asking him what was the name of his company but all he would tell me is that he is a mediator. I then asked him on whose behalf is calling, what agency or company hired him to be a mediator regarding Providian. He said CRS sent me information regarding this debt but I refuse to pay and then he tried to verify my address again. When I stated I have never heard of this company and that I have not received any correspondence from them, he just kept trying to verify my address. He told me CRS meant Collection Recovery Systems, how can you mediate for a company and you dont know what their accronym means (LOL). Before, I could inform him that I would need a debt validation from this company before continuing any further contact with him or anyone within his organization, he told me it doesnt matter how our conversation ended they just serve me. IDK how he got my home number, I have only had this number for a month before he started calling and it is unlisted. Go figure? If this is a legitimate debt what should I do at this point, b/c I cant afford to pay it whether they sue me or serve me. You cant get blood from a turnip and you cant get money from a broke person. This debt doesnt show up on my credit report so, Im curious where did it come from. I have dealt with Commercial Recovery Systems in the past and set up a payment plan for other creditors so, if CRS was really trying to get in touch with me regarding this Providian debt, they would know how. Signed, Perplexed:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive read every horror story but is it possible to receive a payday loan without all the phone calls and hassle? Im in a financial crisis and could really use $500, as a last resort effort Ive now considered a payday loan. Is it possible to get the loan and pay it off on my next payday 12/11/12 which is 14 days without crazy phone calls to my employer and such? Bottom line is I need the money, I will pay the crazy fees/interest, I dont mind. I just need this to go smoothly without any threats, lawyers, zero phone calls to my work (cannnnnot have that at all). Which company would be most professional and best to use online? I live and work in NJ? Thanks everyone!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ iI recieved a letter from mapother mapother about a debt of over /i i$5,000. I called and they couldnt pull up anything by my name /i iaddress ssn or DOB. only untill i gave them the case number that was /i ion the letter did they pull it up and the ssn and dob where off. they said /i iit was a debt to chase bank. I have never had anything through chase /i ibank. Please help/ihttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, like many others I have a few questions about IPDLs in Iowa. I have read that they are required to be licensed in the state, but, it is hard to figure out how to check their license.Could you tell me if the following companies are licensed in this state? United Cash Loans, Boulevard Cash, and Integrity Advance. United Cash Loans= borrowed 200, paid 425 and still owe 65.00. Boulevard Cash= borrowed 300.00, paid 180.00, still owe 300.00 iadvance= Borrowed 300.00, owe 390.00 I have closed my bank account and now the calls and threatening texts have begun. What should my next course of action be if these companies are illegal in my state? Thank you in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just started getting calls from one party telling me I need to call this # because charges were filed against me. When I called that # I was told I owed on a loan that I have no idea about. What can I do? How can I find out more information?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My son has Sallie Mae loans and has been paying $500 a month for over two years on these loans and now they are asking him to double his payment. He is self employed so money is not always consistent. I have co signed on some of these loans. Are they allowed to demand he make higher payments? I have read some of the FDPCA information and I dont understand alot of the legal jargon. by making the same payment, he is now behind on other important bills and utilities. Any suggestions.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help with payday loans. I live in Texas and I am drowing in this debt. What are my options?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been contacted by a professional locator that has instructed me to call Global for a payday loan that was not repaid three years ago.. They have called my work, and all my family members. They have offered me a settlement offer... Should I pay them???? I have several post on here but no one seems to be answering...Please help.... I am in TN and it was an internet loanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help... I had a payday one online payday loan 3 years ago. Global is now calling me and wanting to set up payments. They have not sent me anything in writing. They said that they dont send out letters. They want a prepaid card and want me to make 6 monthly installments to pay this off. I am very leary of giving them any sort of banking information. They stated that they dont take mail in payments. They seem nice now... But for the last two days, they have called my place of employment, several family members... They have a professional locator call me now. I am scared not to pay it but I am just as scared to give them my information...I need guidance and quick!!!! I am in TN and dont have my contract...Please someone tell me if we should pay Global or not.....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help... I had a payday one online payday loan 3 years ago. Global is now calling me and wanting to set up payments. They have not sent me anything in writing. They said that they dont send out letters. They want a prepaid card and want me to make 6 monthly installments to pay this off. I am very leary of giving them any sort of banking information. They stated that they dont take mail in payments. They seem nice now... But for the last two days, they have called my place of employment, several family members... They have a professional locator call me now. I am scared not to pay it but I am just as scared to give them my information...I need guidance and quick!!!! I am in TN and dont have my contract...Please someone tell me if we should pay Global or not.....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have a payday loan with discountadvance.com and need help. I live in kentucky and the payday loan was orignally for $400 - its now up to $530 and ive paid interest on it several times! What do i do? I cannot pay it back, at least not at the rate Im going. Interest and fees are killing me. :(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color:#000000;I need help... I had a payday one online payday loan 3 years ago. Global is now calling me and wanting to set up payments. They have not sent me anything in writing. They said that they dont send out letters. They want a prepaid card and want me to make 6 monthly installments to pay this off. I am very leary of giving them any sort of banking information. They stated that they dont take mail in payments. They seem nice now... But for the last two days, they have called my place of employment, several family members... They have a professional locator call me now. I am scared not to pay it but I am just as scared to give them my information...I need guidance and quick!!!! /spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help... I had a payday one online payday loan 3 years ago. Global is now calling me and wanting to set up payments. They have not sent me anything in writing. They said that they dont send out letters. They want a prepaid card and want me to make 6 monthly installments to pay this off. I am very leary of giving them any sort of banking information. They stated that they dont take mail in payments. They seem nice now... But for the last two days, they have called my place of employment, several family members... They have a professional locator call me now. I am scared not to pay it but I am just as scared to give them my information...I need guidance and quick!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received a phone call from WAm telling me that my husbandd opened an account in 2008 with T mobile, it was openeded in Idaho. The amount is 1,900.00 We have NEVER had an account with T mobile, we have never lived in Idaho, my husband was in Iraq duirng the time they say the account was opened. It is fraud, now they tell me they will send a fraud packet to my house I have until the 5th of Dec. before this is reproted on his credit report. How can I get this stopped long enough for me to receive the fraud packet, get the police report filed, etc. before it goes to the credit reproting companies? We are the victim and are being treated with rudely. Helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i filed chapter 7 bankruptcy over 2 years ago my lender would not re affirm my first or second mortgage but i have continued to live in the house and make pmts, the house is worth approx 120 i owe 148. my question is if i walk away will this in any way affect my credit since we didnt re affirm? thxhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I sued my now evicted renter . Back then she promised back pay for child support(childrenareadults), back pay SS if approved or her car. One judge was awaiting the ss results, the next vacated this judgement since neither ss, nor child support nor a car of low worth $4000 could be taken. Which judge was right?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i got a reprieve from cash call after i said i would no longer pay them. it said do you need assistance in bringing your account current and get a fresh start with cash call? if i gave them $295 they would bring my account current by january 1,2013. is there anybody who has taken this to the end..i mean where they either settle with the principle or is it an on going fight? does anybody have a positive outcome after stopping payments.?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 6 payday loans, I just filed Ch7 in Sept. and was desperate. I have stopped my direct deposit to the acct, but cant close the account. What can I do with these? Next day cash - $500 paid $225 National Group/Midland - $300 paid $90 Missouri Bank and Trust/VIP PDL Solu - $480 Speedy Loan - $650 - $815.34 pending now Mt. Sion Inv. Loan Disburr - $300 JHS Marketing - $300 OMG, I regret this now, but when I had to take care of my kids it just did not seem important. Thanks so much.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please be advised that a Class Action has been filed against Money Mutual DELETED..PM and related entities and individuals. The lawsuit alleges that in past years Money Mutual knowingly referred California residents to illegal offshore lenders. If you are a California resident and obtained a loan with an offshore lender through the Money Mutual website, please contact my office as soon as possible. Even if you are not a California resident, your information would be useful. The lawsuit is pending in the State of California, Alameda County Superior Court. Jeffrey Wilens, Esq. DELETED...PMhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ On Sunday I applied through 100 day loans. I understand that it sends out your information to different lenders to match you up and they will in turn contact you to offer you a loan. From reading different reviews you will be bombarded with emails and phone calls from different lenders. Well here I am almost 48 hours later and I havent received any emails from legit lenders. Yeah I know when it comes to payday loan lenders the work legit and be a loose term if you know what I mean. I will say that I did get some emails but they were from companies that were the same as 100 Day Loans and only tried to match you up with lenders...and a couple that I was not able to find in independant info on online. But I see from reading on this forum that Tennessee requires lenders to be licensed. Maybe that stopped some of these fly by night lenders...and could be why I am getting next to no responses from lenders. And that can be a blessing in disquise as I have taken out payday loans years ago and know what they can be like. :roll: Are there any legit online payday lenders that service Tennessee ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i owe a bill from long time how to payhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i do have a bill from you long time ago i want to make a plan to pay?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My parents gave me one of their personal checks to help me with rent for 150 dollars .. I dont have a bank account and will have to go to amscot to cash it .. There is no telephone number on the check will they have to contact my parents ??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need to know if plain green loans, great plain lending and spotloan are ilegal in floridahttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ iI have 2 store front payday loans in default, not on purpose but things happened. Anyway I received a call from an law firm dealing with CheckSmart whom I got the loan from 3 years ago.. they said I owe them 1083.00 the other is First American Payday loan 682.00 can I put them into a consolidation? An AFFORDABLE ONE/ihttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a credit card with Legacy Visa is there anyway I can re apply for another card?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I opened a loan with Cash Yes in June and as far as I know they are illegal in California. In August I sent them the letter advised by this forum to revoke ACH, cease/desist calling, and that I would send payments if they provided me with a physical address. No response to the email. Today I got a call from a third party litigation company asking if I want to settle in full or if they should proceed with gathering information on my earnings and employment to send to the court in my county (which they named by name) for civil suit and asked if I had already been served. Is this a scare tactic or is Cash Yes able to sue me even though they are illegal?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Received a phone call from CAC on 11/14; I returned their call on 11/15. The woman told me I owe them $1197; I said oh thats nice, how about sending me verification that I owe you this debt? I gave her my mailing address - they didnt have it - and told her I would not make any arrangements until I had proof I owed this debt. She kept saying, Well, were sending you a letter but what are you going to do about paying this? I told her again, when I have proof, Ill contact you and pay it. Today, I receive a letter from them dated 11/21 (does FDCPA specify 5 days or 5 business days?). They have called several times since then; I have let it go to voice mail. The letter states the alleged original debtor, the $1197 amount, a file number and then a date and a time in December that I am requested to call at the time indicated above to settle the debt to *original creditor. I think its amusing that the time indicated gives no time zone, so do I call at 2 PM my time or their time? Is this a DV letter? What are my next steps? TIA!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ do you have to requalify to stay on a debt management plan after 30 months in Indianahttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I filed chapter 13 back 2010/11. I wasnt making enough money to make the payments. I just want to get back into school... and I want to file chapter 7.. how long do I have to wait... :(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ iI had a law firm call me today from saying that they represented checksmart, I had took a loan out 3 years ago and I was paying them until I fell on hard times and something had to give, I had all intentions of paying them back, but other things kept coming up and I kind of forgot about them and I havent heard anything from them until today. I asked the woman for a letter of validation and she said that she wasant going to give me one because they arent a loan place they are the law office.. and they will start garnishing my wages, she wanted me to give her my banking infomation which I did not want to do because I have been a victim of fraud. What should I do? /ihttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ this company calls everyday, I get a recording (the woman has a British accent) that tells me to call another number. I called that number once, and it just rings and rings. I want these calls to stop, but how do I do that? There is no one to tell not to call me and I have no address to send a written request. The number that shows up on my caller ID is: MCO FINANCIAL 866-576-8284http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Have they settle the lawsuit with cashcall usa yet?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am out of town but was told that someone came to my house wanting to serve papers. I was unaware of the case until today when a letter from an attorney wanting to represent me arrived, my friend forwarded me the letter. I looked up the case number on the letter and the lawsuit was filed November 7th. Who do I contact, the clerk of the court or the attorney representing FIA Card Services? I have a letter from BOA relieving me of the HELOC debt, if that is what this is about.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I know this may sound like a crazy question, but this company Goldstein Henderson Weiss, Inc. scared me so bad with threats about 2 years ago I paid them 900 dollars for a credit debit they said that I owed. Please get everything in writing. They never sent me a validation of debt or anything. I honestely do not even know what credit card it was for or if that was even what I owed. I was so afraid of the threats they were making, I did not what else to do but pay. Please do not let them trick you into giving money.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have posted here a few times about my dealings with Cash Call. Now I have a new question. In total I had 7 loans when I found this site. Ameriloan, United Cash Loans, 500 Fast Cash, Extrafunds, My Cash Now, Plain Green Loans and Cash Call. I sent letters to all of them saying I would pay the principal balance on my own dates and terms. Everyone emailed me back(except Cash Call and 500 FC). They all set up arrangements and were easy to deal with. Today I received a call from 500 FC. I only answered because I didnt recognize the number. The woman I spoke to was pretty nice but told me I owed over 1200. I borrowed 750. I explained I emailed letters that the loans were illegal and I would only pay the principal. She said I needed to pay my debt including the interest. I finally said I will pay the principal on the original dates I noted in my letter and thats it. Why is this company being so difficult when the others were easy? She gave me a fax number and asked me to fax the letter because they never received it. Should I fax the letter even though I emailed it twice?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have school debt and bills debt as well what are the steps and what can i do to put all in 1 simple bill?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I I ran into some issues some time back, I got divorced and I lost my job within 3 months of each other. I have 2 kids so it was a struggle. I too got into the PayDay Hell. I got to admit, it seems so enticing.. One store with Great Plains: I barrowed $500 on 8/26. I have paid them $800+ to date with 6 more payments they want me to make. Did I agree to the terms, sure. I have been paying on time the $100+ every 2 weeks on Friday like clockwork with NO issues. Something came up this week (an emergency issue) and I will not be able to make the amount this week. Remember for the last 6 payments, I have made every one paying interest and small amount to principle. I called them to say that an emergency came up, I have 2 kids, and a health emergency came up. What are my options. They said none. Its coming out whether I like it or not. SOOO I started doing research on help with my payday loans. I came upon this site and to my eyes to see that I live in NY, an illegal state. So I called my bank, she said oh yes they see this often and I can come in first thing and they will stop everything and get me a new account (I have to wait until my weekend purchases clear my acct, that is why I have to wait until tomorrow). So I have drawn up my letters, got all my ducks in a row and tomorrow I will be on the way to recovery. I have a total of 6 loans. all have been paying on (and have paid over what I barrowed). I pay out $600+ from my $850 every two weeks from my paychecks. I feel like I am drowing.. I already feel like a weight has been lifted and I can not thank all of you for everything. This site has not only opened my eyes, I have learned my lesson and trust me, this will never happen again. BUT thank you for all the information to help me stop having anixity attacks and stress every time the phone rings or the knocks on the door or be afraid to check my mail box. I can now walk with my head high!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A Fia Card Service for $122.80 was on my Bank of America statement. I do not have Fia Card Service. Could you let me know what this service was for.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 8 payday loans with the following companies. I live in Texas. Which of these are unlicensed to lend in my state? Ameriloan Castle payday Bottom Dollar Payday IPL Prestige Marketing TLC DES Efinance Support North Cashhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ When you send the Payday loan letter stating your state laws and that your revoking any wage assignments and ach withdrawls. Do they have to follow your request or will they still take money from your account? When I was in payday hell, my account honestly just got closed due to these companies trying to take funds that were not there. I was unable to close the account becaue it was negative 970.00 dollars.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Allied keep on and keeps on calling my house asking for my brother....I tell them that he does not live here and they continue to keep calling. They are very rude and very nosy. One guy had the nerve to tell me that I HAD TO give him my brothers phone number so they could call him otherwise they would not be able to stop calling my house. What can I do? Ive been polite, ive been rude, Ive done everything its like they dont care and there is nothing that I can do to stop them.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What if you dont know the address or telephone number of your payday loan company?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:Hey, Community PDLR called me again. They contacted me back in august of 2012 and called again today 11/26/2012. They also called my job as well today. I had not heard from them since August. I filed at complaint on the ftc website in august and I filed one again today. The lady left voicemail, said her name was ms.mcarry and they have 25 percent wage assignment for me. I called and I did not give my name I asked a series of questions to get info to file on the ftc complaint. Guess what when I asked for the address do you know what this supervisor told me on the phone, they were not going to give me the address. I asked again, and said so you are refusing to give me your address. She replies, would you give your info to anyone you didnt know. I knew then this was some bullshit. Your calling me to get my info and you want give me your info and your a company. I hung up after that. What I would like to do is. Should I call back and ask what the debt is they are calling me for? I do not owe any payday loans anymore. Should I call back and say this is my name and my number is and this is my cease and desist since you are refusing to give me your address. Any suggestions? I really do not need them calling my job I work for a large bank.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have an installment loan from Check n Go that I received through the interest, I live in California. It was for $3000, I have paid $1407.92 so far. I am paying 218.64% interest. The loan agreement satys irs through Southwestern Pacific Specialty Finance. I am being put on disablilty this week and will not be able to afford the $300 payments every 2 weeks. How can I work with these guys to either settle or just pay the balance of $1500 of the loan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is it legal for NFAS to perform hard inquires on my credit without my permission?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Oklahoma. One Click Cash - 450$ 5 payments made in the amount of 135$ already and now theyre hitting me with an additional 50$ per week... I couldnt make the payment last payday and now placed my account in the negative. Loan Shop Online - 200$ 60$ payments made innumerable payments and now cant pay it either missed last payment but theyre working with me. What do I do? :/http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have (2) payday loans that I have been contacted about for repayment. I do understand I owe the loans and at the time was undable to pay them back. The porcess server called with a claim # and said I would be served papers at my place of employment. She gave me another name and said I waould have to call them to find out what it is for. I spoke with a guy there that said if I paid it now that I could pay the settlement offer and if not then paperwork would be served to me through the courts. Is there any options??? I just started a reat job and could pay it back if they would work with me on weekly payments. Please help!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My wages have been garnished for about 5 years, last june my employer was sent a letter saying that the department of education did not know where to apply the latest payment my employer sent in. on my myeddebt.com page on the bottom its says AWG process complete does this mean my debt is done now? on the summary page it shows I owe $10,481.47 but that has never changed and that is about the amount my employer has paid over the years.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-size:3;hi my name is vinny yes i got 5 payday loans taken out right now and need help i live in illinois i have 5 loans out right now /span span style=font-size:3; quickcashahead for 650 plus whatever i owed before the renewal/span span style=font-size:3; triple services which ive been paying 90 dollars every 2 weeks for a long time for a 300 dollar loan /span span style=font-size:3; mycashnow for 840 dollars /span span style=font-size:3; 247greenstreet for 655 /span span style=font-size:3; and checkngo for 1000 payments of 181 dollars every 2 weeks till april/span span style=font-size:3; any help would be appr. alot i cant afford all these payments i need help bad any help will be great thanks my email is/span[SIZE=3][SIZE=3]bE/bspan style=font-size:3;bMAIL REMOVED PER TOS /b /span[/SIZE]if you want to email me [/SIZE]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have been paying mrs on a loan for years now, at one point i had fallen behind on payments and in order to continue making payments i had to pay them $1000 a month for 3 months in a row. yet even after all that, my balance is still as high as when i started. At the time that i was behind they actually called my friends CELL PHONE numbers. how they got their numbers i do not know, they claimed i gave them the number when i asked them... why on earth would i give someone my friends cellphone numbers when i dont even want them calling me??? They have even called my place of employment and asked for me, then when i came to the phone and explained to them i was at work and not to call me there they continued to ask me personal questions and were very pushy. what can i do if anything... ive been paying them for so long now and im getting nowhere my credit is still horrible so im not understanding why me paying them is not helping my credit at all? oh, p.s. when they called me friend.... they told her personal information about me and my debt, which was very embarrassing and im guessing illegal.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can I be charged for fraud in Michigan if I put a stop payment on a payday lenders check that I know wont clear my bank account. I want to pay off the loan just am unable to at this very moment.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I have a rental collection that is five years in the making. I am currently going to be homeless in the middle of January if I can not find a place to live. Being as how I have this collection of $3, 000.00, I am not able to get an apartment I have spent a lot of money on applications ans so far just denials. What can I do? I dont want to be homeless. I live in Raleigh, north Carolina. My email address is EMAIL REMOVED PER TOS.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi i live in CA for the past 5 years before i lived in Boston for 27 years and i got a credit card that i fund a dispute from LVNV on my karma credit watch account, according to ca law it is 4 years limitation but Mass has years,do they use where you got the card or where you live now? if is where i live then my limitation is why over, can you help me how to fix this please? Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello! I have been receiving calls on my cell from an unknown number. They have left threatening messages saying I have charges pending in my county for check fraud. I have not returned these. So last week ignore the numerous calls to my work phone. They then proceed to call my school office and tell them they are serving me a summons they need the protocol for doing it. The office manager comes and gets me and says they want to talk to me. So I go in and talj with this rude lady who says they are serving me a summons to appear in court to answer to check fraud. I asked who is this and she says Progressive Financial. I asked who the alleged debt is to and she said she thinks EZcash payday. She said I alreadyt know and I am a thief. I asked for a written notice of the debt and she sdaid I already got it and they dont do that. So she caled again and spoke to the principal of my school and they told her what I allegedly am guilty of doing. The principal came to me and gave me the information and asked that I take care of this. What should I do? I live in Indiana. Thanks,:confused: dhl723http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I noticed LVNV on my credit report, please advise exactly what credit card company this applies to. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took the time to read reg e and here it is people: (c) Consumers right to stop payment--(1) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumers account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone ever applied with Net Credit?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have several outstanding payday loans, how can you help me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ OK, my debt is 150 days past due with it being charged off around 12/23. I spoke to Capital One who is not offering me a realistic settlement option. Principal balance is $10,000 but about $11,000+ with interest and late fees. They offered about $8200 which is too high. I read one can get 50-65% settlement. Should I make a final attempt a few days prior to being charged off to see if they can offer a better settlement? Or just wait to charge off and deal with the collection agency? Chase offered settlement after 90 days. BOA is also my other CC that has not offered a settlement and they are about 120 days late. But I do need to call them. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have store front and online pdls. i LIVE IN CALIFORNIA. STOREFRONT CHECKINTOCASH - $300 - WORKED AN EPP FOR $75.00 PAYMENTS ONLINE LOANS - ONE CLICK CASH - LOAN $500.00. HAVE PAID $150.00 (LOAN ROLLOVER) ADVANTAGE CASH SERVICES - LOAN $400.00. HAVE PAID $120.00 (LOAN ROLLOVER) UNITED FAST CASH - $400.00. HAVENT PAID ANYTHING YET SPEEDYCASH - LOAN AMOUNT $255.00 - OWE $300.00 ACE CASH EXPRESS - LOAN AMOUNT $250.00 - OWE $299.98 MONEY TREE - LOAN AMOUNT $255.00 - OWE $300.00 WHICH ONES ARE ILLEGAL IN THE STATE OF CALIFORNIA. HAS ANYONE HAD ANY PROBLEMS DEALING WITH ANY OF THESE? MY BANK ACCT HAS BEEN CLOSED. I HAD READ THE POST BY OHIOGAL1, SO I KNOW THAT I NEED TO SEND THE CEAST AND DESIST LETTERS. ARE THERE ANY POINTERS THAT ANYONE CAN GIVE ME? I HAD CREATED A MESS. I AM SICK TO MY STOMACH AND THE WORRY AND STRESS IS STARTING TO SHOW. one click cash united cash loans advantage cash services ace cash express i just need to know what to expect from them and how to deal with them. i posted earlier but had no responses. as of yet... im just nervous about starting the process and anxiety is kicking in. any help or suggestions would be of great help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok! So! I got a loan from western sky! Yay, go me!. Then it was pushed to cash call! Yay...lucky me......then, I found out they were scummy illegal stupid-heads! Wooohoooo!!!! So, I finally got my brain working and with the people on heres advice (love you!) I sent the ach revocation letter, along with my amount due (with no fees) and my offer to pay certain amounts in certain dates! Yay! I got the typical bs email...you all know the fabulous email Im talking about, Im sure!!! Yay! So, I had closed my bank account! Yay for my brain!! Then, when it was time for cash call to take their money out of my bank account...nothing. It didnt work! Yay!!!!!!! But the weird thing is...that was it. Never got another email or phone call from them. NOTHING. I think thats weird. Youd think that they would try to call to tell me the debit didnt go through. After thinking about it, it makes me a little nervous. Have you ever heard the saying the calm before the storm? Well, I am hoping with all my fingers and toes crossed, that this is NOT the calm before the cash call/western sky storm! Any thoughts???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I LIVE IN CALIFORNIA. I HAVE INTERNET PDLS WITH THE FOLLOWING COMPANIES: ONE CLICK CASH - LOAN $500 - PAID $150.00 FOR THE LOAN TO ROLLOVER UNITED CASH LOAN - LOAN $400.00 - NO PAYMENT YET ADVANTAGE CASH SERVICES - LOAN $400.00 - PAID $120.00 FOR THE LOAN TO ROLLOVER OTHER THAN CLOSING MY ACCT, AND MAKING PAYMENT ARRANGEMENTS, HOW DO I START THE PROCESS OF DEALING WITH THEM? :confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ There is no where on my bill which says that I owe money to anyone. Please be a little clearer on your statements.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi I received settlement offer letter from LTD financial but due date is 11/30/12. If I mail a settlement check(or cashier check) by certified mail, can I use mailed date as evidence in future? or they have to receive by 11/30. I am worried that they will say payment received after due date and does not honor the settlement. Any previous experience with LTD? Thanks, Andyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ First of all, THANK YOU!, I was in over my head with PDLs, but thanks to the good advice on this website Im digging out...just wondering what the experiences are with Zip19, MyNextPaycheck, United Cash Loans, and USFast Cash? I followed all directions, the time has come and gone since the payments were to come out, Ive sent multiple emails asking for PIF, if no response...what should I do? Also, Zip, United, and US all give messages that Im unable to access website...MyNextPaycheck still has my account as active, even though they did not get their payment this past Friday, it now shows the next pay date as 12/7...? Thanks for the help and advice!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a LVNV on m y credit report from September 2011 for the sum of over $700 but no address or anything else comes up when you click on it can i despute?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, We have taken out several of these payday loans to catch up but are in a hole that seems insurmountable and every time we get a little money, we get hit with another debit for the loans and then our other bills debit and we just dont have enough money in our account. With the overdraft fees, we are getting ourselves into a bigger and deeper hole. I did not know that these loans were illegal in NC. Do we have any way to stop the debiting? Collections called us from one place and said we have no way to renegotiate since we signed and agreed to the loan and terms. HELP!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anybody have experience with Capitol One and getting on a credit card debt payment program or hardship program? I have gotten all my other cc on plans but Capitol One keeps saying no plans are available at this time, this is for at least 6 months straight. I currently have $20000 debt on this card and a minimum payment of $1700 which i can not come close to paying. I have been paying only $250 of my $550 minimum payment each month. Any help would be great.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hello everyone i applied to plain green loan for a loan thinking it would be simple,but after i applied i was denied the loan from plain green , so from that i went on about my life,but here i am almost 8 weeks later and see there was a deposit of 300.00 in my bank of america account,besides my direct deposit from my workplace i make alot of deposits to the account from work i do outside of my normal workplace and my wife never seen this activity(she just spends it :)), but i did review the statements and i have been debited 90.00 bi weekly from this place (mass street group) nor did i give ach approval or accept this loan in any form of writing from mass street group,how can this place just dump money in my acct and then ach debit it, anyway i did do some reading in this forumm and i need help to rid myself of this scam what i did so far i made up a revocation of ach rights to mass street group i did move to another bank and did remove all money from bank the ach is tied to i did not get any calls from mass street group as of today, i work for the fed gov,can they call the workplace?and harrase me details of amount from mass street group: 300 was deposited into acct 3- 90.00 ach debits were made from acct thank you all for any helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I signed a personal loan contract in 2008 in OH. Moved to TX in 2009. There has been no payment, has the SOL expired?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My husband currently has out 4 loans, and we are upside down now in debt. I want to just close out account, and wait for collectors to call and deal with the consequences. I noticed that on the this forum you guys talk about lenders having to be licensed in the state you live in in order for them to be legal. When I follow those links you have posted to verify if they are licensed here in Illinois I cant figure out WHERE on the site to look. Help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ gc services wants to put me on a rehab plan but i dont have a job and i live with someone who helps me at the moment. is there a hardship program to help me if i have little to no income but would like to settle debt in small amounts if possiblehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Kansas and I have several loans out, all in which are for or around $500 with $15 per every hundred, I need a legit consolidation company asap. Im drowning and cant afford my bills anymore, I cant even get my daughter anything for Christmas this year. Someone help me please.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :(I set up a payment plan with attorney for chase. paying on time. I get halfway through the payments and the attorneys are threating to sue me for a debt that does not belong to me. I tried to explain this by phone, so I have wrote a letter to the attorneys. Now I am waiting for the court summons. What can I do to prove this is not my debt?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently applied and received a payday loan from a netpdl. The day i received my funds, all of the information i used to apply for the loan was given to other companies. Resulting in my checking account being debited by Several unauthorized companies. I was forced to close my account. My bank has advised me Not to give the payday loan company my new checking account information. However, netpdl is refusing to take payment in any other form, causing me to default on my loan and have HUGE fees tacked on. What do i do? I currently live in Oklahoma.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Are there any reputable consolidation companies in Gulfport, MS?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Upon reading some of the threads in re Eastside Lenders, I am finding that they are not legal in California? I took out a $400 loan in June, and have one payment to go to pay them off, however, I have paid nearly $900 in the finance fees! Can I email them now before the last payment is taken out, and tell them that I owe them nothing, and in fact they owe me because they are not legal? Please adivse. Time is sensitive, Im coming up on a pay day. Thank you!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ On both my and my husbands credit report.. Student Loans under Federal Loan Servicing and US Department of Ed.. are all listed separately for like each distribution, how do I go about getting these all to show as one? I believe the US Department of Ed ones have all been transferred to Federal Loan Servicing as well, but now both show up. Do I dispute or need to contact the loan servicing centers? Also how can you dispute inquires that you did not authorize? Is there away to block inquires without hurting yourself? And lastly if there is information under Name IDs - where like address, SS, phone are reported - if there is incorrect information there - how can it be corrected.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help with pay day loans. I feel trapped and a company called Payless Solutions is offering to help me with my 3 payday loans, but I need help asap!! After reading the thread, I feel that there is something I can do now. Please help me now!! 1. My lenders are Cash call- received 1000.00, charging 190.00 a month, River bend cash- borrowed 500.00, charging me 150.00 every two weeks, Advance Me today- borrowed 500.00, charging me 185.00 every two weeks. These were all internet loans. I live in Georgia 4. How much was deposited by each lender Advance me today, I have been paying since August of 2012, River Bend, last week, first payment this week, Cash call(Western Sky) October 2012, one payment of 216.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am about 9300.00 in credit card debt what would my monthly payment be with a consolidated loanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just called CheckNGo and they would not offer me an EPP. The rep said that I am already on a payment plan since I have an installment loan and not a payday loan. Is this true? Please reply.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I owe some money to a loan company and they posted their claim and all information about me on a debt registry web site radaris.com. That site offers me to settle the loan for less money than a loan amount. If i do settle, will it be enforceable? Their site says that if i pay less and now, it becomes final... I wonder has anyone here used their services?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Ohio and received papers from the County Clerk of courts saying I was filed against by this company and Larry Roach represents them. It is my debt. It is within the SOL for Ohio-6 years. 1. How do I file a motion for dismissal and what happens if they file a garnishment? I understand they will file a garnishment if I dont respond.I am just back to work after being part of the millions unemployed across the USA. Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have just complosed my ACH Revocation letters to all 3 PDLs (thanks to this sites awesome assistance :D). However, should I send them now or should I wait until I actually close my account? I placed stop payments already but the amounts still show as if they have come out of my account. The bank says the money will be back in my account on Monday and I can close it out then. Will the PDLs try and take the whole amount out between now and then once the original amounts are returned? My main concern is that I dont get hit with 3 large transactions because they want their money.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is it legal in Virginia to obtain a loan from american web loan in :rose::rose:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in a similar situation like the ones I have been reading. I took out a 150.00 loan to desperately pay a ticket that I couldnt afford from UnitedCashLoans. Initially, Im very confident that when I logged on to their website, it said that I only had to pay 200.00 for the loan. Now, I logged in last night (after making 3 payments of 45.00 making 135.00 paid to them), it said that I still owed them 195.00. Since I just started reading that UCL is illegal in my state (MN), should I either wait till I make one more payment to pay off the initial loan amount that I took out or should I go straight to my bank and close off my account? Also, how are all these loaners still around when every single one of them is illegal somewhere in the country?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, new here and have been trying to figure out how to start repairing my credit and increase my credit score. I went through annualcreditreports and creditkarma and thanks for the suggestions on this site, it has been a lot of help so far. There is one item specifically I am trying to figure out what to do and if anyone can give me some solid in depth advice it would be most appreciated. In September of this year, I entered a stipulation of settlement for a judgement against me. Long story short...... I owed Discover Card X amount of dollars. Did not pay them. Account was charged off in April 2010 and sent to a debt collector, who happened to also be a law office. Sometime last year, my account had funds garnished, Im not sure what this is called, but basically they got some kind of judgement to take money out of my account and did so. I entered an order to show cause claiming that I had never received any notice of this action. This was end of July 2012 Back to the beginning, in September 2012 I went back to court to deal with this, and the attorney for Plaintiff handed me affirmation in opposition. I later realized that this was supposed to have been mailed to me. I ended up meeting my friend who works as an attorney in the same building as the proceedings, and I just wanted to settle the matter and get the hell out of there because it was taking so long. Sitting there for another 3 hours would not have been worth my time or money. So I entered a stipulation of settlement with the attorney while the proceedings were going in Consumer Court in brooklyn (there are like 200 people there a day), and came to the stipulation that plaintiff was to keep $1000.00 of the funds previously garnished and that I was to receive a check within 30 days of the balance. I checked my TransUnion report and it just shows Date Update as 2/8/12 and amount $1500, it does not show that it is paid nor that I filed an order to show cause nor that I entered into a stipulation. My Experian report shows date resolved as NA and Judgement in favor of Discover Bank with claim amount of $1500.00 I know that there is missing information here but not sure what to report as incomplete. My goal is to get this public record removed off my report. Is the best way to file a dispute as incomplete with Experian and TU ? Or should I try writing the Kings County Civil Court first.....? Im pretty sure if I write Kings County, they will never get back to me about it.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can someone please help i live in Texas and can not find any info on these payday lenders if they are legal or not United Holdings Group LLC Emerald Marketing NetPDLhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ united holdings group llc emerald marketing netpdlhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I wanted to take a quick moment this morning to tell all of you to have a blessed and wonderful Thanksgiving... Even with all the headaches we are all possibly going through it is important to take a moment and remember how much we all have to be thankful for... Quick karma story, I am on my way yesterday to pay on one of my local agreements that I am settling on.. there was a young lady on the off ramp of the freeway with a sign that she was trying to get together $28.00 for a bus ticket home. I gave her some money and proceeded on to the store front to make my payment, when the girl gave me my receipt the balance was $827.60 less than what they had originally stated it would be, I asked, they said that because I had been a great customer for so long that after I asked for the payment arrangement they decided that even though I am making payments until Feb and then paying off they removed all additional fees... I am thankful for that among other things, and remember that it is always important to pay it forward when can even in small ways.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 5 years left on my graduate school loans. What should I do to lower the interest rate? Fed Stafford Loan interest rate 4.8% Private Loan (with Sallie Mae) interest rate is 5.75. Thanks. Johnhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Could someone let me kow if the following PDL companies are legal in California? After reading through this site, and doing my own research, I see that several of them are not licensed in Cali or legal period. Could you please advise the steps I can take to stop paying the ridiculous finance charges. I even sought out an attorney to help me. Thank you!!;) Zip19 - they are in the Republic of Malta Federated Financial Services Limited - they are in Manchester, England 500FastCash - just saw that this is a company with a lawsuit against them, or him. Eastside Lenders Oasis Bottom Dollar Payday CashNetUSAhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loan that is from Manchester, England. Is it legal for them to lend to me in California? I e-mailed the company requesting their License Number so I may cross-check with the Department of Corporations. I have yet to hear anything back. I have several PDLs (7 to be exact) that I NEVER intended to build up. But I found myself drowing in service fees. I contacted an attorney to try and help, but hes moving slow, and the next pay day is coming up. I lose apporximately half my pay check a month in service fees to these companies. Any help would be greatly appreciated. Janey Burkett:(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Iam not sure what this is about i dont recall owning anyone that amount of money.:roll:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Iam not sure what this is about i dont recall owning anyone that amount of money.:roll:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Iam not sure what this is about i dont recall owning anyone that amount of money.:roll:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ As before the two companies are ameriloan and starcashprocessing and they both are calling saying there is a civil judgement and criminal for fraud, so I wanna know what is the worst that could happen and will I go to jail, cause I dont wanna go to jail and am really worried and is causing me so much stress that I dont need could you please respondhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Cash Call is not legal in all states. Maybe their mortgage loan services but not the installment loans.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ THIS number 888-659-8968 has been calling my friends and my ex-landloard.he told my friend that didnt call call him jonathan daniels.that he was sending papers to the the courts where i live.:(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Years ago my at the time wife and I (now divorced) ended a lease with the apartment complex Arbor Ridge apts.We had everything signed saying we were going to leave as our lease was up. We moved into a new apartment complex and a couple of months later the calls started. IQ stated that we owed 1800 some odd dollars and they wouldnt tell me why. I argued with the lady before she threatened me with garnishment of my wages. I reluctantly agreed to pay in two installments. I paid the first but it left my wife and I (young newlyweds) so broke it was ridiculous. Before they could charge the second half I called and spoke to the lady again and she was so rude to me I had never been so angry in my life. I asked her if we could break the last 900 whatever dollars in half, and she said no because I had already agreed for two installments. Again she was rude and threatened with garnishment. I told her I wasnt trying to get out of paying it, I just wanted to break the last payment up. She wouldnt have it so I hung up, ignored her calls, and changed my account number I had given her. Fast forward about three/four years, this week on Monday I was contacted by the IQ company again. This time I had a gentlemen by the name of Jeremy. I think Jeremy is new because he kept calm the entire time, never raised his voice, was never rude to me, or anything of the sort. I appreciated that immensely and in return I was the same way. He said I owed 1125.90 dollars and that he saw I had paid 800 some odd dollars in the past. Bam! I knew that was wrong. I told him look what happened back then was with my ex-wife and I would like to know what the charges are. He told me they were for the last three months unpaid rent. WHAT! I didnt argue with him, I said I see. I went on to explain to him that I tried to get an apt. after my divorce and was denied because my records showed an eviction. Jeremy told me that a lot of the time apts. dont necessarily see and eviction, they see a debt to an apt, and they assume its an eviction. All the while I planned on contacting my ex-wife to verify the receipts for the paid rent those months. Jeremy told me that despite her being my ex, I was still on the lease and I had to pay. I told him that was fine I understand, he then went on to say that if I could pay half of that then it would be cleared for me and that he would contact my ex for the remainder and I would be okay. I didnt believe that part, and I know my ex cant afford that. I asked him to give me some time to ask my ex about it and got all of his info. However he told me that 10% intrest accrues daily! and if I wanted to at least stop the interest I would have to at least put a card down. I told him I would really like to talk to my ex-wife first, but I really didnt want ten percent interest to continue accruing. He said I might be able to help and then transferred me to another guy equally nice and understanding (forgot to write down his name :-( ). This new guy said he was told by Jeremy what was going on, and the new guy said, Look, I can see that you already paid 900 some in the past, (yes I did!) and considering that he said there is no reason for me to pay the entire 1125.90. He went on to say that if I paid the original remaining $901 he would clear it, delete it from my credit, and take care of that eviction in my name. I agreed and put down my card info. They said they will charge my account on the 26th after thanksgiving, I tried calling them today actually to verify and cannot get a hold of anyone. I keep getting the run around and am placed on hold FOREVER before I just hang up. I just want to finally clear my name and debt that Ive amassed since my divorce and move on, even if it means paying it all myself. I just no longer want anything to do with creditors, or my ex. Hell it benefits us both! My experience has been fair, should I have done something different?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was contacted by Payless Financial Group about my payday loans, but as I have been researching them, I dont think they are my answer. Where do I go, and what to do about these payday loans? Should I just write a letter or Email to each lender saying What? I would appreciate any help I can get. Thank you.:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can anyone tell me if Cashjar and Plain Green Loans are legal to operate in Florida? Or how do I find out that information? Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can you tell me if Cashjar and Plain Green Loans are legal in Florida? Both are internet loan companies. Cashjar is payday advance and Plain Green is installments. Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out a loan from western Sky in April of 2012 for $1,500.00. They took $500 for processing fees. I started paying them 198. for the past 6months. what do i do. Do i continue paying or stop since I live in NY.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, My mother got a letter from Palisades collection LLC saying that my mom has to go to court on some stupid phone my older brother got. They say she owes 1400.00 from 2006 but my brother got the phone in 1998. And now we receive this letter in 2012? It doesnt make sence to me. and my mother does not have any assets. She was a home maker for us 7 kids. But I dont know how to help my mom. She told me she never signed anything and my brother didnt sign neither. So I just need some advice . Can you help me help my mom? My email is [email]aitataula06@hotmail.com[/email]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Stupidly, I got in the Payday Loan cycle and now I am drowning FAST. I have no idea what to do. I was desperate and kept opening new ones to help me survive when the ones I had wouldnt work with me on the payments. Is there anyway I can quot;forcequot; them to work out a payment arrangement with me???? I live in Alabama and here are the companies that are sucking the life out of me (all were done on internet - not storefront):Sure Advance; Cash Direct Express powered by GECC; Plain Green; US Fast Cash or MNE Services, Inc; Cash Cure and Speedy Cash. Sure Advance has worked out a payment plan with me and stopped interest charges but the others REFUSE to even lower my payment a little. IS THERE ANY HELP??? Trust me, I have learned my lesson and will NEVER be in this mess again - if I survive this time.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am a resident of Ohio and currently have 8 payday loans outstanding. It is my understanding after doing alittle research...in OH PDLs are legal. However, we as OH residents can not be charged more than 28% on the existing loan and $1.08 finance charge on every $100 of a loan issued for a 14 day period. Is this correct? My real concern and question is after reviewing the Dept. of Financial Inst. in OH in order to determine if my PDL are legal lenders in OH...if they are not found on this list (and I know its common for them to be under different names; so this throws us a curve ball) does this mean they are illegal and I would only owe the principal of the loan? Or would I still be responsible for principal plus other charges from the PDL? Once this ? is determined then I can proceed with calling each PDL and setting up payment arrangements. Because on some of them, I have re-newed the loan and have paid or almost paid the principal. Any help you could give would be greatly appreciated. I want to be fair and pay back what I stupidly borrowed but not to be taken advantage of either. Thank you so much!!!:p Just FYI - my PDLs are Bayside Cash, Integrity Advance, IdealGelt2, Fast EFunds, ActionPDL, White Hills Cash, VIPLoanshop and CashNet USA.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Did you hear what that idiot did on Capitol Hill?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ are you helping people in South africa,citizen not from UK,NO CERTIFICATE OG UKhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ these people keep calling but i filed bankruptcy last year so i have no debt. how do i stop them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been contacted by Allied Interstate Inc in reference to a Sallie Mae loan I co-signed for. The young man I helped and his parents are refusing to pay the loan, so the rep says to me from the looks of my credit report I pay my bills on time so they would be pursuing me for the debt. I said the young man works, just moved to an apt, and bought a car $400 mo payments, why arent his wages being garnished? He said I appear to be more responsible. He gave me an option of paying $11000 and being removed from the loan, or paying $1000 with $178 mo payments for the life of the loan, I said so this kid gets off scott free? He suggested I borrow the money from family/friends. My income from my understanding is judgement proof, (VA benefits/SSD). Can they seize my bank account or attach a lien to my car?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Massachusetts and want to know if the following loan companies are legal in my state please let me know. They are as follows Spot On Loans. Eastside Lenders. NetCash123. And. Multisourceloan.com. Thank you. Sincerely Theresa @http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Midland Credit Management recently left a message for me to call back. I know this is for a credit card debt from several years back and according to a credit check that was performed while applying for a job I was told that I had no credit history, nothing good nor bad listed. Now according to what I understand the Statute of Limitations for my state regarding credit card debt is 6 years. Also since theres no listing of the debt on my credit history can I assume that its been at least 7 years since the incident in question? Ive read stories where people have paid off debts but are still harrassed by debt collectors on the paid off debt. What steps should I take to insure that if I pay the debt off that this sort of thing wont happen. Also are there any adverse affects that this can have?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have a line of credit with cashnet usa. i have tried everything i have read on this forum. i went to website and hit chat now. the lady said she could not help me. i would have to call collections. i called collections and they wont work with me on payment because i have made all my payments on time. my question is should i not make a payment and see if they will work with me or can someone give me a suggestion how to deal with them. thanks to everyone on this forum. all your advice has helped alot. i am willing to pay cashnet just trying to work out payment plan. also sure advance has changed my loan status to loan default. i sent a email yesterday but no reply. should i just leave it alone or contact them every payday. thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This will go to show just that -- Great Plain Lending - who I send an ACH revocation letter to on 10/2/2012 - and they sent me a PIF notice on the 10/8/2012 - Just sent me a pre-qualified loan mailer today -- talk about getting a good laugh... Thought you all might enjoy...... Happy Thanksgiving to allhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. We are getting married next week and have been applying the financial peace debt snowball and budget plan...just have too much debt to get it rolling. We just transferred $7,000 of our higher interest credit card debt to 0 APR for 12-18 months (total of 4 credit card accounts). Now, if we can just consolidate the remaining debt (combination of 2 secured high interest loans and one unsecured loan lower interest loan and 2 high interest credit cards) into one low interest loan and lower our monthly payment, we may be able to assure that we can pay off the 0 APR before the deadline. We are maxed out every month and unable to continue to live like this and if one things goes wrong, we are out of options. We just had a scare when our tenant called and said the furnace wasnt working. Saved from having to purchase a new one or just let the house go because there is NO WAY we can afford one, but now we have yet another bill that will go in the pile of the other misc bills that we cant pay because of all of our debt. My question is, is it possible to obtain one loan at 7% or less that would encompass the $6,000 second mortgage at 12.45%; $8,000 auto loan at 16.99%, $3,715 credit card at 13.24% and last credit card of $1,350 (13.9%)?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just recently moved from TX to KY, and just purchased a new house. I mention this because less than 2 weeks of the new home purchase my credit report must have been updated. Both my wife and I received phone calls from the CA today. They said that KYs SOL is 15 years, and I need to settle the payment with them. The debt was originally from Discover card and is not on my credit report because it is back from 2001. I am not sure if I need to be concerned here or not. From what I can find on the internet, the SOL on credit cards runs 5 years or 15 years depending on the courts; I suppose. The originating credit card company sold this off years ago to Stoneleigh Recovery. Can they do anything still? or are they just trying to scare us into paying them? I did talk to them for a while on the phone and they said they would be willing to accept much less than the original amount. Please pass along some suggestions. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a call last week, and I think I confirmed the debt (orally, over the phone) before actually receiving a validation of the debt. Now that Im reading more about it, I think that was a mistake. So, the question is: what if I already confirmed the debt on the phone?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have several registratin loans in AZ and have been unable to pay them for the last few months. My bank is the lein holder on the car. I have registration loans, where they asked for the registration and did loans on it. Can they take my car if the bank holds the lein?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been reading the forums for a while, but I am still not sure if all my Payday lenders are illegal or not. If I am reading right, all internet payday loans are illegal in Virgina, is that right? What about installment loans? I have one installment loan with netcredit.com and also a line of credit with CashNetUSA, Is CashNetUSA legal? Anyway, I am over my head and going crazy. Tomorrow I am going to close my bank account and I am sick to my stomach with the thought of all the collection calls I am going to get and really scared that these companies will call my job. I work for a huge company where most of the higher ups would not know me (or care) at all. These are the companies I have loans with now: CashNetUSA - 850 netcredit 8/23 1600 CashCall - $2600 originally, now owe $265 because I borrowed money from SpringLeaf Financial to pay off, but not quite enough National Payday Loan 9/28 400 Cash Advance Network - 9/24 300 Magnum 10/18 350 CashTaxi 11/14 275 Your Fast Payday 11/14 400. I want to pay back all the principle I borrowed, but I cant pay them all at the same time. I also would login, except that it shows my name and I dont it to.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A man has called me and told me that I would be arrested if I did not pay off my payday loans by this time today. That the nc states attorney would send a sheriff out to my place of employment, because payday loans are illegal and i had broken the law. I did not know that they were illegal and that I could get in trouble for getting them.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was told by my bank, USAA, that if I closed my checking account that it could be reopened if the payday loans send in the ACH authorization even after Ive sent in an ACH revocation to them. They stated that they would contact the payday loan services to obtain my contract and if I signed a contract, Im held liable to the contract. I have three loans: Mobiloan, Great Plains and Plain Green. I live in Georgia. Is this true? Thanks,http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Supposedly Im told I have a account uncollected with Payday Yes. The abritrator wont give me any contact info.. What can be done to set my mind at ease????http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like to know if American Web Loan is licensed in the State of Michigan? I took out a $600 loan with this company in March, and up until the end of August, I paid them $1,881.00. They kept taking out $171 out of my account every two weeks. Make a long story short, my bank account was impacted by identify theft which caused their withdrawals to bounce back. Now their settlement department wants me to pay them $1013.00. I dont know how to proceed. They are crooks - I have paid them the interest and the principle 3 times.. Thank you for anyones assistance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My question is are the following lenders illegal in the state of Virginia?: Plain Green Loans, Cash Call, Great Plains Lending, Cash Net USA, Netcredit Also I saw a template for an ACH withdrawal and cant seem to find it again. Can you point me in the right direction please.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Just a fyi for you guys and gals dealing with United. Their recovery department will call you from a number starting with the area code 918. I deleted the number from my call log but I do know that was the area code. It is in Oklahoma.:phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So Ive been sending usfastcash, and St. Armands all kind of letters via mail, email, fax and complaints via BBB, AG, FI, and FTC. St, Armands sent me all kinds of bogus emails telling me I owe them $300 no matter what (paid $480) and they will continue to debit my closed account then send me to collections. Usfastcash stopped calling, and the only email I have recieved is this one 2 weeks later: This letter is to confirm that your account with USFastCash has a zero balance as of 11/15/2012. No further transactions will be debited from your checking account*. Wonder if they will send me my $1,480.00 refund????????! Doubt it.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Pentagroup Financial contacted me at the beginning of the month regarding an alleged debt I owe. I didnt accept or deny responsibility for the debt, but I did tell them to send a letter to my mailing address so I could look into it. They sent the letter, saying I owe CACH, LLC (who I have no idea who that is), so I sent them the DV letter requesting more information, saying that I dispute the debt and request validation. The letter also stated that they were to only contact me via written communication going forward and not to call me - I want everything in writing. I sent it CMRRR and checked the USPS website today; the letter was delivered yesterday. This morning, someone from their office called me and left a voice message stating he was calling regarding my personal file with them and it was important that I call him back today. Can they call me after I specifically said dont call? Do I call back? Whats the best way to go here? I dont want to talk to them over the phone because I want everything in writing, but I dont want to get sued either.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have several pdl and i need help paying them can you set up a payment plan to lower my payments i am about to loose it all ,http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have like six pay day loans out all worth at least 375 or above most in the 500 to 600 and on 2 1000 dollar loans. How do i get help with these?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im currently paying installment agreements for two years 2010 and 2011. Is there a way to consolidate the amounts and make it one lump payment per month. At this point I am paying $200/ week and am having a hard time with selecting year for payment.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ once storefront payday loans have sold your account to a collections company does the new company have the right to tell you they will have you served and garnish your wages?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A lawyer company by the name of William Prescott called and said I owed a company by the name of Payday Yes and this was from 2009. I have never received anything in the mail about this and he said they send everything by email they sent it to my previous work e-mail they said It is Nov of 2012 and they are saying they are sending a police man out tomorrow ith papers to sue me for the amount of over $3000 and the amount they said I borrowed was $900 Can they sue me and why havent I been contacted before now? I do not believe I owe this money My question again is can they actually send someone to my work to serve me papers at work????http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi i have two loans one of them i didnt know i had called hydra fund iii...the other is liberty group....what i want to know is...are both of them legal to lend in texas... and if not what can i do about it... if they are legal...have i paid too much been paying 90 on both of them since august 17 2012...last payment was november 9 2012http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is it legal for Vist to charge you twice a month and not take any money off the loan amount?:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been dealing with these people since last year. I have had a debt with Sallie Mae for student loans for college. I have paid them some money but not a lot when I became unemployed I called them and told them that and they didnt document it. I continued to struggle and pay them they lady was nice when I told her that I lost my job. she had me on a plan of $36 a month. when I was no longer able to keep the terms of the loan rehabilitation i got another guy who hot his pencil neck supervisor on the phone to yell and threaten me to garnish my wages. Can they do that? The only reason they found me is I live in a state where I have to pay state income tax. Not only are they totally incompitent they are rude. They still have me at my old job after repeatedly telling them I wasnt there any more. They dont write anything down you tell them. INCOMPITENT-but of course I dont think they know the meaning of the word. So he threatened me that if he finds out I am working he will garnish my wages and I shouldnt be lying to him. Again because I was responsible and pay my taxes they found me. So then the guy wanted me to make 2 payments of $50 and i told him i couldnt. They have been calling my phone and the receptionist said that is i didnt make a commitment they could garnish my wages I said oh really where do you have me employed at she told me and I told her good luck i havent been there in a yr. When I told her how incompitent they are she tried to act insulted and was liek excuse me? no there is no excuse for bottom dwelling scum like your company...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just got the weirdest phone call from a fast-talking woman who mentioned an old pay day loan from 2007. She was talking so fast I dont think she even mentioned her name and I couldnt even understand the company name she was calling from. She called from a blocked number. Asked about my old bank account that was now closed and eanted to know where to get a hold of me and what county I lived in to contact the court system here. Then she thereatened to take me to court and sue me. I told her go ahead I dont have any money. She then told me I had just verfied owing the debt AND then said I would be taken to court before a judge AND that the whole conversation had jyst been recorded. I tried to ask questions but she hung up on me. I dont know who this person was barely heard the company name CDC? She also mentioned that I had been contacted before but had been non-compliant. All I can recall was a series of weird voice:confused:mail messages talking about urgent business and a 1-800 number. Wtf?:confused: shouldnt the statute of limitations be expired on a payday loan in Arizona?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a HELOC with PNC that has been charged off. Balance is 33842.12. I called them today to discuss a settlement. They previously offered me a settlement that we could not take because it was a lump sum amount which we did not have. Today the lady I spoke with simply said there are no settlement offers at this time, it is due in full. What should I do from here? Anyone know how hard it is to settle with PNC???? Any and all advice appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can bill consolidation include reoccurring bills as well as past due accounts?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know anything about LoanPointUSA? are they legal and licensed in TX? And what is the statute of limitations on PDLs? Thanks for any help you can give.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Just got a call from United Pre-Litigation out of GA. Telling me that I owe them 390.00 from a Payday loan I took out from JHS Mktg. They claim to have bought the debt and advised me that they will file against me in my hometown and will take me to court. I see a number of posts about similiar companies, I just want to make sure that my response if any is the appropriate one. Any help would be appreciated? Lukehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi everyone, I sent letters to the AG in SD and CA. SD sent me the 20 day response for Western Sky. The California AG sent me a letter with the name of a different agency that they thought could help. Here it is. Department of Corporations Consumer Services Office 1515 K Street, Suite 200 Sacramento, CA. 95814 Telephone 866-275-2677 Internet a href=http://www.corp.ca.gov/http://www.corp.ca.gov//a I just sent my information to them. I hope this helps some people out.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been sued by midland. Originally I charged on a student visa back in 04-05. I am willing to pay(what I owed), not the amount they are asking for. However at this time, even though I am working can not afford to. I know that my income is protected, I am a single parent two kids and make less than $20,000 a year. I am trying to figure out what to do next so that they dont start garnishing my paycheck.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received a call from a block caller stating he has legal documents to drop off, n that I should verify my address. He also gave me a number for the law firm who sent out the information. And they state that St. Armands group have put a claim on me. And I need to set up a payment with them today as to avoid further actions. What should I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know if the following loan companies are legal in south carolina? United Cash Loans 123Wages Sure Advance Cashyeshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, My husband passed away and apparently had a credit card with a bank I was unaware of that has ended up on my credit reoport. I have never signed any documents related to this card or ever utilized it, however my credit report has it as a listed liability, can you help guide me to get this right for my credit to be in good standing, I live in Georgia. Many Thanks, Mrs Smithhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently paid all creditors listed on my judgement, when I requested the company who had initially registered it against my name to have it removed I received an email stating that they had closed down about a year after the judgement was registered, how do I remove it now?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a call from this company, I called back it really sounds like a great deal. I have 2 internet payday loans. 1 with Spotloan and the other with Power Financial. I live in Texas. I have 1 for 550.00 and have not made my first payment. The other is for 600.00 and I have already paid 2 payments of 97.20 to themhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in very deep credit card debt. How can I get out of it?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ well I recieved a letter today from SD AG stating that they contacted westernsky in my loan matter and that they have t 20 days to respond. So now Im doing the waiting game has anyone gotten a response after the AG step in when dealing with these ppl or should I continue to send emails to them during the waiting period. At this point I would just like to have a paid in full and them off my credit report.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out 2 payday loans online ,I gave my correct bank info and wasnt able to pay it back now they are saying they are coming after me for civil judgement and criminal for fraud, I have 300 for one and 260 for another, I live in michiganand these are people that are being mediators and they are saying I could go to jail and I am scared, help please I really need it:(http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ someone is taking money out of my account with this name. I dont even know if this is the correct companyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have $40k in credit card debt, $25k in attorney fees, $5k in VA GI Bill debt for withdrawing from courses, prob about 5k IRS fees and penalties, and $62k in student loans. I want to file for a chapter 11 or 7, whichever I am eligible for. I am a combat disabled vet and my only income is my retirement and my social security disability. What are my options?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does any one have a copy of a standard complaint and what should be included in it for illegal lenders that they can share of here for all to use as a guideline?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi . . . I will be as brief as possible. I guess I don’t know my rights as I should. I’ve help a lot of people, but when it came to me needing help, well, you all know that story. I live on disability, had a few financial difficulties. Tried everything I could to get caught up. My dog became seriously ill, to the sound of $1000.00. I applied online for 3 payday loans. Ameriloan (350.00), USFastCash (350.00) MultiLoanSource (400.00) Not trying not to repay any of these loans. Problem is, I have people threatening to arrest me for no reason, threatening affidavits on my ssi #, calling my reference numbers, charges against my checking account that I have no idea who or where them came from, withdraw more than initial told me, withdraw initial withdrawal date, cause my account to over draft, etc. I’ve tried to work with my bank, Indiana University Credit Union, trying to get them to put a strong hold on my account or open a new account, They refuse stating they have no idea want a strong hold is and can not close an account that has a loan owed on it. One of these people actually connected me to a debt consolidation company, Progressive Debt Relief, who I actually am trying to work with but after two months of jibble jabble, I’m given up. I now find myself deeper in the whole, I recently had electric and cable shut off, not to mention other bills not paid and yes barely any food in the refrigerator. I simply want them to withdraw the initial 50.00 they stated, stop harassing me and my friends for no reason, stop taking unnecessary withdrawals from my account, stop over drafting my account. I’m ready to change my direct deposit and walk away and call it even. Any advice would be appreciated:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out and paid back a USFASTCASH loan several years ago. Yesterday I recieved a check in the mail from them for $300.00. In the memo it says Customer Refund. There is no other correspondence with it. The check is drawn off Welch State Bank Of Welch in OK. I am afraid to cash it. Does anyone know if this is a settlement or a scam?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I now know that Zest Cash or Spot Loan is an illegal tribal lender. I have notified them many times that I have paid back principal, actually overpaid, and I am done with them. I keep getting the run around from them. Just wondering if anyone has actually had any luck getting them to agree that you are paid in full, and if so, what did you have to do to get them to agree to that. Tired of dealing with them! Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I note the question above - and I understand the programs and all the factors. I was aboing to join a debt consolidation program, but a noted that Gunkydevil above me asked about debts to similar agencies - unlike major credit cards. Could anyone answer both of our questions at once? Do the pay-day loan or online loan places like s/he talks about usually cooperate? I dont need a smoking deal from them. I just want terms and the phone calls to stop. Help anyone?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ our second mortgage was charged off after being more than 180 days late and while we were in chapter 13. when our chapter 13 was discharged it was stated in our credit report that the second mortgage had been included in our chapter 13 and was discharged also. it was in the amount of 89000.00 the status of our discharge is oct. 03, 2012 does this mean we dont owe this debt anymore? the second mortgage was with citibank :confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was looking over my credit report and saw that there was a account for you on there. Can you please help me figure out what this is so I can get this taken care of. CONTACT INFORMATION REMOVED PER TOShttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am just wondering if netpdl.com is legal in indiana. I took out a $200 loan, and have already paid close to $300 of it back. I notice each payment only goes in to interest ($79.00) while I am charged $158 each time :mad:. I want to be done with this, and I am thinking they are not legal. Can anyone confirm this? Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I have three loans: Paydayone-loan-1100-owe-850-principle paid Spotloan-500-owe-450-principle paid Netcredit-2500-owe-2200-principle not paid I live in WI and I believe all of these are installment loans. I would like to consolidate them or find a way to reduce the payments as I am paying biweekly payments that add up to around 1100 a month. I have reduced the loans I have had out from 7 to three and reduced the monthly payments down 900 dollars. I am still hurting and need to find a way to decrease the amount I pay per month. Any help would be greatly appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Found out today that my checking account has a garnishment/levy placed on it. This is for an outstanding credit card dept that I do owe. Just cant pay it now, no job, no income, no savings, no personal property, just fing rock bottom, for now. But things could be worst. Received and signed papers/summons for lawsuit. Papers were served properly. No court date. Instructed to file with court my response. I have no response, I owe the money. CC/CA got judgement. Did not receive garnishment notice from court. Opened new checking account when I moved to Colorado hoping to fill it up from work, fat chance. I have had zero contact with collection agency. Have not filled out any paper work with my name, ss#, bank name or account number. Have not used any checks.The account balance is zero. How did they get the bank name and account number? Is the garnishment a one day event and do they have to file with the court each time. Think of starting a business in CO. It will be a partnership. Should my name be on the business account? Should the business be a LLC? Will be filing for bankruptcy. When I can pay for it. Thanks for listing.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello all, I posted this on the wrong forum at first, sorry :) First off, I have to say that this forum is phenomenal with the amount of knowledge that can be found here. I have used this in the last 60 days to figure out more info on collectors and negotiations I have been working on. I am a first-time poster, and here is what I need assistance with: I am working with Citi cards to pay my account down. As of my last statement, if a payment was not received, I would officially enter 6 months past due, and go to a charge-off state. Amount owed is $5700, and each month $133+ interest and $35 late fee is added since I have only paid them a total of $325 in the last 6 months, and was past due even before that. I was on a short-term plan in February 2011 which lasted a year, so I am not eligible for a new plan until February 2013 since a year between plans is required. This month I was able to pay $370 which takes my account into 5 months, and the next billing cycle will happen this week. I have been in constant contact with these guys, and I cant seem to get anyone there to put me on a plan NOW, they say i have to wait until February. Because my wife and I are both back to work and I have now caught up with everyone except Citi, I am prepared to get on a plan but need to know the best way to qualify for it. I want to pay them off, but cant keep having all the late and interest fees added because its just going to make it harder. What advise do you have? What else do you need to know about my situation? What should I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 payday loans in Boise Idaho. One is through Money Tree for approx. $900 and another through Alpine Loan for approx. $700. I want out. How can you help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Werent through rough times of course opened up some loans and have been paying but recently my checking account was compromised eyeteeth someone gaining abscess to my checking account opening a pay day loan and other things.I caught it in time and my bank confirmed , closed my account and filled a police report.I live in Houston Texas.the IP address was from Cal.I WAs told That one of the companys either sold my information or it WAs stolen.it got me thinking and worried and now wondering if any of these companies listed are legit or license in Texas United cash Cash Web USA Green trust Archer direct Us fast cash Please helphttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone know if there is a way to postpone one of the payments on the blueridge law group schedule. I need to put a months worth of the fees towards my home utilities. I only have 6 more payments so and one more lender to pay off. I am torn about what I can to in this situation. I want to complete the program to resolve the last debt. :confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hello, if anyone could offer an advice please help: in 1997 I was in college in MA and signed a promissory note for about 3000$. I was poor and not able to pay off that loan as I left the college after they did not offer full finananical aid. somehow over the years they calculated those 3000 to have reached 28000. I never signed any additional documents. They were never able to get in touch with me but the debt has been sold over and over again as I had to ask in writing several credit collectors to stop harassing me since the debt was over SOL. now i live in FL and a few months ago I received a phone call into my voice mail from yet another new debt collector. I ignored it. This week they sent a person who seems to be a process server to my door. He has been relentlessly knocking on my door and windows.I was in shower once and he came up to my window, I asked what was the issue and he said he is looking for a missing girl and if I could come out the door. I am not sure what to do. It has been almost 15 years since the original date of the promissory note to (a private) college. Should I open the door and take the papers or what can I do? I need an advice since I am in real distress. Thank you. I appreciate your help, anyone:) early Happy Thanksgiving!:)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have sent letters to Cash Call and the AG in SD and CA. SD sent me a response that Western Sky had 20 days to respond. California gave me a different address and number to better assist me. I have resent letters to Elissa Chavez (may not be spelling it right since I dont have my notes in front of me) and Cash Call almost daily and I have received only two responses. Both saying my balance and that if im unhappy with the terms to pay it off. I borrowed 2600 and paid over 5000. I tried asking for a refund. I even said I would accept a PIF if the account was closed in good standing. I have been very aggressive with all my letters. Today I noticed they posted to my credit report that I was 30 days late. This is really frustrating. Anything else I can do? Even Plain Green Loans who is suppose to be a tribal owned company as well was easy to work with and I borrowed 1400.00 from them. They responded quickly and settled on my principal only balance with no problems. Any suggestions would be great. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ is mypaydayloan company legal in the us or in oklahomahttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loan out with white hills cash. I live in Kentucky where all online payday loans are illegal, and have sent the cd letter to them. They are claiming the loan is still valid because they operate in a native American soverign nation, and have soverign immunity, but they will settle with me for half my principle balance. Is this valid?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently got a call from two different family members saying this company capital harris miller called them. They told my family that I had a claim and a case against me. When I called during off peak hours there was no company precording. And I am wondering if they can serve me for a payday loan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Stumbled upon this forum while researching info about credit card skimming.It happened to me on 11/13/12 at a gas station. Anyhow-My wife and I both had PG loans due to a very unfortunate circumstance that fell upon us.We were scattere brained and turned to Money Mutual for assistance-They directed us to Plain Green Loans. Both of us acquired $800.00 loans.Wife has since paid back $971.60 of hers and I have repaid $369.63 towards mine. This Forum and the information provided by all empowered us to attack PG back and get out from their Money grubbing grasp. I spent all day researching Washington State Payday/Cash advance laws and regulations.Reading thru a pleothra of posts and threads prior to meeting with my bank to start the process described by SoapLady and OhioGal1. The bank Chase initially provided me some resistance when I asked to make the checking account deposit only or Place a hard block on it.Until I informed them I have the Legal Right to request it. I then went home and submitted very precise and descriptive letters to PG Demanding ACH Revocation and removing wage assignment-citing multiple illegal actions on there part and the legal requirements set forth by Washington State Lawmakers for payday/cash advance loans. I then submitted claims with the BBB,Washington State DFI,Washington State AG, and the FTC for both loans we received. I received a response early am on11/14/12 stating they would give me the opportunity to repay the remaining principal of $430.37. My wife received her notice the next day stating we are sorry you are not satisfied and they reviewed the account and are willing to consider the account paid in full and will close the account.Also removing all contact information from their system. Now I suppose only time will tell if this all goes away.But from all the negative feedback I have read on this forum alone,I dont see that they have a leg to stand on.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a loan with My Money Chest -- Lainsbridge LLC (mymoneychest.com) for $900 and paid $1,143.00. I live in Indiana and sent the ACH and wage assignment revocation (closed my bank account and opened a new one at another bank). Today they responded they are not a payday loan company, but offer a line of credit and the bi-weekly payments I made were fees to keep the account active until I could pay down. They also said they were licensed in all states. I asked for their Indiana business license # and they responded to go to their website and it would provide all information I needed. They also stated that it was apparent that I was not going to fulfill my obligation to repay the line of credit and would proceed to a 3rd party collection agecy. I was not able to find anything about licenses. I would appreciate any advice on how to proceed...are they a payday loan company or not? So confused on what next steps I should take. Thank you for your time!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Do you have to change your checking acct # when you consolidate??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Any advice on what, if anything I should tell the payday loan people calling asking for their money? Debra in Calif.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Need to consolidate to one small monthly payment. Already getting phone calls I want to pay unable to make minimum paymentshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So, I still have not heard a thing from Cash Call regarding my loan that originated from Western Sky. They are still reporting to the CRAs of course, but unless Im mistaken, they are only reporting that I am delinquent, but the balance isnt going up... Ill have to double check. I sent complaints to the South Dakota AG, and the California AG, and I got responses from both saying that they forwarded the complaints to the respective companies. So now Ill just sit and wait. Still trying to dispute with the CRAs to no avail yet...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I defaulted on a loan from US Fastcash due to family hardships. I live in Alabama and found out they they are illegal. I have send 3 letters to them over once per week over the last month saying the below: span style=font-family:Calibri span style=font-size:2;span style=color:red;bOctober 29, 2012/b/span/span/span span style=font-family:Calibri span style=font-size:2;span style=color:red;bTo whom it may concern,/b/span/span/span span style=font-family:Calibri span style=font-size:2;span style=color:red;bRe: Account for XXXX XXXX: /b/span/span/span span style=font-family:Calibri span style=font-size:2;span style=color:red;b Application Number: xxxxxxxxxx/b/span/span/span [FONT=Calibri][SIZE=2][COLOR=red][/COLOR][/SIZE][/FONT] span style=font-family:Calibri span style=font-size:2;span style=color:red;b2nd Attempt at Contact:/b/span/span/span span style=font-family:Arial span style=font-size:2;span style=color:red;bDear Lender, I am requesting that you cease and desist with your efforts to collect on the debt referenced above/b/span/span/span span style=font-family:Arial span style=font-size:2;span style=color:red;bIt has also come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. /b/span/span/span [FONT=Arial][SIZE=2][COLOR=red]bAlthough I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $300 and have made 6 ???renewal??? payments [ (4) for $90 and, (1) for $140, and (1) for $170.00] Totaling $670.00, which were withdrawn from my checking account. This results in an overpayment of $370./b[/COLOR][/SIZE][/FONT] span style=font-family:Arial span style=font-size:2;span style=color:red;bAt this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $370 overpayment. A refund check of $370 should be mailed to me at the address you have on file. At this time I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. /b/span/span/span span style=font-family:Arial span style=font-size:2;span style=color:red;bI have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked./b/span/span/span [SIZE=2][COLOR=red]bspan style=font-family:Arial Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email./span/b[/COLOR][/SIZE] [FONT=Calibri][SIZE=2][COLOR=red][/COLOR][/SIZE][/FONT] span style=font-family:Calibri span style=font-size:2;span style=color:red;bThank you,/b/span/span/span I have not heard from them at all. I have emailed them at their customer service and collections department. span style=font-size:4;bWhat should I do now?/b/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out a loan with Great Plains -- $1,000.00 have not paid anything toward the principal. I sent the ACH and wage assignment revocation letter to them and said I would pay the principal at $100.00/month. Great Plains responded that they removed the ACH and contact info from my account and accepted they would agree to me paying the principal only, BUT at $250.00/month in 4 installments. Should I push back and re-iterate that I will pay the $100.00/month as I stated in my original letter. By the way, I did close my bank account and opened a new one at a different bank. Any advice would be appreciated. Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ [COLOR=black]span style=font-family:Arial These people are horrible! I sent the revocation letter back in Aug and told them that I still owed them 350 on the 500 loan I had and I wanted to schedule payments with them. I heard nothing from them until approx. 3 weeks ago. Then I got a call on my cell phone, work phone and home phone. /span[/COLOR] [COLOR=black]span style=font-family:Arial /span[/COLOR] [COLOR=black]span style=font-family:Arial The reps are the most obnoxious people I have ever spoken to. The reps just talk over me and I just tell them until they can be respectful I won’t talk with them and hang up./span[/COLOR] [COLOR=black]span style=font-family:Arial /span[/COLOR] [COLOR=black]span style=font-family:Arial I have told them they aren’t licensed and the interest rates are beyond what legally allowed that I will pay what is legal in the State of MN and nothing more. They accuse me of wanting free money, I’ve explained that I have been more than willing to pay the principal I owe, but I will not pay the 850 they want on a 500 dollar loan. /span[/COLOR] [COLOR=black]span style=font-family:Arial /span[/COLOR] [COLOR=black]span style=font-family:Arial Yesterday I sent them a cease and desist letter via fax and they have called 2x more! I answered the phone yesterday evening and told the rep that they have receipt of a cease and desist letter and that they are in violation of the FTC rules and hence subject to a fine, but she didn’t give a damn and kept on talking that I owed the money and how was I going to pay. I told her I wasn’t going to discuss this via the phone that the only method of communication I would deal with was US mail./span[/COLOR] [COLOR=black]span style=font-family:Arial /span[/COLOR] [COLOR=black]span style=font-family:Arial Any suggestions? I plan to file a complaint with the FTC, but whom else? :confused:/span[/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Got a letter from collection agency to me and my bank requesting my banking account info. Can they dothat? Can the;y get money out of my account?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am a born again child of God but I think I am not disciplined enough to stay out of debts, could you kindly advise me how can I come out of this debtshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My loan with check n go is for 1500.00 Payment is 586 monthly. I would like to contact their corporate office to get an EPP for it because my funds are really tight trying to get out of the mess i have gotten myself in. My question is has anyone else got a EPP from them and if so what kind of payments did they agree upon for you. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I wanted to take a moment this morning and thank each and everyone one of you.. I am so thankful that I found this site and am getting my life back on track - Loan Free!! I know that none of us know all of the answers, which is what makes this site so great, no one is looked down on for not knowing the answer and asking questions. Everyone works together to help others and each other. So, Thanks again to all!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there, I needed some help with my situation. Back in 2007/2008 I had a credit card and I had delinquent payments. I was not able to pay them off for a few years and it was sent to collections. I didnt hear from collections in a while but in 2011, a collection agency (Northland Group) sent me a letter stating they would be willing to drop the amount owed (including charges) which was about 2,900 dollars down to about half if I paid in 3 installments or in full. I was definitely not able to do so but I emailed the agency asking if I could pay 100 a month since I would be able to afford that and they agreed. I have paid the amount ON time every single month since then and recently I received a letter (my balance was now 1,890.00) saying As per your request we wish to advise you that your account with the above referenced client has been resolved. On belahf of Capital One Bank and Northland Group inc, thank you for resolving your account. What does this mean for my credit report? Since I have been paying off collections and have the bank statements to prove so. My credit report also says that the Estimated month and year that this item will be removed: 12/2015...Its almost as if I have been paying every single month for absolutely nothing. Im a college student and I will have this charge off stay on my account for 2 years? I cant get approved for any credit cards whatsoever, can I even do anything about this at this point? I even have the letter saying my account was resolved. Id appreciate any help. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Washington State and have 3 loans. On with Plain Green, one with Cash Call (sold from Western Sky), and one with Ameriloan. I have repaid the principal and then some on all these loans. What are my rights in Washington state?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had enrolled in a debt settlement program and had been told that the program would accept payday loan debt as long as the creditor sent the account into collections. I had a law firm assigned to me and a lawyer. I found out today that this was incorrect and that the original representative for the debt settlement program gave out false information. Apparently in Ohio, the law states that payday loans cannot be put under debt settlement programs. I am now stuck in a situation that I need advice on how to repay. I did find in Ohio law that it is illegal for payday loans to operate via Internet (which majority of mine are through) without having a location within Ohio. The companies I used are all Indian sovereign nations. I do not know how that works in regards to the Ohio law but I need someone to help me with this please. I have received a message that a legal courier is coming out on Monday to have me sign some paperwork because one of the companies (dont know which one) is filing charges against me. Need advice on whether I should sign or not.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Over the past year, due to some extreme and unexpected life circumstances, I became trapped in a payday loan nightmare. I dealt with two companies mostly, but six separate companies since last November. I found out through this site that they are all illegal in Connecticut, where I live. I followed the step-by-step instructions I found here re:closing my account, writing and emailing the letters I saw here, and following up with copies of these to BBB, FTC, etc. My bank manager was great, and I opened a new account there. The company I previously worked for has left the state so I am no longer working, which in this regard, as far as threats of garnishment and contacting employer, is one less thing to worry about. So far, so good. Several phone calls/emails requesting $$ at first, which have now slowed and/or stopped. I have overpaid on all of these loans, with a combined total of interest/fees equaling at least $2,000.00. I have requested to all that refunds be sent immediately and no luck to date (all contacted w/in the last month). Does anyone have advice, or success with recouping their losses from any of these lenders? Any help or suggestions really appreciated! :)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I acquired two payday loans to help during a bad time and now I cant get them to stop taking money from my account. I borrowed 500.00 from Sure Advance on 7-31-12 and theyve taken 859.00 this past 4-months from my account and are telling me today that I still owe 488.00. I got scared and called the other place. I got 1000.00 from Its My Pay Day through National Opportunities Unlimited on 7-11-12 and theyve already taken 1820.00 from my account and state I still owe 800.00. I think I got desperate to catch up bills and got scammed. What do I do at this point? How do I find out if they are even licensed in Oklahoma for loans? Im really stressed and dont have the finances to keep paying them.These people are worse than loan sharks. Please help me.:confused::confused::confused::confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have a physical address for my cash now? Ive had some loans with them that I have paid an exorbitant of interest on previous loans so I want the loan I have out now to be marked paid in full. I live in PA and from what Ive read they are illegal here. PA is also a state where wages can not be garnished for consumer debt. Any thoughts appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received the same letter for an Premier card I had a few years back. If one was to accept their offer and card, how would it affect your credit and the old debt? Does anyone know if it would it show as a account that youre currently paying on??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I followed all the steps in soaplady and then waffles topic to cease and desist. But now there calling my work saying that I can be thrown in a cell if I dont pay please help me :( can I be thrown in jail . I told one guy I needed time until tomorrow he told me if I dont pay by 1 PM central time tomorrow he is coming to my work with handcuffs what do i do I dont want to be thrown in jailhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been referred to a company called Debt Pay 1 to help me resolve my PDLs. I see that on their site, they reference being a member of this (DCC) website. Has anyone worked with these guys and if yes, how was your experience? II am not behind on my PDLs but I am only paying interest and not reducing the principal. Furthermore, I think I have paid enough interest to pay the loan off twice. Funny, but true. Any information you may have would be appreciated. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ bI posted this in another thread regarding Ace, but I didnt want to hijack it further and could use some advice. Please forgive the length---theres the backstory and now a new development in bold./b Be VERY CAREFUL setting up ANY sort of plan with Ace. In accordance with my states very explicit and specific laws around PDLs, I was granted a 7 day extension in which to set up an appointment with a Credit Counselor. At that time, and upon receipt of a letter from an approved Credit Counselor saying I had made an appointment, I would be granted another 53 days in which to have said appointment and then subsequently pay off my loan. Not only did I make the appointment, I completed the appointment the same day, and my counselor faxed in the appropriate documents five full days before my extension of 7 days was up. Twice. Ace pretended to never have received the paperwork, and drew the ACH the day the loan was originally due. After 2 days of dealing with snotty, verbally abusive reps from Ace who told me that debt counselors lie all the time, regardless of the fact that I AGAIN had the counselor send not only the paperwork but proof it was sent to them (now a third time) via fax receipts showing the fax numbers legally registered to Ace Cash Express---I went to my bank and filed a fraud report. I then opened a complaint with the Office of Financial regulation. I was advised to contact Ace once more to attempt to set up a plan, as I never had any intention of not paying it, but after 2 hours of being transferred, hung up on, and screamed at---screw them. Not one of them would send me ANYTHING in writing. THEY violated the implicit law of my state, I can prove it, and I refuse to continue to attempt to make good on this loan if they arent willing to participate. They behave like animals, therefore I will not play this game any further. Too bad for them---they broke the law when I did everything I was asked to do to fulfill state regulations. If you enter into any sort of agreement with these piranhas, get it in writing and FOLLOW UP DAILY. b To add to my above, this morning called my banks customer claim center today to be sure they had received my paperwork. I was told that /bbbthe temporary credit given back to me will either be reversed to my detriment OR the merchant will owe the bank./b I was immediately confused as ACE has sent my account to collections. Lo and behold, although Ace is claiming they never received the ACH transfer and have sent my account to collections, my bank states they did indeed get the money (which I already knew). So: I now am dealing with the violation of FL law, but also a complete meltdown of reality from Ace. Truth be told, Id RATHER they had simply not gotten the ACH and put me in collections, but in reality they not only HAVE my money but are now trying to double dip by putting me into collections so I will set up a payment plan. Im waiting to hear back from someone in the office that actually does the groundwork on these cases with the bank so I can give them this information (as the nice lady in India couldnt do squat for me ) The Office of Financial Regulation is a joke---my caseworker was all but defending Ace (gee, Ive never had problems with them before) and couldnt give me any outcome scenarios---in other words, I asked so what will your office DO after you discover this illegal behavior. Whats the point? If anyone has an idea of a useful resource to go after these bastards, I would sure appreciate it./bhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i live in CT and took out several payday loans - justvbecause I reside in CT the lender that provided the loan may not be in CT is any loan for a ct resident illegal? need clarificationhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My bank refuses to close my account as long as I have ACH payments set up, or to stop payment on ACH transfers. I have 11 outstanding payday loans. span style=color:magenta;Stop payment requests cannot be issued within Old National Banking on any type of electronic transaction (including, but not limited to, Old National check card transactions, automatic debit payments and other ACH payments)./span span style=color:black;I am 1117 dollars overdrawn NOW, and it is just going to get worse./span Help me please.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Got a call from the in laws yesterday that someone at this company had called them about money that I owe them. What is the best way to approach this company? I dont know who they are or what I supposedly owe them for. I believe that the law says they are not allowed to call family or friends and discuss the matter with them. I want to tread carefully on this so I am not sure if I should call the number they left or if I should put everything in writing. I looked up the company online and it says they are primarily student loan debt collectors. I dont have any student loan debt.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A pay day loan office sent my check to the bank, and then I sent my husband in to pay it and they took his cash. Now, They have been paid in cash and check through the back. Is this legal?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I have one with UsFast Cash for $300 havent paid back anything yet. And I have one with AmeriLoan for $300.00. In the process of applying for these two, my checking account information was stolen by a company called Hydra fund III they also deposited 300.00 in my account and then started to debit 90.00 every three days, which I never gave them my checking info or ask them for a loan. So I closed the checking account and I am now trying to repay the first two above. But they are telling me that I now owe them like $580.00 a piece. So can someone help me in this matter and tell me how that I need to handle this. Thanks Scotty I do live in Tennessee.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 11 payday loans and need to get out of this vicious cycle. Im working 3 jobs just to pay them. Does anyone know the laws in Indiana? 500 fast cast United Cash Loans Seaside Cash Loans Sure Advance Govt Emp Loans Integrity Advance My Cash Now Liquid Cash National PDL Refi One Click Cash Cash Yes Directhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had an account with Chase Bank. I could not pay them so they sold my account to a collection agency. The agency refused to work with me to make my payments affordable. I just received a letter from another collection agency/coucelors at law stating that they have bought my account from Chase. My question is, how did they purchase my account from Chase if Chase already charged off my account and sold it to ther first collection agency. Is this even legal? How do I go about not getting ripped off. I want to pay them but I want to make sure I am paying the correct people.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, Yesterday I outlined my situation on the Washington State and Illegal pdl thread. I recieved some great advice and drafted a CD ACH and requested a refund from Usfastcash and St Armands. this morning I recieved this email in response to mine: Dear (deleted): We respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan, it would have behooved you to read the complete contract you agreed to with St. Armands. You are a citizen of Washington, however the contract was not made in Washington. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature are the laws of the jurisdiction in which the lender is located. When you spoke with Daisy on 8/23/2012 at 2:09pm CST, she clearly outlined how the loan works and what the finance charges were, yet you still accepted the loan. We would be willing to settle with you for the principle amount remaining on your account. We could initiate the debit to your account of $300 on your next due date of 11/16/2012. If making one payment to payoff the principle isn’t possible for you, then another payoff arrangement may be available. Please call to let us know how you would like to proceed and ask for me directly. If I am not available, then please request a supervisor. You can also have the debits stopped on your account by placing a stop payment on our debit. This will result in your being sold to outside collections. CWB Services LLC. My question is: the Internet isnt a governing body right? Im 90% sure they are just scumb trying to take advantage. I sent them yet another email outlining my state laws that Internet payday loans are illegal and that I owe them 0 as Ive paid $450 already, infect they owe me $150. Anything else I can do??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This agency, CCS, at the phone number shown above, has officially scammed me over a PDL. I panicked and was scared and I now have a payment plan set up with them to start drafting tomorrow. I need to call them to cancel this and break the arrangement. However, I cannot find anything online about them. They are affiliated with Plain Green Loans. Does anyone have any information on them? Address? Fax? E-mail? Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Still have not heard anything from Plain Green since - 10/15 telling me their offer from 10/7 that I need to pay $537, even though I have over paid them by $1002. What do I do next, or just wait and see, I was emailing them weekly, do I need to continue. Or just ignore and see what if anything they do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, Thanks in advance for the help! My husband and I had a few emergencies pop up all at once and ended up coming up short on bills. To save our pride we decided to take out a payday loan online. BIG mistake. We live in Washington State. Our first loan was through USfastcash for $550, we paid it in full and probably around $1800 all together (have to double check bank statements) Paying off that loan left us broke, they offered to loan again and like dummies we did it, another $550. So far we have paid around $1200 on that one and STIlL owe! We took out another Internet pay day loan called St. Armands for $300 to pay the usfastcash loan. St Armands was taking $90 payments every 2 weeks until WE set up the principal payment of $300!!!!!!! I figured we were paying principal the whole time, but no. We have paid at least 8 payments of $90 and none of that was even principal. We could no longer do it and closed our bank account (well blocked it because we have a few things pending) We opened a new account and now that the loan companies no longer have access to our account, they are calling work, emailing and calling us. All in 1 day. Also, we have been getting harassing calls from someone in an Indian accent ever since we signed up for usfastcash. My question is, where do we go from here? Thank YOU on advance!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was contacted today by my bank stating that LVNV garnished my checking account for almost 3500 dollars, Ive never heard of this company, never talked to anyone from this company, dont have an account or anything with this company, and I believe the so called debt has reached its SOL. I cant afford to have my money taken by them right now, I live under the poverty level and and they took my moony right before rent was due, I need my money back. I have children to feed and a roof needs to be kept over their heads. Please tell me What can I do?? How can I stop this and get that money back? Please some one help .http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have $4000 dollars in pay day loan debt that I would like to pay off.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am near the conclusion of my student load default rehabilitation with GC Services. They say it is time to find a bank to continue working with. . Numbers: Current amount due: $3,300 Monthly payment through rehabilitation: $60 / month . They sent me some paperwork to fill out and return which includes a form where I assent to collection costs of 18.5% of the loan, which is unfortunate but seems unavoidable. There is also a statement saying I agree that the lender may capitalize any outstanding accrued interest at the time of the Rehabilitation which I assume means that they will include the accrued interest in the amount that I owe them. bIs that correct?/b . In addition, there is a form asking for my bank information (including routing and account number) giving permission for GC Services to continue to pull the agreed monthly amount from my account until the loan is rehabilitated, at which time this form also authorizes CREDITOR to continue with the automatic debit entries upon completion of the rehabilitation program. The amount debited will be based upon the new terms of my rehabilitated loan(s). . I have a lot of fear about filing this form. Looking around this forum and others, there are so many people claiming that GC Services is just a scam and saying never, Never, NEVER give out your bank information because they will rip you off, etc, but its so hard to tell if these are people who are just mad and frustrated or if theres a real danger there. . bIs working with GC Services dangerous for me? Will they rip me off?/b . My second concern is that Im signing a form allowing the new creditor to take what they want before I know what that amount will be. Im not comfortable with that. If the amount is reasonable ($60 - $90 / month), then I would like to go forward with this process. . bWhat are they likely to want per month? How do I find out?/b . One last thing: bIs there any advantage going to my local bank (or other institution) to see if they are interested in picking up the loan, or is it best to continue with the process GC Services has begun? /b . Thanks for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ what is the best way to pay midland funding so that i have a record of paymenthttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took a payday loan out with EZ Money Loan in Texas and made payments as well as when I lost my job let them know I closed my bank account. The fees they were charging me were continuously growing no matter how much I paid :( I was pregnant and ended up going in for emergency c-section and not able to go back to work. I contacted them and let them know I have paid more then the loan and could not do it any more. That was 2 years ago, today some lady called me stating she was an attorney and would have 2 felony charges against me for not repaying this as well as because of them attempting to cash the check that was left on my file even though I advised them the account was closed. She bullied me and I gave her my cc number for a first payment. But then I searched her name in the State Bar registry and found nothing. I called them and they told me to ask her for her Bar Card number. She very pissy gave it to me as well as some threats of how much she COULD charge me if she attaches her fees. And that she was being nice about it. Her company is Legal Outsource and the web site she gave me is bogus. The real Legal outsource has no record of me. I called the State Bar back with her Bar card and there is no such attorney with that bar card in Texas. My visa card called because the company that charged my account came up suspicious and they have canceled the payment due to concern. Can I get arrested for this ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I somehow have managed to get into way too much debt. I have two payday loan checks, four short term loans, and one title loan. I cannot keep my normal bills caught up and pay all these payments every month. My car payment, electric, phone, cable, and rent are all behind because of them.I try to work overtime but I cant alway get approval to do so at work. I recently tried to get a loan from an internet debt consolidation company but they just wanted bigger and bigger down payments. Now I have to wait 30 days for my initial down payment to be refunded. I need help desperately. I dont want to lose anything or get evicted. I have children that need new clothes and wont stop growing. Any advise? Are there any good debt consolidation companies around? I already tried the bank.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ my state is new hampshire I have asked and gotten rid of 3 loans on my own-mostly just begging and being broke although its not working on the following: Payday nation borrowed $600.00 pd $930.00 Ameriloan bottowed $600.00 pd $738.00 ezpayday borrowed $400.00 pd $360.00 span style=font-family:Calibri Emerald marketing group LLC borrowed $300.00 pd $180.00/span span style=font-family:Calibri SDS Processing borrowed $200.00 Pd $60.00/span span style=font-family:Calibri CWB services borrowed $ 300.00 pd $90.00/span span style=font-family:Calibri G5 services borrowed $300.00 pd $215.00/span Greentrust borrowed $400.00 pd $485.00 also have 500fastcash but they have settled with me for $247.00 devided into 2 payments. My checking account is sitting at a -$1300.00 todate because they wont stop hitting my account even after i revoked all ACH withdrawals last week. Im also dealing with Cash Call borrowed $2500.00 Paid back $4700.00 so far do i have to pay them anymore they keep calling asking for payment although they did send a response that they have noted my account as the ACH is revoked. Please help any advice. I am now like 44 days late on car loan- 3 weeks late on mortgage and 30 days late on all utilites... im so not doing this ever again but i needed fast cash with a dieing mother in law in florida back in April... :( [FONT=Calibri][/FONT]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ The situation that has arised is I have PDLs due to come out of my account starting from tomorrow. I have already revoked my ACH authorization from them but they have not responded to the letters or e-mails or faxes. I put a NO DEBIT STATUS on my account today. Due to pending transactions in my account they cannot close my account today and tomorrow the PDL companies are going to try to debit my account. I was assured that with this NO DEBIT STATUS on my account nothing can be debited. My question is though once they try to debit my account tomorrow and it does not go through how long after that transaction will they try to debit my account again? I need a 24 hour window to remove the status and close my account permanently. My bank stated that if I close my account it will happen over night not immediately and I dont want to take the risk of removing the status and while trying to close the account overnight the company debits the account... HELP PLEASE!!!!! I need some advice!!!!:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was contacted last week by CCR because I have an old payday loan I never paid. They said the same #$* to me. Going to take me to court, convict me of fraud/writing bad check, garnish my wages, take my taxes. But they wouldnt allow me to mail in a payment and wouldnt provide any proof that they purchased the debt from the company I owed. Everybody told me not to pay so I didnt. Well yesterday I get a call from a different company RAS, saying that they own the debt and I need to pay them. So I have two companies trying to collect on the same debt and both call each other a liar. WHAT THE HELL!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I was very proud of myself, I remained 4 years without having to take out a PDL. However, earlier this year I had to give in.Times have been tough, and I couldnt go to anyone for a small loan. I went to Plain Green Loan, and took out the loan. I was paying it back at a reasonable amount every other week, however I had an issue with my bank account and had to close it suddenly. One of my payments to them bounced back because I couldnt get my new account information to them in time. I never received any e-mails from PGL, no phone calls, nothing. Yesterday, I received a call from what is allegedly my local county court office (at work no less), asking where I can have papers served to me today and that there were charges filed against me (the call came in on an anonymous line). They gave me the number for CCS (Im guessing a collection agency) and told me theyd give me 30 minutes to get it resolved. I called CCS, and they told me that PGL has decided not to sue me for the amount, but charge me with writing bad checks, and that it could lead to potential jail time for fraud. I admit, I panicked. When I asked for notification in writing, they said they could not provide it to me because they already e-mailed me several times and maybe it went into my spam folder. I never received a phone call from PGL or CCS, never received a letter, nothing. Has anyone ever experienced this before? I have agreed to make a payment arrangement (I know, stupid move on my part), but I was in a rush, it was during work, and I couldnt really take the phone call that day as I was the only one in the office at the time and I had phones ringing off the hook. I just dont know what to do next. I feel like ive been duped, and Im probably right about that. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I changed my personal cell phone number 2 weeks ago and they already are calling it - do they have that right to obtain, i pay for each call so its an expense to me, they need to work with my attorneyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Mississippi and have and outstanding payday loan. They are calling my job and threatning to sue. What should I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So, I just got a call from this chick named Charlotte (forget her last name) and she told me that I have server all fraud cases against me and I need to contact this 888 number and she gave me a reference number. When I asked her for the names of the companies, she wouldnt tell me. She was rude. Before she called my home, she had called my work several times an talked to my store manager and another manager and was rude to them and asked for my schedule. Also, at this end this current phone call, she said that now I am informed of this and shes writing it down. So, please, help ease my mind! I know payday loans are illegal in New York, but my stomach is in knots after this one. Please!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I further have an issue with Capital One. Capital one sent me a letter at the end of May stating , Congrats you car has been paid in full, and you should receive the tiele within 30 to 45 days. Well, at the time I was very ill(Disabled), and out of town, having a friend retrieve my mail. So during my illness i waited for the title, and any other paperwork such as a refinance letter of some sort since I knew I hadnt paid this bill off myself, but had put in for several refinance loans that possibly could have contacted Capital One. Well, after the 45 days or so, and still very ill , i gave permission to a close friend to call and find out what happen. The assistor refused to speak to my friend, so my friend explained the situation so that it could be notated on the account. Thereafter my friend sent in 2 payments to keep the car from going into a bad status. Thereafter I still did not receive any correspondence regarding the matter. Since then I have been waiting for this correspondence. So now Iam behind the two months that they had me wait according to the letter, and technically would only be 30 days late at this time. I am truly frustrated with this situation since Iam going to be considered 90 days late due to no fault of my own, and I have the letter i was sent. What gives...:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do you know if the PDL are illegal?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ All, Im new to his but from what Im reading I have had loans with My Cash now for some time now. I live in the state of Pennsylvania. Below are what I have had with them. Amount Borrowed Finance Fee Paid Principal Repaid Total Repaid $ 500.00 $ 770.70 $ 500.00 $ 1,270.70 $ 590.00 $ 766.43 $ 590.00 $ 1,356.43 $ 650.00 $ 809.97 $ 650.00 $ 1,459.97 $ 450.00 $ 185.54 $ 450.00 $ 635.54 $ 500.00 $ 93.10 $ 500.00 $ 593.10 $ 1,000.00 $ 119.70 $ 1,000.00 $ 1,119.70 $ 150.00 $ 25.14 $ 150.00 $ 175.14 $ 500.00 $ 107.73 $ 500.00 $ 607.73 $ 350.00 $ 58.65 $ 350.00 $ 408.65 $ 900.00 $ 346.87 $ 375.04 $ 721.91 $ 5,590.00 $ 3,283.83 $ 5,065.04 $ 8,348.87 What is their contact info? The last two loans on here Im still within my 60 day window so can have my bank do an ACH reversal i guess to get some of my money back. I do not want these guys taking me to court and causing any trouble with my employer.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there, I am looking at consolidating my bills due how do i begin the process?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i would like to speak to some one from the GE retail bank in orlando fl about closing my acount with lowes credit .http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i need to speek to the GE capital retail bank inorlando about closing my account .who do i speak to.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-family:Arial Black How far in the negative can your bank account go before you get a misterminer?/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I reside in Florida and found my self in need of extra cash to make ends meet; well I have a total of 6 (online) pay day loans. I didnt realize that I would be in this hole, because they are debiting so much, that each paycheck, I am broke...Could someone please let me know if these companies are legal? United cash loans $150.00 (1st payment) $500 Blue King pay day (Tribal) $ 132.50 (3rd payment) $400 Dollar Premier $150.00 (3rd payment) $500 efunds $75(50% off) when?? (1st payment) $500 sure advance $106 (1st payment) $400 loan Archer Direct service fee of $120.00 (2nd Payment) $400 Thanks in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I reside in Florida and found my self in need of extra cash to make ends meet; well I have a total of 6 (online) pay day loans. I didnt realize that I would be in this hole, because they are debiting so much, that each paycheck, I am broke...Could someone please let me know if these companies are legal? United cash loans $150.00 (1st payment) $500 Blue King pay day (Tribal) $ 132.50 (3rd payment) $400 Dollar Premier $150.00 (3rd payment) $500 efunds $75(50% off) when?? (1st payment) $500 sure advance $106 (1st payment) $400 loan Archer Direct service fee of $120.00 (2nd Payment) $400 Thanks in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received 2 1099c for cancelled credit card debt from 2007 which I paid for on my Taxes ( did not claim insolvency) but they still appear on my credit report and are still accuing interest, which is increasing my debt to income ratio. If the debts are cancelled, can they still be on your credit report as charge-off and can they still maintain the same amounts with interest still accuing? Also, what date will they drop off of your report, and can these accounts be resold?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently took out a cash advance loan with Western Union (or the pay day store). The amount was about $250 I believe give or take, plus the interest in taking out a loan. When the debt was due, I had lost my job and had no money in my bank account. They had tried contacting me on my phone, but shortly after my phone bill was due and had no money to pay for it since I lost my job, therefore the calls stopped. Its been maybe a month, maybe a little over two months since I took the loan and I still owe them money. I am afraid that since I havent been able to speak with them since then, that they are going to sue me or come after me, possibly put me in jail for it. Does anyone have any idea what they will do and how I should go about this? I really dont want any trouble and have no problem paying it back, but the only problem is that I am still without a job and still have no money left in my account. Help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ OK, So I have searched the forums and came up with the conclusion that most people on here frown upon using some sort of debt consolidation program. I can understand that they may charge a fee but it seems to me, that the ease of having them all into one and not having to deal with harassment and phone calls instead having a hard start and end payment schedule still seems a bit more easy going. The company in this very website seems to be helpful but im not sure who to trust anymore. I have contacted them and they are willing to help. They do not seem like a scam, after all they are apart of this website. I see the process of having to go through emailing and sending out letters so I was looking on a bit more advice on this topic.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We got into significant payday debt following some financial issues about a year ago and have been in an endless crazy cycle since then. I was so relieved to find this site! I had loans with the following: Fireside cash MyPaydayLoan.com United Cash Loans Great Plains Lending Plain Green Loans NetCash123 Mobiloans EverestCashAdvance PaydayNation Fireside cash, Plain green loans, mobiloans and everest cash advance have all already sent me paid in full notices. Im wondering what recent experienced others have had with mypaydayloan.com and payday nation since they are offshore. I searched the forum but didnt really find much about interactions with them. So far mypaydayloan.com hasnt responded at all and paydaynation has said that I owe them what I owe them and that because theyre in the UK they dont have to be licensed with the state. I replied to that email stating that lenders in Maine have to be licensed regardless of where their physical location is and also cited the Alliance of Online Lenders practices since their website says that they adhere to them. Any help would be much appreciated! Also, great plains lending says they wont debit my account anymore, but want me to pay back $513 in principal (after Ive already paid them almost $2500 over the course of two loans) and offered a settlement agreement. Thoughts?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This agency has been harassing me for a couple of years. The first time they sent me a notice that I owed over $100 to Verizon. Although I never received any such notice from Verizon I sent a check to Palisades. Now, a year or so later, they are trying to collect from me again for a debt they say I owe to Verizon. This time I called Verizon (they are no longer my phone carrier) and they verified that I do not now, nor have I ever owed them any overdue payments. I sent Palisades a Cease and Desist letter but they are now calling my home very day. Can you help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a letter today from my employer stating my wages are being garnished. When I asked for more information they stated it was through a Zwicker Associates. I have not received a phone call or a letter from them to even notify me of such severe actions. Is there anything I can do to stop the garnishment?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in NC and have pdls d=from the following: Cash Taxi My Cash Now Star Cash Processing Ameriloan Loanshop Huskhawk EZ Paydaycash Plain Green Loans I know these are all illegal and I am beginning the process of sending letters and revoking ACHs. My question is, as anyone had experience with these lenders? Are some easier to deal with than others? If I choose not to close my bank account (my credit union claims I will be ok), do I have to worry about them using a different name to access my account? Thanks for all the help. I actually see a light at the end of the tunnel. Also, I have been trying to register with the forum but am having issues. Any advice on that?:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ HOW THE HELL DO YOU START A NEW THREAD??? i Hhad to take an old thread of mine and delete the info just to start this one. I tried clicking every possible button but could not find a way to start a thread. In the past I have found starting a thread difficult and not user friendly. Sure you can ASK an Expert but that is not what I want. I wanted to start a basic thread. Maybe this is why so many people hijack old threads?? Maybe this is why no one is posting?? Chalk another one up for the tech team.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im from california, My house foreclosed in 2010, my second mortgage is with Real time resolution inc. now from Bank of America. I checked my credit report and it still shows open. How can I make sure that I do not have tax obligations and the status in my credit report will state as closed? Thank you guys in advance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, Collections agencies are calling me to collect on a debt that are more 5 years old from the day that I defaulted. These are all credit card debts. What are my options , Do I qualify for the SOL? i cant afford to pay them anymore, financial income has changed thats why I defaulted on them since 2007. The total debts on all the credit card bills are aproximately less than $10,000 and they are leaving me a message stating that they will move forward for a law suit. i also had a judgement filed against me and didnt receive any summons but when my credit was checked, there it shows. What can I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please,send this to the right dept.if you cant help me..For almost 4 yrs.your company/lowes has been discriminating me!! I bought a hm.and the gov.gave me $8000.dols.rebate and since then I have been trying to get one of your credit cards.I even bought a storage shed from yall and you had to replace it w/another/IS THAT WHY YOU REFUSE ME CREDIT?? For 3 yrs.I have bought 2 cars,accounts @ other places,and you hold doctor bills against me!!!Well,thats between my insurance co.and them!!!Man,I have family working @ hm depot but I choose lowes I shouldnt be treated like your rejected fool after sending all my money there for home improvement.thanks bPERSONAL INFORMATION REMOVED/bhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Missouri and was contacted by Investigator Matt Carlisle from KML collection 888-406-8622 on Sat Nov 10th he left me a message he had obtained an arrest warrant for onlince check fraud against me and I need to return his call. When I returned the call and asked for a copy of the loan agreement he said I would be getting it in the issuance package, and that I will be arrested and I will ge going to jail. I called today to ask how this matter could be resolved and he put me on hold for several minutes, came back on the line and said Money Talks I said how much and he said 1000.00 by the end of the day and he could revoke the warrant for my arrest.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Missouri and was contacted by Investigator Matt Carlisle from KML collection 888-406-8622 on Sat Nov 10th he left me a message he had obtained an arrest warrant for onlince check fraud against me and I need to return his call. When I returned the call and asked for a copy of the loan agreement he said I would be getting it in the issuance package, and that I will be arrested and I will ge going to jail. I called today to ask how this matter could be resolved and he put me on hold for several minutes, came back on the line and said Money Talks I said how much and he said 1000.00 by the end of the day and he could revoke the warrant for my arrest.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is this even possible? I have read that you can control it in a Ch. 13 but after your 36-60 months are up you would be responsible to pay them yourself. Is this true? If not, what is the best thing to do if I am trying to file Chapter 13?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am planning to retire when i get 65 but have a 67 house mortagage want it paid off before i do retire can i do this under chapter 13 payment is almost 700.00 that include land tax and home insurance toohttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone used payless Financial Group is it a legit companyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ has anyone heard of them cant pay them back and they say they are taking me to court, keep saying they have a summonds for me, can they do that it is through alliance llc. what can you tell me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. I have TOO many payday loans - Speedy Cash $1530 ACE-$1000 Advance Aamerica $1000 Check into Cash $700 The Cash Store $541 and recently took out an OnLIne loan from MyCashNow for $1330 I have been getting new laons to afford paying interest payments and my regular bills to the point were I got behind on my mortgage. It is not my plan not to pay them back and I have been reading a lot of different advice given to other people who are in my situtation, but my question is or What I really need help with is: Is there someting that can be done to work out an extension to pay off one at a time without the Others charging interest rates? I get pay every 2 weeks and if I could just not have to make those interest payment I could be knocking them off one by one- Also- What is an EPP? Any advise offered, would be greatly appreciate it.:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a pdl with Cash Taxi that is due Friday. It is a $225 loan that I am scheduled to pay $300 for. I have alreday overpaid another loan with them by $120. I live in NC and just realized all this is illegal. What should I do first? Revoke ACH? Thank you for any suggestions.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a payday loane hawith usa money shop.sent them email and all I ever heard was a email my payment was late told them to refer to previous email and havent heard a word .email came down from si l vercloud financial.havent seen much on forum about these guys are they illegal in va? Still owe 200 on principal told them to contact me about payments havent heard anything.wanna make sure they are illegal also looked in illegal lenders and didntsee either name listed thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ The process is scary because you could possibly be paying twice. I a not behind on my payments just can afford my payments especially for holiday season. how do I know if it is a scam?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can i consodilate these loans? I dont have any money to pay upfront is this a problem.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am my fiancees financial power of attorney. She currently has quite a bit of debt, the majority of which is from private student loans. As a result, she is receiving calls and letters from numerous collection agencies. She currently makes $8.40/hr, working 20 hours a week. It is unlikely she will be able to secure full time employment anytime soon. I have tried to explain her situation to several of the collectors but of course, they are not very willing to come to an agreement that is realistic based on what she is able to pay. I also am currently working with a credit counseling service, but it isnt going as well as I would like working with them. One of the credit cards that she defaulted on has sued and her wages are being garnished as a result. This garnishment is almost paid off. Is doing nothing and awaiting garnishment ever an acceptable route? I ask this because, only one debt can be garnished at a time. If one of the collectors decides to garnish, isnt there really nothing the others can do (besides continue to send letters and make phone calls) until the debt is paid off. She has no property other than a car (which is the only debt that is up to date) and no stocks or anything like that. Its really a wait your turn kind of system, which makes sense to me considering with current income, she wouldnt be able to pay very much more than whats being garnished in the first place. Is a garnishment line so-to-speak ever a suggested repayment method (even as a last scenario)?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is American Web Loan legal in Indiana?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had 6 pdls that were killing me. I took all the necessary steps recommended on here and got rid of them. My problems now is that because of those loans, Ive gotten so far behind on my personnal bills that I am now in jeopardy of being evicted from my apartment and having my vehicle reposessed. Does anyone know of a legitimate company that specializes in unsecured bad credit loans?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need some advise. I have 4 payday loans out and they are killing me. How can I get out of them? I have paid all the prinicple on one of them, and the others I have been paying but just found out I was only paying interest. I try to be responsible and pay my debts, but this is getting out of hand! I also received a call from Blue Ridge Law Group with an offer to help me settle these loans. Are they reputable? Any advise would be appreciated. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Omni credit services just garnished a large sum of money from my bank account creating both checking and savings on hold. Bank states it was court ordered. I was never served with any legal notifications of a hearing. This debt is also over 14 years old. Do I have any options to fight this?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in IL This company called me this morning (I almost got them confused with West Asset Management, which I have heard of before). I did not answer the phone and let them leave a message(have not listened to it yet, I find they just upset and me frazzle me more). 10 seconds later the phone at my part time job was ringing and it was a Kate Hamilton asking for me. I played dumb and pretended to be someone else. Miss Hamilton asked when Id be in next and also went as far to say there was an important matter to deal with that was linked with my social security number. Has anyone dealt with them before? Are they legitimate. I know there is a website...not that, that means anything... I will not be calling this company back (I know how difficult it can be to get a word in with these people), but I am currently putting together an email asking for validation of debt to be sent in the mail, as that is law within 5 business days after the initial phone call. I will also be asking them to not call me at work. I have had my fair share of rough patches and debts and have no problem re-paying them. But its so frustrating when it seems like every week a different debt collector is coming after me for some debt. And 9/10 times they are a scam. What should I do? Any help woul dbe greatly appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call from landmark litigation informing me that i owed a company x amount of money and they needed payment arrangements or i would be summons at work or at home. I set up payment arrangements but come to think of it, i dont have any documentation from them stating that everything would be cleared or a return number. Should i still keep my end of the arrangement?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ is this a reliable company?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How does pay day loan settlement workhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Good Morning - I have read quite a few of the posts here in the forum. Everything is very helpful however quite confusing. Im feeling very overwhelmed by everything so I am very appreciative of what help you can offer. I have a PDL debt relief company called Hometown Financial who is offering to help me out but after research here I see that is not a good solution. Thank you for your time. It is greatly appreciated. Here are the following PDL companies that I have current loans with and the amounts. Ive checked with the listings on the PDL website 4 of the 6 are listed on the website with 2 of them being under different names. The two not listed are as follows: bCashTaxi /b Total borrowed - $200.00 with payback in 2 separate ACH debits of 119.98 with no rollovers. There is a 24 hour hold before reapplying. bGentlebreeze /b The ACH debit is from the name of a company La Posta Total borrowed - $150.00 + $69.57 = 219.57 Broken down by 150 + 67.50 service fee + 2.07 Interest Automatically extends PDL companies listed but under other names - bTwin Bluffs/b Under the name of CWB Services LLC on the PDL website Total borrowed - $200.00 + $60.00 = 260.00 Automatically extends b Loan Shop/b Under the name of LTS Management Services Total borrowed $150.00 + $45.00 = $195.00 Automatically extends These are the ones listed on the PDL website bOPD Solutions/b Total borrowed $150.00 + $45.00 = $195.00 Automatically extends bGateway Holdings Group, LLC /b Total borrowed $300.00 + $90.00 Automatically extends ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ~~~~~ I only make $636.00 every 2 weeks. I want to make every effort that I can to pay these companies what I owe for helping me out. Thank you again for all your help!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone happen to have a fax number, email address or address for this company? I am not having any luck. Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received a letter from the State of South Dakota Office of Attorney General dated 11/8/2012 stating that they have forwarded the complaint I filed to Western Sky. Western Sky has 20 days to respond. Has anyone else filed a complaint with the SD AG and if so what happened? I would like to know if I should expect increased pressure from CashCall or what.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ how can i find out if a payday loan is licensed in Texas?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had taken out a couple of loans. They were Cash Direct Express, Sure Advance, and Western Sky/Cash Call. I had borrowed $700 and paid $1573.60 from Cash Direct Express. I had borrowed $700 and paid $1392.84 from Sure Advance. I had borrowed $2525 and paid $2525 from Western Sky/Cash Call. I had sent e-mails to Cash Advance and Sure Advance asking for refund. They e-mailed back that they considered the loans paid in full but were not issuing any refunds. I sent an e-mail to Cash Call saying that the loan was paid in full. They responded saying that I still owe over $2800. I was wondering what other options I have left with the three companies. I live in Missouri. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can anyone tell me if this co is a cso. If so how do I handle this loan in ohio.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have closed my bank account and opened a new one, my bank was very helpful. Now I need advise on what to do in regards to notifying my HR dept. I keep reading about a letter that I should give them.. What is it?..and is there an example or form letter someone can share, secondly what does this letter prevent the PDLs companies from doinghttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have recently found this forum and am so thankful! This week I will begin the process of sending letters and contacting my bank. I live in NC and have learned that all my loans are illegal. However, I do have an internet loan out with Cash Taxi due on Friday. They do not allow you to pay interest only, you have to pay in full. I borrowed $225 and am due to pay them $300 on Friday. However, I have had loans with them in the past and overpaid those loans by $120. How should I proceed?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Again, i live in IA..these are all interenet payday loan companies. 1. 247 greenstreet 2. cash king 3. CK marketing 4. Cloud 9 5. 123 wages.com 6. Classic group 7. American web loan the cash call was originated by western sky, I also have Plain Green. I have closed my checking account, and now the collection calls are startinghttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i dont no what this is about they took money bebore and i had it stopped an its started againhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ bbbiI dont wantyou people nor any other people to write or share my personal info no longer. If I heard again from you Im gonna talk to my lawyer and sue you...ok?/b/b/i/bhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So did it turn out to be a scam i just sent off my first paymenthttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do I Get LVNV Off My Credit report I Never Asked for a Loan And it shows that I Didhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got caught in the trap of pdls. I live in NC and from what I have been reading all these loans are illegal. I have paid on all of them, but only the interest. I am a single Mom with two kids who is now scared. Any help, guidance and advice would be appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im am executor of my deceased fathers estate. I went to sell his house and come to find out there are 2 judgements/liens on the title. Court house shows the first one from Livingston LLC (Scott Burns attorney) filed 12/2008 for $22,0000. This debt was legit owed origanlly to US bank. This is on the credit report and the only thing other then small dr bills. The second judgement filed 08/2009 same attorney different name Cach LLC for $28,0000. There is nothing else on his credit report from Cach or any other big debt like this. I called his employer he was being garnished for the Livingston and only owes $350 per the courts. His employer just received another letter from Cach stating he owes 60,0000 now. They have been awarded judgements with garnishes for both judgments but since he is deceased they are no longer being paid. So my question is how can I get the 2nd judgement released since it is either 1 a fake claim or 2 an error. But since its been years I was wondering if there was anything I could do about it. I really dont want to hand over his estate for a fake claim on him.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been paying my payday loans faithfully for more than a month. I called on my 1000.00 payday loan , that i have made 4 payments of approx 290.00 n i was told the current pay off is 1116.00. So im stopping all payments closed bank account because at this rate il l never get them paid. In considering repayment, i have already paid them? I live n NChttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok still dealing with cashcall, but twice now Ive tried to write a check for purchase and the check was declied called telecheck and was told my checking has been reported as writing bad checks and check fraud, I closed my account and opened a new because of cashcall so I really havent written any checks but was making a large purchase. Is there anyway to figure out whos reporting my account as check fraudhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have an lvnv funding listed on my credit report however it does not belong to me, it could be my fathers or grandfathers who both have the same name as me but different middle initial. I would like to have it deleted off my credit immediately. what should i do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a loan from paydaymax, I joined this site and found out they were illegal so I sent them revocation letters and they still tried to withdraw out of my account. Fortunately I called my bank and had the ACH transactions stopped indefinately from paydaymax. My question is will they try and withdraw under another name?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I cant login my phone number to get into my payday online account. how do i do this they told me but each time i do it it just brings up the application again to fill out. Please help asap I need to get this done so the money ccan be in my account today. :phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I unfortunately have 5 loans out . I live in the state of illinois and these are all internet loans. They are Cash Direct for 400.00 Vin Capitoal for 200.00 Cash Jar 800 Ideal Gelt for 900 Mlb marketing for 900 I need to know if any of these are legal in illinois . I will gladly pay the amount off but need the finance charges stopped. How do i do this . Or can I ask for a settlement.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone seen the new Western Sky TV commercial? The spokesperson states that it is now the problem solver loan to help you get off the payday loan treadmill. At least the one in Washington State does. You can get up to $10,000.00 to end the problems. This makes me laugh as they are one of the problems in this arena. :rolleyes:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My wifes income dropped considerably about a year ago and to make ends meet, I unfortunately started taking out installement loans. This was fine for a while, but I eventually was not able to continue paying them. The lenders are as follows: CashCall SOS Loans CashnetUSA ChecknGo All were for $2600 originally, current balances are now more than that due to their high interest rates. At this point I cannot even make one payment to any of them as I struggle to pay my regular bills and feed my family. The constant calls, texts and emails are wearing on me. Cash Call just gave me a one-time settlement option for $2000, but of course I cannot pay that. SOS says I will be sent to their LEGAL department. What does that mean? As I am unable to even make payments to these lenders, let alone payoffs, bwhat can they do to me if I just stop paying/b? Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Cutter Group $300 paid $0 Ameriloan $400 paid $600 Oneclickcash $350 paid $210 MyNextPaycheck $300 paid $180 Advancemetoday $300 paid $216 Hydra Financial $300 paid $0 Cashnet line of credit $850 paid $0 IPL $300 paid $270 Was going to close bank account and send out letters to these companies stating they are illegal in my state just like in OhioGals thread. Anything else I should do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ the put 300.00 in my account without my final consent. what do I do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi everyone, I like most people found myself between a rock and a hard place and got a loan through Spot Loan. I was wondering if it was even legal for them to lend in Florida? Here are the terms: Itemization of Amount Financed: (a) Amount given to you directly:$500.00 Amount financed (a) + (b) = $500.00 Interest Rate (until loan paid in full) 330% Interest: $749.16 Total You Pay: $1,249.16 I wasnt able to find a license on the Florida Office of Financial Regulations website, THANK YOU!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ladies and gentlemen, boys and girls. Whoever is running this operation. I am in trouble because of what I read here. It all began prior to the date of JUN 2 2012. I took out loans from many lenders. I was in trouble because I owed bills, and to my dealer, and to the boss. I read online from your forum: the expert told me I didnt have to pay my bill. Ladies and gentlemen, boys and girls. This was a great thing. I could pay the boss. I could pay my dealer for more controlled items like joins, cocaine, and amphetamine. This was good for me! My life was great thanks to your forum. Unfortunately, ladies and gentlemen, boys and girls, things changed. As i lied down to my wife, there was headlights outside. A car was watching me through the window. I thought nothing of it. Then i woke up the next day and the car was still there. When i lit up and snorted my deadbeat drugs for the day, i was ready to go to the welfare department. I got into my car which i couldnt afford and stole from welfare and pulled out the driveway. There was the car following me. When i got to welfare office i got my welfare. Then i went to work. I got into work . The car seemed to be gone. But 2 hour later, deliveryman couldnt get into the ofifce for unown reasons. Then 2 hours later my co worker said he couldnt go home for unknown reasons. This was a mystery to all of us. Turned out the office was on lock down. The sheriff had come for me. Men came in through the ceiling on ropes and charges went off. Ladies and gentlemen, boys and girls, this was the end of the line. I ran. Thy put my wife in cuffs. I got away. I got onto a plane and flew to a country overseas. When i landed, the sheriff was waiting for me. It was time to give up ladies and gentlemen, boys and girls. I was put in cuffs. I was taken back to my town to face crimes. The sheriff found me guilty of all crimes in the book. I was sentenced to life hard labor, my wife was as well. The sadd part. The judge said that i have bad genetics. That my genetics and anything from me is a deadbeat and will destroy society. So he ordered death penalty to my kids. They were given the chair. This was all because i took your advice and didnt pay my debts. Lesson learned, pay your debts, or see your kids given the death penaltyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I want to thank all of the moderators on this site. I have a total of four credit cards and a car loan I fell behind in paying due to some illegal payday loans. With the help of this site I not only have been able to deal with the illegal loans but talk with my legitimate creditors and work out a plan that will have me back in track in a few months without having to go to collections!!!! THANK ALL OF YOU AGAIN FOR THE WONDERFUL HELP!!!@@:-P:D:ohttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Are CD letters only for collection agencies or can you use them for illegal tribal lenders? Also, does the do not call regulation apply to illegal loans or just the collection agencies. I would like to know before sending one and looking as ignorant as they are. :rolleyes:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ being sued by Midland Funding LLC. checked MO online courts,court date is this Sunday 11/11/12..What to do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have an address and/or fax number for this company? I have asked them for as I plan on sending them a letter and they will not provide me with this information as they say they do not have to.... So just wondering if anyone has this info out there? Thank you!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Now want to remind everyone that on 10/2/2012 received this email from them: Thank you for your correspondence. I have received your email request to cancel the auto withdrawal on your loan. Your request has been processed effective today. Please keep in mind that your due date is the 1st of every month. bYour account has been placed in a cease and desist status. /bAll communications from CashCall going forward will be communicated in writing through mail or email only. I have also sent a Permissible letter to your email and home address this should answer all of your concerns. Have a great day. Thank you, Customer Concerns Representative Now maybe I am confused on what cease and desist status means? Dont think so but maybe. Are they supposed to be still trying to collect? I have sent several emails about an arrangement for a payment plan to make good on the principle that I still owe - I show that on the original amount of $2600 - $75.00 fee - payments made already of $1126.53 = Principle owed is $1398.47... .. Not one response to that of any kind. Today in the mail - I get a letter dated 11/2/2012 - Giving me basically a loan modification. That if I agree to pay $294.46 by the 16th of Nov they will defer 2 payments to the end of my loan and I will not owe another payment until Jan. They want me to sent the signed modification back to the Loss Mitigation Team by the the 16th of Nov.. And even if I do accept they remind me that collection activity will not cease during this offer!!? But, from above isnt my loan already in a cease and desist status, from their own email to me on the 2nd of Oct? I does go to state things like your CashCall loan, I did not take our a loan with CashCall? under the terms of your CashCall Promissary Note- The copy of the loan agreement they themselves sent me says Western Sky? Now the Agreement and acknowledgement for Modification is signed by Steve Klopstock - Director of Collection. The letter itself is from Gaile Kefallinos. They do threaten me with reporting negatively to the credit reporting agencies. Also, with taking action to determine my ability to pay my obligation under the note. Like ordering my credit history from any of the credit reporting agencies. - Can you tell me how I can maybe stop this? Also, that they will be contacting my employer to verify status and compensation - I will be taking care of this on Monday .. I dont think my employer even verifies wages at all, but I will still be addressing on Monday morning. Complete this is like 4 pages of garbage - any input on what to do next, I have been sending them a weekly email to agree to pay the remaining principle - but now they are just being stupid - they are willing to defer 2 payment to the end so instead of being done in June of 2016 - now they think I am going to agree to pay them until August of 2016 = $294.46 x 45 months = $13,250.07 + $1126.53 already paid = for total of $14,376.60 for a $2600 loan.. I show that on the orginal amount of $2600 - $75.00 fee - payments made already = Principle owed is $1398.47... Please,give me your input....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i received a loan for 500. theyve been taking 150 out of my banking account and so far it totals to 750. I called them and to see what my balance is and they said its 617.50! They told me theyve only been taking out the finance fee and if i wanted to pay the loan off i had to call them to do so. this doesnt sound right to me, is it?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have fallen victim to payday loans. I am trying really hard to fix this situation. Does anyone have a template for Considered Paid in Full? For some of these, I have had them for months and what I have paid in fees I have paid over 3 times the principal amount. Any advice would be much appreciated! Thank you!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ is vip legal pdl in florida they call my job and told me that if i dont pay them i will be serve at my jobhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My pay day loans are still in good standing, but theyt have become unmanageable. Should I than follow the steps below and than apply for your program? I live in the State of Texas-http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Like many other people i also got rolled up in the payday loans and taking another one out to pay the other. Needless to say I have 9 online payday loans and I cannot afford them. I read your article on a href=http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.htmlhttp://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html/a and I would like some guidance if possible. 1. The names of each of your lenders Mobiloans, (2)Discount Advances, United Cash, (2) US Fast Cash, 500FastCash, Freedom Lenders, Archer Direct. 2. How you obtained the loan (internet, storefront, etc.) All internet loans. 3 What state you live in Florida. 4. How much was deposited by each lender (if youve had and repaid multiple loans prior to this one, add them all together) Not Sure would have to do some research for all. But a lot! 5. How much youve been debited by each lender (again, if youve had multiple loans, do the math and give us a total) Way too much especially from Discount Advances. I paid twice what the loan was for on 4 different occasions. 6. Details of any communication youve had with the lender I sent faxes, e-mails and certified mail (to the ones i had an address for) revoking the ACH and wage garnishment on my account and any other personal account I own. I also closed the accounts. 7. Any additional question(s) specific to your situation I wanted to know, especially with Discount Advances Since I paid them so much money on four different loans already, two of which are paid off and have zero balances, can I request the money paid in fees back or have it applied to the balance of the current loan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am living outside the US. A company send me a cheque of bank in US, but local banks ask high comission. If I give the cheque to my friend who will visit US, does he encash money instead of me. My name is written on cheque. Thank you in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ my question is that i owe rjm collections 151.00 on an old citizens bank joint account i had with my father. now rjm is making it hard for me to open any kind of an account until i pay that amount. when i wasnt even around to make thaut amount happen it was my father. so basically i want to pay them off to get them out of my life. how do i do that the quickest way on-line to get them out of my face?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Got a call from them today and they are incredibly rude, in fact the bill collector hung up on me. It concerned a debt from 2009, that has more than tripled in size due to penalties and late fees, he became rude when I wouldnt answer personal questions concerning my living arrangement and how I pay for a cell phone and food, etc.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im hoping to get a bit of information and understanding. I am two years in to a DMP and the experience has been good. I decided that it may be time to look at buying a home and started that process this week. The mortgage dude I am using was highly recommended to me by a friend and when he ran the online mortgage qualifier, it came back as approved. Debt to income ratio was much lower than required, credit score well above 640 for an fha loan, long employment history etc, income levels good for amount I am wanting to puchase.. All very, very good. Except, he is concerned about the dmp having an impact in actually getting hands on the money. He just sent me an email indicating that most banks wont loan to someone in a dmp. What?? I thought two years of solid payment history was acceptable. Is there any reason to suspect this wouldnt go through for me? Can anyone speak to this? Thank you, bikerchick1http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Arkansas,i took out a $300 with Arrowhead investments and ran into sone trouble paying it back,welk they calked me saying i owe them $2300 now,i tried to make some arrangements with them but they said i need the whole thing now,i paid them $100,and they said i need the balance in 7 days,i told them that it was impossible but ill try,well my tine is up and theyve calked threatening me with jail,what can i do?:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have more than I ever wanted to get and the economy and my job is not getting any better... I am about to find myself homeless due to pdls. Help I am in California!!! One company is chargining me $135.00 just for the interest alone that is almost half of the loan..of $300.00! They were not able to verify my work but put the funds in my acct before I can decline the offer so I was charged for it! Please help me. :sad: All most homelesshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ HI - I just got a message saying someone will come by my place of residence next week for me to sign papers. If Im not available in a certain window of time, Im to call 877 470 5418 to reschedule. I cant find info for this number online. I dont want to call them back until I research. Any advice would be appreciated. Thanks in advance!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I borrowed $2875 from Check N Go and made 11 payments @ 445.10 totaling $4895. Is there anyway I can get them to except this as payment plus. I have a considerable amount of other debt would like them to consider this paid in full. thanjshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have received a letter from two groups asking for payment for the same debt from Century link. I have called Century link and they say I shold pay the collection agency. I think I am being billed twice for his debt. The name of the collection agencys are Convergece and the other CBE group. have paid the bill to Convergence and now have recieved bill from CBE and I paid then a third of the bill and set up two more payments. I think this wrong. How do I repaire this?:phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello! I am wondering, with looking at this article, what to do.... I have a Cash Call loan and I would like some advice as to what to do if possible. Would you do as the article says and tell them to stop calling me, let them do what they do and if sued dispute it and STOP paying them? Currently I am not behind on payments but not getting anywhere paying on the loan of course.... Getting rid of this payment would free up about $300 bucks for me and would be a MONUMENTAL help! a href=http://www.debtconsolidationcare.com/paydayloan/cashcallislicensedfor-mortgageshereinarizona.htmlhttp://www.debtconsolidationcare.com/paydayloan/cashcallislicensedfor-mortgageshereinarizona.html/a THANK YOU SO MUCH for ANY assistance!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My son is on disability and that is my only source of income as I have to stay at home to care for him. I recently had a summary judgment hearing and afterwards called the company in attempt to work out a lump sum plan (they did not show at the meeting, they sent a proxy who said he could not negotiate) for the $6543 ($3246 is interest) debt. I offered $2000 lump sum and explained we had no garnishable assets at this time due to my sons disability. They are demanding a letter from the disability office as proof before they will even entertain or submit my offer , I have been told by my sons caseworker NOT to do this, that they have no right to that information. Can anyone clarify this or give me any tips? Im in Indiana.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I found on my credit report a charge off for $203 (now $206) from Verizon Maryland Inc. for an account that I closed in 12/2009. I closed the account, paid the final bill ($144.) in February 2010. Once I found what a charge off was defined as, I immediately called Verizon Accounting Dept. to dispute the information. After not getting anywhere with the Verizon representative, I spoke to a supervisor and he was able to find my account information. However, he could not find the $203 amount that was charged off. I was delinquent one month 06/2009, but I paid the delinquent amount and my account was brought up to date. He confirmed that I closed the account in 12/2009, payments were up to date, all of the equipment was returned and the final bill was paid 02/2010 and no amount was owed after. I then asked why is there is an amount listed as a charge off, and he stated that he HAD NO RECORD OF AN AMOUNT being charged off. I told him I wanted that charge off removed from my account and he refused. He explained that Verizon list all delinquent accounts as a charge off, even if that account is brought up to date. He stated, Verizons policy reports DELINQUENCY(S) as a CHARGE OFF. Verizon views delinquent and charge off as having the same definition. Verizon guidelines only allow for the use of charge off for their credit reporting, not delinquent. I disputed this information with Transunion, Experian and Equifax but all they did was confirm that their reports matched what Verizon had reported, NOT that the information reported was incorrect, and now my report shows not only a charge off, but CO for both 01/2010 and 02/2010. I found that there are many others who have had this experience with Verizon. There has to be a way to deal with this type of false information. What other options do I have to dispute the charge off? Any suggestions would be greatly appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :sad::sad:pressler and pressler a disgusting firm took over 1600.00 dollars from my wifes bank account whilw she is in trenton state pychiatric hospital as a committed mental patient with her only means of income is child support my wife is very very sick she has no knowledge of why they took money from her...she has been in trenton for 6 months now.. and they sent her a certified letter saying she owes money to midland funding????? no knowledge of this they need to be punished severely for this disgusting act...my name is roger maksimowhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I live in GA and I was wondering can payday loans garnish my wages here. I have every plan to pay them back, I am just in a spot right now that I can not do it. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 cc with small balances on them. First Premier around 700.00, Orchard Bank 300.00 and Credit One 300.00. I cant continue to make the payments. I know they are small but the interest and the fees they charge each month are terrible. I should have know better. Should I just let them go and wait for the collection agencies or contact them an ask for a hardship? If I only make the minimum payments Ill never get these things paid off.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone dealt with Vista Holdings and a payday loan? My loan was sent to I collect and they told me that they dont have I collects # and they just find a collection agency for the account. Those numbers on the previous conversations dont work. Any advice?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 2 payday loans each 300. with 390. owed back on each. 500fastcash and clickcash. they have changed draft days and caused me hundreds in fees. can i close my account and pay them over time ?:sad:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Just joined a debt management plan paying ??100 per month to setlle outstanding debt. Then recently contacted by another company claim they can reduce some of my debts by up to 70% as well as have in place a debt managment plan they are only 5 companies that do this they claim at the moment. Which is best for me???I have onlyu made one payment out of two to cover their fees should i choose the second how would this affect my credit.First company is harrington brookes???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have emailed them and faxed them a ACH revocation letter and this is what I got back...WTF...is this true? Are they exempt from following the rules? BTW I am in Texas and I know they are legal, Im trying to get it to default so I can work out a payment plan with them. They dont want to work with me right now. span style=color:red;Dear Janet,/span [COLOR=red][/COLOR] span style=color:red;Thank you for choosing CashNetUSA, Americas trusted online lender./span span style=color:red;At CashNetUSA, we understand how important it is to our customers to have access to payday advance funds as soon as possible after an advance is approved. Thats why we fund our advances through an electronic funds transfer provided by the automated clearing house (ACH) network. We also provide for repayment of advances via ACH. Because our advances are single payment advances (that is, we advance a sum of money that is to be repaid in a lump sum), we are permitted to require ACH repayment in accordance with the Federal Electronic Funds Transfer Act (EFTA)./span [COLOR=red][/COLOR] span style=color:red;Under the EFTA, a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer’s loan. The term “preauthorized electronic funds transfer” is narrowly defined by the EFTA to mean “an electronic funds transfer authorized to recur at substantially regular intervals.” As explained by the Federal Reserve Staff in its official commentary to the EFTA, “Creditors may not require repayment of loans by electronic means on a preauthorized, recurring basis.” 12 C.F.R. 205, Supplement I – Official Staff Commentary, at 10(e) (1) (Loan Payments). As a one-time payment, the repayment of a CashNetUSA advance is not encompassed by the EFTA’s definition of “preauthorized electronic funds transfer,” and is therefore permitted under the EFTA./span [COLOR=red][/COLOR] span style=color:red;If you have any questions or concerns, our customer support team is available 24 hours a day, seven days a week to help answer all your questions via phone, email or online chat./span [COLOR=red][/COLOR] span style=color:red;CashNetUSA Customer Support Phone:(888)801-9075 Fax:(866)413-3888 Email: /span[EMAIL=support@cashnetusa.com]span style=color:red;support@cashnetusa.com/span[/EMAIL] [URL=http://www.cashnetusa.com]span style=color:red;www.cashnetusa.com/span[/URL] span style=color:red;Heidi P/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:going to court on11/13 ,to argue the point that they buy uncollected from the bank that charged /writtenoff ,what argument i should make.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello every one, My name is Mrs Ruth I live here in USA and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $65,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender,Mr Bob Diamond NAME OF COMPANY REMOVED he was the savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $58,000 US dollars and i will advise any one who is in genuine need of a loan to contact MOD NOTE...EMAIL REMOVED CAUSE OF BOGUS AD[EMAIL=standard.financial.institute@gmail.com][/EMAIL]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If you plan to buy a house within a few years of undergoing debt settlement or debt consolidaiton; BEWARE. Your credit will be trashed. The underwriter will view your credit file as having gone through a BK. The underwriter will believe you could not handle/repay your debts without professional help. Call taras the Bull Personal Finance Company for help in getting rid of debt. a href=www.tarasthebull.comwww.tarasthebull.com/a 888-975-2855http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused::confused:I was telling my brother about my problems with the illegal tribal pay day loans. His girlfriend then took a few out on purpose because she knew that they could not do anything to her. She was trying to tell me to not even pay the principal back on the ones I have. I am planning on doing this after I get my legitimate debts back on line. I am not sure which ones she took from but I think that they were Blue King and Mobiloans My big issue is that she and my brother had a joint account. She gets paid once a month at least. My brother opened a new account and moved his money that was in the joint account and removed his name from it. At least his name was not on the loan. Will the loan companies try to go after my brother because his name was on the account at the time of the deposits?:confused::confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I arrived home tonight to find a business card asking me to call Urgent Court Matter Pending. Woman I spoke to said she has to serve me papers, stating Capital One has filed a lawsuit against me. My question... Capital One was part of my debt management program through Care One Sept 2009-Aug 2011, paying $58/mo. I missed one payment in Sept 2011, they dropped me from the DMP. I attempted for months to have them re-enroll me, to no avail. Care One said I must wait 11 months to have them submit another proposal to get me back on program. End of July 2012, I get a call from Pollack Rosen, PA, they left a message saying they were a collection agency. I didnt call them back. Beginning of August 2012, I contacted my DMP Care One and they submitted a proposal to Pollack Rosen, where for three months, payments have been made to Pollack Rosen for my Capital One account. They have cashed each months checks sent to them through my DMP. Although they have not accepted the proposal sent to them on Aug 18, 2012, Care One said that is normal procedure. But they sure have accepted my payments. Tonight, Im told on the phone that I will be served lawsuit papers early next week. Why would they sue me if proposal has been submitted, they requested check only to their office from my DMP (which has been provided) and payments made for last three months on time through my DMP?? Is this normal for a collection agency to do so and sue someone? Can anyone help or give me advice? Im enrolled in DMP because Im a single parent (one income, no child support) trying to pay my bills.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I arrived home tonight to find a business card asking me to call Urgent Court Matter Pending. Woman I spoke to said she has to serve me papers, stating Capital One has filed a lawsuit against me. My question... Capital One was part of my debt management program through Care One Sept 2009-Aug 2011, paying $58/mo. I missed one payment in Sept 2011, they dropped me from the DMP. I attempted for months to have them re-enroll me, to no avail. Care One said I must wait 11 months to have them submit another proposal to get me back on program. End of July 2012, I get a call from Pollack Rosen, PA, they left a message saying they were a collection agency. I didnt call them back. Beginning of August 2012, I contacted my DMP Care One and they submitted a proposal to Pollack Rosen, where for three months, payments have been made to Pollack Rosen for my Capital One account. They have cashed each months checks sent to them through my DMP. Although they have not accepted the proposal sent to them on Aug 18, 2012, Care One said that is normal procedure. Tonight, Im told on the phone that I will be served lawsuit papers early next week. Why would they sue me if proposal has been submitted, they requested check only to their office from my DMP (which has been provided) and payments made for last three months on time through my DMP?? Is this normal for a collection agency to do? Can anyone help or give me advice? Im enrolled in DMP because Im a single parent (one income, no child support) trying to pay my bills.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in MA . I have followed all the advice on here for illegal payday loans. And I listed my info and the pdls on previous questions. It has now been 6 weeks since I sent my letters and filed complaints with the FTC, Mass Division of Banks, and the Attorney Generals office. They have a assigned a mediator to my case.. My problem now is the harassment calls at work have gotten so bad, work is blaming me for it. I said today how can it be my fault when it is identity theft and scams.. Coworkers are starting to talk to them and listening to the garbage. And they were told to hang up on them. They were in the beginning. Now the calls are going to the higher management and are being told I am going to be served by a processor for legal documents. I looked up the phone number they gave and showed it to the management that is was a scam.. Not sure what to do now.. I could lose my job over this nonsense.. I told work I have no control over this and if they fire me, I will contact a lawyer for wrongful termination. Help... thank you for any input into this matter..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been all over here and wrote my prob to an expert with no reply yet.............with all the reading i can see i n eed to send an ach letter to the 12 payday loan places.. am looking high and low for copy of ach letter sorry to butt in but can u help or tell me where to go for this?:confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello my name is Grace Thompson and I am interested in how I can resolve the debt I have with you all. My credit score says I owe you all $167.00 (due now). Please call me on removed. Thanks so much and have a blessed day.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have debts. Many of which were cosumated during 2008. The debt is sitting there waiting to be paid. All the accounts are closed. I have not been able to pay due to hardships. I would like to know how I can get rid of this old piled up debt without filing bankruptcy. I would like a long term installment plan paying no more than 50 dollars per month that will actually get rid of the debt in sequence or all at once. My fico is 548. I have good employment but it is low wage. Any suggestions??http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Pressler and Pressler taking me to court to enforce Litigants Rights.. November 16, 2012.. Is this a scam? I found out that they already have a judgement against me. I have followed the advise, letter sent to them to validate the debt and numerous emails. I told them over and over to give me validation. I will make all the complaints I can against them. Are there any recent stories that people have filed complaints against them? Thank You Rose from New Jersey.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I know that payday loans are illegal in New York. But, if the loan company is located in another state, does the law of that state apply? Also, how can I determine if a company is licensed in New York? Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-family:Calibri I have several payday/installment loans, and I want to pay them off. Because of a recent financial crisis I can no longer make the current payments. I have been turned down for consolidation loans, second mortgages and all other times of loans no luck. /span span style=font-family:Calibri I do not want to file bankruptcy and would like to pay the loans in full but I am overwhelmed at the number of loans I have./span span style=font-family:Calibri I live in Ohio and have loans with the following companies, Checkngo-Installment Loan, Paydayone.Com, Cashnetusa.Com, Plain Green, Llc , Great Plains Lending, Llc , East Side loan, Integrity Advance Llc , Cash Jar, Advance America, Zipit19, and Mobiloans Llc, what can I do?/spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does anyone have an address or contact information for Fast E Funds--or Fast EFNDS, LLC----I have the phone # 855-533-8637--and was informed this is an offshore lender--but cannot find an address or any other information on where they are located.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We had unfortunate circumstances beyond our control and not able to see how we were going to have enough money to take care of everything needed to be done end of August 2012. We borrowed $2,650.00 from The Cash Store here in the state of IL. The annual percentage rate is 403.00% HELP! this will not be paid until 2/20/2013. Total Finance charge to us will be $3,342.16. Carol was receiving unemployment and the last employer said she didnt check on all the avenues to stay with the North Shore Companion/Home Instead as a live-in caregiver. She now has a bill from IDES here in IL to pay back an overpayment they say of $6540.00. Our credit cards total approximately $3000.00. We got those to try to help us pay for daily essentials. Husband Joel (Bernard) is gainfully employed with same company for the past 12 years. They cut his hours back drastically in August. Can you help us please!? Clinton called last night and said to call him back today with the payoff at The Cash Store. We have the amount now and it comes to $2.375.27. It would be sweet if we can get our bi-weekly payments down from $499.35 to the quote Clinton gave us last night of $220.00 bi-weekly for 9 months. Looking for help in our situation. Thank you in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ is best pay today legal in HOUSTON,TXhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We talked to Clinton at Blue Ridge last night, he said he could help get us out of are high interest plus very hight bi-weekly payment. These are killing us now. We both take medications and its either get those or eat. Not enough money left on payday to do both. Im reading good feedback on how so many have been helped. Sure hope we can say the same after today!! Carol and Bernard Joelhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ best pay today loans are they legal or illegal i live in houston, tx i borrowed $300 and the finance fee is $105 but i was told if i paid it off with in the first week my interest would be cut in 1/2. that was a lie!!!!!! they want the full $405:sad:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ One of the illegal lenders that I sent ACH Revocation to called Red Leaf Lending NEVER responded to my request, however they DID stop the ACH last payroll. I have not received anything via mail or e-mail, but when I logged into my bank this morning I see that they wrote their own CHECK and tried to cash it yesterday!! $370.00 - my bank returned the check NSF - and I can see an electronic copy of the check online. It says NO SIGNATURE REQUIRED! How can they do this?? They are not licensed in CA, they are not following the laws of California (by automatically renewing the loan and only charging the finance fee) I have already overpaid the principal by $142.00!! Looks like I DO need to close my account that I have had for 10 years! :( What a mess!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please advise when the $200 per month you withdraw from my checking account will cease. Thanks, Tom Reidyhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a total of 8 lenders that were illegal. So far heres the rundown. Integrity--borrowed 500 paid 450. Have made arrangements to pay the $50 YAY Cashdirectexpress--borrowed $400 paid back $480 have received PIF letter..YAY! NOW here is the kickers. Idealgelt--borrowed $300 paid back 90. They are wanted $480.00. Told them now due to the fact they are not licensed in my state. They responded saying they are licensed. I politely responded that maybe I had overlooked their license and could they provide me with a license number or a DBA? At this time I also expressed that I would pay the principal amount by money order upon their confirmation. I have heard nothing but a reminder for my payment this Friday?? Paydaynation borrowed $500.00 paid back $1075...their reply: Our loans are not illegal...you might be referring to storefront loans?? wth No reply from mobilloans No reply from ezpaydaycash No reply from magnum The silence is killing me and I have no idea how to reply to paydaynation??Any suggestions?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What would happen if i cant pay the payday loan back.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ You guys must have heard that Puerto Ricans voted to have their territorial status changed to statehood thereby becoming the 51st state in the roster. I know that this has to go through the House and the Senate and it would also need Presidential approval and it is going to be a long drag. My question is: What would it mean for the legal status of the illegal lenders which we generally write off as being offshore and therefore, illegal by proxy?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been getting calls 2-3 times a day for over a month now. I have answered it once, I told them they need to leave a message if they want to talk to me since i dont answer 800 numbers. they never leave a message, now under the FDCPA it mentions: Debt collector keeps calling you on the phone, harassing you to pay the bill. iNote: if the debt collector calls and doesn???t get you and calls back in an attempt to reach you, this scenario does not constitute debt collection harassment./i my main question is since they are not leaving messages is it harassment for them to keep calling me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My wages are being garnished by Allied Interstate for a defaulted federal student loan. They called me and offered a rehabilitation arrangement that will essentially halve the amount I pay each month. This seems strange to me. Why do they want LESS money each month? The Borrower Acknowledgement Form that I am to sign and return states that I understand and agree the lender may capitalize collection cost of 18.5% of the outstanding principal and accrued interest upon rehab... I guess my question is this: Would I pay less money if I just let the garnishment continue as is? I realize it is beneficial to my credit to rehabilitate but let us put that aside for now. Do they prefer that I agree to a rehabilitation arrangement because they profit MORE? Im quite certain this company does not care about me so why do they want 50% of what they are getting already?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im wondering if this company will get a judgement against me for this. I havent heard from them in a couple months, though. My default was this summer, but there is no mention of this on my credit reports. Probably within a few months there will be? Has anyone dealt with this company? Am i likely to be taken to court? I live in Missouri. Tower Loan mailed a check to me and I cashed it. There were no loan papers signed and we have no other relationship. I have been unable to make payments, and wonder what they will do now. Can they garnish my wages? How would they even know where I work? For a variety of credit problems I am considering bk, debt consolidation, etc. Just wondering if anyone has experience with this company, or similar. Thank you for any guidance/advice. I am grateful.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have contacted the payday loan companies I owe - the payments they want monthly are too high for me to do - they do not want to work with me on spreading out payments. I want to send a letter to them stating my own payment arrangements, my concern is that since it doesnt match what they said they only could do that the money I send will not be applied to my account. What can I do? I have been repeatedly contact my Payday Loan Debt Assistance out of Florida, but Im shy of using such companies. Any advice?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i read the post of the success story which said that she started only a month ago and already had both her lenders send pif emails. i send my letters over 4 months ago, both of my payday loans had been overpaid, i advised lenders i would not request refunds if they would close accts and send pif emails, the lenders involved were one click cash and plain green loans. so far both have send multiple emails requesting payments or payment arrangements. i have resent emails at least three times stating that they are illegal and that they have been overpaid and requesting pif. Has anyone been successful with these particular lenders and is there anything else i should do to get the pif and get this over with.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Curious -- when you are looking at debt and SOLs do you consider where you live presently or where you lived when the debt was incurred. Now that I have the illegal and legal loans in the process of being over, I am turning my attention to our credit reports and it is from the date last reported correct?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was contacted by a collection guy he said Iowed money. He wanted to work out a deal I told him I could not pay anthing. Maybe later if I could, he made an agreement. I did not sign any and did not say I would in fact pay. I said if I was able witch i was not.He called me today, 5 months later. We got into it over my address I did not want to give it to him he had my email and phone number that was all he needed. He got mad. I called back and asked when was the last activity on the account he siad 3-1-2007. I told him I wanted a letter. He got mad said I was up to something and he was going to turn it over to his lawyers. What can I do to protect my self. I dont have money to pay if He got really mad when I told him it was over 5 years and that there is laws to protect me. Iam trying to figure it out. Help mehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a very old and troublesome student loan. West has purchased my debt. I now have the means to offer them one lump sum and hopefully negotiate a reasonable settlement. Should I try this myself or should I seek a professional negotiator? How can I be sure that if I pay them a lump sum that they arent just pocketing the money and not actually retiring the debt once and for all?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Almost 7 years ago I had an 8,000 loan, its sort of a long and very personal story, but thanks to my ex, I was in default for almost six months before I even knew it. I have been saving up the past couple of years to raise the funds to file for bankruptcy. So this morning, completely out of the blue, I check my messages and I have this message from a woman from Federal Processing saying they are investigating me for criminal charges for income tax fraud. I panicked and called back immediately and almost right away she brings up this loan and wants me to start making payments on it. I dont even pay taxes because I am disabled and I told her so, and she started berating me for having taken a loan when I am disabled - and bells start going off. Her manner was confrontational and rude from the start and it all - from the person who answered the phone, sounded very unprofessional. In the middle of the conversation, she tells me that the call is being recorded - to which I informed her that anything I said up to that was was inadmissible in court, since I wasnt informed I was being recorded. She then told me she was going to turn me in to the IRS and ended the call rather abruptly. I am almost positive this is a case of my loan being sold to a collection agency - but could someone please put my mind at ease? Also, I have a phone number - 202 -266-0064 if that helps.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im 28 years old. Got my self in trouble with loads of debt. Big part of being school and bank loan. My monthly payment is just over 700 dollars and its becoming unmanageable. Not sure what to do. :confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Missouri. Tower Loan mailed a check to me and I cashed it. There were no loan papers signed and we have no other relationship. I have been unable to make payments, and wonder what they will do now. Can they garnish my wages? How would they even know where I work? For a variety of credit problems I am considering bk, debt consolidation, etc. Just wondering if anyone has experience with this company, or similar. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A lady called a week ago daying she was on her way to serve my husband papers for a bad check and something else to do with an online pdl that was unpaid. She said he could be facing jail time and gave me a number to call for details and a case number. I called and talked to another lady said I could pay the debt and no charges will be filed. So I set it up, not wanting my husband to be in trouble. He got home later and said he never had a pdl with jvc or bmg, wich the second lady said was the original creditors. So I called her back and asked her to MAIL me the papers saying the debt was paid. She said they dont do that and she said they would give me my money back and just take me to court. What do I do????http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Here is the list of lenders and all I have paid over time. My question is : if i overpaid on previous loans, can i count that towards any open loans i have with the illegal lenders? i have already closed my bank account and am sending the ACH revoke letters via email tonight to all the lenders. By the way, i just found out that these interent lenders were illegal. i guess i was an easy target and thought i was doing well borrowing and paying off even though it was expensive. i have one loan open with each of these GECC borrowed 700 paid 1138, over 2 loans cash cure borrowed 2450 paid 2887 over 4 loans cash in awink borrowed 600 paid 802.25 over 2 loans VIP borrowed 800 paid 755 over 2 loans thanks for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is the best way to find out if your internet PDL companies are licensed in your state--Texas? Where can you check to see if they are-is there a website through the AG office or where do I begin looking?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi I have a payday loan with epprocessing, do you know if this is a illegal payday loan company? thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ok, so here is my update with Western Sky/Cash Call. I want to thank waffles in advance for all of her help with everything so far! ( Along with anyone else who has given me advice on how to deal with this company) I was trying to work with a comsumer affairs lawyer here who basically told me that there is nothing he can do about fighting the contract, and there was nothing that he could see that was going against the Fair Debt/Fair Credit reporting act. So basically talking to him was useless. I did however file complaints with the AG in South Dakota, and the AG in California on Both Western Sky and Cash Call. I have not paid Cash Call in three months, and its funny, I havent heard a peep from them unless I conact Elissa Chavez and get her line of BS. Which is weird because I know how much Cash Call likes to harass people when they havent paid. Anything else that should or could do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This afternoon I got a phone call from someone claiming to be the Court Marshall for my city. She said she had a court summons for me. She gave me information, and at first led me to believe that it was my bank who issued the summons. I told her there is no way they issued anything as I have been in that bank almost every day for the past month trying to resolve my account being compromised. She changed her tune a bit and finally led it to be about Lazer Lending and another of their affiliates SGQ. For a court marshall, she had an awful lot of information about those loans! I finally asked her if those two companies were licensed to do business in Maine. Told her my bank account was closed when they noticed PayDay activity that is illegal in Maine, and I also got a list of licensed lenders from Bureau of Consumer Credit Protection, and they were not on that list. She told me that one company is licensed in 30 states, the other in 20 states. She then asked if I called the Attorney General office. I hung up from her and called the number she gave me...I left a message. I called my local Sheriff, and they did not have this womans name on the list. They show no summons for me either. She just called back to say the attorney was in her office now, and I should call back again. My question (after all that! LOL) is.. Neither Lazar Lending or SGQ is listed on Maines list. But Check N Go is. She did name Check N Go as being licensed. Does that mean they all are if one is? Thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help is gateway holdings group licensed in texas if so what can i do to get this monkey off my backhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was just reading these post about Midland funding, as i am dealing with them as we speak. They have had an attorney come after me with a summons to respond on behalf of midland Funding. I have responded to the summons, and in return the attorney in my state have now sent another questionaire basically, asking me to admitt to living my this county, i owned this account etc. How would i handle this situation at this point? Im just now seeing all this info about Midland and want to make sure i can stop them in their tracks. Thanks In Advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like to have a account # so I may start making payment to resolve this issuehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This is ANOTHER Western Sky/Cash Call loan question - sorry - but it is all very confusing (even after reading about it on here). Took out a loan with WS in January for $1000, which was sold to Cash Call - and which has been fully repaid, plus an additional $250. I did not read the fine print - dumb I know - but then realized that the total amount owed was about $4000 (because my interest rate is 237%) over 2 years. Besides being outrageous, it is money I do not have. I have been back and forth with them for months -- and wrote to the FTC, numerous State Attorneys General (including in Sough Dakota), and it is all still unclear as to whether the contract is able to be enforced (I KNOW the loans themselves, in state and federal terms, are illegal). They keep insisting the loan is valid and that they will take me to arbitration -- but it seems questionable as to whether I AM actually bound to the contract under their tribal immunity clause. I just dont have the money to pay them much more, unfortunately - though Id rather come to some arrangement with them versus have them actually take some action that is able to be enforced and I have little ability to fight. Ive read on here that I owe principal only (repaid in full) and that they will do nothing, BUT, I have also read on here (and other places) they they CAN and MIGHT take action to collect the remaining $3000 in interest they feel they are owed. What is the final verdict, if any?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I contacted my bank to complete the ACH Revocation and I was told this can not be done. The representative stated there is no way to stop all ACH withdrawals. He stated specific ACH withdrawals can be stop but after reading other post about lenders using some many names, was under the impression that stopping specific withdrawals was not a good idea. Any insight?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is anyone familiar with this Debt Collector/Lawyers Office? I received a letter from them yesterday stating that they rep Midland Funding LLC (the current owner of the debt) and they suggest I send a check or money order to their office to settle my debt. I dont see the point in sending a validation letter, as I know I owe the amount stated. I hear conflicting advice, from DO NOT call them! to Call them to try and settle. It cant hurt. Are they in the position to make some sort of payment plan with me, or is it too late for that?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ [FONT=Bookman Old Style][/FONT] span style=font-family:Bookman Old Style State-Pennsylvania /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style Charge off-November 2008 /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style Total charge off amount-$2500 /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style Paid towards balance-$1000 via FRS (collection agency) /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style I offered a final payment of $125, to clear the account! FRS sent the account back to ARS-Dell’s (in house collections department). I called ARS, offered another $125, they “said no” (such a shock). ARS offered $780! One final payment or extended to 90-days, and the payments broken up for 3-months. /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style My question is should take offer? Or just ride the storm? I know Dell is famous for taking folks to court! My last payment with FRS, just in August-2012? /span span style=font-family:Bookman Old Style /span span style=font-family:Bookman Old Style Suggestions? Advice? /span span style=font-family:Bookman Old Style /spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Allied Interstate, LLC supervisors and employees are rude, threat customers with future calls and ask for postdated checks to bring the account current (which by the way, my bank told me is ILLEGAL). Can they ask you for a post dated check?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ my name is penny not sure why but 200 appeared in my account this morningt that is did not ask for i already recieved a small loan from some one else and do not want this transaction plus want my account number removed from list penny young\ EMAIL REMOVED REMOVEDhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have one payday loan that is legal with Cash Net USA My payment is 158.00 twice a month. Has anyone had any luck with them changing to a payment once a month which would extend the loan? I have 5 payments left and the 2X monthly is really difficult to make because Im trying to get caught up with regular credit cards and house payments. I would really like to be done with payday loans and caught up as soon as possible. thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been working with the hardship programs with Discover Citi Bank and Capital One. They all have set me up with affordable payments and discover Card and one of my two Capital One accounts are current now. CitiBank was hard and insisted the back money be paid so i set up 5 $195 payment to bring me current and for my other capital on I am paying $50 above the min payment to catch up with the $650 i am behind. My question is how are the people getting 0% and additional fees Whenever I bring lowering the rate they all tell me thats not possible. Also what else should I be asking these companies to help me? Thanks, Katehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need someone that will help consolidate my debt of uner $10,000 - can someone advise me of who can assist??? Cheers Sylhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :lol:I want to thank all of you for the help you have given me regards to my illegal payday loans. While I am not out of the woods yet from my legitimate credit card debts, I am working with the credit card companies to help me catch up with these payments. I also do have one legitimate pay day loan with Advance America which is licenced in my state. They have set up a reasonable payment plan in accordance with Washington State laws that I can actually work with and I feel is fair. This forum has helped me get out of a hole that occurred because of some medical bills my mother had that I was helping her with. I am her caregiver and she is on SSI Disability. Medicaid would not pay for some of the durable medical equipment she needed so I took out the loans to help her. I will not make that mistake again. I will also be canceling all but one Visa card, one store card and my Care Credit card I use for some extensive dental work I need that my dental plan will not pay for. Not having the tribal loans on my back will make it much easer to pay the rest of the debts I have. Thank you again for your advice and support in this battle most of us either currently share or have gone through before. :hug:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ To make a long story short, I had a Target credit card, maxed it out, and was making the minimum monthly payment (which was getting me nowhere, but was at least making them). I moved out of state and took an extreme pay cut, and eventually stopped making any payments at all. For a couple of years I had gotten phone call after phone call, as did most members of my family. I ignored them all. I started receiving letters from a debt collection agency with an option to pay off the debt at a reduced figure. Stupidly, I threw them away, just hoping they would forget about me. This afternoon, I received a letter from the Law Offices of Howard Lee Schiff, P.C. stating that they are representing Midland Funding, LLC, who is the current owner (Target being the original creditor) and they suggest that I send them a check or a money order for the balance due, payable to them. Heres the thing: I do not dispute the validity of this debt. I know that I owe it. Do I reply to this letter? Do I ignore it? Do I call them to try to settle it for a lower amount or is it too late in the game for that now? It is very high ($8,102.89) and there is no way I can pay the entire thing off. They state to contact their office with any questions, not Midland Funding, LLC. I have been reading a million different websites on debt collection/DV letters/SOL/court appearances, etc... and am overwhelmed with contradicting advice. HELP!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I graduated in 2008 and I have been paying every month on Keybank and ACS, both private loans. I even paid a large chunk of 10,000 to ACS last year yet ACS continues to harrass my co-signer every time I am late on a payment. I do pay every month and have not missed once. Yes I will admit i am late sometimes, maybe a few days and my co-signer will get phone calls and letters from ACS. He is tired. As for Key Bank, my loan was sold to them. My original loan I had said I was able to get my co-signer off as long as I pay for 2 years. In 2 years, to my surprise, I found out through a phone call that my loan was sold to Key Bank and Key bank will not allow my co signer to be released? my credit is not perfect. I cannot even consolidate if i want. What do I do? Please help me. However Keybank will not harass my co signer if he asked them not to call him or delete his number. I just want my co signer off both my loans. It is 2012 now and I have been paying since the day I graduated on July 2008.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got into some trouble with some illegal pay day loans and ended up with fees and having to change my bank account. Due to this I am past due on my credit cards. I have a total of five credit cards and will be paying off two and closing the accounts. The other three I am going to keep which are a Capital One Visa card, a Best Buy store card and a Care Credit card for dental expenses. The ones that will be closed are a Credit One Visa card and a First Premier Master Card. My first question is can a credit card turn into collections if you are making good faith payments even if you cant pay the full amount currently due? I am also sending letters to all of my creditors stating to stop calling my at my work, home and also to not call any friends, relatives or any references that are on any account. I will be both e-mailing those who have an e-mail contact number and also sending all creditors via certified mail, return receipt required. My second question is if the companies continue to call me, is this a violation of any federal or state law? I live in Washington State.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi everyone, I sent my version of the letter asking each payday lender about my account, the validity of their business, legality of doing business with me in Wyoming, etc. I got several responses, one of which was Vincent, which just called it good and cleared my account. But, Cash Call has sent me a fairly nasty letter telling me all this garbage about doing business with a Native-American business and given me until the 16th of this month to set up a payment plan that will start in January. They also have refused to communicate via email. Horizon Opportunities responded and the guy said this in his email, You are a citizen of Wyoming, however the contract was not made in Wyoming. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature are the laws of the jurisdiction in which the lender is located. Which sounds to me like a lot of nothing, trying to confuse me into thinking it means something. The email stated I can settle for $300 but he did not include any kind of proof of who they are. I do not recall anything to do with Horizon Opportunities. And, I am getting relentless collection calls at work and home from Alliance Asset Management. They did send a statement and it is for Cash Direct Express - GECC for $778. I have no clue who they are and plan to dispute the debt, in writing. So, guide me where to go from here. I can not close my bank account, I am not the account owner and my husband and I are divorcing. I cant make any changes to the account either, like taking myself off the account because we have an active, legitimate, loan. Any guidance is so very appreciated. Robyn Thorne Wyominghttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What does it mean when I log onto my account w/ United cash loans and it says to contact the compliance department? So I emailed about 6 times yesterday and called three times today. I spoke with them and they said that my account is with the legal or compliance department and that they would be contacting me. I dont expect them to contact me, because I have already notified them via email that I revoked ACH. Do you think that they will try to debit?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hello Back on Dec 2009 - I had a settlement with Citimortgage and in the contract it stated when I pay the amount it will read as paid / settled for less then full amount. I paid the debt and settled with them in Dec 18, 2009. To this date Nov 6 2012 it still says charge off on my credit report. I have called 4 times and have written letters. Today I called and the customer service agent said she was going to let underwriting know. You cannot know how much this has effected my bills. This is a 70,000 charge off that have been on my report for 3 years and I settled it. Everytime I call them they say we have no record of my calls. I now want to sue them for all the money is has cost me.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Need help in Ohio. I have been talking to a couple of you. I need to make sure if I proceed with this I am not digging a bigger hole for myself. I have a loan with Western Sky which sold that to Cash Call. Another one with Plain Green and Cashnetusa. Cashnetusa is screwing me the most. My loan is 1800 bucks but I had to extend that so I am being charged 460 every two weeks. that 460 is not even going to my principal. If I follow the instructions to contact my bank and stop all ACH and send them a letter about being illegal and only paying what I owe. I need to make sure this procedure works. I can not make matters worse for me. I contacted the consumer financial department in Ohio and they said I need to follow my contractor or contact an attorney. Hello I can not afford an attorney. I need someone to contact me who has sent them a letter, closed the bank account and is getting debt free from this vampires that are sucking all my money out of my paycheck. Thanks to everyone that answers.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been served with a lawsuit from Michael J. Scott. I requested debt validation from Michael J Scott and Capital One prior to the filing of the lawsuit but never received anything from MJS and only received a form letter from Capital One saying they were referring my request to the appropriate department. I am prepared to answer the complaint but need to know if I include copies of the letters I was sent from MJS and Capital One as well as my request for validation and the certified mail receipts?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ where can I go and get dedt validatin letter on internet to print offhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If you received a loan from Western Sky and all documentation signed was with the name Western Sky and now transferred to Cash Call is this loan legal in the state of florida. I personally dont think so since a tribal loan is not governed by state law, how can they transfer to Cash Call. I believe they are trying to get around the lender laws in florida because of the rates of interest they charge. Can they go after you for non payment since western sky is the originator of the loan?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received notice of judgement that has been in place for nearly 10 years. What are my rights with this debt in Utah? It has been passed the 8 year SOL time, but I am confused as to if the SOL applies to both parties.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ The irs levied my back account by mistake they sent the bank a release and they put the money back in my account but the bank charged me a $100.00 fee. I asked them why didnt they put the $100.00 back in my account and I was told I need a letter from the irs stating that they made a mistake what steps do I take to get the irs to write me a letter stating they made a mistake?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ They are calling my office every day and I dod not have a contract with them. please give me infomration on who to call to sue. thanks.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I lost my ebt card sept 30,2012 ,i have not recieve not one card yet,,was mail oct 1 went back on the 15th ,was reissue another on the 15th ,it never made it to me,they recirve it back on the 25th.reorder it on the 31st,have not recieve that one either..is there anything i can do?...it cost three dollars everytime,http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Need to know if preferred law who works with the moduification review board out in salt lake city Utah a legit company without issues or are they scammers.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I had 2 loans with Speedy Cash. Sent emails to request an EPP. No response. Called and was informed that since I had 2 loans only one would qualify for EPP. Was told that they would remove all my banking info, debit card, checking info on 10/31/12. Was assured that both loans would now go into default on 11/05/12 since that was the due date and I should call in on the 6th to work out something with their collection department. Well logged onto their site this morning and one loan showed default and the other showed ach pending. Looked at my checking account and sure enough they had sent it through. I called in and they had no answer as to why this happened. Anyway, I was able to get them to split up the one in default into payments that I can handle. Lesson learned, I should have closed my checking account.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is the general concesis about adding the fact that I was not physically on the reservation at the time the contract was signed and that signing via internet is to recognized ad such by the federal government to followup letters to illegal tribal lenders? Sorry about spelling errors. I am posting from my phone.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Woke up this morning to this lovely e-mail in my inbox: This is to inform you that your account with us has been in default for over 2 weeks now. Attempts have been made to contact you regarding your account. Your refusal to contact us in return has been an indication that you do not intend to make good on the advance. As a step in our normal collection process we have reported the account to Telecheck and Teletrak Services. Being listed in these two services prevents check writing at major retailers, as well as applying for additional advances, or checking/savings accounts at financial institutions nearly impossible. This, of course, can be remedied by making FULL PAYMENT on the amount of the advance, in which we extended to you in good faith, or by calling and making an arrangement that both you and mypaydayloan.com are comfortable with. Continuous refusal to make good on the advance will result in the account being turned over to an outside collection agency for full recovery plus an additional 35% of the advance amount charged for fees and services. Granted that they are an illegal offshore lender, can they do this or is it (as I suspect) a scare tactic? I doubt it would matter to me either way, as Ive closed that account, have already opened another account, and dont see myself writing checks anytime in the future.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused: This loan has put me in a bad place.. I borrowed $300 and was told the interest was $90...four payments of $90 has been deducted from my account.. total of 390.00 I was told this would be a payoff.. I spoke to someone on the phone name unknown.. advised $140.00 would be due each month... I just received a call from a supervisior no name was given.. what a rip off ..I am going to report this to my bank as a fraud..no help from these people.. I am having heart surgery on Friday and can not deal with this..:rolleyes::lol:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello This forum has been a huge help!!! I was drowning in payday/installment loan debt. I borrowed 2525 from WS/CC on 10/11. I have made all the payments up until I found this website. I sent CC/WS the ACH revocation letter on 11/02/12 and filed a complaint with the NJ AG. I received a pretty thick letter from CC yesterday....it says Im bound by tribal law etc etc when I signed the loan agreement it was as if I was in their territory. Is this true or is this just a another tactic that they are trying to use? I received at least 15 calls yesterday from CC,Im not answering. Based on what ive read, Ive already paid them and then some. Anyone have any advice Im sticking to my guns and Im not giving these illegal bozos another red cent. However, the tribal law /when I signed it was as if I was on the reservation has me a little uneasy. Any advice? thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have been contacting this company repeatedly asking for an address to mail in my payment to pay them in full and they just keep ignoring me, but they keep adding interest. What do I do? I had fraud on my checking account so it is closed. They cant take money out of that account. I want to mail them the money. This is seriously crazy that they wont respond to me.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Over a month ago I had a total of 3 pdls with 2 different companies. I was drowning in interest payments every 2 weeks. One night I was googling internet payday loan laws and I came across this site. Now thanks to all the help and advice on this website I have received paid in full emails from both companies. I dont think I can express how thankful I am for all the help especially from waffles and ohiogal.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Good evening, I apologize in advance if this has been already covered in other posts but Im trying to get my finances in order and would really appreciate any help that can be given. My fiance and I both live in Florida and have several oustanding balances with pay day lenders. We both have been paying them on time but it seems like we arent getting ahead (paying more than what has been borrowed) like we should. Im trying to determine the best course of action. Looking through other forums it seems the best thing that has been suggested would be to close our account and open a new one so they would not have access to our funds anymore but Im wanting to know what other options we should take. Below are listed lenders that we owe and what was borrowed and has been paid. We are trying to determine the legality of the debt and what to do. Any information would be extremely helpful and thank you all for your time. My loans (thus far): Green Trust Cash - Borrowed $200; Paid $402.50 Plain Green Loans - Borrowed $1,000; Paid $760.44 500 Fast Cash - Borrowd $450; Paid $725 Hers (thus far): 500 Fast Cash - Borrowed $400; Paid $480 Mobiloans - Borrowed $600; Paid $375.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :pFor those of you who need the physical address for Blue King Inc. It is Blue king, Inc. 46575 Road 417 Coarsegold, CA 93614. After I sent them an e-mail stating that this was an illegal loan in Washington State, where I live, I received a certified letter, return receipt required, stating that These transactions are legal and compliant with all federal laws regardless of the state in which you may reside. They further stated that if I did not send them 282.00 by 11/09/2012 to pay off the balance I borrowed of 600.00 they I would owe a grand total of 948.00 more. I did not receive the letter until 11/02/2011. I do fully intend to pay the principle amount but they are getting it in money order payments. I know that this is a bunch of bull as short term loans are regulated by the states and if the lender is not licenced in the state the borrower resides in then the loan is illegal. I find it funny that they are trying to pull this when there are so may tribal entities being sued by the California AG for illegal practices. I am filing a complaint against this with the California AG and will be sending a copy of the letter and the fact that this lender is not licenced in Washington. Anyone else who gets letters from this company stating that it is compliant with all federal laws should do the same.:phttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently have 3 payday loans(PLS,Paymax.com, and through my bank). Because of the loans all due every 2 weeks and the high interest on them, My rent is behind,my lights are about to get turned off, and im living from loan to loan .I need help fast. Can you help me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have keeping getting calls from a Mr. Greg Rider a paralegal with Unified PS group about taking me to court for a loan from mypaydayloan.com. I live in the state of Texas. I had been emailing with them to set up payment plan but now it is with this company. I cant tell if it is a scam or legit. Will they really take me to court? I agree to set up a payment plan but the more I think I about it I feel really unsettled and I dont know if it is a scam. How do I find out if it is a scam? Has anyone else had any contact with them? Thanks for your help in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im trying to find addresses for a couple of payday loan companies. Can you help? Rockford Hydrafund Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do i get them to remove the negative info they put on my credit report. I already paid this bill to the original credit witch was my doctor and still my doctor ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone ever heard of this pdl?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :cool:I saw in credit report the amount of $2329.00 dollars I know is a big mistake from your company .Tell me to who i oun tha amount.I know is a big mistake from some body and is not from me.dont forget send to me an e-mail to EMAIL REMOVED PER TOS but include the name of the company that give to you the amount to collect..THANKS....http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I also received a colletion letter from Northland Group which they said, I have an outstanding debt on a credit card some 10 years ago. I asked them why it took so long to contact me and they said, they were trying to locate me. I find this very strange and Im very suspicious. The letter states an approximate amount of $2000.00 and they would settle for $220.00. I told them I was a victim of a credit card fraud around that time so theyre asking me to send them a police report which I have. Being this is a suspicious matter, Im not sure if I should. Please advise. GiGiDeehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:I live in Ohio and I have 3 pdl that are taking my whole paycheck now. Western Sky which was sold to Cash Call, Plain Green and Cash something else. What can I do. They dont want to work with me to lower my payments. I feel so helpless. I work my butt off to earn my paycheck and all it goes to is fee for the pdl. My check is not even paying the loan down just the darn fees. Help EMAIL REMOVED PER TOS credit counseling help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in MI have several PDLs . Am looking to go with Solid Ground Debt Settlement in FL. Any warnings advice? Anybody know them or use them? Can I do this myself?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I live in Texas. Today while at work my cell phone rang. Not recognizing the number, I hit ignore. The caller immediatly called back. I hit ignore. The third time I answered because I was worried it might actually be important. The man told me he was a locator for a pre litigation firm and he needed to let me know he would serve papers to me this afternoon.I asked what this was in regard to. He tells me some hogwash about the envelope being sealed. He gave me a numbe to call and a claim number. I called the number and the rude man that answered tells me that this is in regard to a payday loan I took out from Check N Go storefront in March 2010. He couldnt give me an amount. He said they were going to file charges for fraud and breech of contract. I told him I needed his address so I could send him a request for a debt validation letter. He refused and argued. Finally got thru to a supervisor. Went thru the same spill, with her telling me that they are subject to the fair debt collections act because they were pre lit, not collections. I said if I offered you money right now, would you take it? She said of course. I told her she proved my point, and how did I know she had any right to collect on anything? I never took out a loan with her company, so why should I owe them money? She still refused. I thanked her for her time and hung up. The first guy called back an hour later. The first 3 times he called I ignored it. The fifth time, I answered. He said he would have to serve me papers today. I told him good I was home right now. He said he would be here in 45 minutes. That was 2 hours ago. Jeez! I didnt mean to write a book. Sorry. My question is have I done the right thing, and do I need to do anything else? Thank you in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am so excited. 3 out of my 6 payday lenders have closed my accounts and satisfied in full. i want to thank all of you for help. couldnt have done it without you. cash call is the only one giving me a hard time but i am gonna stand my ground. thanks againhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello everyone, this is really embarrassing but I took out a 350$ payday loan 10/17 and its due today 11/5 for 405.00. I also live in Washington State, I am unable to make the payment, but will be fully able to pay the whole thing off on 11/20 my next paycheck. I just called collections and they couldnt do ANYTHING for me because it hasnt gotten to them yet. They told me to LET it go to collections then they will be more than happy to work somthing out with me. But thats all I got out of them..... What hell storm should I expect in the next 15 days? who should I call next ? Im totally lost and confused as to what to do as of now and its killing me. ANY help would be SO very appreciated !!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Anyone you would highly suggest to use? I am currently being courted by Pacific Debt but there are fees involved. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a notice on my credit report that I have an account with Medicredit that is in collections. I would like information on what it is for. I have not received any mail or phone notifications and have no idea what it is for. The amount is for $374.00 and it was opened on 12/1/2010. Please get back to me asap and let me know if it actually my debt or an error on your part that needs to be disputed. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What a great Forum. It is helping me tremedously. I am located in Illinois and I have 7 payday loans all done over the internet. I closed my account and issued letters to all of them. Stopping their ACH previleges and any wage garnishments. I listed what I had borrowed what I had paid and what my intentions were. If I over paid I requested a refund. I received an email from one of the companies saying they would not refund any to me but my account was considered paid in full. I have heard from one other company 500 Fast Cash they call constantly I have them blocked on my cell phone so they call me at work and I tell them that my letter stated no contact only through email or US mail. They dont respond to anything I say they just keep repeating themselves over and over and over again until I hang up on them. What should my next step be. I have resent the same letter 3 times. And should I wait to hear from the other PDLs. Below is list of companies and what I owe. 500 fast Cash Loan Amount $200.00 have paid $360.00 in fees and $50.00 on Principal. US Fast Cash Amount of $250.00 and I have paid $225.00 in fees Everest Cash Advance $200.00 paid $597.00 My Cash Now Total Amount $1250.00 I have paid $964.00 Ideal Gelt $450.00 I have paid $450.00 Bottom Dollar Payday Loan $300.00 I have paid $45.00 Insight Capital LLC $100.00, I paid $600.00http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I sent out through email a letter asking for a refund after reading all the info (which has been a great help with other lenders) today I received a letter through the mail a copy of my loan agreement, terms and payments and it stated that if I was not happy with the terms to pay it off now to avoid further interest. I overpaid by 2500.00 and am 2 months behind. The calls just started coming today. What can I do Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Let me know the phone number or address to sent you money debt.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello I am currently in a Debt Management Program due to moving and the bills were just way too high and the credit card companies would not work with me. I plan on purchasing the house that I am currently renting in 7 months. I am interested in a USDA loan due to having no down payment and I live in a rural county in North Carolina. I have spoke to multiple Mortgage Lenders and they said I wouldnt be approved due to being on a DMP. I would like to know if that is true? and if it is, is there any way of going off the DMP but still making the payments that were agreed upon myself because I cant afford much more. Thank you for all the helpful information. :Dhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I try contact but not answer phones Please call me or give phone number I like talk with you about the offer ...and pay today!!! call me now!!! please If you have REP a Speak Spanish ..Grat!! dont worry and try in English Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ A year ago, I received an application for a Pay Pal Smart Connect credit account. I threw it out. A month later, I was sent a bill for $25.00 from merchandise I supposedly bought from a company in China. I immediately sent a dispute to Pay Pal, as I do have an account with them in which I use my credit union visa card. They wrote back and said someone would be contacting me, but that they saw no such activity or opened charge account in my name. As far as I know, they did not call. One month later, I receive another bill. This time for a few HUNDRED dollars. I immediately wrote to the person who had responded to my first inquiry expressing my anger that this was the account that I never opened and informed them of; AND that this account was still opened and being used. Shortly after this, I discovered that several firefighters from my credit union were having the same issue. I received a statement where charges were credited sometime in January and then another in March where more charges appeared. I ignored it this time. Correspondence stopped and I assumed this was because Pay Pal became aware of the fraud since it happened to an entire group. NOW, I am applying for a personal loan and it is showing up on my credit report. The moment I sent proof that I had contacted Pay Pal, a collection letter from First Source was sent to me saying I must respond to them in 30 days or pay this in full. Before I call, any advice???http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently have four internet PDLs that I would like to make payment arrangements on.I am current on all four but the interest rates are killing me. I have the loans through United Cash Loans,Everest Cash Advance, Sure Advance and cash direct Express. I was wondering if there is a sample letter to request payments. These are all set to take out finance charges again on Friday. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I just received an email from Plain Green that they accept my settlement offer of principal only and will consider the debt paid once the last payment is made. My question is can they still report the account as late or a settlement instead as PIF? Thank You, Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:Hi. Thanks for so much for the great info on this site. I am a bit confused, though. I live in Kansas and have several pdls. I am current on all of them, but drowning. I have Plain Green Loansand Great Plains Lending (installment). Are these illegal in Kansas? I read that if they are, I am only responsible for principal? If I could get the interest stopped, I could pay off quicker. I also have Cashnet Usa, SpeedyCash, Mobiloans, which are open ended lines of credit. I think these are all legal. I am not trying to get out of paying these, but am considering closing my bank account and defaulting so that I can work out payments plans. What advice can you give me? Any help would be appreciated. Shttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call from LTD Financial Services about an alleged debt. I sent them a letter requesting validation and they responded : Thank you. We are in receipt of your validation request. This request has been forwarded to the original creditor. We have suspended all collection activity. Please allow 45 to 60 days for fulfill the request. Do have to allow them that time? I thought they had to respond in 30 days and if they dont the debt is no longer collectable. Thanks!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:Thank you for the info so far. I sent a letter to validate the debt, by certified mail. In one of their letters supposingly I have a court date in November 2012. Suing me to enforce Litigants Rights. I have not received any notices from court. I do not know what this debt is for. They did ask me to fill out a form with all personal info. If I did not do this I would be arrested. It did not come from the court. What else can I do? I live in New Jersey. Appreciate any help. Thank Youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a worry that if I do the debt con. I have a loan with beneficial (HSBC) and in the process can they freeze my checking account or garnish our payroll checks?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My citi is 143 days past. Called today to give settlement offer and was told they dont do that. Wanted to set me up on some ridiculous payment plan for 6 mos. I really found it insulting considering I was a member since 1999 and never late till this. Tell me they are just jerking me around about them not settling anymore... My balance is 7500. They didnt even want to hear my offer.:confused: Anybody got a different number to call to get the job done?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like to get a history of payments recorded on my credit card for the calendar year 2012. How can i obtain that information Winifred Zubinhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a question. I took a loan out with Western Sky Financial LLC. They are the ones who transferred me the money. However, well before my first payment was taken out the loan was transferred to CashCall Inc. Western Sky is a tribal lender but CashCall is not. As far as I can tell CashCall is taking all of the payment money and nothing is being transferred to Western Sky. My question is since the loan was bought and being administered by a non tribal entity that is totally outside of the reservation that the loan was gotten from, is it still considered a tribal loan? I have read online that a lot of lenders are unscrupulously getting tribes to sign to allow the tribe to be used for these loans that would otherwise be considered illegal. The tribes are getting very little in the way of actual financial compensation from these loans. Since the tribes are not actually administering or collecting these loans they are not really tribal loans per the Federal Government. Is this the case with Western Sky?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have sevaral PDLs had get new to pay others, i have been told to get a ACH revocation letter to my bank close my account etc. i want to pay what i owe but i dont no anything about EPPs or CNUs, can you help?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was scammed by the mass street group and closed my account to keep them from taking any more money out of my account than they already had. Since then I have been receiving relentless phone calls at home and at work saying they have important documents they need to fax to me. I have now been getting phone calls from a personal locator saying he is coming to my place of employment to present me with these documents that are notifying me of my claim against me and my criminal charges. My question is what can i do about this and is it legal in any way. Should I call the sherriffs dept.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. I became delinquent and I also received a letter from Blitt and Gaines, stating that they had been retained, and were attempting to collect a debt. Is what theyre doing even legal? Is it a joke? And if what they do is legal, how come they dont show their real faces on their website? Usually lawyers who are operating legally have no problem showing their faces. Has anyone ever seen or know what they really look like?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I called my bank Friday just to see what if anything could be done about the overpayments I made to the PDL companies. I told her that yes I had borrowed the money but at the time I thought it was legal...once I found out it was illegal in my state I closed my account and sent the ACH revocations..That I would pay the principal since I did borrow it...She said since I hadnt do anything fradulent then she would go back as far as she could and file disputes against the charges and said they were improper payments/withdrawals. She seemed to have knowledge of pdl companies and how they work. Said she couldnt promise that I would get money back but she would do what she could. I will know something within 10-14 business days. I know its a long shot and Im not counting on getting any money back but I figured Id try anyway since neither company I had loans with will acknowledge my emails once I mentioned a refund. Was just curious......has anyone else ever filed disputes with their banks and if so what was the outcome?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I want to negotiate with my pdl companies. How do I find out if theyre legal in Louisiana?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. Thanks for so much for all the info on this site. I am a bit confused, though. I live in Kansas and have several pdls. I am current on all of them, but drowning. I have installment loans with Plain Green Loans and Great Plains lending. Are these illegal in Kansas? I read that if they are, I am only responsible for principal? If I could get the interest stopped, I could pay off quicker. I also have Cashnet Usa, SpeedyCash, Mobiloans, but I think these are all legal. Any help would be appreciated. Shttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi. Thanks for so much info on this site. I am a bit confused, though. I live in Kansas and have several pdls. I am current on all of them, but drowning. I have Plain Green and Great Plains. Are these illegal in Kansas? I read that if they are, I am only responsible for principal? If I could get the interest stopped, I could pay off quicker. I also have Cashnet Usa, SpeedyCash, Mobiloans, but I think these are all legal. Any help would be appreciated. Shttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi I sent a letter via email to cash call looking for a refund of over 2500.00. Does anyone know how long it takes them to respond? It has only been 3 days. Thanks, Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have been trying to sign up to the forum but am having trouble. Anyway I sent PGL a letter and here it is Dear Plain Green Loans, It has come to my attention that payday loans are prohibited in my state of Massachusetts. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received 1400.00 on 9/5/2012. and have made 2???renewal??? payments. One for 145.00 on 9/24/2012 and one for 140.46 on 10/5/2012 leaving a principal balance of 1,114.54 I am willing to repay the 1,114.54 balance via credit card in 10 monthly installments of 100.00 each and 1 final installment of 114.54 on 12/4/12 and every month on the fourth until paid in full on 11/4/2013. At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please contact me to set up payment arrangements as outlined above. Thank You, Heather They sent me a reply with different terms and I dont know if I should accept it. they also added a few dollars in interest. Here is their response, Please be advised that this communication is for the purpose of collecting a debt. Any information obtained may be used to collect the debt. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Dear Heather: Your correspondence has been directed to me for review and I thank you for the opportunity to assist you at this time. We understand that all situations are different and would like to offer you the opportunity to pay the remaining principal in the amount of $1,118.72. We will settle your account for this amount in eight (8) installments of $139.84 payable November 15, 2012 and monthly thereafter. . To further clarity your questions regarding the legality of this loan, Plain Green is organized under the laws of the Chippewa-Cree Tribe of the Rocky Boy???s Indian Reservation of Montana (???Chippewa-Cree???). Plain Green is owned by the Chippewa-Cree, and operates exclusively on land owned by the Chippewa-Cree. As such, Plain Green stands as an ???Arm of the Tribe,??? in the view of the United States state and federal courts. Therefore, loans made by an arm of a sovereign Indian nation are not subject to state law. This is NOT a payday loan. This letter is written to help you understand that Plain Green and its loan contracts are governed exclusively by the laws of the Chippewa-Cree. Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. Please reply if you would like to accept this settlement and set up payment arrangements . Should I accept? Any info would help. Sorry everything is so crammed together im not very good with computers. Also any help with logging in would be appreciated. It wont let me. Tells me my password is incorrect when I try to reset it it never sends it to my email address. Thank You, Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i have a question in reviewing my western sky aka cash call loan i received a loan for1500.00. i only received 1000.00 because they charged me a 500.00 fee . should the principal amount be only 1000.00 then? i have been doing alot of reading on your forum and see 75.00 charge have you ever heard of this? i really appreciate all your help and i have learned alot from the forum. thanks. is it better to deal with these people on the phone or email? cashcall is blowing my phone up but never responded to my email.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is the company titled payday support a scamhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This is the email I sent to zip19... [COLOR=black]span style=font-family:Arial Dear Zip19,/span[/COLOR] span style=font-family:Arial span style=color:black;It has come to my attention that payday lenders must be licensed by the state of Kansas in order to offer loans to its residents. Since your company has no license in my state, the loan contract for 400.00 I have with you is not valid./span/span span style=font-family:Arial span style=color:black;I am revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked./span/span span style=font-family:Arial span style=color:black;Please respond to this email with acknowledgment that my account has been satisfied in full. /span/span [COLOR=black]span style=font-family:Arial I will be contacting the office of Attorney General as well as the Federal Trade Commission if this is not taken care of./span[/COLOR] I have received no response but when I tried to check my account with them I got a message saying I do not have authority to access their website.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am getting ready to call checkngo to try to get an EPP. I am in Ohio and this was an internet loan. It was also an installment loan. I am perfectly willing to pay the balance I owe. I was the idiot that got myself into this and I am responsible. My question is about the installment loan part. Is EPP even an option with those? I am just curious as to what I will be met with when I call. I just cant afford the huge payment anymore. The interest rate was like 300+ percent, which I know is illegal in Ohio, but they are licensed in Ohio and even based with storefront in Ohio, so I am assuming they have found a legal way around the 28% limit. But, maybe there is something someone on here can tell me that will help. I apologize if my question is already in someone elses post on here. I have scoured as much as I can and I am trying to act quickly. I know a lot of the cost with this loan is the CSO fee. I am assuming I will have to pay every bit of that even if I can get an EPP. Thanks for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I am new here and new to PDLs, however I am in desperate need of about $400 to get my life back on track. I have received a pre approval letter from mobiloan and was considering trying them out. On the site it shows a payment calculator and what my payments would be, yet I am skeptical. Does anyone have any experience with Mobiloans? I live in Mass and not sure what the laws are, but i do know that most PDL companies are illegal. My only real concern would be Mobiloans taking too much from account or screwing up my bank account in general. Any help would be GREATLY appreciated as I am minutes away from giving in and applying.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Help! I am in desperate need of about $400 and just received a pre approval letter from Mobiloans. I know that obtaining any PDL is taking a risk, but I was wondering if anyone has used Mobiloans and NOT had trouble? They show a payment calculator on the website indicating what my payments would be but is there a catch? I have already screwed up my account at my last bank and dont want to go through having to closing and opening a new one.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello it seems there was a miscalculation on the part of you. I sent out my letters to the lender saying they were illegal and that my bill is gone. Essentially I said I am refusing to pay my bill. The lender kindly said that your experts are wrong and that I had to pay the bill. He even offered me a reduced bill. I balked at the offer. I used the extra money to pay for items my deadbeat former self wanted. Crack, hashish, and video consoles. This was the life. Things change, however. The sheriff called me up and told me I owed a bill. I told the sheriff he was wrong. Some debt experts in the Internet said, after all then, i was served a summons at my work for check fraud, collateral fraud, violation of thefts, robbery, deception, and fraud by theft. I was thrown in a cell. Not treated too kindly either. I was violated and turned into a career criminal, snorting coke off the guards for money. All because I decided not to pay my loan. Then came trial. The judge sentenced me to 13 years hard labor in a maximum prison. It was brutal. The other prisoners viewed me as a piece of garbage for committing fraud and not paying my bill. I was violated every day and night, beaten and raped. Then came judgement day: the sheriff took my wife and kids into custody for aiding in the committing of a crime. My wife and kids sat in cuffs for months. My father and mother were next. Now I have raised a family of jail birds all because I didnt pay my bill. They were all raped in prison for lack of bill. Lesson learned, pay your bill or see your wife and kids violated and put in cuffshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=font-family:Times New Roman span style=color:black;I emailed great plains advising that since they were not licensed in kansas that I would be paying the initial loan in three payments by money order...below is their response.../span/span ispan style=font-family:Arial span style=font-size:2;span style=color:black;By way of background, FACR I is a limited liability company organized under the laws of the Chippewa-Cree Tribe of the Rocky Boy’s Indian Reservation of Montana (“Chippewa-Cree”), a recognized Indian Tribe and sovereign nation. FACR I is owned and operated by the Chippewa-Cree, and operates exclusively on land owned by the Chippewa-Cree. As such, FACR I is an “arm of the tribe,” and entitled to the same immunity from state laws as is the Chippewa-Cree. See Cash Advance and Preferred Cash Loans v. Colorado ex rel. Suthers, 242 P.3d 1099 (Colo. 2010)./span/span/span[FONT=Arial][SIZE=2] [COLOR=black]Therefore, the activities of FACR I are not subject to licensing by any state and are immune from any state investigation or enforcement actions. The Colorado Supreme Court made clear in the Cash Advance case by holding that “tribal sovereign immunity applies to state investigatory enforcement actions[,]”[URL=http://us.mc568.mail.yahoo.com/mc/welcome?.gx=1.tm=1290904392.rand=fb9cldvbbibja#_ftn1][COLOR=blue][1][/COLOR][/URL] with the Court further “[r]ecognizing that Congress has not imposed any limitation on the application of tribal sovereign immunity to entities acting as arms of a tribe, all the federal courts of appeals that have addressed this issue have held that such entities are entitled to immunity.”[URL=http://us.mc568.mail.yahoo.com/mc/welcome?.gx=1.tm=1290904392.rand=fb9cldvbbibja#_ftn2][COLOR=blue][2][/COLOR][/URL] Thus, any state attempt to exercise supervisory powers over FACR I as an arm of an Indian tribe impinges upon the tribal sovereignty of the Chippewa-Cree.[/COLOR][/SIZE][/FONT][SIZE=2] span style=font-family:Arial span style=color:black;However, FACR I takes all complaints along with customer service very seriously. As such, we have reviewed your inquiry and have noted your account regarding your revocation of ACH authorizations. Please note that the contract you entered into with FACR I is a fully enforceable contract under Federal Law. Having clarified the legality and validity of the agreement you signed and have entered into we urge you to contact our customer service department to resolve your current default status. Every effort will be made to work with you to rectify this situation The outstanding balance due and owing on your loan is $360. The payment of $126 made on the account was applied to interest as defined and agreed to in your loan agreement. Please note that your loan will continue to accrue interest as specified in your loan agreement. Please contact our office TOLL FREE at /spanspan style=color:black;888 769-3227/spanspan style=color:black; to make payment arrangements or in the alternative, mail payment to:/span/span span style=font-family:Arial span style=color:black;First American Capital Resources /span/span span style=font-family:Arial span style=color:black;93 Mack Road Suite 500 /span/span span style=font-family:Arial span style=color:black;P.O. Box 126/span/span span style=font-family:Arial span style=color:black;Box Elder, MT 595221/span/span span style=font-family:Arial span style=color:black;If payment is not received, FACR I reserves all legal rights under the contract to pursue and preserve its interests in Federal Court/span/span [/SIZE]/ihttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do you find out if a lender is licensed in Florida?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need advice on how what my next steps should be. I received a response back from the Dept of Commerce and it wasnt really helpful. The letter states: [INDENT]iThe Dept of Comm has reviewed the complaint info you sent to this office regarding the company referenced above. Based on the documents you rovided, it appears you obained a loan in the amount of $2600. Western Sky Financial, LLC is an entity wholly owned and operated by the Cheyenne River Sioux Tribe, a federally recognized Indian Tribe, a federally recognized Indian Tribe. Neither the State of MN or the Department of Commerce has jurisdiction to intervene on your behalf becuase the loan was made by a federally recognized Indian tribe. As a sovereign nation, Cheyenne River Sious Tribe retains immunity from federal and state laws. /i iBecause we have no regulatory authority over Western Sky, based on recent rulings in various state and federal courts, we will be closing our file on this manner. /i [/INDENT]I was told by the Atty general that they were going to close my complaint b/c there wasnt anything for them to do b/c they were a internet loan and they dont regulate these. What should I do next? :confused::confused::confused:http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My son died 3 years ago. We are now selling his house and 2 judgements pop up against him from 4 and 5 yrs ago. What obligations are there for the estate? And how do determine if they are valid or if my son paid them off? State of Texas btw.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is known about Payless Financial Group out ot Jupiter, Fl.. They want me to money gram them a enrollment fee and then pay so much every two weeks to help me with pay day loanshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ They actually called me from 2 different numbers; one claimed to be the sheriff and the other claimed to be a lawyer that was going to press charges; there tactic was extreme can I do anything about this?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 payday loans that I cannot pay the fees every payday, what are my options? Are they legal in Indiana? They are: Cashtaxi - Borrowed $600 -- They want the full amount plus $119 fee on my next pay day Cash Yes - Borrowed $700 - Paid $210 so far MyMoneyChest - Borrowed $900 -- Paid $1,143http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a call, and so did everyone else in my family saying I owed a PD loan from 2007 and I needed to pay by 2:30 or I would be sent to the local DA for charges!!!! Scared!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello: I am hopeful that someone can provide me with some information regarding the following pay day loans. I reside in Texas. They were all done via the Internet. There are four from the following companies. Clear Creek Lending: 1,500.00 CashNetUSA: 1,600.00 CheckNGo: 1,000.00 Cash Central: 500.00 I currently am not employed and have no way of paying what they are asking. If anyone can provide options and any other information as to what can occur because I am unable to meet their demands. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have two outstanding PDL with United Cash Loans and Ameriloan. I didnt think that they could be illegal until I read this forum. Please let me know what I can do. United Cash Loans: Borrowed 200, owe 260. Ameriloan: Borrowed 300, owe 390, payed in fees 270. Thanks!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have successfully stopped the automatic withdrawals from Western Sky/Cash Call utilizing the suggestions found on this forum. But now Cash Call is sending me letters and have reported it on my credit report that I am 60 days past due. Continually offering me lower payments in an effort to have it removed from my credit report. Any suggestions on how to convince them that I have paid them back and then some so that it is not a ding on my credit?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need a copy of a letter for payday companies to just pay principal etc...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have five lenders I sent ACH revocation letters to on October 24th Integrity borrowed 500 have paid 450 Idealgelt borrowed 300 have paid 90 Ezpaydaycash borrowed 350 have paid 420 Cashdirectexpress borrowed 400 have paid 675 Magnum re-ups several times over over paid by 290 cashdirectexpress immediately gave my a PIF Integrity wants me to pay them 200 which they say is the original 500 plus 150 fee less my payments. Told them I would pay them 50 Idealgelt. Sent them a payment plan.. have heard nothing back at all Ezpaydaycash....never tried to draw on account and never have received an email. Magnum wants me to pay them 250.00. Told them I have already overpaid..have heard nothing back. Do I just sit back and wait or continue to send emails requesting PIF or payments plans for the ones I do own principal on?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Cash call has started calling. D I talk to them or jusr be very to the point loan is illegal and paid in full. Im not paying another cent and hang up. Is that ok or tell me what to do please. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ :confused:What I would like to know how is it that my creditors would like for me to pay them when they use abusive and shady companies to lie, cheat and bully me into a payment. When I get threats I just dont pay. I would rather a judge tell me to pay it. I have been trying to get my credit cleaned up for a year now. There are a couple of companies that have not taken the steps of reporting the payment yet. We all fall on hard times. This is nuts that we have no protection from this type of scum.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I posted on here about a loan I have with Cash Call and was given advice on sending the letter and asking for a refund. I borrowed 2600. and paid 5500. I sent it through complaints@cash.com and also copy and paste it into the email on their website. Should I send it to someone else? I have not heard anything back yet. How long does it usually take to get a response? Any info would be great. I also made sure I put my account in deposits only status since it is overdrawn and my bank wont let me close it. Thank you Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am one of those with a western sky loan. i stopped payment and wrote a letter to them about their illegal i have not heard back from them but i did hear from our minnesota department of commerce. they say the cheyenne river sioux tribe is federally reecognized indian tribe. neither the state of minnesota or department of commerce has jurisdiction to intervene on my behalf because the loan was made by a federally recognized tribe. as a soverign nation they retain immunity from federal and state laws..what does this mean and where do i stand?.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, Please forgive my lack of knowledge on this matter but what is the point of the means test in the first place? From what I read is that the only thing that really is looked at is the schedule I Vs Schedule J. Take me for example, If I make $2000 monthly and my wife makes $800 monthly we fall way below the median income here in Arizona. Our bills as they are now add up to about $2400-$2600... As I understand it I would not be able to file chapter 7 even though we passed the legalconsumer.com means test with flying colors, in fact it tells me that I would have -$63000 to pay my creditors after 5 years ( im not sure if it is a reliable test or not). I know that we would technically have $200 left over but we also lack health ins and other needs that come up as well. Now I know I put myself into this mess so it is me to blame but I am just a little confused. Thank you in advance for any knowledge you can give me.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just came across this forum, and I am soo glad i did. I hope someone can help me and lead me towards the right direction. Have taken out three plain green loans in the last three years. One for $800, $1000 and now $1200. My first loan I paid back a total of $1,376.11, second loan pd back total of $1,896.88 and third loan still paying and so far pd $2,015.18. My question is since Ive paid the principal amount Ive borrowed can I send them the ACH revocation letter? And if so, could I request for refunds on this current loan and the previous two I paid off? Has anyone been successful in receiving a refund? I cant believe I stumble upon this website. I thought Id be suffering for another five months paying them off! Any help is greatly appreciated. And btw, Im in CA not sure if that matters. Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, is it me or is the forum dead ?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Does Plain green loans initially check your credit when first filling out an application?Because I have a ton of inquiries!!:mad::mad: I wish I wouldve found this website earlier!!!what can i do!?!?!?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I need help. In a bind I took out a loan with Great Plains. Ive paid 2 of 12 payments. Ive been doing some research and it looks like loan companies are supposed to be licensed in Alabama to operate. Trying to figure out what to do next. Am I legally bound by this contract? How do I address this with Great Plains? Any help would be greatly appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I would like to consolidated some pay day loans and jewelry pawn loan. do you provide this service?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Just letting you guys know, we are going to be down on power here on long island until well after election day probably. I am writing from my laptop on wifi tetherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ will this effect my credit if i consolodate my credit cards the reason i ask is because im trying to purchase a home and i need some of the debt paid off in order to do thathttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have payday loans out with Quik Cash (storefront) for $500.00 and one with Great Plains (online lender) for $500 as well I just want to know really if this site http://www.online-payday-loans.org/state-licensed-lenders/ is legitimate resource to determine whether or not Great Plains is a legal lender in the state of MO. Any help you could give regarding this would be greatly appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I/m getting calls from a company called United. 877-630-8392. said they are litigation company for payday loans. they have been in my email address and calling my job caused me to loose my jhob and want me to pay them for loans i know nothing about. they have been in my checkin accout taking money and sent bank a fraud check a signed my name to it to take money out of account saying i owe a payday loan co. cops and bank says i cant do anything .i dont owe them anything what do i do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I owe a student loan from 17yrs ago, how do I go about paying it back.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello and thank you for having a place like this for people like me to come and feel like we are not alone. I lost my job about two months ago and have come to the conclusion that it is time to think about filing for chapter 7. I am about $25000 in unsecured debt and without a job I can no longer pay. I have spoken to an attorney and she said that I am a prime candidate for chapter 7. I however am very analytical and just want to make sure, I have found that information in the internet can be very contradicting. So I have landed here and would like some advice. I have a family of 4 and fall way below them means test located on legalconsumer.com. My wife works but only makes about 800 a month and currently I am unemployed so a chapter 7 makes since but from reading on the net really the only thing that matters is passing the Schedule I Vs J ( the means test only tells me that I can qualify for chapter 7 not that I can do a chapter 7 ). My question is that when I get a job what will the trustee look at, what I am making at time I file or the last six months. I also would like to know what type of expenses can I put on the schedule J for Arizona, I cant seem to find them on the internet. By the way even when I get a job we will fall short of the means test by $30,000 so I am sure I will qualify for chapter 7 but my worry is that I may have a little disposable income if I can not get my J to match my I. Any help would be very much appreciated. All I am looking for is a fresh start, a chance to start over and do it right this time no debt...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I just received the following email from 500fastcash Attention: mynname Application ID#: 1994618488 Thank you for your recent interest in 500FastCash. Unfortunately, we have been unable to receive the information needed to complete your loan application. Therefore, your application has been withdrawn. This could be due to one of the following reasons: ul liDue to your request to have your loan withdrawn. liUnable to verify employment. ul liUnable to reach anyone at the number provided liNumber provided was incorrect or disconnected /ul /ul The work number you provided on your application is bxxxxxxxx/b. Please check this number to verify it is correct, and contact our office at 1-888-919-6669 as soon as possible to provide us with this updated information. b*Note:/b A Human Resource or Payroll Department phone number, a specific extension or department is the best phone number to provide. We look forward to the opportunity to serve you and appreciate your business. Thank you again for your interest in 500FastCash. way back in 10/9/2012 when i started looking into the payday loans..i received the same email from them, that they withrdrew my info, so i was surprised to receive this today I have recently paid all my payday loans, which is the great news..I had 6 of them. they were My cash now $460pd Sure advance $500 pd Bottom Dollar $600 pd Integrity $500 pd United Cash loans, $300 pd which i know is afiliated with them Great Plains Lending $600 pd after finding and exporing this site I knew I had to pay them off fast and then close my bank account to close the door on any funny business that could occur.. Lucky for me, non of them tried anything. My question is, do i have anything to worry about and what should my next step be, should i send them an email..I think i have made every step to protect myself and i have no intention of calling them. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, After reading through the helpful threads in this forum, I realized Boulevard Cash is an illegal offshore lender (based in Belize). I originally borrowed $500 from them, and have made 3 $150 interest/renewal payments, resulting in a $50 balance. I emailed them yesterday afternoon as directed using one of the ACH revocation letters I found here, and also notified them I would pay the remaining $50 balance although I was not required to do so and would do it via prepaid debit card or money order. Here is the response I received today, in case anyone has an account with them too and would like to know how they work: Dear XXXXXXX: Thank you for your email. We appreciate the opportunity to clarify Fireside Cashs business practices. Fireside Cash is located in Belize. As we state clearly in the loan agreements you signed and the terms and conditions to which you voluntarily agreed to, the law of Belize applies to your loan. Courts in the State of Nevada recognize and enforce choice of law provisions such as the one that is included in your loan agreement with us. Thus, your statement concerning permissibility of this loan in your state is simply incorrect. Additionally, it was you who proactively searched for an Internet loan and willingly accepted the funds we deposited into your account. We have multiple recourses to retrieve our funds, including collections and legal remedies, which we are prepared to enforce. In the spirit of good faith we prefer not to pursue these options, as they are costly to both parties. bAs a courtesy, and with no obligation to do so, we will accept a settlement for the original principal loan we made to you in the amount of $500.00 In doing so, we will also waive any accrued finance fees and charges./b (bolded emphasis theirs) Be advised, upon your acceptance of this settlement you will not be able to access our services in the future. Sincerely, Fireside Cashhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have I internet payday loans, I have had to put a stop payment on them because every two weeks I was getting wiped out with the fees, I need to know if they are legal or illegal here in tx or what, If legal what are my options, I will pay back what I owe if legal but just cant all at once, please someone help.....here are the pd loans first cash direct/credit- borrowed 275 everest cash-400 have paid back 480 ace cash-600 have paid back 183.59 tx loan corp-275 have paid back 133.87 ameriloan-300 have paid back 360 speedycash-500 have paid back 242.05 cash central-400 have paid back 101.53 hydrafund-300have paid back 270http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ After dealing with these people, getting told they were going to get a court order for wage assignment, and my subsequent e-mail in return that I am revoking it, saying I would only pay principle back when I received a payment address and if they pursued wage assignment, they would be reported to the FTC, I was shocked to get this in response from Rickie Wheeler (rickiew@myloancenter.com) YOU CAN SEND ANY PAYMENTS TO THIS ADDRESS: 691W 1200 N Ste.100 Springville, UT 84663 ----------- What is interesting, is that FastMoneyStore is an illegal tribal lender who services their loans through CashCloud, but rickies e-mail was from myloancenter, and their website redirects to mypaydayloantracker after you log in. I will be paying back the principle, but I was wondering what steps should I take to document payment being sent to them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Western Sky considered a payday loan. They are not licensed in the state of Alabama but they transferred my loan to Cash Call with they own and Cash Call is licensed in Alabama.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ How do i contact rjm? The numbers are busy and website does not work?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ [COLOR=#000000]span style=color:#000000;I made the mistake of signig up with PaydayLoanDebt Assistance and now I want to cancel/terminate it---I have made 3 payments to them, and all have gone to them for their Debt Relief program--which I did not order and other part of my payments are going to the designated savings account they chose for me for their service fees. There has been hardly any communication from my designated customer service professional that is supposedly handling my case./span span style=color:#000000;Do you have any suggestions on the best way to go about cancelling this and requesting a refund?/span span style=color:#000000;Any advice and help or suggestions is greatly appreciated!!!! /span [/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a pdl that i defaulted on before finding this site so i did not send the pdl people a email about revoking their ach or wage assignment so i get a call from these people last year offering a settlement that i took the amounts were crazy and it was very hard for me to do but i did manage to make most of the payments and i thought that i had made them all but they callled again today saying that the wage assingnment was still valid and they were going to be sending it to the state of florida and could take up to 25% of my income until i had paid the 2000 they now stated that i owed and i had to do it today or they would take monthly payments of 200 to take care of it. so i went ahead and gave her the info for them to take out the money they say i owe. she said i could fight it in court but they would be taking money until the court date. my question is is there something i could legally do so if this sort of thing comes up again? also is there anything i can do now? please advisethankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color:#000000;I made the mistake of signig up with PaydayLoanDebt Assistance and now I want to cancel/terminate it---I have made 3 payments to them, and all have gone to them for their Debt Relief program--which I did not order and other part of my payments are going to the designated savings account they chose for me for their service fees. There has been hardly any communication from my designated customer service professional that is supposedly handling my case. Do you have any suggestions on the best way to go about cancelling this and requesting a refund?/span span style=color:#000000; Any advice and help or suggestions is greatly appreciated!!!! /span [COLOR=#000000][/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a pdl that i defaulted on before finding this site so i did not send the pdl people a email about revoking their ach or wage assignment so i get a call from these people last year offering a settlement that i took the amounts were crazy and it was very hard for me to do but i did manage to make most of the payments and i thought that i had made them all but they callled again today saying that the wage assingnment was still valid and they were going to be sending it to the state of florida and could take up to 25% of my income until i had paid the 2000 they now stated that i owed and i had to do it today or they would take monthly payments of 200 to take care of it. so i went ahead and gave her the info for them to take out the money they say i owe. she said i could fight it in court but they would be taking money until the court date. my question is is there something i could legally do so if this sort of thing comes up again? also is there anything i can do now? please advisethankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call from a man name John Morgan and the phone number was 3134366658 calling from Detroit Michigan. He said he had my account in formation and social security number making legal threats. The company he said was usa cash advances over 500 loactions but never stated which company. He just started calling the last 2 days and making threats to contact job and home and proceed with papers for legal action. When I called this number a man with Indian accent answered the phone unprofessionally. He just answered phone as a regular person, didnt sound like a business. Transferred me to another man but I didnt remember his name. I dont know if this is a scam or not, I have old payday loans from 4 to 6 months ago. ST ARMANDS was one, the rest have not contacted. The phone number is different as well as the State. I live in North Carolina and I want to know what can I do legally.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ This is quite interesting -- I would like to get the thoughts of other members and mods after reading this: a href=http://www.ftc.gov/os/caselist/1123023/120307paydaycmpt.pdfhttp://www.ftc.gov/os/caselist/1123023/120307paydaycmpt.pdf/ahttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Seems like Midland placed a lien on my home and I was unaware of it until I went thru a home modification. How can I deal with this? I need it removed.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Something just showed up on my credit about AFNI in default. I have no idea what this is or where it came from. Does anyone have a template for a Credit Dispute Letter? And if so could you please email it to me at jaccintx@aol.com. I would greatly appreciate it. Thank you!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Anyone get a straight answer from CashCall as to who/what/where are? CashCall wont give out info when requested.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I currently have outstanding payday loans, how can i get them to stop debiting my account legally? I have paid over the initial deposited amount, I am unsure how to handle the following companies, 500fastcash ameriloan thecashline I tried to make arrangements but since I havent missed a payment they will not. Thank youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ [COLOR=black]span style=font-family:Arial Is it True that if they say they want a certain amount of money but it is not affordable for me, as a single mother. That they have to accept what I can afford as long as it is reasonable? They say 10% of my gross income, and I have 2 other judgments I???m working on currently, I can honestly afford $50.00 A month, and that???s cutting out cable to make that happen, which is not a necessity!./span[/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am trying to clean up my credit report. One entry that is reporting negatively is Captial One. The Status is closed. Last reported was January 2008. When does this actually fall off the credit report?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out payday loans last year to make ends meet after an unexpected surgery trying to pay them back at this time is troubling because locating the creditors are impossible, they sold the loans and no one knows to who . Those calling me dont give information on which creditors im actually paying. How do i find out who to pay without getting taken for my hard earned money because of fraudelent creditors?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Im in Texas and I have 3 payday loans that I cannot afford to pay. Can you tell what should I do. Heres we I owe. So far I have been extending them because I cant afford to pay on them. Ace Cash Express 300 Cash Net USA 250 Cash Central 300http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi Please take a look at your forum payment snapshot. img src=http://www.debtconsolidationcare.com/forums/attachment.php?attachmentid=1822stc=1d=1351763438 / Have a nice time : ) Jasonhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I was just going through my voicemails and I have one from a Tina Powers from Faulk and Sterns legal dept. On my voicemail she both identifies me and the last 4 of my social. Then says shes calling about bad checks filed in my name in my county. and that if I dont respond i will be served a summons. She closes saying this is Tina Powers and you have been notified. At first I got preety nervous, because I havent used checks in some 7 years! After a few seconds when I got control of myself and was able to think it hit me. This is obviously a scam, and its highly illegal to leave a voicemail like that even if it was a valid debt. So I googled the name faulk and stearns, all that came up was 2 little things both of which claiming these people are a scam, then a reverse phone look up traces the number 620-860-2213 to Hutchington Kansas. My question is what should I do about this? Should I take it to a lawyer and try to file suit to give these bloodsuckers what they deserve, or would there be no way to trace these people? Ive had my dealings with my share of bottomfeeding collectors but most of them at least act like they know what the FDCPA is. These people dont even act like it exists, they just make up a debt and shout it out on a voicemailhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Did you arrange an exciting Halloween party on a smart budget? Explain how you did it.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I closed my bank account days ago and didnt link it to another account but my zip19 loan is showing a 0 balance. What has happened? The loan was due today Nov 1.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Gym debt is well under $5k. When I talked to her at lunch, she said she had called the creditor (gym, we knew it was past due) and they told her they turned it over to collections. Third party collection agency here in town. I told her theyd work with her, to tell them she could give them $x a month. x stretches the budget a bit. Apparently a paper came in the mail today as well, stating that she owes at least a grand more than she actually owes (collection fee? must not have been there for that part of the one-page contract.) In any event, before I went back to work, I told her they would work with her because normally people will try to duck it. She gave them her bank account info. She never agreed to have the call recorded, and Illinois is a 2-party state. Told her that was silly, and that she should call them tomorrow reneging. Illinois, under $5k, they havent taken payment yet, deal was struck today. 2-party wiretapping state and she didnt agree to be recorded.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had bankruptcy discharged 4 years ago. I have qualified for a car loan through a credit union at a low interest rate as well as a home loan. Why do I keep getting denied for a debt consolidation loan for only $15k?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Help! I am trying to write my complain to the New York State attorney general regarding vin capital, and I really have no idea what to say. I dont want to sound stupid or like Im guilty of anything. Does anyone have an example letter they can share? I just want the complain to sound good and I have no idea what to tell them! Please! Help!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a mortgage loan denied because of the wording on your credit report and I need to get this wording removedhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i was making payments on a payday loan that went to collections, i was paying 50 a month and some times twice a month. some payments didnt go threw cuz they would run them before i put the money in the back. anyway a was bullied to pay the whole 700 i owed left they would settle for 500, i was scared and set up payment then i called left message that i didnt have the money i can only pay what i was already paying. anyway yhey called me today saying i had no time i need to pay today or else they would go after my husband. i dont live with my husband anymore we split up 2years ago, can they do that or are they just trying to scare me into paying them i would if i had it thats why i was paying what i couldhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone ever received a refund from 500 fastcash? I have overpaid them between 2 loans that I have and are just wondering how are they to deal with?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i will turn 19 next month . i finally viewed a free credit report and its saying my credit score is 536 ? i should have NO credit. i called suntrust loans in Athens , tn almost a year ago . Only to find out i owed a payment on a past loan from 4 years ago . I was not old enough to even know what credit was . Now it says i owe AFNI $132.00 , how can this situation be fixed?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I live in Nevada and have a payday loan through CashNetUSA (aka Advance Americas online lender). I am in over my head on this pay day loan - it was for $525 - and I would like to do a payment plan before it defaults or debits my bank account for the full amount. I would like to do an ACH revocation and pay them via money order or prepaid debit card, but according to my contract, it states, The ECheck/ACH Authorizations set forth in this Loan Agreement are to remain in full force and effect for this transaction until your indebtedness to us for the Total of Payments, plus any NSF fee incurred, is fully satisfied. You may only revoke the above authorizations by contacting us directly, and only after you have satisfied your indebtedness to us. I thought from reading these forums that REG E states I can revoke ACH authorization at any time. I understand this is a legal PDL in my state, and I do intend and will repay them, but I dont want it debiting my account any further. Help? TIA!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So, I disputed my western sky loan with cash call. And today, through postal mail, I got a letter of a detailed payment history, a copy of my contract, and a payment reminder. I want to write them a physical letter stating that I know the tribal laws, since they do indeed state at the end but only when the “non-Indians [are] on their reservations So funny! Any suggestions on what I should include in my letter? Any one else receive a postal mail from them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i did this ealier but not sure it posted. i received a email from sure advance. they said they are full licensed in delaware. they do not do business in va. but did make a cash advance to me pursuant to my request made in delaware via internet so transaction is legal and compliant under delaware laws. loan agreement presented to you on website in delaware after completing application for refinance . they want me to contact them about a SETTLEMENT on loan.please help how to respond to this. thanks for all your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a personal loan,credit cards,payday loans medical bill how does this workhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi all, I have posted on here a few times and really have appreciated the help that I have been given.... I have actually gotten 3 payday loans considered PIF after me sending them a letter to let them know that the loan is illegal in the state of Florida. I am still working on a few others, but have not heard anything back until today.... so here goes. I have a PDL with United Holdings Group... 1-877-891-9021. I sent them an e-mail on October 3 letting them know that I was revoking ACH privileges and that my loan is an illegal loan in the state of Florida. Well, I heard nothing back from them, sent them another e-mail on October 23, asking again for a response. Today my husband got a phone call at work telling him that he was going to be issued a summons to appear in court for fraudulent check charges due to this loan. He got all the information and then called me and asked me to take care of it. I contacted the phone number, answered Reliant Solutions (I think) and spoke to a gentleman that would not give me his name. I told him that I sent information to United Holdings Group letting them know that the loan was illegal in the state of Florida and that they payments I had made on the account would more than clear the loan up, in fact they owe me a refund of $150.00. He said that the debt is actually valid and we have an opportunity to settle the account for $610.00 if we paid it today. I told him he was crazy. He said the original loan was for $1200.00 back in July. I told him NO the loan was for $300.00 back in July and that I had made 5 payments of $90, which would total $450.00 and the loan should be considered paid in full since it is an illegal loan in the state of Florida. He said that I had a copy of the contract and everything was stated in the contract.. Well, I do not have a copy of the contract and in fact I requested it, but did not get it. I asked him to send me a copy of the contract, but he told me that he did not have a copy of it and that I needed to call United Holdings Group. I called them and asked them for a copy of the contract and they said that they do not have it any longer... They both were extremely rude to me and stated that they dont have to abide by any laws of the state of Florida. They abide by the Federal laws... HMMMMM. I told them that I would not pay anything more on the loan and I certainly would not pay to a third party collector when United Holdings had the opportunity to work with me on the loan. He said fine we will serve you with your summons to appear in court and remember we can add a $1500.00 fee on top of this loan if it goes to court. We are trying to work with you prior to litigation to help you out and so you dont have to pay the fee. Again, I told him to send the paperwork so that I could see it and I would go from there. He told me I dont have the paperwork. I am really thinking this is just a scare tactic, as they like to work this way. But my hubby is concerned because they are calling him at work. Can anyone help ease my mind and my husbands mind on this.... Thanks in advance.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a loan with Cash Call that I took out in 2005. It was for $5,000 and was $332.15 a month. When my car died I thought I would find out how many more payments I had so I can buy a car. They told me I would be paid off in 30 more payments. (Thats $10,054 ) This is my balance after paying $27,900 over the last 7 years. according to them I will pay almost $39,000 to pay off $5,000. Can I stop this payment ( as legally paid) ? Do I need to contact the DAs office or file suit?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I had a truck that I got owed $12,580 on. It was repod. The bank sold it at auction for $9,500. On my credit report it says that it was charged off and they written off $11,617. What does that mean? Can they turn around and ask for more money from me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I realize that yourfastpayday is another illegal loan shark hiding behind tribal immunity. After various disucssions with them on a settlement, (which we could not agree), I sent them my ACH Revoke letter, and this was their response:  [COLOR=#1f497d]span style=font-family:Calibri bAgain, you signed an agreement that clearly detailed the terms of our loan program and we in no way were deceitful with whom you were entering this legal and binding agreement with. We will continue to pursue this matter legally and aggressively. We offered you an option for an alternative payment arrangement and you continue to avoid the debt. We will report this default, should payment not be received accordingly, to Clarity and Teletrack. /b/span[/COLOR][COLOR=#1f497d]span style=font-family:Calibri bThank /b/span[/COLOR] [COLOR=#1f497d][FONT=Calibri][/FONT][/COLOR] [COLOR=#1f497d][FONT=Calibri][/FONT][/COLOR] [COLOR=#1f497d]span style=font-family:Calibri span style=color:black;Where to go from here? God why did I get myself into this mess!!!!:D/span/span[/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I need advice/help/pointed in the right direction. I live in Texas and have 2 Payday loans coming due on Friday. One from Ace Cash Express for $980.72 and one from PayDayMax for $1341.69. Without going into a sob story, I cannot pay either of these. If I extend the loans, PDM wants $591.69 and ACE will let me extend for $230.72 (see below for breakdown). My thing is - I dont want to extend. I want to make payments towards them but I cannot afford what they are wanting. They both have rights to debit from my checking account Friday, is there anything I can do to prevent this? I do want to pay off what I borrowed, Im not looking to get out of it... I just have no way of being able to pay this and still provide rent for my family... Its either rent or loan payment. Please someone help point me in the right direction... Should I revoke ACH privileges and when they call ask to make small payments (I could do $200 each loan each month)?? ACE: Current Principal Amount: $750.00 Current Fees: $230.72 PAYDAYMAX Charge Amount Min. Due Principal: $950.00 $200.00 Finance Charges: $391.69 $391.69 Total: $1341.69 $591.69http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi all - I just received a call from some guy - he never gave his name, but the conversation went like this: I need your address to serve claim against you Me: For?? You arent aware of the charges against you? Me: For?? Youre telling me youre not aware of the charges against you? Me: No. Ok, well, Im 30 minutes from your place of employment right now, and need to serve these papers. The company should have made you aware of the charges - but if youre not aware of them, Ill give you like 30 or 45 minutes to call them and get this cleared up before I serve the papers. Call them at 855-426-6230. Your claim number is xxxxxxxxx. (hangs up) Ok....here are my issues with this: 1. I dont have a place of employment. 2. If hes 30 minutes from my place of employment, he should know the name of it and call it by name - would definitely lend credence to his call. 3. There was a TON of call center background noise. I highly doubt hes got 50 other people in his car with him if hes 30 minutes from my place of employment. 4. His phone number came up as an unregistered cell number when searched. So I call the phone number given to me for this company - called Global - thats the only identification given in the phone call - Global. The guy at Global gives me all sorts of grief about this payday loan I took out with CUTTER GROUP back in April. Saying I was going to be taken to court, wages garnished, that I would be paying up to $3700 in court fees, etc. He kept asking for the address where they could serve papers - that he was giving me a chance to clear this up before it went to court, and that I could pay $710 today to clear it up. (Loan was $250.) I told him I had never received anything in the mail from them, and that I wanted this debt proven in writing with a copy of the contract. He said hed go one better and serve the papers to me in person - that they had retained a locator service to serve the papers to me and just needed to know where to serve them - an address. He mentioned my home address once - I told him to serve them at the address they have on file - but refused to give the address to him again. He said the locator service was 30 minutes from my workplace and would just serve them there. I told him they could certainly try to do so - at which point he accused me of having an attitude and told me he didnt understand why I was trying to circumvent the law. I told him *I* wasnt trying to do that - but he and his company were. He told me he would put me down as noncompliant and said when I had to go to court on this matter, he wished me luck - then he hung up. Ok, questions now: 1) How does the company know the locator service is 30 minutes away from my place of employment, unless the calls were made by the same person or from the same company - meaning the locator service doesnt exist? 2) Isnt it against the FDCPA for this company NOT to do the standard this call is an attempt to collect a debt speech when they call? Neither caller made this standard statement made by all LEGITIMATE collection agencies. 3) They flatly refused to send me anything by mail, but insisted they were going to put it in my hand by serving it to me in person. Again, isnt this against FDCPA? Dont they *have* to send me the proof of the debt if I request it? 4) BOTTOM LINE: I believe this company to be illegal in my home state (Michigan). As far as I know, if a lender wants to lend (and collect) via the internet in Michigan, they have to be licensed here and (might) need to have a physical presence here as well - not sure on that last part. I believe this company is a bottom feeder and trying to collect on old debts that they know to be uncollectable - but are trying to use scare tactics to get the consumer to pay. Background on the loan: When I took it out, they assured me I could pay it off early if necessary, or make payments to extend it, etc - but to pay it off, I had to call them 3 days ahead of time and set it up. I tried. I called all day long, into the late night hours, and early in the morning - I could never get an answer - meaning I could never pay it off, of course. Once I realized what was going on, I stopped them from pulling money from my account. They called me constantly until I got tired of arguing with them and demanding the paperwork on the loan to validate the debt (which they refused to give me), until I finally realized they were never going to do what they LEGALLY should do, and blocked their calls. Can anyone confirm this for me, and allay my fears, or do I need to be concerned that someone *is* going to show up on my doorstep? I really am not all that worried, because there was just way too much wrong with those two phone calls for me to be scared - but theres just that nagging little twinge of worry....Id appreciate some input on this Cutter Group and Global - whoever they are.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ why do i owe youhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i am being sued in baltimore maryland by a company called hydra financial. they are say that i took out a loan for $150. which i never took out a loan from this company. i never talked to anyone from this company. a lady named mrs morrison called me from landmark telling me i could settle this dispute by paying 571 dollars today or she can proccess my summons papers...i took out a payday loan from netpdl and i feel i am obligated to pay them thier money i recieved 200 dollars from netpdl then the next day there was an additional 300 dollars in ky account...i then found out that most pay day loans are a scam and illegal in my state so i closed my bank account...and emailed net pdl because thier telephone number just magical doesnt work anymore..so i emailed them and explained to them that i would pay them the money i owe them not through my checking account but from off a prepaid card..and i requested documentation to be sent to home about the loan..which they yold they can not do for some reason. now i have this other loan conpany hydra finacial saying i owe them money when i only took a loan out through net pdl..i dont understand why i am being sued by hydra financial#128542;#128550;#128528;http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please tell me what are the laws for online [URL=http://www.debtconsolidationcare.com/forums/showthread.php?p=956027#]span style=color:#f35b00;payday loan/span[/URL] lenders in Louisiana. Help me, Im so confused and disgusted with myself for getting into this trap and I dont know which way to turn!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have received a few calls recently about a loan taken out 4 yrs ago. The first call stated that I was going to be serve on the 1st of November and have to sign a certified notice of intent. They left a rude message with my father in law and called again today and stated that unless I pay the amount owed I will be served tomorrow. When asked if he was a process server as it was stated in my voice mail the man stated he was not and was giving me a chance to clear it up before he arrived tomorrow. Now how ligitimate is this caller?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi, I have seen many threads on Cash Call. I borrowed 2600 last may (2011) The loan was from Western Sky and turned over to Cash Call. I have paid over 5000.00 and still owe over 3000.00. I cant close my bank account because it is overdrawn. I have never been behind until now. Tomorrow I will officially be late. What can I do? I live in Massachusetts. Thank You Heatherhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Please tell me what are the laws for online payday loan lenders in Louisiana. Help me, Im so confused and disgusted with myself for getting into this trap and I dont know which way to turn!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I found this interesting and thought others might also. I found it on Ripoff Report... Submitted: Friday, July 13, 2012 Just want to report on experiences I had with Cash Call through Western Sky. I had a family member take out a loan through Western Sky for $5,000 over a year ago, and I only found out about it after they started having trouble making the payments. why they chose to do this is beyond me, but the truth is that there are a lot of people in this country who make very poor financial decisions. this is why we have usury laws to protect people from falling into contracts that charge outrageous amounts. Cash Call uses two methods to circumvent these laws, and one of those ways is through Western Sky. keep in mind that these companies are going out of their way to find loopholes to laws that are set up to protect people from EXACTLY these kinds of companies. moving on, after reading the contract and doing some due diligence (which included speaking to reps from both Western Sky and Cash Call), I was able to piece together the pieces of this puzzle. First of all, the Western Sky loans can charge so much because theyre a product offered through a Native American reservation, and so can circumvent U.S. law. they can advertise this product the same as they can advertise Indian Casinos even though gambling may be illegal in the state that theyre showing the commercial on. this is verified when you read the contract, which states the following: All loans will be subject solely to the exclusive laws and jurisdiction of the Cheyenne River Sioux Tribe, Cheyenne River Indian Reservation. All borrowers must consent to be bound to the jurisdiction of the Cheyenne River Sioux Tribal Court, and further agree that no other state or federal law or regulation shall apply to this Loan Agreement, its enforcement or interpretation. The loan agreement contains an agreement to arbitrate all disputes in which borrowers agree to waive their right to a jury trial, to have a court decide any dispute, and to participate in a class action lawsuit, and to certain discovery and other procedures that are available in a lawsuit. this makes it very clear that what youre entering into is a form of debt that originates within the Indian Reservation, and the contract only legally exists within the Reservation. this is what makes the product legal, which is what any rep will tell you when you question it. technically, yes, the loan is legal but they dont mention that its ONLY legal on the reservation. in the United States, its void. now what happens automatically is that Western Sky sells all their loans within a few days to Cash Call, and CC is the company that tries to collect. this is legal also, but you have to keep in mind that CC is still bound to the original contract, which states that the contract is subject only to the jurisdiction of the Tribal Court. what this means is that they can not sue you in an American civil court to recover on this loan. that would be like an Indian Casino suing you for gambling debt in a state where Gambling is illegal... it would be thrown out of court. in fact, I cant find a SINGLE case on the internet where CC sued someone over a Western Sky loan. it doesnt happen because the contract states they can only sue in Tribal Court. Likewise, they CANT garnish your wages. they might threaten this but they can only get a court order from the Tribal Court and thats worthless in the United States. so they cant sue, they cant garnish wages, and they also cant affect your credit score. they might post something to your report, but once you dispute it the credit agencies will remove it because it is not valid debt. American credit agencies dont bother themselves with illegal debt, and they dont bother themselves with debt that originates from outside the country! Basically all they can do is harass you to try and get you to give them money. however, they are legally required to stop calling once you have requested that they do so, and especially after you have sent them a request for a letter of debt validation and then a cease and desist. there is literally NOTHING that Cash Call can do to harm you when it comes to Western Sky loans. the second way that CC circumvents usury laws is by underwriting loans through a bank in Delaware. a loophole in usury laws allows people to be charged rates that are allowed by law in the originating state, and Delaware has very lax laws in this regard so CC can charge 97% APR no matter the laws in your home state. HOWEVER, CC is only licensed as a lender in California, Delaware, and three other states. if you dont live in one of those states then your loan was also illegal and Cash Call can not actually collect on it by force. note this is only in regard to their high APR unsecured installment loans, and not in regard to their morgage or other products. just hope this information will help people get their lives back in order and keep them from filing bankruptcy due to a disgusting company that is all a bluff. they really cant do anything to you... this information was confirmed with a Cash Call Supervisor and a Western Sky legal representative. I do see that Cash Call is licensed for mortgages here in Arizona - but not for other loans, so that still makes them a collector of an illegal loan..http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone ever heard of a don helms from pr solutions? I have tried to google and I am not coming up with anything. He has done called my work three times back to back after being told not to call we are not allowed to have personal calls. I hate that these people quit calling my cell and just started calling my job. It was so much easier to locate them and send cease and desist letters...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i owe about 18000.00 total, cant afford to pay don;t make enough how do i get out of this messhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in payday loan hell:mad:. I have loans with zip19, greatplains lending, splash advance loans, and cash central. Are these legal in Kansas? I have heard zip19 is not, if this is the case for all of them what is my next step?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I received a call last night from Receivable Resolution Group. They are calling about a payday loan from Feb 2010. I did take one out from Manhattan Processing for $150.00. I paid them, paid National Credit Adjusters, paid another collection agency of theirs before I found you. She told me she is not a collection agency but a ligitator. I owe $3000 on a $150 loan but she can probably get them to settle for $750. She is supposedly collecting for Icon group and gave me phone numbers to call. Do I send a cease desist letter or a Debt proof letter? She said she has sent letters but of course i have not received anything. She even told me my IP address of the computer I used. I live in the state of OK and do not want them calling my family. I already have 1 lady harassing everyone. Please advise on what to do. Their phone number is 716-810-5211. I have until 11/09 before legal procedings begin.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a $400 loan with this company. Are they legal to lend in the state on Kentucky? Does anyone know anything about them as far as being easy to work with. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 IPDLs and I live in KY. Here they are... 250 Plain Green Loans 400 EZPAYDAYCASH 975 zip19 Are these companies legal in KY? I have closed my account and want to email them in regards to setting up payments. What should I say in the email. Thanks so much.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I recently got a decent job, and I also recently noticed that Midland Funding has purchased several of my old debts from various other companies, and holds all together over $15000 (all credit cards) of my old debt. Another key aspect of information is that I live in Illinois and my SOL is 5 year and most of my debt is about 4 years old. Now after I read many things about Midland Funding, I am beginning to think they are trying to collect all of my debts from other companies to sue me. I am very worried because if that happens my employer will fire me as I explained the situation to them but I was told that any further discrepancies on my credit report might result in separation. Now I am getting a stable paycheck, and I will be able to start paying things off in a month, so how until then can I make sure Midland or any other collection agency wont sue or file to sue me. How do I negotiate with them, and lastly how would I know (aside from mail, as I am away from home) would know if they are already suing me?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive been reviewing a number of sites and banks to see if fees can be charged when revoking an ACH authorization. Depending on the bank fees can be charged. Ive seen a few banks that do not speak of fees for ACH revoke, but clearly speak about stop payment fees. Ive also seen a few banks that have revised their stop payment request form to now include an ACH revoke request. On those forms the bank clearly states that fees will be charged. Although I believe we shouldnt have to pay any fees, one should be prepared to do so depending on your bank.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If I have a judgment lien against my property ,can somebody force me to sell and pay the judgment or they should wait until I sell voluntarly?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Like many on this site it seems, Im in PDL hell. Have 8 different PDLs- most just to cover the others in fees, and so on... Took the advice listed on other pages and sent out letters to all of the following, based on assumption they are illegal in FL: UnitedCashLoans Americash Bayside Eastside Lenders SpotOn Loans Your Fast Payday Integrity FreshStart Payday Now in wait/see mode as to how they all will respond, as all, but 1 are severely overpaid. Will they harass my relatives to get to me? Call me at work? Also, I have already recieved an email telling me the info I had for Fresh Start was invalid. Does anyone have any other contacts for FreshStart? Is there a form letter I need to send my bank advising them of this? Thanks in advancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What should you do if you find out that the payday loans are illegal in your state?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Feeling frustrated that my local branch manager hadnt heard of the ACH Revocation letter I set out to do more research. This teleseminar given by the NACHA (the Electronic Payments Association) is a simple QA document that clearly defines what a bank must do when a consumer presents them with an ACH Revocation letter. It also focuses on the difference between a Stop Payment and an Authorization Revoked. Heres the document from January 2010: a href=http://tinyurl.com/97c8x9whttp://tinyurl.com/97c8x9w/a Tomorrow Im going heavily armed with information. The more you know...http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello, I just had an incoming call come in from a collection agency, using an unidentified number (unknown name, unknown number), I answered it because we have a few friends that have unidentified numbers, so it is just a habit to answer it. Well, the lady on the other end was asking for my Fiance, so I asked what the call was about, and she wouldnt tell me anything, not to mention she started getting nasty with me, so I told her that I will not pass this message on to her then hung up on her. What can I do if this company calls again? Can I report this as a harrassing call. Is there any agency in Canada that deals with agencies like these? Thank you.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in the middle of a seperation which should be a divorce in February. It is stated in our agreement that this card nor any other joint accounts were to be used once our seperation. Its now on my credit report. I wish to keep my credit good and now my report shows that I am delinquent on a THD/CBNA. Is there anyway to get the last statement to work out a payment arrangement. I dont want this divorce to ruin my credit.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ If I receive a faxed settlement letter prior to sending any funds, how safe is it to send AA money to settle a debt through the moneygram service? Moneygram code #1836. How do I know that the money will be applied properly and that they arent going to do something shady? this company has more complaints than any company on earth...hands down.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have the following PD loans and need help determining which ones are legal in Texas and if they are, how I can best get out of this cycle. Ive listed my loans below with the balance they say I still owe after the payments Ive made. Ace Cash Express Loans: $2,575.00 Paid: $3,969.00 Balance: $985.00 National Payday Loans: $800.00 Paid: $900.00 Balance: $450.00 MoneyKey Loans: $800.00 Paid: $1,485.25 Balance: $500.00 American Web Loan Loan: $1,400.00 Paid: $4,910.00 Balance: $695.00 Has anyone ever had any luck with actually getting refunds from these places that have been overpaid? What is the process for getting a refund? I found a template letter for revoking ACH debits and am sending certified copies to each loan company and my bank tomorrow. I will close my bank account before the next round of debits hit next week. Thanks in advance for any guidance!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Nationwide Cash a legal lender in Illinois? I have paid in excess of the principal and I have closed my bank account and want to know what to expect from them.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ My wife received an unknown name/number call on her cell today from a rude woman claiming she worked for INTEGRITY ACCOUNT SERVICES who were collecting for Cash New USA. She told my wife that I had taken out an online payday loan over a year ago for $250 and never paid it back. They told her if I did not call them today and pay $2700, they would file a lawsuit tomorrow. I called them and let them know that I had never had a payday loan through Cash New USA. They had an old address (that I didnt even live at in 2011), my wifes email address instead of mine and an old bank account I closed in 2010 that is where the money was supposedly deposited. I looked them up and can not find a company with their name anywhere, neither could the BBB. The phone number they gave my wife to have me call is listed out of NY (Im in TX). When you call it, it sounds like someones private cell and says you have reached the voicemail of Nicole. They refused to provide a validation letter. I called Cash Net USA and they show I was never a customer. Who can I turn this in to?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ what is the total dollar amount of assets you can keep on a chapter 7http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ What is the total dollar amount of assets you can keep on a chapter 7http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ what is the total dolar amount that you can have on a chapter 7 for 2 peoplehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have a $500 loan with Austin Finance: a href=http://www.austinfinancecompany.comwww.austinfinancecompany.com/a They required I write postdated checks for this loan. I did not offer collateral or sign security agreements - the checks were the security. I have several storefront loans Im working to pay down, and I closed my checking account to get caught up. I was late on my first payment, and they immediately threatened me due to the checks on a closed account. I reported them to the OCCC after they threatened to have a sheriffs deputy come to my job. They laid off on the threats, but they still want to be paid. So far I have had trouble working anything out with them, and am sure I made them angry by reporting to the OCCC. I am finally on top of my finances and other loan payments, but my budget is insanely tight. I can maybe afford $50/month to this company, but my payments are $150, I am 72 days past due, and they are saying I owe over $400 just to be current. I am wondering what options I may have with them. Basically Im looking for advice in dealing with them, and Id like to call them today and try to work something out if possible. Im not trying to ignore the debt, but I cannot have them coming to my home or my job to harass me and try to collect. I figure at this point I can probably afford $50/month to them. I know theyre licensed in Texas with the OCCC. Are they a CSO and what options might I have for repayment with that? Anything like an extended payment plan that would stop fees/interest and chip away at the balance? Any help would be appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color:#000000; I am in California and due to medical bill had to take out two internet installment loans with check n go cash net usa. I have been paying them ever two weeks for the last 3 -5 month but due to financial hardship cant keep up with the $748.00 per paycheck payments I am already one payment late on both loans and they are calling me like crazy ever hour on the hour to my cell and my work! they have asked for HR department for my supervisor! how can I get them to stop calling my work? i just need mote time to get the extra cash to pay them back. Please HELP!!!! /spanhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ span style=color:black;Ok. After defaulting on a number of CSO loans, I recieved the following email from VistaB to my personal email account:/span span style=color:black;Your bank has notified us that the last payment was returned unpaid. This is either due to incorrect information on our part or an oversight on your behalf. We wanted to notify you of the situation. Our records show you were in good standing before the last payment. We are aware that issues occur when making payments and we are willing to work with you. We will be re-submitting the returned payment through your account on the next business day, and you will also incur a returned item fee. This will take place automatically if you do not contact us. To prevent any additional bank charges or to discuss payment options for buthis/u/b past due amount, you must call us before 4:00pm (CST) today. /span span style=color:black;Please do not let this payment affect your credit with us and/or any other of our lenders. We will be happy to assist you any way we can. bPlease call your Collection Service Specialist at 888-826-9833 ext 1009/b./span span style=color:black;They then followed that up shortly afterwards to my work email which I have no idea how they got:/span [COLOR=#1f497d]span style=font-family:Andalus span style=font-size:3;span style=color:black;You’re showing the company that your refusing to take care of a loan that you recieved from us, and that we need to process this as a fraud because you took out a loan that you’re not willing to pay back? I just want to get this correct! The person that they would be prosecuted is the persons’ name on the account where we deposited the funds. I do believe that it has your name on it. This was verified before the funds were deposited and they were again when the documents were forwarded to my department, and now again coming to my desk. Your IP address is your electronic signature. I will hold for 24 hours before I turn this over to the finance department to let them make sure I haven’t missed an opportunity to help you get this resolved./span/span/span[/COLOR] [COLOR=#1f497d]span style=font-family:Andalus span style=font-size:3;span style=color:black;I then emailed them back with this response:/span/span/span[/COLOR] [COLOR=#1f497d]span style=font-family:Andalus span style=font-size:3;span style=color:black;It has come to my attention VistaB / Parkway One is not licenced in the state of Texas. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. I will make four biweekly payments of $125 each starting on November 12th./span/span/span [FONT=Andalus][COLOR=#000000]span style=font-family:arial span style=font-size:3;span style=color:black;At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I will contact you on Novemeber 12 to make the first payment, and three additional payments occurring on November 26, December 10, and December 24./span/span/span[/COLOR] [COLOR=#000000]span style=font-family:arial span style=font-size:3;span style=color:black;Furthermore, I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account 000xxxxx. You are collecting on an prohibited/illegal payday loan. The contract is null and void./span/span/span[/COLOR] [/FONT][/COLOR] [COLOR=#1f497d]span style=font-family:Andalus span style=font-size:3;span style=color:black;iThey then responded to my work email with the following:/i/span/span/span[/COLOR] [COLOR=#1f497d][FONT=Andalus][SIZE=3][COLOR=black]span style=font-size:3;I have no reason to contact you except in this attempt to collect a debt, now it is up to you to take the time out to make the call back to me to get this settled out with some payment arrangements, if needed. If I don’t hear back from you today 8am-4pm cst. I will continue the collection activity in the manner that I have been, until we find the resolution./span[/COLOR][/SIZE][/FONT][SIZE=3] [COLOR=#1f497d] [FONT=Andalus][COLOR=#215868]span style=font-size:3;Sincerely,/span[/COLOR][/FONT] [FONT=Andalus][COLOR=#002060]span style=font-size:3;Misty, /span[/COLOR][/FONT] [FONT=Andalus][COLOR=#002060]span style=font-size:3;COLLECTIONS Department/span[/COLOR][/FONT] [FONT=Andalus][COLOR=#333333]ispan style=font-size:3;Parkway One/Vista B/span/i[/COLOR][/FONT] [FONT=Andalus]u[COLOR=#004376]ispan style=font-size:3;misty/span/i[/COLOR]/u[EMAIL=misty@pwollc.com][COLOR=#004376]ispan style=font-size:3;@pwollc.com/span/i[/COLOR][/EMAIL][/FONT] [FONT=Andalus][COLOR=#333333]ispan style=font-size:3;Phone – 888 826 9833 x 1009/span/i[/COLOR][/FONT] span style=font-family:Andalus ispan style=font-size:3;Fax – 877 418 6285/span/i/span [FONT=Andalus][URL=http://www.fastnextdaycash.com][COLOR=#004376]ispan style=font-size:3;www.fastnextdaycash.com/span/i[/COLOR][/URL][/FONT] span style=font-family:Andalus It would seem that they totally blew off both my suggested payment arrangements and my cease and desist orders. Also, the email that was sent to my personal email was also sent to several other customers as a mass email. I cant imagine that is within the Fair Debt Collection Act? Suppose they dont really care being as they are located in Nevis anyways. Do I send a more harshly worded reply? Would filing a complaint with the Texas State Office of Consumer Credit?/span span style=font-family:Andalus Thank you!!/span span style=font-family:Andalus /span[/COLOR][/SIZE][/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ bI have my bank account frozen. They will close my account at the same time I bring it to a 0 balance instead of negative which it is. They will reopen the account under a new number. I am going to pay via money order which is what my Bank said to do going forward. I stopped my direct deposit so I can manage what I have better. Sent Illegal Letters (form letter found on these forums to: /b ul libPlain Green Lending Borrowed $1000 paid $900 offered to pay remaining principal /b libGreen Plains Lending Borrowed $800 Overpaid by $335.68 asked for PIF and Refund/b libAdvance Me Today Borrowed $500 Paid $300 Sent letter stating Illegial I would finish paying principal of $200/b libOnce Click Cash Borrowed $400 Paid $240 offered to pay Principal left of $160/b libAmerican Web Loan Borrowed $500 Paid $650 Overpayment of $150. They closed my online account. Sent me auto generated email then called today stating their Treaty and US Virgin Thing and wanted to settle for $500 as it cannot be broken down into payments. I told them I would only respond/communicate via email. He then emailed me to pay them $500./b /ul bI still have open and have not sent letters yet but need to know who I should send them to:/b ul libPaydaymax Have letter ready. Borrowed $870 paid $1146.84/b libCashNet/Applied Advance America $1000 paid $600 still owe like $900 due to fees /b libSpeedy Cash $400 /b libCash Call borrowed $1000 paid $200/b libNet Credit $800 not sure of balance atm /b libCash Central borrowed $400 /b /ul bI need to send ACH stop payment letters or illegial letters to all of them. Any Idea of which to which? It took alot to own up to my mistakes and trying to make good on everything. I had a garnishment on my check for 10 weeks and wanted to try to survive but couldn;t so fell into the trap. I am trying to get back to Zero. I have money coming in February from Tax refunds so will be able to have everything cleared up then. Also if anyone actually settled with any of these companies or they just stopped trying to collect from you please let me know. I informed our Bookkeeper who days payroll about my situation and told her I was in a mess etc. and that if anyone contacts her they do not have rights to anything right now and I Have letters I am sending out. She will work with me if she gets any inquiries. Thanks/bhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I borrowed 300.00 back in 2009 from a payday loan place, totally forgot all about it and now Im getting calls from a place called ACS. They have been calling and leaving a lot of threating messages on my phone. Say they are going to where I work and my home. This place has not sent me anything in the mail. Says Im going to have a warrant out on me and so on. I need to know what is my rights, I live in Indiana and they are from New York I believe. I have all the phone calls and numbers they just keep leaving me. They will not give me an address for them, just want my bank information and I said are you crazy or what. Thank you for your time.:)http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am in California and due to medical bill had to take out two internet installment loans with check n go cash net usa. I have been paying them ever two weeks for the last 3 -5 month but due to financial hardship cant keep up with the $748.00 per paycheck payments I am already one payment late on both loans and they are calling me like crazy ever hour on the hour to my cell and my work! they have asked for HR department for my supervisor! how can I get them to stop calling my work? i just need mote time to get the extra cash to pay them back. Please HELP!!!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I got a payday loan in 2010. I just got a phone call from a process server saying they was going to my house Thursday for me to sign papers. I asked him for his name and what company he provided his name but he just said he was a process server and if he cant get me at home that hell come by my job. If I needed to schedule a more convience time to meet him that I had to call the responisible party (which is Global Check Processing). I live here in Oklahoma can they do that?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I was trying to help my mom pay her rent but also fell behind on my own and I owe quite a few lender but had to give my old address in Nj to borrow because its illegal in the state of MD. Theyve been calling and harrassing me and Ive already closed my old bank acct opened a new one and stop ach on the old one. I tried to make REASONABLE payment arrangments with these companies but they were asking for 70% more than what I originally borrowed....now I have voicemails stating they are going to garnish my wages and Im barely making it as it is with a child can they do that?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ QXL Online UsFastCash.com Speedy Cash Plain Green Loans Ameriloan I currently have Payday Loans with these companies from the internet. I do not know where to find the info if they are legal in Alabama or not. Thank you for your help.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took out a loan from western sky in May. Now the is with cash call. I had to take this loan as I needed the money my son was in a accident and was in a hospital out of my town and had to stay with him for 2 weeks, anyway I lost my job because I was gone for so long and have not been able to get unemployment or find another job yet. I have made my payments up until October when I just didnt have the money. I did not make my house payment for 2 months trying to pay everything else and now I cant do that. That was so stupid but I was afraid. Anyway, cash call is calling and threatening my with legal action. I asked for some sort of smaller payment and explained what happened but they said no. Western sky is not legal in minnesota. Any help would be appreciated.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ [COLOR=black][FONT=Arial]I sent cashwebusa a letter stating they were illegal in Michigan. I took a loan from them for 500 and have paid 300 so the letter stated that I would pay the remainder of 200 of the principal on my terms. Today they sent me an email with some court cases about commerce [ispan style=font-family:Arial Midwest Title Loans, Inc. v Mills/span/i, 593 F.3d 660 (7th Cr. 2010) and ispan style=font-family:Arial Quik Payday, Inc v. Stork,/span/i 549 F.3d 1302 (10th Cir. 2008)]. I currently live in Michigan and cashwebusa is not licensed here. They asked me to pay the original loan amount of 500 and they would say paid in full. My question is do they have a case?[/FONT][/COLOR]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I am wondering if anyone has ever really gotten a reply from Spot Loan/Zest Cash about closing account. Its been almost 3 weeks now since I closed my bank account, sent Spot Loan an email saying that since they were illegal, I have overpaid them. I am done giving them any more money. I got the normal response that I owed them still, then nothing. I have re-sent email requesting my account be marked paid in full, but now I get no response at all. I am OK with them leaving me alone I guess, but would just like to have closure on this. Should I just drop it, or keep emailing?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ So I revoked ACHs on my PDLs of course they did not stop and they bank said they could not do anything about ach on payday loans but I could put a stop payment on them but that would not work because they were sending thru any amoun they could to try and get money. So now my checking account has been charge off for 800.00 and this is overdraft fees only they never paid anything for me. So now Regions is coming after me for the money and i have explained to them until i am blue in the face that they can eat it because I had tried to get their help before it got ungly and they would not. So the collection lady at Regions tells me they have been instructed to not accept any stop payments or ACH revocations on payday loans I told her by REG E law they had to she told me to call the person at REG and to tell them how they are suppose to handle this. So what the heck should I do with these people.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ US Fastcash keeps harassing me at work. What can I do to stop this? My boss is getting annoyed with the calls.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can they collect in the state of Wisconsin. If so what is the process.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Is Castle payday in Watersmeet MI licensed in the state Ohio?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ive submitted disputes to the CRs, and received a response from Experian. The only thing they said was processed -- which their key says means either deleted or updated. Well, its still on my CR from what I could tell. Is it just a matter of perseverance or is there something more I can do to remove CashCall from reporting to the credit bureaus?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Heres my story: Got my first payday loan back in 2007. Paid it off and thought id never need that help again. Fast forward to 2010, newly married, husband out of work, bills piling up-- anyway, excuses aside, for the last 2 years I have been trapped in a death star of PDLs and most recently, an installment loan. Heres what were looking at, currently: LEGAL/Licensed in my state (AL) 1. CashNetUSA: $500 (been paying off and renewing this one for at least 14 months) 2. Speedy Cash: $400 3. Ace Cash Express: $375 4. Check n go: $2300 installment loan, that I let default as of this morning...I read that was the best way to get them to work on a payment plan with you. I even called them last week to let them know, and they seemed as helpful as you could expect. ILLEGAL/TRIBAL 1. UCL: $450 2. Ameriloan: $450 (even though I get paid monthly, these jerks debit me like once every 10 days) I HAVE been able to get a PID letter from La Posta Tribal (d/b/a Gentle Breeze, d/b/a Solomon Finance) just last week, and Im counting that as my first victory. It was easy and they didnt put up a fight. Another issue now is that Ideal Gelt turned my account over to Alliance Asset Management. I sent Alliance a CD, since the loan is illegal and Id paid $2430 on a $500 original loan. They (Alliance) are claiming that Ideal Gelt will take legal action against me, which I dont buy. My question is this: Should I revoke ACH on the 2 illegal loans? Should I call all the legal ones and request EPP? CashNetUSA has already told me that they dont do a payment plan unless I default......advice appreciated as I try to finish digging out.http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Has anyone used this company for help getting pdloans settled? Are they a legitimate company and does anyone recommend using them?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I have 3 car registration loans and I just cant afford to pay them. Ive already paid well over the principle amt that was loaned to me, but had to keep renewing. Still paying original lein holder GMfinancial. lt;-- holds Title. Filing for bankruptcy because of other outstanding debt, medical bills, etc. My lawyer says they (LOANS) cannot repo car because they do not hold the Title? Already closed bank acct. per advise of my lawyer. Im not in default yet so I havent got the threating calls . But when they cant get pymt, Im just afraid I will walk out to my car and it wont be there one day. I only have one car and NEED for work. Please advise! Thanks - Mhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ We have been dealing with Chase for many years then they hurried up increased the interest rate before the deadline went into affect when the President changed that they couldnt after the certain date. Well long story short our interest increased to 29.99% from like 18%!! How can we get them to lower it so we can get it paid off? The balance is around $2300.00, PLEASE HELP!!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ I took a out a student loan with a non for profit organization in 2005 when i was 17 years old (not legal) and signed a promissary note. Im 25 and its been 7 years now and they r sueing me for the balance, late fees, interest,court cost and attorney fees. I honestly didnt recall taking a loan from them as i was young right out of highschool and didnt know much. I stayed in the state that i graduated from college for about 3 years after graduation and did not receive any notification regarding payment for this loan. Im currently still in search of a job and cannot afford to pay them. My question is, is it even legal seeing as though i was underage when i signed for the loan???img src=http://2static.creditmagic.org/img/spacer.gif /http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi I am Avis and I paid my debt and I need to get it off of my record asap so I can put my bid in for a home. How can I contact Palisades Collection to clear my name asap, I have the letter stating that I have paid in full. Thanks you very much if you can help me in this matter.span style=color:Red; Personal Info removed as per ToS - Jason/span[EMAIL=rasgarvis@yahoo.com][/EMAIL]http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ to whom it ma concern i would like to know why i am being billed for a bill i know nothing of the bill do not have my ssn on it but iam being told that i am responsible for this billhttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hello please help... I recently was looking into getting a personal loan but my bank couldnt issue one due to my husband not working and me not having good credit. So I looked online and filled out some information. After filling it out I realized the loans were only up to i$1000 /iwhich I dont need, my husband and I were looking into loans much higher. So I didnt request the loan. The next morning I received numerous calls from agencies asking me to finish my loan application. They even called me on my work number! On October 24th there was a deposit of $300 put into my bank account. It is from a company called St. Armands. I called the 1-877 number but cannot get in contact with anyone. I do not want this money and am scared at the information I am seeing online about this company. What can I do? What other information can they access?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ to whom it may concern i recieve a bill from the college loan card service i was told that i owed this debt never heard of this credit card and never been to college myname and address is on the bill but my ssn# do not match i was still told i am responsible for a bill i know nothing about culd you please advise me of what to dohttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i had a loan with sure advance. i repaid 1st loan principal and interest off refinanced received 308.00. they have my loan balance at 700.00. am i only responsible for the 308.00 or do i have to pay the 700.00 balancehttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ hi already have adet management plan i pay for but had to get a number of payday loans this year to live as my student loanhast ome through and still have no date o when i will recive it?ifeel ashamd as im already in debt and now hae 2500 more whats best to do?http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ i got a letter in the mail today wanting payment for a credit card more than 12 years old what should i do i live in oklahomahttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Ididnt get answer, its like this is being deleted. I already asked this 3 times. Please help me Hi there, For 2 years i have been taking out a loan with this group, I paid back alot of fees. The loan was for 300 dollars. I repaid it, took out a new loan, and closed my bank account. Do i have to repay them. I live in Wi, They keep calling and saying they are going to serve me papers. I feel i already paid them back with previous loans. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Hi there, For 2 years i have been taking out a loan with this group, I paid back alot of fees. The loan was for 300 dollars. I repaid it, took out a new loan, and closed my bank account. Do i have to repay them. I live in Wi, They keep calling and saying they are going to serve me papers. I feel i already paid them back with previous loans. Thankshttp://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Can a debt management plan include pay day loans too? I would like to include everything. I have 6, yes 6, pay day loans. No one is to blame but me. I was so sure I could handle it!! NOT!http://www.debtconsolidationcare.com/http://www.debtconsolidationcare.com/ Yes, I was dumb enough to think I could manage pay day loans! Now I am in WAY over my head and cant pay them back. I have other debt too. I want to do a debt management plan and am doing the research. However, money is due now and I have to do something. H