payroll loan default and collection calls

Yeah, storefronts are licensed. If you have been paying on the internet pdls for months now, yes you have paid them back and them some. Is that who you sent the $100 too? I would definately file a complaint with the AG and send them a template letter. They will tell you that it doesn't count as repayment, but you have been charged illegal fees and interest rates so yes I'm willing to be you have paid it back and then some. I filed my complaints and have had pdls mark me paid in full when I stood up to them and they found out about the complaints. They are going to tell you they don't have to follow OH laws, but you can contact their state AG's office and they will tell that the pdl is WRONG.

I am a single Mom of three, I work full time, and through some bad decisions on my part, I am way over my head in payday loans. Three time's I've had to take out new loans because I couldn't pay my rent and my other loan payments.

Today, I have reached that point of no return. I know I am going to default on all my loans, and try to work out payment arrangements with all of them without going through the garnishment route - I work for a religious organization, and being financially irresponsilbe is reason for termination.

I need help finding sample letters to send out. Can anyone direct me to some good ones? I need a payment arrangment one, and I'm sure I'll also need a cease to harrassing phone calls one, etc.

Thanks for any help; it's been months since I've experienced a good nights sleep.

Robin~

Storefronts will usually take people to court to get a judgement for payment. Try calling them and explaining your situation, maybe they will make a reasonable payback plan with you. Have you thought about consolidating them? There is a company called T&C in Alabama (you don't have to live in AL to use the company) that does consolidaiton with pdls. The settlement letters are usually used for unlicensed internet pdls, storefront are typcally licensed and operating under the law. If you register as a member then I can pm you T&C's contact info.

i have a question... someone named allied legal services has been calling me .. is this allied interstate? the number is 980939 0921 and when i asked for the address they refuse and hang up......want to send a letter to them..