I agree with you there. I see them advertising here on the tv more and more.

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I'll say it one more time to anyone considering this as an option, It is NOT an option, don't do it. I fell behind, and they were about to the point of taking me to court, however, I just happened on a nice collector (I never thought I'd say that who gave me the 2 extra weeks I needed to catch up. I am still a little behind, but they aren't so ruthless. They will call you every hour unless you answer the phone and speak to them and then they may still even call multiple times in one day. DON'T DO IT!!!

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Cash Call is taking me to court in a few weeks for a 2600.00 loan. I don't know what to expect or what I should be ready to explain. Anyone gone through this yet.

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David, how far behind are you to get to that point, I was 60+ at one point and actually worked with them to bring it to the point that I am only a couple weeks past due with them right now. Based on what I know if they are taking you to court for $2600 you have completely already paid that much in interest if not more than that amount in interest. Have that information ready for the judge..be sure to tell the judge just how much your loan amount was for and EXACTLY how much you have already pain in interest fees. Be prepared explain to them the situation that got you to the point that you would agree to such a high interest loan, and what has caused you to default on such a loan. Good luck, Keep me informed.

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THe amount of interest this company charges should be illegal! They are just putting people who are in a bind in a bigger bind..By them time you pay off one of their 5000 loans, you could have gotten a college degree for the amount of money it has costs you!

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Leah, The interest rate is practically 100% interest, that is why I advised david6 to find out exactly how much he has paid in interest, believing that hopefully a judge will take into consideration the amount of the loan, and the amount of interest has been paid is equal to the loan, and perhaps just make a more reasonable decision, even if it means lowering the interest rate to something more humane. I know we signed the contract agreeing to pay that, however, at the time of signing most people are in such need that they figure the quick $ will help them and they will be able to consolidate and pay back without a problem, but life always has a way of blindsiding you when you don't expect it and getting behind is very easy. Cash Call collectors, do not give up either..they will call every hour at least once if not more than that in an hour. I've actually told them that I would be paying in a week and had the collector there tell me that was not good enough. I cursed him and hung up, ignored the calls and made the payment in a week when I said I was...I don't recommned doing this-so don't take this advice readers-I was just pissed at the continuous phone calls and he got me on a very bad day.

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This just sounds like a high end Payday loan to be honest....I cannot believe they can get away with that

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Did you how Langhorne explained it earlier in this thread? I talked to him about my CashCall loan, he was willing to try to deal with it, but couldn't guarantee he could get them to settle for anything less like the pdl's he deals with. I think he was happier when I decided to deal with it myself as they are not a traditional pdl which is where his experience is at.

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unfortunately I have a loan with CashCall, Due to illness in my family and medical treatments, I fell behind in payments. I have been making an additional 50.00 a month on top of a 220.00 pamyent to try and get caught up. My payments are 216.00. I have been making a valent effort and answering the phone calls and returning the phone calls. I have been making the payments every month on the 15th, which I did this month on the 16th. I just received a call today from someone who said that the file had been sent to him for review. He said if I made another 102.00 payment that he might be able to get me into another program to help me. I told him that unfortunately I was not able to do that. He told me that he was sorry but he was going to mark it as a refussal to pay and have my file elevated to the next level for ligiation. I am due for 1/2 of April and May. Even though I am making an attempt to correct this and not dodging them, can they take it to the next level? I told the gentelmen that I am not refussing to pay I just don't have the money to do so now.

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What other program did he offer you? Did he offer to drop the outrageous intrest rate?

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Working my way out of this debt, one day at a time!

I saw those sickening commercials on TV here tonight. Gary Coleman advertising for them. They will not lend money in WV or so I am told. I wouldnt care to bet they have somewhere. KYSIDE38

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RYDERS OF THE NIGHT

Clara, have you talked to anyone about making the arrangements, I actually had some success with getting my payments & interest rate lowered(a little) due to hardship. From what I can tell, they will litigate the late payors in small claims so you should talk to them and see if there is anything else they can do for you can do other than another payment this month. I believe they begin the litigation process when your account is past due by 60 days, I can't be sure though, this is just my experience from hearing what their collectors say. Some of their collectors are extremely rude, pushing the line of the Fair Debt Collection rules, but not going over. They are very agressive. Good Luck, Pauli's Girl

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The gentlemen did not offer anything other than I needed to make this additional payment and then maybe they could get me into another program. I told him that I am not dodgeing I am trying my best to correct this, he said oh I see that you are definately returning calls and answering the phone when we call, you have taken it upon your self to add the additional 50.00 a month to help this. Ok so if he can see this why the extreme hardball? The last couple of collectors before him had said that the 50.00 a month would get me caught up sooner than later.

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He sounds like a reall a$$ for being that way. I mean if it shows that you are making an effort, I don't know why he would be that way. I would call them and try to talk to someone other than him and if you do not get satisfactory answers, ask for a supervisor and so on and so on until you can get answers.

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I took a loan out from these bad bad people, couldn't keep up the payments and I think my interest was like 423% I figured I could just pay it off when I got my tax return, but ya it didn't happen that way and now its charged off on my credit report and I got a letter from some collection agency wanting payment now...

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So, if you default on your loan and you live in PA where PDLs are illegal, can they still collect?

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