Don't be embarassed, I know what your going through. I had over 11 when I started and as of December I was PDL free...I will check on the companies for you and post some other helpful info:

__________________
<a href="http://www.debtconsolidationcare.com/dawnlango7/index.html">
http://www.debtconsolidationcare.com.../hof-badge.jpg</a>

I checked the IL license database and non of your companies came up, I am also giving you a letter you can send to the companies. You need to tailor it for IL and you will need to figure out what you have paid them over the loan amount, this is the amount the company technically owe's you. you can ask for a refund when you send the letter, but you may not get one:

__________________
<a href="http://www.debtconsolidationcare.com/dawnlango7/index.html">
http://www.debtconsolidationcare.com.../hof-badge.jpg</a>

hello? Help please i'm so stressed!

thank you so much but i'm confused. please help. thank you!


you mean i don't have to pay anymore? I'm lost.

how long should i give them to respond as well as where do i go from here...does this mean i don't have to pay them anymore? What happens now? I send them out by mail or e-mail or fax? please let me know. Thank you

can i send you the letter when i'm done to have you check it please ?

please respond!!! are they legal or Prohibited i'm lost with this letter.

hello melissaann,first that letter is what dawn sent for her pdl's.you can find the exact template right hand side.the section titled ALSO SEE.there is a template for you.i can say being in illinois as well you owe nothing more on these pdl's.they are not licensed,therefore are illegal in our state.

paulmergel, you don't pluralize with an apostrophe, why are you so dumb? Did you not graduate elementary school?

So your from IL also? I'm not seeing where that form is? Please help also will they call my references as well as work? also do i mail them this letter or fax?

there are no letters under ALSO SEE for payday loans..unless i'm totally missing it. please help

anyone please help!

is anyone out there that can help me I'm so confused. Please please please help.

Melissa you can customize the letter I sent you, you need to insert the IL laws in place of CT and update the other info. I will see if I can find a blank template for you.

Please don't stress out anymore about this...take care of your account first, then send the letters to the pdl's and report them to the BBB, FTC and the attorney general. Within a few day's you will start to hear from the companies. They will try to tell you that their law's trump your's, but that isn't the case. Your state law prevails

__________________
<a href="http://www.debtconsolidationcare.com/dawnlango7/index.html">
http://www.debtconsolidationcare.com.../hof-badge.jpg</a>

Here is a link to another letter you can use:

__________________
<a href="http://www.debtconsolidationcare.com/dawnlango7/index.html">
http://www.debtconsolidationcare.com.../hof-badge.jpg</a>

Alright thanks guys I did the letter could someone please just check it?
To Whom It May Concern:


After doing research on internet payday loan laws in the state of Illinois, I have found that your internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the state of Illinois’ in general:

Legal Status: Legal

Citation: 815 Ill. Comp. Stat. Ann. § 122/1-1

Loan Terms:
Maximum Loan Amount: lesser of $1000 or 25% gross monthly income
Loan Term: 13-45 days
Maximum Finance Rate and Fees: $15.50 per $100
Finance Charge for 14-day $100 loan: $15.50
apr for 14-day $100 loan: 403%

I have contacted the Illinois’ Office of Financial Institutions and the Illinois’ State Attorney General's Office regarding your internet payday loans and was informed they are indeed illegal in Illinois’ and was advised to pay what is due according to principle amount only of the loan.

To date, I have paid $750.00 DOLLARS on my $500.00 DOLLAR loan. The legal amount that could have been charged to my loan is the principal amount of $500.00 DOLLARS even if your internet pay day loan was legal in Illinois’. I have paid $750.00 DOLLARS on this loan by your debits of my bank account. Please mark this account as PAID IN FULL.


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 state Attorney General's 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. Once I inform you of this, you must stop the telephone contact immediately or you will be once again breaking the laws of the state of Illinois’.

You are also hereby notified that I am revoking any voluntary wage assignment I may or may not have signed. 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 am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account will be rejected by my financial institution.

I must also inform you that I have filed complaints with the Better Business Bureau, the Federal Trade Commission, and my state Attorney General's Office.

I expect a response from your company no later than 2/31/2009, regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Thank you,

or should my legal status be ILLEGAL? Also will they call my work and try to garnish wages? also how long should i give them to respond as well as how should i send this? mail, e-mail?