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 Posted: Sat Dec 09, 2006 4:29 pm Subject: Langhonre Debt Solutions |
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I found this firm online that promises to help resolve payday loan debt, often for 50% of the original principal.
Has anyone here ever dealt with them? Should I, or should I try to resolve all this on my own?
I have the same sob story as most here, so I know I'm in good company.
Thanks in advance for any and all help.
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mellis1967
Joined: 09 Dec 2006
Posts: 12
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| Posted: Sat Dec 09, 2006 4:30 pm Subject: |
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Mellis--There are a few people here that are working with Langhorne, in fact the man that owns the co. is a member here!
Welcome to the forums. Which company are you working with?
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Jessi
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| Posted: Sat Dec 09, 2006 5:03 pm Subject: |
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Mellis:
I am a Langhorne Client. They Have done an execellent job for me so far. 6 paid in full and 3 refunds so far. And they have got the jackals to stop calling me. Feel free to PM me for more specifics if you need.
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I believe in a Constitutional Amendment banning Astroturf, the Designated Hitter and PAYDAY LOANS!
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cbigfan7
Joined: 25 Oct 2006
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| Posted: Sat Dec 09, 2006 7:15 pm Subject: |
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Hi guys, thanks for the kind words.
As far as what company I'm dealing with, well, there's a few of them. More than four, I'm sorry to say. (Langhorne won't take you if you have less than that.)
I just wondered if this was something I should do myself, or do I need Langhorne's help. It seems as though the majority of you guys took care of this on your own (I've been lurking), so why shouldn't I? Is there a recommended amount, or number of companies where you all would say, "Whoa, best call Langhorne, you're in over your head."? (I'm in PA, and all my PDL's are with internet lenders.)
I feel so dumb for getting in this mess to begin with, but now it's time to buckle down and get it taken care of.
I got into the whole trap during a bad time, and now I've taken out loans to pay back old ones. I promised myself I could handle it, but guess what?
I guess that's why they call them predatory lenders, huh?
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mellis1967
Joined: 09 Dec 2006
Posts: 12
Debtcc Points: 719
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| Posted: Sat Dec 09, 2006 7:18 pm Subject: |
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mellis1967--
What companies do you have internet pdls with?
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brownsugar
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Joined: 08 Oct 2006
Posts: 1408
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| Posted: Sat Dec 09, 2006 7:23 pm Subject: |
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mellis1967.......
Take heart,we have all been in your situation!
My bet is that you can take care of these yourself. Others in this forum have.
Some of these "Debt" companies have shady reputations as you can read for yourself in previous posts.
Good Luck!
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Roadwarrior
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| Posted: Sat Dec 09, 2006 9:32 pm Subject: langehorne |
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mellius1967, go to www.paydayloaninfo.org and look up PA laws. POayday lending is Prohibited in your state. The max you can pay in principal is 24 percent per year. You can fight this these internet loans are not LEGAL in your state. KYSIDE38
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KYSIDE38
Joined: 19 Jun 2006
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| Posted: Sat Dec 09, 2006 10:05 pm Subject: |
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I have loans with:
paychecktoday
cashnetusa
loanpointusa
OSL Marketing/FSM Group
500FastCash
There may be one or two others, I'm not at work, so I don't have access to some of my stuff.
Jeez, isn't that pathetic? I don't even know how many I have...
I had one with nationalpayday, but I think that one is completely paid off.
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Guest
Debtcc Points: 100
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| Posted: Sat Dec 09, 2006 10:07 pm Subject: langehorne |
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Guest what state are you in? KYSIDE38
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KYSIDE38
Joined: 19 Jun 2006
Posts: 2502
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| Posted: Sat Dec 09, 2006 10:07 pm Subject: |
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Guest--
Cashnetusa is licensed in most states and loanpointusa is a dba for Geneva Roth. What state are you in?
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brownsugar
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| Posted: Sat Dec 09, 2006 10:09 pm Subject: |
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Is 500fastcash in any way affiliated with cashnet500 b/c I know cashnet500 has a sister company called fast cash?
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brownsugar
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| Posted: Sat Dec 09, 2006 10:10 pm Subject: |
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Crap... the system must've logged me out while I was trying to find out how many loans I had. I'm the one that posted this:
I have loans with:
paychecktoday
cashnetusa
loanpointusa
OSL Marketing/FSM Group
500FastCash
There may be one or two others, I'm not at work, so I don't have access to some of my stuff.
Jeez, isn't that pathetic? I don't even know how many I have...
I had one with nationalpayday, but I think that one is completely paid off.
(And as I mentioned before, I'm in PA.)
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mellis1967
Joined: 09 Dec 2006
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| Posted: Sat Dec 09, 2006 10:11 pm Subject: loan |
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500 fast cash is affilated with Rio. Mte. Just another one of their alias. KYSIDE38
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KYSIDE38
Joined: 19 Jun 2006
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| Posted: Sat Dec 09, 2006 10:21 pm Subject: |
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I thought that none of them were "licensed" in PA, since payday lending is illegal?
So that means that they're allowed to lend to people in PA, but not operate a brick-and-mortar in the state, right? Does it mean anymore than that? Does it mean that I still have to pay the ridiculous interest?
And one more question, if payday lending is illegal in PA, how come there are Check 'n Go's all over the place, and "Cash Advance" signs in all of the local check-cashing places?
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mellis1967
Joined: 09 Dec 2006
Posts: 12
Debtcc Points: 719
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| Posted: Sat Dec 09, 2006 10:35 pm Subject: |
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mellis1967--
Here is some info regarding payday loan info in your state.
| Quote: | Pennsylvania State Information
Legal Status: Prohibited
Citation:
Check cashers are specifically prohibited from making payday loans under Check Cashing Licensing Act of 1998, § 505(a). Otherwise, consumer discount company act applies. 7 Pa. Cons. Stat. Ann. § 6201 et seq.
Small Loan Rate Cap
$9.50 per $100 per year discount or 24% per year
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I just looked at cashnetusa's website and they do carry a license in your state.
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brownsugar
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| Posted: Sat Dec 09, 2006 10:37 pm Subject: |
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mellis1967, I would send them each a certified letter stating that these types are loans are prohibited in the State of PA, cite your sources for this information and demand that these account be marked PIF.
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PDLFREE
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