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Does anyone know how checkngo online pursues default accounts, will they work with you on a monthly payment plan?

Posted: Sat Jan 27, 2007 7:52 am Subject:

fedupinpa -

CheckNGo Online may be an affiliate of the storefront CheckNGo - do you know if that's the case? If so, this is one of the companies that is most likely legal and licensed. You need to take care when dealing with them and not try to force their hand. They will most likely attempt to pursue legal action against you, including judgement and garnishment of your wages.

You will probably need to work out a payment arrangment with them - I would advise calling them and trying to work it out. Please let us know what you come up with.

Posted: Sat Jan 27, 2007 6:00 pm Subject: check and go

Suebee, They may be affiliated but different rules do apply. They have already signed a cease and desist letter in WV not to do business here. I would think if its the internet one that they have to follow the interest rate of the state you are in. KYSIDE38

Posted: Sat Jan 27, 2007 6:05 pm Subject:

That was my thought, too, kyside - I probaby didn't word it as well as I should have. Embarassed

Posted: Sat Jan 27, 2007 10:56 pm Subject:

Check and Go online is the same company as the stores. I think they have licenses in every state that offers licenses. I believe they used to have a bank to make the loans in the other states before the federal government made the banks shut that down too. Basically there like a storefront except they don't have your check.

Posted: Sat Jan 27, 2007 11:17 pm Subject: online store

I am willing to pay, was just wondering how cooperative they are on payment plans.

Posted: Sun Jan 28, 2007 8:48 am Subject: ChecknGo

It depends on your state With me I have to make three payments the original loan 380.00 62.00 intrest made it 442.00 they divided this was 147.34 the first payment 147.33 for the next two. Check your state laws on this. Both the online did it for me and the store front made this arrangment with my Husband Good Luck but getting out of these loans is such a load off my mind

Posted: Sun Jan 28, 2007 4:20 pm Subject: Should I contact them first

Do you think I should contact them before they contact me? I owe them quite a bit more than that and it was the online store not the storefront. I was just wondering what their attitude was about working with me on payments. I could do it in about three paychecks and still eat. Has anyone dealt with them online with collection efforts? Hopefully they are cooperative.

Posted: Sun Jan 28, 2007 5:06 pm Subject:

I'm assuming by you name you are in Pennsylvania?

Pa is a non-garnishment state, so they can't garnish you wages. Also, I don't think it's a big enough debt to levvy your accounts. They can use a wage assignment, but if it comes to that you can revoke it.

I'm willing to be they'll make an arrangement with you. Just tell them what's up, if they're convinced that you're sincere I think they'll work with you..You are not the first person they've seen default! Laughing

I think things will work out fine.

Posted: Sun Jan 28, 2007 8:46 pm Subject: I will approach them first then

I will approach them first thing tommorro morning, that way maybe they won't hound the crap out of me. I have to get my bank to put my account on credits only for a while. I guess if they want their money they will appreciate my honesty with them.

Posted: Mon Jan 29, 2007 4:26 am Subject: multiple

I know once I am out of this mess, never again, I have never been so disgusted with myself, I have let my family down and myself down. Fortuneatly I can be out of this mess in a month or two. Thanks to you guys I can see the light at the end of the tunnel through this website, thanks for all the support and information. It helps to know that I am not the only one in this mess, it gives me hope and courage to face these jerks.

Posted: Mon Jan 29, 2007 9:31 am Subject:

You are on the right path. And you are right, this will be over before you know it. We have all learned our very EXPENSIVE lessons in getting into the pdl trap.

Posted: Mon Jan 29, 2007 9:44 am Subject:

fedupinpa - stand strong. You WILL come through this in fine shape, but it takes time. It will be a little time consuming, but if you are patient and stay strong in your resolve to pay off your PDL's and get back on track financially, you'll be so much happier and better off! You can do it - and we're here to answer questions whenever you have them!

Posted: Mon Jan 29, 2007 3:02 pm Subject:

I took out a $200 loan from them earlier this month (yes, yes, I know, feel free to pile on) and I wasn't able to pay back the $240. They were able to put me on a payment plan of two $120 payments. The people at the store location near me were very nice, not pushy and very willing to help out. I think Check N Go is one of the better pdl places out there. Heck, they even recommended I never take out one of these types of loans again!

Posted: Mon Jan 29, 2007 11:10 pm Subject:

Check n go is a good loan place they work with thry are pretty leinant, but I learned that if you have a good relationship with then and buil up a peapor (sp) that they are mor than willing to make arragement even if its only 20.00 when you can.