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 Posted: Mon Sep 17, 2007 10:28 am Subject: To get rid off all the debt I have |
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Good afternoon everyone!! I am new to this forum and I'm wanting to get rid off all the debt I have. I have 2 credit cards I'd like to get paid off, some medical bills, a student loan and numerous payday loans.
I've been dealing the whole Payday "craze" for over a year now and enough is enough. I know that I'm wasting a lot of money by having them.
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3508
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AnthonyLemons
Debt Samaritan
Joined: 17 Feb 2007
Posts: 1825
Debtcc Points: 18434
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| Posted: Mon Sep 17, 2007 1:43 pm Subject: |
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how do you find out if they are legal??
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3508
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| Posted: Mon Sep 17, 2007 2:26 pm Subject: |
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Check your state laws to see what is required to be legal in your state. Many states require a PDL to be licensed with the state to operate in the state. In my state of Kentucky a PDL can not get a license unless they have a physical store in the state. Basically this makes all IPDLs illegal in KY. Your best bit is to list each PDL, the amount you borrowed from each, the amount you paid to each and your state in a post. Many members of the board will help you find your state laws, help you determine if the loans were legal, the legal amount you owe each company and if you over paid any of them. They will also help you write letters revoking ACH and wage assignments and help you deal with your bank account.
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DOLLARSandSINCE
Debt Samaritan
Joined: 11 May 2007
Posts: 894
Debtcc Points: 11142
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| Posted: Wed Sep 19, 2007 7:11 pm Subject: |
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Hello lucylu_61530 and welcome to the forums!
To begin with, you should go ahead and list all your payday loans and all your aother info here. That doesnt include your credit card numbers, social security or anything like that, just you balances and creditors. That you can also call up the number that you can see on the right handside of your screen and get their free consultation 
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stefan
Joined: 16 Sep 2007
Posts: 201
Debtcc Points: 2569
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