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Posted: Mon May 21, 2007 8:57 am Subject: After they get the Revocation Letter

I have sent Revocation letters to my pay day lenders so far 3 have gotten back to me none of which r willing to work with me they all said ok there turning them over for collection I was wondering what do I do next? THEY ALSO TOLD ME COLLECTIONS WILL BE NASTY

Posted: Mon May 21, 2007 9:05 am Subject:

Yes, they will get nasty. Do a search for the company names you are dealing with on this site and you will get an idea of what to expect.

Just keep at them. If you have the laws on your side you will eventually prevail . . . .

Posted: Mon May 21, 2007 1:14 pm Subject:

DO NOT LET THEM INTIMIDATE YOU! They are full of crap with their idle threats!

Posted: Mon May 21, 2007 9:08 pm Subject: Thanks

Thanks Iam not gonna let them threaten me I told them when they call could we work out something and they said no this is going to collections and it is gonna get nasty I said ok do what u have to do it's not like I don't wanna pay u..........tina

Posted: Tue May 22, 2007 7:52 am Subject:

It's not going to be fun, that's for sure. But know this before it starts: they can not send someone to arrest you at home or at work. So if they say this (and they probably will), bear in mind that this is false. Now alot is going to depend on whether your PDL's are internet or storefront. If they are storefront, chances are that they are licensed in your state (but always check this out) and are following state law. In this case, they should always be paid before a IPDL, since they could take you to civil court.
If they are an IPDL, still check out whether they are licensed (and chances are they are not) and always pay them after a storefront.

lostlady468 · Posted: Tue May 22, 2007 1:41 pm Subject: Internet PDL

There r all internet pdl's Iam from PA I don't really understand the laws by reading them thanks for any help u can give me

Posted: Tue May 22, 2007 1:42 pm Subject:

What IPDL's do you have? I would also do a google search here for them and you can find out how sticky it's going to be.

Posted: Tue May 22, 2007 4:22 pm Subject: IPDL I have

1.northway debit
2.mount oread ventures
3.mte finanical
4.gec not sure who they r
5.3 midland market
6.TJF
7.BL Marketing
8.Geneva Roth
been trying to search for there illegalness in PA

Posted: Tue May 22, 2007 4:49 pm Subject:

OK, I do know about two of them on your list. Northway Debit is related to Sonic, which relies on the voluntary wage garnishment form, which you sign allowing them to take money from your paycheck should you default. I can only assume that you signed one for Northway. If you did, you need to cancel it immediately in writing with your payroll dept. Fax it to them, wait for the confirmation and then call them to confirm that they got it and document the name of the person who told you that they did, with his/her extension.
I am personally dealing with Geneva-Roth Ventures. I can tell you that they are probably not licensed in PA and are going to tell you anything to get you to pay. Determine what you really owe and propose a payment arrangement that you can live with. If you don't owe anything demand that your account be marked Paid in Full, or file with Penn's State AG. Good luck.

lostlady468 · Posted: Tue May 22, 2007 7:56 pm Subject: thanks

Thanks so much I did the wage assignment withdrawal at my place of employment I work for the State of Pa I think wage garnishment r illegal here in pa except for child support,taxes,student loans I think

Posted: Tue May 22, 2007 8:07 pm Subject:

Good, I'm glad you were able to do that, because trust me, they would try and go after you!

Posted: Wed May 23, 2007 3:50 pm Subject:

3.
MTE Financial
866-539-7504 Automated line
866-465-5054 To get to the real people

6.
TJF Corp .
PH: 1-866-224-8776

A few phone numbers, maybe they will give you mailing address's if you call, still searching for you.

Posted: Thu May 24, 2007 6:59 am Subject: Thanks

After 5/25/07 they will start calling thats when there next payments r due. Then the ones that didn't want to talk to me will be calling and Iam just gonna ask them all for a payment plan except the one I have overpaid by 700.00 or more dollars and Iam not sure how to tell them I overpaid them and want a refund asap. Can anyone lead me in the right direction on this Iam also gonna ask for a addy from them all since I have no clue who half of them r thanks again Tina

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