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Posted: Fri Oct 19, 2007 2:41 pm Subject: Advance America paid in full

After months of paying on this pdl it is officially PAID IN FULL:) Only one (1) more to go and it should be paid in full November 2 Yeah!!!!!!!! Smile

Thanks for everyone's help here I couldn't have done it with out all of your knowledge and support:) Again thank you from the bottom of my heart.

ladybug

Posted: Fri Oct 19, 2007 3:38 pm Subject:

Congratulations! Good job, Ladybug! I am doing a little happy dance for you! Smile

Posted: Fri Oct 19, 2007 3:48 pm Subject:

Ladybug, Congrats to you, that is great...so glad and happy for you Exclamation

Posted: Fri Oct 19, 2007 5:05 pm Subject:

Congratulations on your success! Thanks for sharing your happy news.

Posted: Fri Oct 19, 2007 5:06 pm Subject:

Posted: Fri Oct 19, 2007 5:14 pm Subject:

Beautiful! so good to hear things like that, congrats and big forum hug

Posted: Fri Oct 19, 2007 7:14 pm Subject: reply

ladybug! Great news!

I'm very happy for you! HAPPY DANCE! HAPPY DANCE!

Posted: Fri Oct 19, 2007 7:38 pm Subject:

Speaking of Advance America...Didn't I read that they are with the CFSA now? I have a co-worker who confided in me about her pdls, and AA is one of them. Before I say anything, I just want to make sure I understand correctly...If a pdl is a member of CFSA, aren't they required to make payment arrangements with you if you are not able to pay the loan in full? Something about them splitting it into 4 parts and not charging additional interest...does anyone know about this?

Posted: Fri Oct 19, 2007 8:55 pm Subject:

Congrats Lady Smile

I am so happy to hear that you are getting through this payday loan mess. Keep up the great work!!!!

Posted: Fri Oct 19, 2007 9:03 pm Subject: reply

Eleroo, I pulled out what I printed that goudah posted. Yes, Advance America is on there. And the way it works is that, yes, they split your payments. You may pay the transaction balance in four equal payments coinciding with your periodic pay dates. However, the first sentence of this statement by the CFSA states: "Subject to applicable state laws..." We found one member who tried to use the CFSA; however, this members state did not have it in place. So I am assuming some states do not have the CFSA in place.

Posted: Sat Oct 20, 2007 8:34 am Subject:

Yeah for you LAdybug!! I am so happy when I see people who came here-panicked, witout hope,etc., and then see them post they are making progress!!

This gives you some relief and hope,huh? Great going..karen Very Happy

Posted: Sat Oct 20, 2007 8:40 am Subject:

Congrats!! That is fantastic news! I bet you feel a lot better!

Posted: Sat Oct 20, 2007 8:47 am Subject:

Hi Cannr. Thanks for making it a little more clear. I will do some research and see if our state has the CFSA in place. Hopefully so. I would love to help her get out from under it. I know that the 4 equal payments will be more than she normally pays, but to be done with them in 2 months and be free and clear...it would be so worth it, I would think. Smile

Posted: Sat Oct 20, 2007 7:46 pm Subject: reply

I agree, eleroo. It took me by surprise when that member posted that her stat didn't have it in place. I'm wondering if mine does now. Just out of curiousity. I don't recall seeing a list of states on the site. However, I was just concentrating on the list of members. Never even thought to see if it was in place in every state. Shocked