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 Posted: Sat Nov 10, 2007 9:26 pm |
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These are the ones that I have
Kwik Cash
Preferred Payday
Check into Cash
Cash Express
Money Place
Cash Advantedge
Discount Cash Advance
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worrell4
Joined: 09 Nov 2007
Posts: 10
Debtcc Points: 633
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| Posted: Sat Nov 10, 2007 9:32 pm |
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Worrell, what state are you in and are these storefront or internet?
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11661
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| Posted: Sat Nov 10, 2007 9:36 pm |
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These are store front and I am in Tennessee
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worrell4
Joined: 09 Nov 2007
Posts: 10
Debtcc Points: 633
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| Posted: Sun Nov 11, 2007 6:27 am |
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| Quote: | Tennessee State Information
Legal Status: Legal
Citation:
Tenn. Code Ann. §45-17-101 et seq. and Tenn. Comp. R. & Regs. § 0180-28-.01
Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: the lesser of 15% of the check or $30
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee)
Rollovers Permitted: None (cannot renew or otherwise consolidate)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: One $30 NSF Fee; Court Costs
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Tennessee Department of Financial Institutions
Address: 511 Union Street, Suite 400 Nashville TN 37219
Phone: (615) 741-2236
Fax: (615) 532-1018
Regulatory Contact: Bart Daughdrill,
http://www.tennessee.gov/tdfi/ |
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Morningstarr430
Debt Samaritan
Joined: 13 Jun 2007
Posts: 2337
Debtcc Points: 39294
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| Posted: Sun Nov 11, 2007 6:21 pm |
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Check Into Cash - member of the CFSA
Cash Express - member of the CFSA
You may be able to work with these guys to make payments via the EPP (extended payment plan) since they are listed as members of the CFSA.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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| Posted: Sun Nov 11, 2007 8:24 pm |
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Check into Cash will not take payment arrangements unless you have an attorney. I had to have our attorney contact them to get them to take monthly payments. Cash Express is another one that will only take $50.00 minimum payments. And it has to be paid back with 1 month.
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Guest
Debtcc Points: 100
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| Posted: Mon Nov 12, 2007 3:45 pm |
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A lot of these storefronts have just joined CFSA so it is worth calling their corporate office and asking if they have an EPP plan. If they belong to CFSA they must offer this to every customer. To participate you have to make an addendum to your existing loan before it comes due.
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motomom716
Joined: 17 Oct 2006
Posts: 143
Debtcc Points: 2117
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| Posted: Tue Nov 13, 2007 1:19 pm |
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motomom is absolutely correct! There are some "new" members. Call the storefronts and ask. What do you have to lose? Nothing. Call and just ask "Are you a member of the CFSA?"
Thanks, motomom! 
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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