Payday Help in Texas

I am having the issue with the payday loan people calling my job. I tried to ask the lady why they needed to speak to somebody in HR and she just said that if I wouldnt transfer her, she would call back and ask for herself. I need to know what if anything they can do with my job. I am completely new to this. I never got a payday loan before this past year, and now i am up to my ears in mess! I know i need to try to work things out with them, but they are not very nice at all.

Also, since my lenders are internet people, do i go by the laws of the state they are in, or my own?

What state are you in? Who did you borrow from?

They may be trying to pull a wage assignment on you . . . . These are voluntary, but it's easiest to revoke it BEFORE they try to issue it.

I am in texas. I have loans from:

InstantLoanToday.com $450
Quickest-Cash-Advance.com $300
InstantCash911.com $400

Do you or do you know anybody who has a letter that i can send to them?

I got a $150.00 loan from them my account was frozen and it returned one payment. I got a call from a company call Litigation and theft arbitration and they are threatening to charge me with fraud and hot checks. They now say I owe them $545.00 Can they prosecute me? I was only late one day when they called and I sent an email to the company letting them know the debit would not go through.

The company is cash n minutes. Are they licensed in texas? I have already made one payment to them.

My husband and I are in the same situation with these payday loans! Our intentions were not to get so many and most of the time all we can afford to do is have the refinance charge debited out of our account. HELP, I want OUT!!!!!!!

mb, we can help you with this but first we need a little information from you. Could you please post the state you are in, which companies you borrowed from, whether they are storefront or internet, how much you borrowed from each and total of how much you have paid back to each.

Also, mb, when you post this information for us, could you start your own thread. This helps keep your information in one place and helps you to find you again and us to find you to be sure your questions are answered. If you have trouble with this, just post and we will help you with it.

I did a loan with this company and fell behind and now I have Geneva Roth on my butt and this has went on for 2 yrs and I have closed my acct and reopened it after a year (same acct number) that is how the bank works but a year later they started redebitin y account and have been paid 60.00 twice, how did they do this after me having acct close for a year?

Anyone know how to close an accout with these peolpe. They keep taking the min of 90 every 2 weeks and I thought Texas had a limit to the extensions.

That would be Loan Point USA

I took a $300 PDL from Loanshop Online back in October 2007. We made several payments on this loan (about 5 payments of $90/each), then we ran into a serious financial setback and had to default on the loan payments in order to keep our electricity on, food on the table, gas in vehicles. We are now back on our feet and I am willing to repay the loan. I contacted them today, June 2, and explained that I am willing to repay $100 every 2 weeks beginning Friday June 6. I was told that this was not acceptable. The agent said I had several broken promises and they did not believe me, and could no longer speak to me about my debt, only my representative or attorney. She also told me that I needed to "check my resources" and if I did not have $300 in their office by 4 PM today, they would proceed against me with a judgment. I again explained that I am willing to pay this and needed an arrangement, and was told it was too late and that their hands were tied and they could not hold the account for 4 more days. I was also told that the total amount was $890 (I previously requested validation of the charges, but never received it), and that I would also have to pay their attorney and court costs which would be "well over $1000."

HELP!!! Can they do this? I am WILLING to pay this, but they won't accept my arrangements. I am in Texas. What happens if they take me to court? Will they garnish my wages or take my property?

They can file the returned check and a hot check or "theft by check", also most cities can now charge you twice for each check. The first charge is for the act of writing a bad check, just a class c misdemeanor (usually a fine) and the other charge is for the "theft" of what you got out of writing the bad check, a Class B misdemeanor. But the "theft by check" charge is none the less a theft charge and can affect any future jobs, schools, housing etc that you might apply for.

THE TEXAS AG'S OFFICE SAYS THEY DO NOT PROSICUTE PEOPLE FOR CHECKS WRITTEN FOR PDL'S. THEY PREFER NOT TO DEAL WITH THOSE PEOPLE

I gotten a call at work for a payday loan I think I did online. They said it was in 2005. I don't remember they had my information. If I did I'm quite sure I've paid it back. The thing is they inform me today that they are filing 3 criminal charges again me. I don't need anything like that on my record. Can they do that. The loan amount was for $470 now they said because of interest it's now $1584 and I have to pay now no later then 5p. I don't have $529. I can want to my debt but don't have that kind of money. I asked can I have a address and mail it in via money order she said not it have to be debit from a credit card or checking account. The won't give me any documentation to verify. What can I do. Thanks for any help you can provide.

Net

They cannot file criminal charges. Debt is a civil matter, not a criminal one.

It sounds like a illegal collector bought up some old junk debt and is trying to harrass and intimidate you in to paying.

Did they say who the orignal lender was?

It is also almost very hard to garnish wages in TX. They are blowing smoke.

I would ignore them unless you think you can get an address to send a cease and desist letter to.

If not then hang up if they call again.

Thank you. When they call and I request the address of the lender is. Can't I get notify them to set up a payment plan if it's truly my debt.