hey guys and gals

You may try to bring the matter under control by keeping yourself available to the lenders. I am not sure how each of these companies behaves with people who have defaulted on their payments. But they may make endless phone calls and harass everyone. In most cases, when they fail to recover their money, the file is sent to one of their collection agencies. If the contract is in writing and they are in business as per your state laws, they will try to garnish wages in some cases.

If you don't want to go through such situations, talk with your lenders and arrange a payment plan. Pay the accounts at your ease and make sure that the arrangement is in writing.

none of them are licensed in the state of CA and are charing to much intrest per my state laws.

Then you need to file complaints with CA AG's office, I believe you can do this via their website http://www.ag.ca.gov/ . CA banned these guys, made a press release statement on Sept. 8th. If there is a voluntary wage assignment agreement in your contract, revoke that. Even so, your state, as in the case of most states, don't even recognize these voluntary wage assignments, garnishments must be by court order. And it is highly unlikely that an unlicensed inernet pdl is going to take you to court, because they are unlicensed to do business in your state. Just to be safe, send a letter revoking any voluntary wage assignment and give that to your employer also. You are lucky, you live in CA, they are getting tough on these unlicensed lenders.

:)well im glad to ba a californian in that case lol... though this is o laugfing matter..Steelers have you cashed in you debt cc point u have alot!

Yes, a few times.

this site is so freakin cool .....lol im on hold waith the ca AG now what do i tell them plaese dont make fun of me im new to all of this................. I just hope this all helps me...

They won't laugh at you or think you are stupid, they are getting tons of complaints that is why they are taking action and they want anyone who is dealing with these companies to contact them with their complaints. You are going to be fine and you are doing the right thing!