Leverage in trying to settle my payday loans?

Most definitely. If they are not registered in your state, then you have the upper hand. What state are you in??

What companies are you dealing with?? They will all tell you that they do not have to follows the laws in the state of the consumer, but they do.

I am in Maine and have spoken with my consumer credit division and found that most, if not all of the companies I have done business with are not licensed and haven't followed maine law in terms of rates per 100.

I would calculate how much in total that you paid. Then get your settlement letters typed up and be sure to insert your states' laws. Then I would start emailing them, mailing them, and even faxing, if it takes that..

There are several companies. Unitedcashloans, Genevia roth, cash advance.net, national payday, payday usa to name a few.

Yea, start calculating how much you paid and then go from there.

What should these letters say? what kind of information do I need to incllude?

Here is the link to Polly's internet pdl settlement letter, you will need to insert your info and your state's pdl laws.

You can go here
and that will be all that you need. All you have to do is fill in the blanks and be sure to add your states' laws in there.

Thank-you! I appreciate the help.

You are more than welcome. I feel that I am obligated to help you b/c everyone else helped me..