I have the paydayloan they are eatting up my finance

You just need to work out an arrangement with CashNetUsa, they are licensed with your state. The others will settle with you once you take the steps we have been telling you to. And I have not seen a response to your questions putting up blocks. You just need to treat CashNetUsa as if they were a storefront pdl, because they are licensed in your state.

what about ameriloan they are licensed too should i do them the same and what do i look under to see what payday loans are illigel in the state of ill. then i can go from there.

NONE of your internet pdls are licensed in your state other than CashNetUsa. NONE OF THEM.

Laverne, Take a breath- Brown Sugar and Steelers have answered your questions, go back and take them step by step. You just need to deal with Cashnet, and see what you can do. They can't garnish without a judgement, and you aren't there yet. Don't borrow any more trouble. Just take it day by day, step by step. Good Luck...Karen

how can you look to see who is really license let me know how. i am a little excited again.

Look at the first page of when you posted, ther's a link to tell you that they aren't licensed...KAren

ok i will come down so i will let you know how it goes.

i looked back put the link and how can you put the name of the company in and it will tell you all the name of pdl thats license or not in your state this is the link i want

http://www.paydayloaninfo.org/state_detail.cfm?id=IL

i saw that but it said not permitted roll over so that mean they are not suppose to roll over take the full pay all at once like cashnet usa and cashcenters tranfers. they do it like the law says the rest doesnt they have been rolling me over since may i dont even care if they dont send it back just say it is paid off. this will work for me then they have gain i lost but i sont have to deal with them again.

my account went over drawn this pay period i am really depressed,but hoopelly it will get better so guys you think i am doing the right thing? so you in turned paid off your payday loans sugar or what because al the ones i have are doing roll overs i have 5 for 90 dollars each one 165 per pay period 2 for 75 2 for 60 the other were 90 now on what we call a paydown i have about three being paid down now it was ok for a minute but now it is over my check.

I think that I'm moving forward. I closed my account today and opened a new one. I am planning to send the emails to the pdls tomorrow morning. Is it ok to just email them, or should I email, fax and mail a copy.

Also, has anyone worked with a regulator in their state or do you just submit your complaint to the AG? Does anyone have a sample of the complaint that they submitted?

To be on the safe side; email, fax, and send the letters certified. If you file a complaint with the AG's office you can do it online. It just asks you specific questions.

cojames when yu went to your bank was it hard to close did they ask you questions why you were closing the account tell me the procedure youwent through, iam going to close my account tuesday but i cant do it tell tomorrow.

hi is brown sugar or cojames or steeler is any one on now i have two questions on the floor right now.

Laverne--

Just tell your bank that you would like to close your account because you think someone might have some of your account info, and from there , tell them you would like to open a new account

I noticed in one of your previous posts that you said your account was overdrawn. Most more than likely, you won't be able to close your account until you bring it to a positive balance.

You can go to another bank and open a new account and then switch your direct deposit to that acct. and then deal with the overdraft with the old bank. You will need to work out a payment plan with them once they close it for being overdrawn so many days. Otherwise you are going to keep going in the same circle with this pdl mess. Better to owe the bank.

my bank did not give me a hard time. they closed my current account and opened another one. They are also re-directing my direct deposits for 30 days which will give me time to advise my employer.

I am more concerned about sending the letters to the pdls tomorrow and what type of reponse I get. Any words of wisdom?

You are going to get the usual: You signed a contract agreeing to follow our laws, (that is a lie, they must follow the consumers state laws), they are going to accuse you of fraud (another lie), they may say you have a certain amount of time or somebody is coming to arrest you (ANOTHER BIG LIE) Just stand your ground, don't back down, file your complaints with the AGs office and send/e-mail/fax the settlement letters multiple times a day if you have to, you will eventually get your results. Sooner than you think.

i am in ill and i have one store front and the rest are internet,they are cashnetusa,cashtranfers center,ameriloan gfsil, ics,pro.precessing,paycheck today, paychecknow, cash advance,crown lending,geneva roth,tmberhill,fsm,xtra cash,csm.which are legal and which are not,telllme more.

i worte something i need this thing reread, above someone answer me are those in the list above legal in illionis i am going to go for it i hope i dont regart this. laverne.

We have repeatedly answered your question, multiple times. Reread your threads, the answers are there.

i know steeler but someone came on and said it was ilegal to close your account and not pay your bill through them that is my concern what time is it where you guys are? i lost over 100 dollars in nfs this check i am mad but hopely i will get back on track i was robbing peter to pay paul and still owe both. i am going to close my account but i would like to ask a question if the dont close it can i stop my payroll? for a while till i get things together?

Laverne if you have direct deposit it can be stopped at any time. KYSIDE38

listen guys i just talk to a cousoler she said we can be garnish and they can take yu to court for those payday loans and all the payday laons are legal now and they do not have to settle with me only if i have legal resp. like them which charge a lot to do so help where do i go from here?

Laverne, I don't know who you talked to, but I can tell you right now most of those in that list are NOT licensed companies.

Step one...Get to the bank and CLOSE YOUR ACCOUNT. It is YOUR account, not the PDL's account..You can close it any time you feel like it, and it's not against the law. Open a new one, and give NO ONE the information.

I need you to tell me how long you've had each of those loans...Example: GFSIL-6 months, etc. and how much you've paid to them.

You can do this on your own. I did, along with many others here...And there are people on this forum that were in a LOT deeper than you.

Calm down and relax. It takes time, but you'll come through this, but you have to stay calm through it.

you say calm down but they sat they are legal and can do these things you cant ask for settlement, gfsil 6months,cash net usa,cash transfercenter you have to pay all at once, also cashnetusa, premeirprocessing 3months, crown lending one month,asto one month,timberhill times two for8 months,xtra cash 8months,ics 5months,paychecktoday only owe 175 with them paychecknow owe 80 dollars genovea roth 325 2 months maybe, timberhill,300 plus the 90 dollar fee,since may20006,

Companies that follow all the laws in your state can garnish your wages or take you to court over the remaining balance. You need to check for yourself to see if they are legally licensed in your state or not. Do not take the word of the companies, they will lie to you. They will tell you you will be arrested and all sorts of terrible things will happen if you don't pay, but it's just talk.

But if you aren't strong enough to deal with this yourself maybe the best solution would be to hire someone to do it for you. It's more expensive, but then you wouldn't be freaking out.

Read through the threads on how to do things. All of the information is there. If you have a specific question or need more help just start another thread.

goudah now what do i ask the attorney general if icall them about the payday loans? iam afraid to deal with these people i dont want garnish, or court i hard they have to get a judement to do so first, i will pay them out just want to do it alittle different way, i had 5 90 dollars comming out to 60 dollars. 2 75 dollars, 1 for 100, 1 for 165,none are going toward the principle, so when i do close my account,i wait for the response than start with the letters of settlement , just staart now.

Laverne, reread through the posts. This has been answered multiple times.

how do you get out of pdl in texas

Laverne...OF COURSE the PDL's tell you they're legal, but the majority of them ARE NOT. They are liars. They want to get you scared and upset to get you to pay more than you owe.

Tell the attorney general that you have several pdl's that are doing business in MD. Tell them you just discovered that they are illegal in MD. They will tell you what to do. Just tell them the truth.

You want to ask the attorney general what you should do about these illegal loans. They will send you in the right direction.

Just read through the other posts and you will see what info you need.

I have several pdl's:
Payday OK, Payday One, Payday Select, GFS, Speedy Payday, SGQ Processing, Viking Loan, Arrowhead, Midland Marketing, Easy Payday, VC Funding
I live in MN and it looks like none of these are licensed in my state. Payday One may be, but I am not 100% on that. I have stopped payment on these and closed my account and have tried notifying these companies of this only none have gotten back to me to work out repayment plans....I know this is a common practice of them. My only issue is that now I have been contacted by Westbury Ventures and B & A regarding four of these accounts. I don't want to send them a dime because I know my money is lost via moneygram....but they threaten with everything. I have not been threatened with arrest, but they have mentioned fraud and the fact that I am a dishonest person. They don't let me get a word in at all to explain what happened. I know they don't care, they just want their money. But neither company will validate my debts, they said that I have record of this debt on my bank account. I told them they had to validate my debts, but still won't do it. I have filed a complaint with FL AG regarding B & A and now I am waiting on a call back from the Regulator from my state. My only concern is being sued for not sending payments or doing what they ask of me. I have kept all correspondence from Westbury...and this guy is a real trip. He sends generic emails that give me forms for either a cc payment form or a checking account debit form. The emails also list that I have to send money via money gram...but the emails don't actually list my account number or the amount that I have to pay. He has told me to quit making excuses and not waste anymore time. I called and emailed him and left him messages stating that I wasn't making excuses and that I had no problems paying back my debts once they were validated. I told him that I wanted validation to check out what payments I had made and how much interest they were charging me. Does anyone have any suggestions for me or tell me if I am on the right path? I think that I, like others here are scared to send that settlement letter...I am scared of what will happen next. I feel like I don't have the best back bone to stand up to these people, so I am also looking into legal assistance in these matters. Thanks to everyone for help/suggestions.

i am sorry for saying you guys were ling it just so may people say it like this and other say the oppsite, i did go and close my account to day and also put a freeze on it, so now what is the next step i just dont want no one garnishing my check. this is the concern, i will pay them. so what is the next step and how soon should i do it? how do i do the revolk letters for the companies and my employer? please write back soon, again sorry for what i said please accept my appogy, after talking to an counselor i got scared a gain.

what do i need to say in a letter of revokment to my employer, i am going to take the letter to them to day to insure no one can garnish my check at least right now till i can get the letters out to everyone i have a lot dont know how to get one to them because they are all pdl on the internet you understand. so to write ?

i hate you feel that way again i have read the form i have called my job they act like they do not want to help me with the letter of revokement they say i can put it on file but if they send it i will have to do as they say, so anyone that dont hate can you answer that. steeler you have to understand people are calling me and i am really desperate now, i am sorry you feel that way but the questions i asked are new not the same as before.

i guess i will not write any more since no one wants to anwer my questions anymore, i cant help it because i cant understand as fast as you guys can so i hope some can talk to me the companies are calling my house and my sisters house i dont want them calling my sisters house,they say they are operation something or others.

Laverne, we have repeatedly answered your questions. You only have to reread through this thread.

Laverne, have you ever registered? If you do, a professional counselor will call you..maybe they can help.

I don't think it's that people don't want to answer your questions, it's just that not everyone is on the board. We are here to help each other.

Also, the reason your employer doesn't seem helpful is because you keep using the word garnishment. A garnishment is a court order and they have no choice but to comply. Some pdl's use a wage assignment. That is voluntary. If you do a search you will find examples of wage garnishment letters to send. I would send them immediatly.

Also, if you feel that no one is helping you, please register on this site and PM me. I would be happy to answer any of your questions in more detail. Just know that I'm not always on the board, so if I don't answer right away, it's not because I don't want to, I'm just not there.

hi evryone!! i am so glad i found this place! its such a relief to know i am not the only person out there who is hurting and feels stupid for getting in over my head with these pdl companies. i am be doing this for about 4-5 months and got to where i was borrowing from one pdl to pay another then another and before i knew it i had about 9 out at the same time. i got so scared and didn't know what to do. my parents helped me out a little but i still owe a lot of loans on line to GFSIL, cahnet, arrowhead, llc,emerold and they all are calling me 20-30 times a day harassing me and threatening me even at work. i dont know the laws and would like someone to give me some advice. i have closed out my checking account but dont know where to go from here. at first i was so stupid and thought i had to pay these guys and didn't make my car payment for 2 months. now of course i have them breathing down my neck and my cc companies it just never stops. i know it was my own stupidity but know i need some very good advice pleaseeeeeee help.....

Welcome to the forums. Hopefully we can help. What state are you from? Go to this link www.paydayloaninfo.org and look up your state laws. Then figure out how much in total you have paid each one of them. If it is over the max allowed by your state dont give them any more. Always pay the principal and what your state allows for intereest. Finally the last and most important thing. File complaints with Attorney General. Any body else you can think of. The more complaints the better. Best Wishes KYSIDE38

thanks so much!!i joined the forums and am glad you guys are here. i am from iowa. most of them are civil when thay call me but they are asking for more money than i can send them at once. they tell me they will not accept anything less than half of what i owe them. is that legal?i thought they had to accept any payment you could send them. im not against sending them $$ to pay off my debts but when they totally refuse to send me anything in the mail and tell me the only way they will accept money is out of an account i think these guys are totally breaking the law. how can they refuse to send me something in the mail proving that i owe them $$. im thinking its because they dont have a legal leg to stand on and they know theyre breaking the law!!! anyway i dont know the laws of my state but will do some research and find out. also i do know that if anyone has any pdls in nevada that barbara buckley is in politics and totally against them. she is in the process of passing several laws against these slimballs. i have contacted her and anyone else should also do so. the more e mails she gets the more she will probably help. i know of at least 2 of my pdl companies are in nevada. i have also contacted the governors office in my state to file a complaint. i really think if we all stand together they have to eventually do something to stop these companies!!!! good luck to all...

Welcome to the forums. One person that is on here fromIowa is Sue she can be of great assistance to you. PM here. Also file complaints with the Attorney Generals office they are the ones that handle this. Your link to state laws is www.paydayloaninfo.org click on your state. Best Wishes KYSIDE38

do you have a phone number for barbara buckley so that i can talk to her i am not in nevada, but illinois maybe she can tell me something about them i think a lot of people has that gfsil, tell what they told you again kitkat?

i dont have her # but if you goto her web site you can send her an email. i received a response the next day from her office. i just checked out my state regulations for pdls and i have over paid these companies. now im going to send them emails and tell them to clear my name off the accounts as paid in full. anyway just send her an email and let her know whats going on with you and your concerns. good luck.

what is barbara bucklys web site so i can email her.

barbarabuckley.com -i hope she can help us out she hasnt contacted me in a couple of days but hopefully she'll stand behind us. i know of several ipdl companies in nevada. if you want some info on barbara buckley just do a general search. there are several articles in the las vegas sun times about her. good luck!!!