Langhonre Debt Solutions

Can someone please help me fill out the form that Polly created to send to payday loan companies? I live in the state of NJ and I don't know where to begin. There is so much legal terms and things like that on there I just don't know what to fill in the blanks and what to delete. Please help me.

pj- try to PM Polly- she can help you with the forms you got off her blog. Good Luck..Karen

my bank told me that they needed a court order to put a freeze, credits only on my account. And as far as the ACH, you have to wait till they hit and then go into the bank and complete an unauthorized ach form on each one, each time it comes out. Then you have to close the account once it comes to a positive balance. So prior to closing the account, you have to go to the bank each time they hit your account.

What bank do you deal with? I have never heard that one before. My bank let me block the companies and then at their request they closed the old one and opened a new one for me when they realized they go by so many different names.

My bank says that this is PA law, that you can not put an account on credits only, you have to have a court order to do that now. I did it last year and closed an account. Thats what they are telling me anyway. I opened an account at another bank and am in the process of closing that one.

I am also looking at going through Langhorne debt solutions myself but am a little leary since I have already been scammed once by a company that wanted money upfront. Is there anyway to find out if they are a reputable comapny? I checkd with the BBB and they are listed but no real information on them and they are not registered with the BBB.

Anne,

I haven't read many good things about Langhorne debt solutions. If you search for them on this site, you'll find some information. From my understanding - don't use them. If you register here, you will get a call from a debt counseling company. Find out who they are and research them. You want to go with a reputable company, versus getting ripped off..again..

Good Luck!

How do I check the laws for payday loan in Maryland?

Can you post up some links to the bad things you're talking about, ssweat? There seem to be two different schools of thought in the posts I've been reading. Some people are pissed because the owner of the company used to collect for pdls, but none of them actually used the service. Then I see posts from people that claim to be his customers that seem to be pretty positive.

I am a current Langhorne customer and have only been treated with courtesy and respect by everyone there, from Dennis on down. They are currently working to clean up my remaining PDL's and I have every confidence that this will happen.

I am new to this forum and also up to my eyeballs in PDL's i have 6 at this poing, mostly for $300 each but at $90 a pop for interest each, my paycheck is pretty much gone. I am lucky I can afford groceries. I have a daughter in College and borrowed and borrowed to keep up with tuition payments because I couldn't get a parent loan for my share. I have been trying to find a way to consolidate these. I see the postings about Langhorne. Do they require money up front??

No, they don't. I would give them a call on Tuesday and they can explain what they can do for you. Good luck.

You cannot make such a representation.

Why can't she, Impossible? She says she's a customer of them. She should know whether she paid them upfront or not.

Sorry. Forgot to log in before posting.

I can tell you this, when I was in my pdl mess, I contacted them to inquire about their services. They did NOT require money up front. However, you are set up on a payment plan which builds in an account, once a specific amount that was set is reached, then they contact the pdls to started negotiating a settlement. At least, that is how it was explained to me by the company. I decided however, to deal with my own mess and was able to do so.

Hey everyone, I need some help. I have about 9 payday loans right now, and unfortunately I'm swimming in it right now. Same ol' sob story but def need help. Lanhorne debt solutions can't help me cause I'm in Fl. Anyone know any other way? Thanks

Curran, did they tell you that? I would give them a call and ask them. They have clients in several states, I know that for a fact.

Ok. I have been reading all of these remarks, and I can't tell who is telling the truth about these guys. I just started talking with these people and felt confident about everything because I see this as my only way out. I closed my bank account, but now I am scared what they, the pd places will say or do. Really, this thing is legit right????

I have everything set up with them also. Does anyone have any experience dealing with them? So what's the truth???

I talked to a rep from Langhorne today, and I put a freeze on the ACH as they told me to do that. I have 9 PDLs and made 4-5 payments for each loan. Total loan amount is around $2200. I don't see so many people from california here. Can anybody tell me if Langhorne works in CA?

In kentucky it has a law about 2 payday loans totaling 500.00 can i still receive help from langhorne if my total is more?

Langhorne won't take you if you only have two loans (I forget if they require 3 loans, 4 loans or if it's based on a dollar amount). So I guess the answer is yes, brandie. But you can also get a lot of help here if you want to do it yourself.

I have made out pdl that totalled to about 24 small amounts and now I don't know what to do. I saw Langhorne debt solutions and can anyone actually tell me if they were able to help solve your debts (payday loans? please I need the help. My paycheck and even my spouse's paycheck are just spent paying off the finance fees. I have two children and sometimes I don't know how to feed them - what with the small income that my wife and I get.

Please help. SOS. Thanks

Is there anything you can do if one of these banks is garnishing your wages to stop them.

If you were sued and being garnished there is not much you can do.

I now know that what the creditor has is a wage assignment which can be revoked by me. can anyone tell me what I can do if I am not notified of the intent to garnish my wages by certified mail prior to the garnishment.

I am looking to understand from all involved if this is the way to go to resolve these debts.
Like you, I have several, can't keep paying interest only, and have come to the point where I can't do anything but keep up the regular bills. If I have another hiccup, I stand to lose it all.
Is this above board?
Do I stand to go to court for bad checks?
Can I lose my car, my house, all of my other bad credit?
???

Are these loans legal in NJ?

Payday loans are not legal in NJ.

I have four PDLs. I live in NC. Cashjar is charging me 1115% interest. On a $725.000 advance I am not up to $1075. I have closed my bank account and have notified all PDL's that the account was closed an not to present any ACH against his account. I ask for a repayment schedule from each. Cashjar is not willing to arrange a repayment. They want it all. The Loanshoponline as agreen to postpone one months payment. Fees will double at the end of next month. Cash Star will not do anything until the PDL goes to collections.
The National Money store is just waiting for my new bank account info (fat change that will happen). I contemplating on using a Debt Consolidation Company because I don't know how ugle these companies will get. I will offer to pay the original amount that was deposited into my account. All these loans are internet. Any suggestions.
debthelp

Payday loans are banned in NC