payday loans never repaid

Alabama's information
Quote:

You will find the Payday loan laws for Alabama here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

First I would check the payday loan laws in your state. Then I would contact advance america soon before they take you to court. advance is probably the only one that is licensed in your state. They probably will make payment arrangements with you.

For the bounced checks, if you remember who you wrote them out to, I would call them and try and make good on those checks. The places that you wrote those checks out to can turn them over to a CA and then it will go on your credit record but they can also turn the checks over to the DA and the DA can take you to court.

with the internet loans, if they haven't contacted you yet, your lucky. They will call you at home and at your job when you default. It is a nasty cycle with them. But don't believe what they tell you over the phone, unless they are licensed in your state. You may want to contact them after you get the other things taken care of first.
Good luck and it's great to see that you want to take care of these. It will take some time but in the end you will feel better when you get them paid in full.

thanks you guy your information was very helpful. i feel better about repaying my debt already

If you list the payday loans, indicate whether they are storefront or internet, how much you borrowed and how much you have paid back, some one surely has dealt with some of them and would be able to advise you on how to handle them.

How can i find out what the law for loans are in my state. I know that all of the payday loan places we had here have all closed because of some new law. It had something to do with a person not being able to have a loan for so many months in a one year period. Does anyone know about this?

go to paydayloaninfo.org and click on your state!

has anyone delt with ucl before? they keep calling my job. i have turned everything over to my AG. im waiting on him. he said he would take care of them. im still worried about them when they say that i have to pay by a certain time.

I have dealt with Advance America and frankly I'm surprised they haven't already taken you to court! They can be sticky to deal with, but if you call them and work out a payment plan with the store manager, you should be OK.
They are also a storefront lender, which means they are probably licensed in your state and definately should be paid first.

I work in the payday loan business. In Alabama a payday advance is usually considered a loan. They usually take you to small claims court to collect. Some send you to collection companies.

As far as getting calls at work about your "bills". Tell them to stop calling you at work. Look up Fair Debt Collection Protection Act. They have to stop calling you at work if you tell them to stop. If you will call the manager they will usually work out some payment plan. They will try to make you think they can't but it is cheaper to work out something with you than take you to small claims court.

Does any one know if you can stop a payday loan place from ganishing wages

An internet pdl can not garnish your wages. You need a court order to do that , and since most operate illegally they can not get a court order. They can try to do a wage assignment. They are voluntary and you can revoke that at any time.

I did not know that was voluntary how do you revoke that. The company I am dealing with has said they are going to garnish wages and I need to do something before that happens

Well they can not garnish. When you took out your loan you may have signed a wgae assignment.
Just send them something that says I (name) hereby revoke any and all wage assignments that I may have signed for you or any of your affiliates.Also give a copy to your payroll person

Ok so what if I can not get it to them the company is B.I.G they r very rude people and they have not given me any way to contact them. The only time I can talk to them is when they call me they said they are part of ACH loans. This stuff is huge nightmares thanks for all of your help

Big is one of the most illegal ones out there. They are located in england. If you do a search in the above search box you may be able to find an address or an e mail for them.

This is what I found.

The phone number I have for BIG is 877-282-5450. Address is Northway House, 1379 High Road, Whetstone, London, England, N20 9LP./

since it is BIG i would focus on your HR getting that letter revoking the wage assignment.

The company that I am dealing with is B.I.G. there is no number or adress for me to contact them at how do I submit something to them in writting about the wage assignments. And also what is that for if you can revoke it at any time.Thanks for all of your help

Ok thanks guys for all of your help I just wrote something to my HR lady and gave it to her. So if I understand they can not take any money from me now. How do I get them off of my back with out going broke because they just keep adding interest on to it I got a $200 loan and now they r saying I owe them over a $1000.

mmm

mmm

stop them in their tracks.

I was stupid and got a payday loan for an emergency. Looking back, I would rather have delt with the consequences of not having the money at the time instead of paying 400% interest on $1000. It just eats me up inside. I got a spam email about debt consolidation, but i went to the site anyway. They helped me settle with Advance America and they retracted the credit reports. I still had to pay $200 above the $1000 I borrowed, but now I am making the payments through my debt consolidation company who is only charging me 15%. I am just glad I am not having to look over my back now. I dug back through my email and grabbed the link. After filling out the form you will get a call and can explain your situation.

It was a long link, so i made it short using tinyurl
tinyurl.com/6zv4qr

hope this helps.

I would tell BIG that they are no longer allowed to call you and that if they want to discuss the matter further, they need to contact you either via snail mail or email address. Keep telling them that and refuse to discuss the matter further- do not continue to talk with them on the phone. Hang up on them once you realize it's them, or don't answer the phone at all.

If they want their money bad enough, they *WILL* contact you by email and/or by the terms you told them. They are going to be difficult until you start being firm and adamant with them.

LOL...this company is well known for their harassment. We should start refering to them as "The Notorious B.I.G.".

Yeah they r really harsh, I have told them several times to stop calling me at work I even gave them my home number and they won't use it. They called my boss and told her that I owe them money and that they would continue to call until they got it. Also they saud they were turning me over to there legal department. What can they do to me I have already gave my employer the wage assingment letter saying I revoced it is there anything else I need to do.

Have you tried sending them a cease and desist letter for the phone calls? I know a lot of these lenders tend to ignore those and call anyway, but it's worth a shot. Who answers the phones at your work? If at all possible, have them tell them you no longer work there.

for the calls to your employer,you can have you co-workers tell them you no longer work there.you can also file police reports for harrasment.either has worked.