PA payday loan Hell!!!

Pennsylvania State Information here

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

Please let us know who you have loans with, are they internet or store front?
how much do you owe each lender, how much have you paid back to each, add fees and principle to get one total for each lender

All are internet
payday one laon $500 paid $729
Cashnet USA $450 paid $226
us fast cash $300 paid $270
upfront payday $200 paid $180
Rapid cash $400 paid 240
One step cash $300 paid $180
Northway (CTC) $200 paid nothing
Genevea roth $ 300 pid nothing.


CTC is stating they are going to attach wages and wont take a payment and rapid cash will not send me anything to pay off loan in full which worries me! They just want a money gram.

PA allows internet based companies with no physical location in PA to lend under another state's license and laws.

I can tell you right off that Payday One is licensed. I'm not sure which state's license they are using for PA, I'll check on that one.

Cash Net USA is licensed and lending under their Nevada license.

how do i find out the law for nevada?

Nevada State Information here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Thanks! How do I get the maximum % charge permitted?

Payday One is probably lending under their Deleware license . . . But that isn't 100% for sure.

There is no max for Nevada . . . . That's why they use that license. Same for DE, no interest rate cap.

Thanks you guys are awesome!!!!

I think, but am not 100% positive, that the other companies you are dealing with are not going to be licensed anywhere, making them illegally operating companies . . . . No interest at all for them!

Northway/CTC is bad news and illegal everywhere. They are based in malta with call centers in Canada. You must send them a letter revoking the wage assignment that you agreed to with them. As soon as you are behind with them they will send a letter to your employer trying to get there money. Wage assignments are voluntary and illegal in some states. You have a couple on their that are extremely difficult to deal with. I have heard that there may be changes in PA law but I will need someone with more knowledge to answer that.

This is probably why rapid cash wont put anything in writing!!!! They're in Utah and want money but wont email or fax a "bill"..... How do I resolve????

DO YOU KNOW IF THERE IS A GENERIC TEMPLATE I CAN USE TO REVOKE WAGE ASSIGNMENTS?

All you need to say is
I (name) hereby revoke any and all wage assignments that I mat have given to you , or your affiliates.
Also give a copy to your employer.
You can send the same thing revoking Ach debits(this they will porably ignore)

Thanks!!! I think you guys are my new bffs..... Anyone know anything about rapid cash?

If you go to the search box on top, you will find lots of unfo on them.
Again Welcome to our forum. I am glad that you registered. Stick around and lets us know how you are doing. If you need us we are here

ok- i researched rapid cash for you they are based in utah and operate as the rosewood group. anyone know anything?

There are a few different Rapid Cash pdl's . . . . I know that. Do you have an address for this one?

1108 east south union ave
midvale, utah 84047

Ah! I see! The name is Rapid Cash for You. I've nver heard of them before . . ..

Can anyone help me? I was wondering if there is a generic format I can use to start contacting the unlicensed companies.... I mean a letter that states that I only have to pay principal amount because they are not licensed.

Guest, what state are you in? How do you know that all are unlicensed? Do youu have any store fronts. All of this matters