Storefront loans in Virginia

Hi. Welcome to the forum. :-) I would suggest that you call them and let them know that your bank account is messed up and you cannot pay the full amounts, and see if they will accept $50. They may want to try to cash your checks first, because if they do not cash them and then accept money towards an arrangement, then to the best of my understanding, it makes the check null. Someone, please correct me if I'm wrong....

If these are legal as you say they are, chances are they are members of the CFSA. If this is the case they will more than likely make some sort of payment arrangements with you. This must be done before you default on your loans. You need to go in and try to make arrangements to pay these off.

Excellent info Kash...as a member of the CFSA, they should allow you yo make the payment back in 4 installments on a formal payment plan.

Here are your state pdl laws below. I only see Advance America on the list for CFSA. However, the others might be d/b/a names. See if you can find out if they are operating as a d/b/a and find out the "real" name & we can check to see if they are also on the list of members of the CFSA. Otherwise, if they're not, you'll have to speak with the store manager and see what kind of payments they will accept. Some are really good at making payment arrangments and just holding your check until it's PIF. Others are jerks and won't cooperate whatsoever and turn you over to corporate/collections - but then you can make payments to them. Others will want to run the checks through the bank and have them returned for NSF before they will work for you. $50 every pay period sounds good, but like I said, some store manager are jerks and will want like 1/2 down and then payments. You have to contact each store and see what their policy is. However, one of yours is definately on the CFSA list of members.

You will find the Payday loan laws for Virginia here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html