How do I find what I need to do to stop payday loans.

I will post your Michigan laws for you. Welcome ....please know that many of us were in the same spot just a short time ago. We can guide you in the right direction. If you could lsit the name of each lender/tell us if it is internet or store front. And how much each one was for and how much you have paid in fee's, etc. for each one....we can get you started with the letters and protecting your bank account/money etc.

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

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

I am ashamed to admit this by here goes.
Loanshop/Broadmore borrowed $300 paid back $360
ameriloan $300 $440
MTE $300 $675
US Fastcash $400 $680
GFSIL $225 $360
Cash Advance $300 $525
Geneva Roth Cap $300 $360
SGQ $300 $390
GECC $350 $630
TJF/BMG $390 $480
I now know that this was not the right thing to do, but I was In real need of money. I have alread closed my checking account. I am hoping I can get them to mark my accounts P.I.F. This are all internet loans,

Don't be embarrassed-we all have our stories!!

Are any of these storefront loans? If so, please try to work something out, they tend to follow state laws, and also tend to sue. I went in in person, and they did help me with mine.

You need to keep an eye on your account-just because you closed it, doesn't mean they can't get another debit through by electronic check, etc.

I will look up some of these and others will be by,also to help with the info--..karen

All of the payday loans are from the internet. I tried to keep up but then, I started to sink fast. I really appreciate any help I can get.

craftsmyway...please do not be embarrassed. We have all been through this and are not here to judge you in anyway. Just to help you sort this out and get you above water and breathing again :)

I do know that MTE, ameriloan, and Geneva Roth are all unlicensed/illegal pdl places. Ameriloan is actually a dba of mte...no worries there hun.
But what about your bank account...have you taken steps to hopefully keep the bank reopening the account for these.
The first thing as Bossy stated is make sure these people can not take anymore from you!
Huggs all will be well before you know it.

Crafts, please read this thread about closing your bank account. I2bcsi is correct, you need to take care of that first and protect your money,.

http://www.debtconsolidationcare.com/paydayloan/close-account.html

This thread had good info on closing your bank account. We usually advise you open a new account at a different bank if possible. If you can not close it atleast have the bank put a hard debit block on it so no money can be debited out of your account. If you close it you need to be sure (and get in writing if possible) that onece the pdl's hit your account it will not be forced open beucase of fees, etc. This is the first and most important step. Keep us posted on how this goes and come back and ask questions if you need to.

I have already talked to my bank and had them close my account. I told them what was going on. That is what the suggested that I do.

Good and it can not be forced open??? Ok..now, if I read your post correctly, you have overpaid all your pdls. Now you are oging to start your letter writing. Do you know how to use the pm. It is the button located on the bottom of every post. That is how members can send messages to each other. On the right side of the page below the CHAT is where you get your messages. I am going to send you a test pm and below CHAT it should say You have 1 new message.

I see the chat icon, but it says that I have no new messages.

Ok...I just sent another one. I have two in my out box so hopefully you will have one. If not we will come up with an alternate plan.

i am in the same position as well. i donot remember all the ones i have gotten, because some are already at a collection places, and i have like 6 or 7, how pathetic i am, but it is time to get it all straight. thanks

I am sorry but it still says no new messages.

Wow the guy's can get nasty can't they. I just got two calls. One from Loanshop and another from TJF/BMG. They said that I had committed fraud, that they could put me in jail. Then they wanted to talke to my supervisor. The guy from TJG/BMG had a hard time speaking English.

What should I say to them? Should I just tell them to leave me alone or what?

Try not to take their calls. You would not believe how many messages I have taken for myself. They can not arrest you and you can not be charged for fraud. They are trying to scare you into paying.

They can not have you arrested and they have no business talking to your supervisor. You need to get your letters out revoking their right to : debit your account, contact you at work, and revoking any wage assignments. Were you able to get that letter from Roxy?? I am thinking you have probably over paid every one of them.

This is all so new to me. I hate not being able to pay my debts, But I really belive that I have paid. Enough is enough. Thanks for helping! :D

Crafts. I am working on a way to get that to you...

No, I have not gotten the letter yet. I do not know what the problem is but it still says no new messages. I have checked several times.

Crats here is where to find the letter Morning is talking about. Go to the thread for Anyone live in NY and dealt with payday loans..on the second page there is a good letter. YOu can copy it and change the information to reflect your state and situation. Send it to each pdl...you can e-mail, fax and be sure to send a copy via USPS, certified reciept beucase you want the green card for documentation. If you need addresses, use the search box in the top right corner of this page, type in the company name and address and it will list the threads the addys are posted in....If you need help let us know.

crafts...maybe go off site and then come in again?? When I first started here sometimes I had to reboot my system and then the messages would be there. Just trying to help....

Or maybe Roxy can PM ...darn Mike is gone...I forgot who is taking his place this week...maybe Rox will remember??

Sorry Roxy...we must be posting at the same time!!

Morning, VOlley posted it in a thread awhile back and I listed it for Crafts. Crafts, the section where it says I only owe and will pay...change that to I have overpaid by $$$$ and I am demanding a refund of this overpayment.

Morning, I think we have followed each other around all day :lol: It's all good. I have to go home and find a stellar recipe for your thread.