Need help please

Deb, Welcome to the site. Everyone here will try to help you get through this. I am going to post Nevada Law so you and the everyone else can see it.

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

Thank you Roxy...what do I do now?? I feel so alone please guide me. Thank you s much Deb

Don't feel alone and ashamed all of us have been there. You have come to the right place for help, lots of people on here including myself have all been in your shoes. We will guide you through so cheer up.

Hi
Lost in LV, NV. I too am from lv and have dug this exact hole you are in. I just recently contacted Town & Country and they are consolidating my pay day loans as we speak. So, when the pdl companies call, I tell them to call my counselor and that is it. I am now just paying one payment to Town & County plus that includes my car payment, and any other bills besides my rent. You should contact them their # is 800-788-1141. I have had to take on another job, so I don't end up in this situation again. Something to think about

Thank you so much I appreciate the input I will contact them right now. I'll let ya know. Debbie

Quote:

Just one more thing for you to know that I found out through investigation, if you have internet loans just about anyone can help you consolidate as well as cc debt. It was very frustrating for me. You can use just about anyone to help you. It's storefronts that these companies don't want to take on. Just FYI

OK...I just called them and she said based on the info I gave them they would accept me and they are faxing over the paperwork. I'll fill it out and send it back and see what they say.

OK so what now do I close my bank account? I don't quite understand Nevada law. Any advice. Thanks Debbie

I believe you can close your account. According to your state law, criminal action is prohibited unless acted with criminal intent - which you did not. I'm going to post something regarding closing your bank account.

Does anyone know if all of my PDL's are legal in Nevada. Thanks so much...sorry I'm getting nervous they are all due on March 5th. Thanks again

queens, are you "guest" who posted the information at the beginning of this thread?

I'm soory Cannr it was me that posted the thread :)

Your storefronts will be licensed/legal. Let me check the internets.

I'm showing Check City Partnership LLC as being licensed, if that is "Check City".

Not showing Husk Hawk as licensed.

Not showing B&L as licensed.

I'm showing Cash Central of Nevada, LLC as licensed.

I think (not positive) that CashNetUSA may be Cash America Net of Nevada, LLC. If so, I am showing them as licensed.

I'm not showing CMG as licensed.

I can't seem to locate the ACH revocation letter...Does anyone have a copy. I would really appreciate it. Thanks again Deb

You can use this as a "guide". You will need to change it to fit each particular pdl and also each particular situation (paid in full, overpaid, still owe towards principle balance).

I spoke with my bank branch manager who spoke with the ach department stated that once my account is closed it's closed it will not be forced open for any reason. So I assume this is good news.

Great! If they said it will not be forced open, that is great news! So, yes, it IS good news! :D

Cannr so now I would go ahead and make my payment arrangements with all my lenders? I'm sorry i keep forgetting to login.

It's okay! :wink: You can try to make arrangments with your storefronts. Do whatever you can to get a payment plan with them. Deal with them first, as they are licensed/legal and have an actual check in their hand of yours. Your internets - the licensed/legal ones, try to set up a payment plan with them. Tell them YOUR BANK CLOSED YOUR ACCOUNT. Just lie. Tell them the bank did it. Deny having a bank account at all. Tell them you need to send in money orders for payments. The illegal ones - send the letters to. You can put them on the "back burner" for now (the illegal ones) until you get your legal ones straight. If you have any questions or need any help, just post!

oh Cannr thank you so much you guys are such wonderful people. I'm glad you do what you do for others. I'm sure I will be posting as I'm pretty sure I have brain damage now from all the stress of this ordeal :)

You post whenever you need to! We'll be here! And if you have any questions or run into any problems, we'll help you out! Not a problem!

I have started to call debt releif and consolodation companies, in turn I am receiving lots of mail from all over the US. Is there a company(Bank) that will consoldate my debt and let me pay one payment leagally.