Help in Ohio

Hello, tes! :D It seems as though you've already defaulted on your Checksmart loan? I checked to see if they were members of the CFSA and they are. However, if you've already defaulted, that won't help you. Have you spoken to the store front at all? The reason they are calling your references and employer is probably because they haven't spoken to you (?). Most times, the storefronts will call references and such if they can't "find" you. Have you spoken to them at all? If not, you need to contact them. You'll need to speak with the manager and explain the situation. See if they will set you up on payments. They will continue to call if you don't speak to them. The key with storefronts is communication. Call them, tell them you intend to pay this debt in full, tell them you're unable to at the moment and that you need to be put on a payment schedule. While you're speaking with them, give them your home/cell number and tell them to please only call THAT number, not your employer or your references. And, when they do call your home/cell, answer it. If you don't, they'll start calling the other numbers again. I'll post your state pdl law for you.

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