Payday loans

df, We would be happy to help you but we need a little more information. We need to know whether they are store front or internet, which companies you borrowed from, how much you borrowed from each and the total of how much you have paid back to each. Once we have that information we can help you.

Hello dflovesdf, in order to help you we need more information. Please list the following information.
-How much you borrowed from each pdl.
-How much you have paid back, so far.
-The names of the PDL companies and whether they are store front or internet loans.

Meanwhile, I will search for your state information and post it for you.

As soon as you furnish this information, someone will be along to offer you advice. :)

We posted at the same time Roxy. :)

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

YOur up early Shazzers!! :lol: thanks for posting the laws, you beat me to it :D

Yes I am up early Roxy. That's me, the early bird. lol!

they are storefront.
the companies are :
Quik Cash Borrowed 300 the payback is 345
Express Check Advance : Borrowed 400 payback 460
First Choice Cash Advance Borrowed 600 payback 690
My husband has the same amounts due. So we owe these twice.
They are all due Friday for payback and we are now between paying them or paying our rent and I need a place to live. Thank you guys so much!!!

If they are store fronts, they may be members of CFSA. If so they are required to give you an exteneded payment plan. EPP. You need to go in at least 1 day before you defaukt and ask them to envoke the epp. This allows you to repay in 4 installments with no added fees.

I have found Express check Advance and First Choice to be members of CFSA. I have not found anything regarding Quik Cash.

thank you guys so much for helping. I will try to go tommorow and talk to them about this.

Quik Cash is a member of the CFSA. You can invoke the EPP with them also. Remember, you have to go to the storefronts BEFORE the loans are due in order to invoke the EPP. If you wait, it's too late. You'll sign an amendment to your loan documents and they will break the loans down into 4 equal payments coinciding with your paydates until the loans are paid in full - no added fees or charges.

Good find Cannr, I could not find them anywhere.

Thanks, kash! The only reason I know is because I had a storefront with Quick Cash! :lol: I think their name on the CFSA list is QC Financial (or something along those lines).

I have recently begun the bankruptcy route, notified all payday loan companys.....all but one has been complaincent. One has now taken me to civil court, did not off an EPP although they are a member of CFSA and did not tell me about the EPP, letter sent to them from my lawyer specifically stated they were not to contact me in anyway nor try to obtain funds from checking account. this place did both......what can I do and to whom do I need to direct this problem.

You need to direct this problem to your lawyer. This is what you are paying them for.

Yup, contact your lawyer and let them know what is going on. Did he contact them by letter or did he just tell you that information? Either way, contact him and give him the heads up.