Please Help..

Please hang in there Brook, someone with more knowledge about this matter will be along to help you when it's possible. I can't advise you on this matter because I'm not sure, and I don't want to give you the wrong advice.

Brook, I am sure you will be safe on your cruise. We can help you get through all this. Please tell us what state you are in, which companies you borrowed from, how much you borrowed from each and the total of what was paid back to each. We also need to know whether the loans were storefront or internet. Also, if you did not apply for any of the loans, and someone else did in your name, that is illegal and you need to report this as identity theft.

I am from Pennsylvania.
I am currently filing for BK and I am just scared that someone will come after me soon.

Heere are a few of thee loans..
Payday Loan Yes
Fast Wire Cash
Rapid Cash Management
Cashnet USA
United Cash Loans
Magnum Z
US Fast Cash

There are probably 3 more. I only paid the first one or two payments before they started bouncing back to them because it was like thousands a month on this. My lawyer just said.. quit paying let it bounce do whatever. I have since switched lawyers and this has been a really long process. Still in the making.

BY the way.. They are ALL internet.

please dont be offended but did you not also receive the money from the 10 ipdl's that you allegedly do not recall signing up for? I hope your bankruptcy attorney told you that you run a high risk of not being able to include these ipdls in your bankruptcy if they were new debt incurred within the past 90-days.
best of luck!

I signed up for ONE and the next day I had 5 and then a couple days later 3 more. I figured that I had gone through one of those sites that just match you up with the payday loans. Big mistake. He told me that payday loans are a joke and basically they are illegal anyway so if you never pay them back no one generally cares anyway because they are in so much trouble as it is. But still.. I need to hear from other people involved with them.

Brook, Here are the laws for your state....

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


What this means to you is that internet lenders can lend legally to PA residents as long as they are licensed in another state. They would need to follow the laws of the state in which they are licensed.

Brook, you mentioned some were sent to collections? Which pdls and which collection agencies were they sent to...also is you bank account now closed?

So far the only one I know off the top of my head that is going to be licensed is CashNet USA. There are one or two that we will need to look up. Also, when you can, will you please post how much you borrowed from each and the total of how much you have paid back to each. And we need you to try to go back through you bank statements to figure out if there are any more...you said there may be three more.

Yeah Cash Net USA is the ONLY one hounding me.

Every single one was $200 xcept for 2 which were 300.

My bank account is closed.

letting them bounce is the worst thing to do----that is not good advice from your lawyer since you will have to pay the bank fees unless you tell the bank not to pay the drafts.






Cashnet is legal and is not a joke~they can take legal actions.

What kind of legal actions??

My bank overedraft is included in my bankruptcy.

Pennsylvania State Information here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html


what does Legal Status : Prohibited mean?

Brook, This means there are no storefronts in PA becuase they are illegal. Since Cashnet is legal you will need to determine if you are/can include that in your bankruptcy and if not, you will need to contact them and payment arrangements with them. Brook, if you are going to stick around awhile to work on this you should considering registering.

Sure I can def register. Can Cashnet press charges on me?

Legally, they can take you to civil court so no, they will not "press charges". But, you can still try to work out a payment plan with them if you can not or are not going to include them in your bankruptcy.

Well my lawyer said no problem they will be wiped out. But I will not actually be filing for a while because my papers are being prepared SOO I am really scared that in the meantime the police are going to come knocking.

ALSO, I do know that one of my payday loans I believe is based in the Bahamas.. I am going there in May. I am so afraid I will have to show ID and be detained or something insane. I am really scared and almost not even excited about my trip anymore. Am I overreacting?

Brooke, They will not come knocking to arrest you. As for you trip...I seriously doubt they will detian you in the Bahamas. Do not be afraid. Those companies are not licensed anywhere thus, they are not supposed to be doing business in your state. It it will be ok.

Speaking from experience here as I went to the bahamas via a cruise last year (and going again this year), the Bahamian authorities do not require you to show ID when getting off of the boat. Once you have your "cruise ID" when you get on the ship, you are cleared. Everyone will need to complete a Bahamas "tourisim form" which just asks for your name, why you are in the bahamas and your email address. You give these to your cabin steward.

BrookeT18,
I have fastwire cash too and I spoke to a supervisor named Caroline and she worked it out for me to pay down my loan in 4 payments without accruing any more interest.