Credit Unions

Hello jeannie and welcome to the community! I am also a member of a credit union, and yes, they DO know what a hard debit block is. You need to speak directly with the branch manager, or a supervisor. If you would list the following information we will be most happy to help you further. :)

-Whether they are store front or Internet
-How much you borrowed.
-How much you paid so far.
-The state in which you reside.

by the way, credit unions and banks are governed by two different government entities.

Check n Go will work your check in store for 90 days, then they send it to corporate who will try and ACH it 2x. If that fails they sell it to an outside collection agency. The store managers have the ability to work with you to get payment just don't avoid their calls because then they start calling your references. Check n Go will not take you to court but if they end up selling your check that CA might. Try to make payment arrangements with them but make them realistic for you and make sure you keep to the schedule. Even if they say it's not acceptable keep doing it because they HAVE to apply it to your account. Good Luck

Thank you so much for info. Here are the loans, and by the way they are all online, and I live in Tenessee.
PayDay Yes 510.00 settling for 210-will not return call. Original Loan 350-paid so far 180
SJM Marketing 510.00 Paid so far 360. sent e-mail no response.
Cash Advance 250.00 Paid so far 200 going to clear that up next week, offered payment arrangement 138+139
Checkngo 300 Paid 0, Going to settle.

Someone will be along to post your laws for the state of Tenessee, hang on.