Payday Loans in Arizona question

cow, I'm going to post your Arizona state pdl law for us all to see. Am I safe to assume that this is a storefront? Not an internet loan? If it is indeed a storefront, these laws will apply to your loan. Notice - please - that is says "criminal action PROHIBITED". So, they are threatening you with going to jail and garnishing your husband's wages? Please read your state pdl law and also verify if this is indeed a storefront loan. :D

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

Yes it is a store front place?

Okay, the idiots need to stop running your check through. They shouldn't be able to any more (God, I hate it when they do it multiple times). Like I stated, criminal action is PROHIBITED. So they are passing idle threats to you (nice). They're full of hot air when it comes to that. However, since it is a storefront and they will be licensed/legal, you will have to keep in touch with them regarding the amount owed. You can't pay it in full. Sorry about their luck. The alternatives that they have could be to turn it over to their corporate office for collections (you can make payment arrangements), keep it in the store and let you make payments on it, turn it over to a collection agency (you can make payment arrangements), turn it over to an attorney for collections (you will have to pay the attorney fee, but you can make payment arrangements). If they want to be real jerks, they can take you to CIVIL court (not CRIMINAL court). What happens then? You show up, you tell them you can't pay it in full, you make payment arrangements. All the avenues point to the same result - payment arrangements. Some storefronts are just a$$holes and threaten you with illegal threats so they can get their money in full. If you can't do it, you can't do it. You can make payments. The key is to keep in contact with them (and it sucks) so that they don't call your place of employment, your husbands place of employment or your references that you put down. If they can talk to YOU, they will more than likely leave everyone else alone. You are not going to jail. You can not get into any "criminal" trouble. Okay? Just try to contact them and see what their next step is in getting this paid. Whether it be turning you over to collections or just holding the check at the store and you going in and making payments. Honestly, I found it easier to deal with the corporate office when turned over. They were nice, they didn't threaten, and we made payment arrangements. I didn't have to deal with the jerks at the storefront anymore. Give them a call, tell them you can NOT pay this in full. They'll try to con you into paying them (borrow from someone to pay them, etc). Don't fall for their bull crap. No one is coming to get you. You will not be thrown in jail. You just need to pay this off. If it means making payment arrangements with their corporate office or a third party collection agency, then so be it. Honey, I've been there! If you have any questions, just post!

TY so much

Ok. I know someone that keeps getting small loans of like $100-$200....and this week she will be getting a $500 loan...she gets the loan, gives them her bank information, then a couple days later, closes her checking acct.
Then a couple weeks later she does the same thing again. Shes even went as far as changing banks so she doesnt have to pay back the loan! Isnt that considered fraud or theft?
And would it be considered a collection case or criminal case? We live in phoenix, arizona
Please help... thank you

That could be considered a criminal case, if they could prove that was her intent all along to close her account without paying.

Could they really come after you as a crminal for closing your account on a payday loan in az? I looked up other state laws, and some said prohibited (unless account is closed or check is returned for NSF) Arizona`s law says only PROHIBITED.

I've talked to the department of finacial institutions in AZ and no, you can NOT go to jail for defaulting on a pdl.

To the original poster, if this is a store front loan, Report them NOW.

That is an empty threat to collect a debt. They cannot legally garnish your hubbys wages and you will not go to jail for it.

Store front's should know better....give the department a call and give details, ask how to file a complaint.



Now, the person who is opening accounts and closing them after getting a pdl, yes. That person can go to jail if they are caught. They fraudently took out a loan knowing they would not pay it back and purposely closed the account for the sole purpose of defrauding the loan company.
Not to mention the said person WILL not be able to get a bank account soon. It's all on records with bank as to her history and that person will be black listed.

I had a payday loan in Mesa. I could no longer pay the interest fee's. The loan office tried to deposit my check several times making my account overdrawn. I tried to keep in contact with them and also tried to make payment aragements with them. They would not take the payment aragement, they wanted the full balance. Three weeks later I received court papers and the garnished my wages. They took over $ 150.00 per week out of my check. I did take them back to court to get the amount reduced and the judge did award me that, however the loan was almost paid in full so it never went into effect.

Unfortunately store front loans are legal in Arizona and yes they can take you to court. However, it is a civil matter not criminal and thats where people get confused. I am sorry that happened to you but thank you for sharing your story so others are aware.

The person above who keeps taking loans and closing accounts should go to jail, that is criminal behavior. This forum does not condone that type of activity.

i have 7 pdl, now i am not able to pay the extensions anylonger, can i just do stop payment at mybank and wait till they callme and set up payment arangements

The state law says only 1 loan is legal...what if you have several ? Does this mean you've broken the law in a way that could allow pdl's to file criminal charges...(because you've violated the state's limit law) ?

Currently the payday loan stores in AZ are unable to confirm if someone has more than one loan, they are not linked by computer. Having more than one loan is not criminal, and some stores never even ask because they really dont care. Its all about money for them.

i currently have 10 PDLs. i can no longer afford to pay the interests. i was making no progress in paying them off. I signed up with PDL consolidation but the stores tell me they dont work with them so now im stuck. i already closed out the checking account. the calls are starting to come in and im hating life. any advice

Please tell us what state you are in and if your loans are store front or internet. Also how much you borrowed from each and how much you have paid including all fees, rollover, interest etc. Once we have this information we can help you.

Sorry that was me Kstaff24 I forgot to log in.

I fell in the trap too. I have 3 storefront loans out in Phoenix, Arizona. And 4 internet loans. I had some medical set backs and now can't pay them. They want to deposit my check and it will over drawn my bank as I have nothing in it. Can I legally close my bank account? I have tried to call them and tell them I don't have it and will make payments to pay them off but they all say no they will deposit my check and charge me for NSF and then of course I'll get over drafts from bank as well. What can I do? I need help now. Thanks.

I have one store front loan due to foot surgery i will not be able to go back to work for 3 weeks. if i am not getting my full pay while i am off work there is no way i can pay this off. i have also heard check n go in mesa is closing there doors. all checks will go to the corporate office. what should i do.

You can request and EPP, Extended Payment plan.

They can split the loan into four equal payments over four paydays.

You need to request it at least one day before the loan is due.

I did one before and I did not even have to make the first payment right then. They let me wait until my nexy payday.

How much do you owe total on the storefront including finance charge?

If CNG is closing a store in Mesa, the odds are that they would transfer the accounts to another close location and give the customer an option to move to a more convienent location.

As for your situation, if you cannot do the EPP then I would definately contact the Corp Office. BTW, how is your history with them? The should be far more understanding if you have a solid payment history.

checkngo is closing their store in Chandler Arizona as well.

Check into Cash closed a store that was near me but I think it was because it was robbed several times.

They opened a new one a couple miles away in a worse neighborhood :? :roll:

Are you in Dayton or west of Cleveland?

Another thing is that you have to look at the plaza, visability and traffic for a site.

I am in not in either of those locations.

I dunno. It was in a good area, lots of traffic and access from the freeway in both directions so it seemed like a prime spot.

I do know they got robbed several times which was sort of strange because where they were located does not see a lot of crime but where they moved the new office too does.

Maybe the new location had more security measures? I have no idea.

I have been dealing with Lawal and Associates and CASHFIRST. I am in the process of writing them a letter to request a PIF and my credit report cleaned of their remarks. Any suggestions on wording? I don't want to say something they could use against me.

Send them a DV letter or a CD. A collection agency is not going to give you a PIF.

i have a payday loan in az--it's past due and it has gone to their collections or "pre-legal" department. I want to pay it back, but due to a change in financial situaton cannot offord the 2x monthly finance charge...the second one now would prevent me from paying my rent...they have threatened to sue me in civil court and garnis my wages...unless i go in by this friday and pay the finance charge and give them a new check...they say that then they will give me another 30 days before i have to make a payment or pay it off...I would rather pay it off in payments...what's to stop them from just running the check anyway? If I just start giving them payments, can they refuse them? Are there any laws regarding the "EPP" I see mentioned on this posting? Any advice at all? (The company is Cash One)

I realize you posted the name Cash One, but do you mean the store front Cash 1? If so they are members of CFSA. I reside in Arizona as well.

Unfortunately it is too late for guest to enter the EPP.

Looks like they are trying to push your back against the wall into reloaning. If you are trying to avoid that then I suggest you call their corporate offices immediately. Maybe you can work out a more reasonable solution.

What's CFSA and what should I do with that information? And I think it's their corporate offices I am dealing with, they've ID'd themselves as the "pre-legal department" and they're in Las Vegas.

Pre-Legal..LOL! That is a familiar term they use often.

Here is CFSA information.

Hi I had a few payday loans ONLINE and I went through alot on the past few years. I lost my job, vehicle, apartment and both my bank accounts were closed due to over draft fees and non payments. I havent done much to keep in contact with the people I can honestly say but I finally recieved a phone call from a private processor from a guy from a company called Western New York Capitol. He says that I have a case of defrauding a federal instution and check fraud because I took out a payday loan and that my bank account was closed. This was not intentional. I was dumb and tried getting payday loans to make ends meet to survive while struggling with jobs to paybills but it wasnt enough. The guy claims if I pay the debt off they wont take the case any further and that they wont serve me with papers. What are my rights? the pdl provider online was cashnetusa.com I have been restless and haveing extreme anxiety. Im so upset think that I am going to jail when I didnt intentionally close my accounts. I mean my credit is literally screwed and thats obvious so how could they say that I did this on purose, to practically become homeless to get a small loan of 350.00 online. Help someone please. I need answers

I currently have 14 payday loans out right now and i live in AZ. 5 of them are store fronts and the others are all internet pld's. I can no longer keep up with the payments of these and i am going to close my bank account/ change it. What actions can be brought against me for not paying these? Im more concerned about the ones online than the store fronts. I have great payment history with all of them. The online ones are check into cash, check n go, usfast cash, mycashnow, united cash loans, cash net usa, payday one and check city and last but not least speedy cash. My biggest fear is the word "garnishing your wages". Can they garnish my wages for not paying them?

Call 866-928-9177

I live in Tucson, I have 4 storefront loans and one online loan, together they total $2,100, I can no longer make the finance payments, can I go to jail if I no longer pay my loans?

Quote:

Q. i have a pdl out and i live in AZ pdl's are coming to a end on june 30th and my store front says every one has to pay their loans by the 25th. what happens if a person cant pif by this programs end date???

Quote:

gave a payday loan place a check, my acct was closed, the guy "helping me" said to give him check he will "work" with me. Got a call from collection agent that said i was going to jail for giving check on a acct that was closed, he demanded payment in full and called family members to get money. Can i get in trouble for giving check with act closed or is he just wanting loan paid i have made numerous attempts to pay balance no one will help they want payment in full

Quote: