Need Help in Florida

1. Ameriloan - $300 borrowed - $180 paid in finance (none towards actual amount borrowed) - 521.43% apr

2. SSM Group LLC 608.33 % APR - $150 paid in finance $250 borrowed

3. 247Advances not sure what the APR is $150 paid in finance $200.00 borrowed

4. CashStarGroup 405.56 %APR - $180 pd in finance- $300.00 borrowed

5. OneClickCash 421.15 %APR - $180 paid in finance - $300.00 borrowed

6. Payday-Loan-Yes.com 842.308 %APR - $210 paid in finance - $350.00 borrowed

Florida is known to have CSO's (Credit Service Organization), if any of these companies listed are CSO's, they are 100% legal in what they charge and would not be obligated to follow the laws below. I'm not possitive about ALL of your lenders but I do know there are a few that are NOT legal ANYwhere.

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

Thank you for the information you provided. what do I do next? Any help you can provide is GREATLY appreciated

Cash transfer Center is illegal and based in Canada and Malta.
Cash Transfer Centers
Email: customercare(at)cashtransfercenters.com
Fax: 866-809-4069
Level 8 Suite 3
Plaza Commercial Center
Bisazza Street
Sliema SLM15, Malta
phone: 1-866-958-3278
fax: 1-866-809-4069

SSM/SJM (they are the same)-unlicensed/illegal
SJM Marketing 1-866-722-2770, Fax 1-866-599-5161
email: info(at)platinumbservices.com.
SJM/Platinum B Services
PO Box 558
Shawnee Mission, KS 66201
1-866-722-2770
Fax 1-866-599-5161

One Click Cash, are unlicensed/illegal to lend in any state in the US.
One Click Cash
52946 Highway 12
Suite 3
Niobrara, NE 68760
Fax 1-800-803-9136
Ph: 1-800-349-9418
compliancedepartment(at)oneclickcash.com

Payday Loan Yes Not licensed!
Oranyan House Shirley Street
P.O. Box SS 19935
Nassau, NA
Bahamas
8005506051 Fax -- 8006057419

Paydayloan-yes
P.O. Box 571992
Murray, UT 84157
(888)227-4638

I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender. If you follow the steps below for the illegal lenders only, you should be fine. I am unsure of CashStarGroup and 247Advances. Keep checking back, perhaps someone else may have info on them. :)

What should you do? read http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

thank you soooo much. I have contacted my bank and we are working together to determine whether to put the hard block or just close the account. the branch manager is working on this and will be getting back to me. I will start preparing letters as well. Thanks again. I feel like i might be able to start breathing again!

Florida section 516 states that all lenders must be licensed in the state regardless of their location. If they are not licensed then the loans are non collectable. You can start breathing. PM a member called Floridaconsumerlaw for more info. You can find him by doing a search above.

Can the payday loan companies send you to collections? Based on the last reponse i'm assuming no but wanted to double check

A payday loan company can send it to a collection agency but if the loan is illegal then so is the collection on that loan.

They can't garnish your wages if they are illegal.

Legal paydays usually have inhouse collection divisions but sometimes after a year or two will sell it of to another collection agency.

A co called my work today threatening to contact my work and do a wage assessment. They cannot garnish my wages on an illegal loan can they??

You need to revoke any and all wage assignments you may or may not have signed with EACH lender, then show a copy to your employer. If you re-read the steps above it explains.

Wage assignments are illegal in Florida but most employers are unaware of that. Follow Shazzers advice above to be safe!

ok they won't tell me which company they're trying to collect money for. They tell me that I owe $400 plus some $15 fee but I didn't borrow $400 from any of the companies.... SO, I found the debt validation letter on here and sent that to her along with a cease and desist and revocation of wages.

Thank you all. I'm so glad I found this site. You are all SOOOO helpful!!!

If you get harrassed in any way by a collector or any other FDCPA violations like 3rd party contact, contact during the validation etc. I can provide you with an attorney who will work on contingency.

I'm being harrassed. I've sent the letter twice to them. the supervisor just called and yelled at me. i explained that i sent the letter and she was extremely rude telling me that no lawyer can help me. I tried to ask if they were licensed and they said yes. I tried to ask what company they were trying to collect for and she wouldn't tell me. Can I please have the name of the attorney?

Thank you

His name is Matt Dolman 727 797 2020. He is fast and agressive. Tell him every conversation and letter. Not only will your debt disappear but you will probably make some money. Good Luck! He did well for me!

I have sent the Debt Validation letter and a cease and desist 3 times to PDM. They have stopped calling my work but constantly call my cell sometimes leaving messages and sometimes they just hang up. I filed a complaint with the FTC. What else can I do? I was under the assumption that once you send the cease & desist once (never mind 3 times) they have to stop calling you

Most LEGAL compaines will but the illegal ones will ignore the laws and will keep calling.

The cease communication portion of the FDCPA is an all or nothing statute. They can either consider your request as a full cease comm and never provide validation or they can ignore it and still not provide validation. I would just start recording your conversations and when you get enough violations sue them.