Langhorne Debt Solutions and them paying off Payday loans

I have been reading around this website and all the replies have been the same...They cannot send you to jail and cannot garnish your wages.
Am going thru the same problem as you, and feel a little bit relieved knowing that they cant do what they say. Browse around!

I wonder about small claims court? Any ideas on that? Some stuff is just so hard to interpret, so it makes it so much harder to understand. I am tired of stressing and worrying about it.

PayDay One will work with you. Their customer services is really nice. They make payment arrangments.

They did set me up on a payment plan, but it is still so much money...MyCashNow will not. Right now I am talking with Lanhhorne and their payment plan is sooooo much better, but still scared on what to do!

I just signed up with Langhorne and I agree....their payment plan is much better. I like the fact that I'm saving the money in an account and they are handling the lenders for me and then I pay them with the money I've saved once the settlement is reached. I don't feel like they are taking my money, it stays in my account except for their fee, which is minimal. I'm hoping it works, there have been mixed reviews on the board. I'm scared too!!!

When did you sing up? Yes mixed reviews are very common that is why I do not know what to do. Have you received nasty letters and phone calls?

I signed up with langhorne a little bit ago, haven't made any payments to the creditors yet, but the phone calls and emails have stopped since they sent letters out. I'm starting to put my money aside in the savings account so we'll see what happens when i have enough to pay these places off. I'll keep my fingers crossed that all the companies accept the payments.

I also signed up last week and they are debiting my account for the initial payment on the 2nd. They told me that once the payment clears they immediately send out all the letters to the creditors. They may call in the beginning until the letters reach them. I hope so anyway. Also, with Langhorne you can always pay the plan off early which will eliminate some of their fees.

I had my first payment come out last friday and i got a couple of calls in the begining of the week, but haven't gotten any the last two days. it's actually pretty nice not hearing from those people everyday. even if you still get the calls tell them that you are working with langhorne, which is what i did, they know who they are and pretty much were like ok. some said they don't work with them, but that's because they want you to deal with them and not langhorne.

I started getting the calls today and 500 fastcash told me they don't work with Langhorne but Langhorne assured me they did. It's a scare tactic in order for you to pay them directly. They had the nerve to tell me that I now owed them 850.00 because my debit of $150.00 was returned. I've already paid them $300 on a $500 loan.....where in the world do they come up with that figure.....BUT they were WILLING to let me divide the $800 into two payments.....can you believe that?????

yeah some of my places told me they don't work with them either, but langhorne said that they have in the past. yeah some of them used to tell me stuff like too, i don't know where they come up with these figures

well i think i am going to do it....i am a little scared...don't want to get arrested or court or anything

while some pdl's can sue,they can't have you arrested.if they threaten that then they are most likely illegal in your state or illegal period.

sue, oh great...seriously???

Yes. Legal PDLs can sue you in civil court and get a judgement against you to garnish your wages for the money you owe them

Illegals will threaten this as well as well as threating to have you arrested. They can not do either.

Only the original creditor can sue you in civil court.

I signed up with Langhorne last month. I have not paid any creditors at this point but the phone calls and harrasment from them have stopped. Of course they state that they no longer work with Langhorne and that Langhorne is not ligitimate, but that has not been the case with me. Langhorne has been extremely supportive in answering all of my questions and calming my nerves over these creditors.

Here is my experience with Langhorne, I had 5 pay day loans and was in the trap and had no where else to turn but to them. The set me up on a payment plan. The told me to close out my checking account and open a new one and do not give the account number out to anyone. I did. They sent me a detailed account of exactly how much I would need to settle my accounts. The amount was something like $1,850.00 this is after paying them of $1,200.00 in fees (very interesting). After signing up with them I then received an email telling me that I would then save money in an account and that I would then pay these lenders directly from that account (I started wondering at this point what exactly they were doing for me since it still seems like I was the one holding the bag with all the responsibility but it was too late as they did not disclose this to me till after I signed the agreement) Well like some of you the calls did not stop, the emails did not stop, I would forward the emails to Langhorne but they would just tell me to ignore them. They were only interested if the loan was sold to a third party. I now am finding out that one of my five loans has been sold to a third party, and started receiving hostile phone calls at work and they were even cursing out my co workers. I forwarded the email to Langhorne. Mind you I have not paid off any loan at this point but have paid Langhorne over $1,100.00 in fees? I received an email from them today stating that they reached a settlement with this one lender if I immediately make a payment of $400.00 dollars and then pay $200.00 dollars per month till $1,400.00 is paid off. This seems odd since their original plan stated I only need $1,800.00 in savings to pay off all 5 loans. So basically what they have done for me is nothing but sent out form letters and collected fees from me and sat there while these loans grow to ridiculous balances. The lenders were willing to originally accept the a little more than the original loan amounts when this first started but Langhorne advised me to just ignore them, Leading me to believe that they would eventually just accept the original loan amount back. That is not true. They are not negotiating anything on your behalf as time goes on, they are just collecting fees. Think about it if you have 500 clients paying you $1,200.00 dollars in fees to send out form letters and then you as a debtor do all the actual dealings with the lenders, well that sounds like a pretty good way to make money to me. I want in on this. Not sure where this is going to lead me but seems like I need some real Leagal assistance in this issue. I will keep you posted.

Personally, if I were you, I would drop out of the program with Langhorne and handle it on your own. It's not as though they are really helping you at this point and it's still stressing you out receiving phone calls and the fact that you haven't paid anything off yet. I was going to sign up with Langhorne and I changed my mind at the last minute and did it on my own. I'm so glad I did because I actually received a refund from one company and a PIF from another. I still have 2 that I legally owe principal on that are bothering me but I think of the money I am saving doing it on my own. Yes, the harassing phone calls can be a pain, but you're paying someone right now to keep that from happening yet you are still getting them. I know that Langhorne has worked for many people on this board and that is wonderful, but if you feel that they are not providing the service that they said they would, then you have every right to get out of your arrangement with them. They can't force you to stay in their program. I wish you luck and I would seriously consider doing it on your own. There are so many people here that can assist you with it and provide you with the necessary resources to do it yourself. Just something to think about.

Hi Alinewcombe,

Thanks for your reply, the problem is that I have already paid Langhorne over $1100.00 in fees. The last set of calls I received from a third party collector on friday who now claims the balance on this one account is over $2,000.00. Langhorne informed me today that they have negotiated a payoff of $1,400.00? Since I have been in the program since Sept 08 and have not made one payoff yet, I asked them what exactly have they been doing on my behalf since September, since I originally received an email from this debtor that offered me a settlement of $600.00 but was advised by Langhorne to ignore it. They also advised me that I would need a total savings of a little over $1,800.00 originally to pay off all 5 loans. Now they are claiming that I will need $1,400.00 just to pay off this one loan that could have been settled for $600.00, and I am wondering where they were getting the original figures from. Also it appears that they were not doing anything as far as talking with these lenders, they were simply collecting fees from me and allowing the loans to continue to grow in balance. I am not sure at this point who is the predetory lender/Langhorne themselves or these payday loan lenders. I have all of this documented and feel I need to find another lawyer as this all smells of a big scam!

Have you saved the $1800? Settlement companies can only make offers if you have money ready for those offers. Otherwise all they can do is try to keep the creditors off your back - which is never 100%, no matter what company you use - and pass along whatever ridiculous offer the lender proposes. Just because a lender is willing to take a certain amount doesn't mean you have to pay it. Personally, I would be p.o.'ed if I hired a settlement company and they didn't tell me about every offer they got from a lender no matter how bad it is.

No Langhornes program is for 12 months, I am only in month 6, and If I am to pay one company 1,400.00 now, that would only leave 400.00 after the 12months to pay the other 4 off. As stated this company would have accepted 600.00 back in september but Langhorne told me to ignore it! But they collected their $1,200 in fees before all of this started taking place. I guess this is just another example of someone else getting rich off of other peoples hardships.

Unfortunately, hindsight is 20/20...

There are enough non-profit groups out there that will assist individuals with settlements, consolidations, credit counseling, ect. that one should never have to pay a dime for the service. You need to do some investigating to find a local one in your area. The names vary from area to area, so call your local Social Services Department and they shuold be able to steer you in the right direction. You can also Google the term, credit counseling services' for your local CCCS office.

Again, do some research and find a credit counselor that does not charge YOU.

Non profit does not mean they do not charge a fee, it just means the company as a whole does not make profits, they cannot afford to operate without money so not sure who or where these companies are that do not charge services.

They are run by various organizations such as Catholic Charities. I mention the non-profit ones because they only charge a fee to the creditor, not the debtor. So in the case of the people looking for help, they do not have to pay anything other than what goes to the creditors.

A lot of states are adopting a model debt settlement law that makes it illegal for debt settlement companies to take money from creditors. Avoids conflicts of interest. What CCCS and Catholic Charities run are debt management programs. You pay the whole amount and maybe they'll freeze the interest, but you do get longer to pay it back.

Has any one had all of the loans settled with in the year with no problems. I am too scared for words. Any advice you can give is greatly needed.
Thanks have a blessed day :oops:

I have been with Langhorne since last October. They have only settled 2 of my 7 loans. They have sent me 2 ridiculous settlement offers that I rejected. That's it! I can't believe that we will actually be finished in the next 3 months so I guess I just paid them alot of money for nothing. The only good thing is that they got the lenders off my back and allowed me the time to get my act together. Now I feel confident that I could probably handle them on my own especially since they are all illegal not only in my state (NC) but illegal across the board and I overpaid them anyway. They will not be getting a dime from me so they can call but oh well.

I just sighned up with Langhorn, I am going to have my set up fees and everything done soon, I already changed all my banking info, and will close my account as soon as a few things clear..I just dont want them contacting my job , which Langhorn said is illegal...so we will see....

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http://getoutofpaydayloandebt.weebly.com/
DO NOT USE LANGHORNE!!! I did, and now I'm doing everything I can to protest against them...AWFUL experience, and now I'm down $1,350. I settled the remainder of my loans on my own, and created a website to spread the word about this company, as well as share the tools you need to settle your loans on your own. Please check it out... http://getoutofpaydayloandebt.weebly.com/

http://getoutofpaydayloandebt.weebly.com/
DO NOT USE LANGHORNE!!! I did, and now I'm doing everything I can to protest against them...AWFUL experience, and now I'm down $1,350. I settled the remainder of my loans on my own, and created a website to spread the word about this company, as well as share the tools you need to settle your loans on your own. Please check it out... http://getoutofpaydayloandebt.weebly.com/