payday loan with checksmart

Ok, a few questions -

1. Did the original check you wrote to them bounce already? (Meaning, did they send it to your bank for payment after you stopped paying them?) Or, is this a loan where you didn't write a check, but they are debiting your bank account?

2. What state are you in? Was this a storefront or internet loan?

3. How much did you borrow and how much have you repaid so far, including principal and interest?

i have a loan out with buckeye checksmart in arizona. i defaulted on that loan, tried to make payment arrangements after i defaulted, but they do not want to hear what i have to say. the man i talk to is extremely rude. very, very nasty man. said they were going to take me to court...i told him good, go ahead and i will make payment arrangements through the court system. he said they work like that and started yelling, yes yelling at me over the phone (i was at work) he was yelling so loud my co-workers could hear him. my daughter works with me and she grabbed the phone from me and told him that was harrassment and i would be contacting a lawyer. he hung up on her. so i am waiting.....for what i do not know.

oops...he said they don't work like that

As far as I know CheckSmart has not been taking people to court. They turn it over to in house collections first which was probably one of the nasty people that called you.

If I were you I would the corporate office and make arrangements to make payments via money order. Just keep records of everything.

Buckeye Checksmart is CFSA maybe you can call them and get the Corporate number. Keep taking it up the chain of command until you find someone to help you. Persistance might just payoff.

Been there done that....Yes if you have defaulted with Checksmart their collections department will call you, and call you, and call you. The calls will get nastier and nastier. Here in Ohio they will take you to court, but you do have a little time. If I remember correctly, about 90 days from default before they send you over to their legal department. You really need to take some money to the store, as quickly and as much as you can and get them paid off. The corp office will tell you they don't take payments, blah, blah, blah..But they are not going to turn a payment away. I was able after about 60 into default to still work out 3-4 payments to get it taken care of. Just stick to your guns, the further past due you become, actually the nicer the collectors get. Weird....

ok i will try that and see if i get anywhere with them. wow....i have leared my lesson. they called me 3 more times after i got home from work. i did'nt answer the phone.

I have a loan with buckeye checksmart in az. because of financial difficulties I could not make my extension fee. I also have other pdls that were automatically taking money from my account. It finally got to a point where my account was overdrawn every payday before I could even pay my mortgage etc. I know I am stupid for ever getting involved with these predators. I closed my account and now am seeking to work with the pdls to make payments to pay back the loans. They are all willing to do this except checksmart: Mr. Hill.
He is a real jerk. He wouldn't even spend the time talking to me. He threatend to prosecute me to the full extent of the law! Does anyone know what the full extent of the law is in arizona?

Nastiest people ever. My advice is to calmly tell them to change their tone. They will make payment arrangements but they are so nasty it's hard to call them.