Wisconsin PDL laws

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So from what I gather..Having several store front loans=Check into Cash, Check n Go, PDLS, Check and Cash and EZ money, that I work with the corp office once the loan is past due. I am not sure what to communicate. I can not pay any of them at this point. I want to make arrangements but can not do anything for this month. Any thoughts

Check n go will send your account to collections. From there you will have to make payment arrangements. Thats what we had to do. But I closed my checking account so my check got returned.

I haven't used check into cash for YEARS and I know that if you tell them that your having problems they will drive to your bank as soon as they check to see if you have enough funds in there and cash it. (at least the one I was dealing with did that and I live 40 miles from them)

Usually if you have been a customer there for some time and know the manager pretty good, you may be able to get an arrangement from them. But you have to tell them what is going on. I mean that you are having financial problems not that you have a ton of payday loans. And let them know that you are tapped out for this month and see what they come up with. If you cannot meet what they want then go higher up on the ladder. You can contact the district manager and then corp. And if check n go is still the same it will take about a month for them to send it to collections. So that will buy you some time. I owed them $1100 and so did hubby and I made arrangements with the CA for $50 a month on each account. Now I only have 2 payments left on each account.

Good luck on this. You can do it!!

Not to step on your toes puddlejmpr, but do not go to the DM. Go directly to the Corp Office. As a rule, any deviation from the contract will require the approval at the regional or VP level. Check Into Cash will require VP approval for anything over 30 days...

No worries, no toes stepped on.but I had to talk to the DM from check n go because the manager wanted me to do something illegal. So I ended up talking to the DM and things were taken care of then. The DM fired the manager because of that.

Totally agree on a case such as yours. When it comes to payments, the Corp Office is the way to go. They are more in tune with the "big picture" and not looking at thier paycheck and bonus.

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Yep the manager wanted me to write her a check from an account she knew was closed so she could get her bonus. I think not, I am not going to go to jail so she can have a bonus :x

Heck YEARS ago I had a CA tell me to use my pet for collatoral so I could pay him. I asked him if he had kids and he said yes, then I asked if he would use one of them for collatoral on a loan and he said of course not. So I said of course not because that is my child lol.

So has any one dealt with Cash Tyme? Can I write letters to stop calling and then work out a payment plan.

How do I find corp offices to make arrangements

I have several PDL in WI

PLS
Cash TYme
Check in GO
Check n Go
Ez Money

I have not been able to pay one any of these loans. I have contacted some to make arrangements but how can I make arrangements with all of these at the same time. Most want to divide the loan into 4 payments. I want to work with one at a time.

What is my best approach. I need to also work with 3 internet lenders. Cash USA, Cash transfer Centers.

I was thinking of using Destination Debt Solutions. Is this a good move or should I work the PSL myself.

One store is extremely rude..Cash Tyme is calling even though I leave them a message and also calling references and telling who they are. How can I make them stop calling.

Please help I want it all to end.

Oh my goodness puddlejmpr that is nutz!!

I would be outraged if someone asked me to do that :evil: Unreal, I cant even understand how people think sometimes :?

snomum are all the following storefront loans?

PLS?? (is this a storefront loan or do you mean PayDay Loan(PDL))
Cash TYme
Check in GO
Check n Go
Ez Money

The state of WI has the worst PDL laws ever. You will not get much help from your DFI (Dept of Financial Institutions).

Yup,they really didn;t helpme out... I did everything on my own.. They were more concerned in protecting the PDL companies! Good luck..

PLS is a storefront in WI. They are based out oif the Chicagoland area.

As for a reaposne to snomum, I would stay away from DDS. You need to contact Catholic Charities in your area or WI has a reorganization thru the courts. I have not run into in years, but it is a court approved payment schedule that the debtor can arrange with the courts. Call your Clerk of Courts for more info.

PDLOwner I completely forgot about that :oops:

Here is what a chapter 128 is
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Just a note, I have only heard of this in Wisconsin. To my knowledge, no other state has this option.

are there any class action lawsuits against PDLs or the state government for allowing this thievery?

Why would there be a class action law suit on a legal lender? specially if they are following state laws? If you are having difficulty, please contact DFI. They are great to work with.