pdl help

hello, welcome :)
first of all, we need to ask you some questions:
which companies are these? how much was borrowed, how much was paid back? are they internet or store front?

I do not know texas laws but hang tight, we've been there before and it will be alright.

Thanks for answering so fast.

All are internet. This is really embarrassing to have to admit all this, but I guess I should just get over it so that I can get help and get this under control.

Cash Net USA- loan was 850.00 and have paid 661.95 in fees nothing on the principal and the last 222.00 was returned so I'm in default on it and they are calling my place of employment now.

Cash Transfer Centers- 1200 nothing paid yet

500 Fast Cash- 300.00 paid 180 in fees, no principal

Ace Cash Services- 300 paid 180 in fees, no principal

Paycheck Today- 300 paid 630 in fees, 200 on principal

Cash Advance Network- 300 paid 630 in fees, 200 on principal.

Us Fast Cash- 350.00 paid 210 in fees, no principal

Instant Cash USA - 300 paid 180 in fees, no principal

Cash Central(TLC) -400 paid 407 in fees, no principal


I think this is all right. Is stopping my direct deposit a good idea?

Quote:

Thanks for all the advice. I'll try stopping my direct deposit today and hopefully I can get off early enough to get to the bank before the lobby closes. How do I find out if the other companys are legal or not? I am soooo glad I stumbled on this site. I think I have aged 5 years almost over night trying to figure out how to get out from under all this. I'm sure I'll be back with more questions, but atleast I have a place to start. Thanks again.

keep us posted :)

I was told that Cash Net USA is legal and that Cash Transfer Centers,500 Fast Cash, and Us Fast Cash are not. How do I find out about the 6?

Instant was legal but not anymore.

DBA Operating Name: INSTANT CASH
License - Number: 50599
Type: Regulated Loan
Date: 5/23/2007
Status: Canceled
Location - Address: 1025 N MOCKINGBIRD LN
City: ABILENE State: TX Zip: 79603

Same with Cash Central

DBA Operating Name: CASH CENTRAL
License - Number: 42164
Type: Regulated Loan
Date: 9/9/2003
Status: Canceled
Location - Address: 1827 WYOMING
City: EL PASO State: TX Zip: 79903

I could not find Paycheck Today or Cash Advance Network in the databases.

I think Ace is legal. I do see an Ace Express on the database.

Thanks. I was kinda thinking Ace might be legal and as for paycheck and CAN, I'll see if I can email them from their site and start from there. Thanks sooo much.

where i can go to get the laws for pdls in texas so that i can add that to my c&d letter?

Here you can get all the states...

http://www.paydayloaninfo.org/chelp.cfm#5

This will be easier..

http://www.paydayloaninfo.org/lstatus.cfm

Texas state law.

thanks

ok, i'm getting emails and phone calls at worki from a few of my pdls since i'm now late on all of them. should i reply to the emails with the c and d letter or start a new email?

Send them the letter again. A C&D is for a collection agency, not the original creditor.