Hello

I faxed and e-mailed my letters. I heard back from Eastside Lenders (they're a pain to try to work with) and US Fast Cash. US Fast Cash will keep e-mailing you their standard form letter. Eastside would not work out anything with me that I could afford so they turned it over to their collection agency. I changed cell phone numbers so I don't get any more calls. They never had my home phone and when they tried calling my work, I told them not to.

So far the only problem is with Eastside and I started all this in July.....

Good luck.

Hang in there someone wil be around shortly who can help you more than me. I do know that they will want some more information from you though like what state you live in, whether the loans were internet or storefront, and the amount borrowed and what you have paid so far. I am still fairly new in the process ofall of this myself but I cannot tell you how good it feels to have ocntrol of my money again.

Clay, what state are you in?

I live in AZ. All my loans are via internet. I don't have an exact talley of what I have paid, but like I said; I'm willing to pay whatever the service fees are up to this day. How can I get them to not call my work and references?

Clay

Also, I'm not planning on communicating via email or faxed letters. I want to be up front with them on the phone.

And when I say "I don't plan on communicationg via email or fax", I mean by that being my only means of communication. I understand I may have to send letters to prevent harrassing phone calls.

At least you have a paper trail if you communicate via e-mail and fax. You can prove that you've tried to work with them. They may not sign your certified letters and talking with them over the phone is nearly impossible. They will keep calling and calling and calling - ignoring any correspondence.

I closed my bank account on Friday and opened a new one. I have my direct deposit all situated and also my wife is joining the army and ships out on Oct. 20th, so I got her direct deposit situated too. I plan to gives these a guys a call on Tuesday and give them the heads up that I closed my account due to being layed off and won't be able to pay until my unemployment checks start coming in. I will tell all of them that the call is being is recorded, which it will be. I'll let you know how it goes.

You need to also let them know when your wife goes on active duty. Legally, all of you credit accounts fall under a different set of rules. Most won't change, but some may.

After thinking about it; I think I will contact them all via email just to have it in writing and give them the opportunity of contacting me if they need to (which I'm sure they will). I will paste my letter to them here when I have my final draft.

Also, I did notice on all of these payday loans that they ask if you are a member or spouse of someone who is part of the US armed forces. What does this change?

Quote:

Hey guys,

Well did just what I said I was going to do. I sent an email to all four lenders explaining my situation.

Hello,

I regret to inform you that I have been told I would be laid off by my employer at the conclusion of this week. Because of this I will not be able to pay the required payment to your company. I have 2 kids and wife who is also out of work, but will be shipping off to Army bootcamp at the conclusion of this month. I would like to be able to setup a payment plan to repay you. I will be able to pay monthly installments once we start getting money in; which should be at the conclusion of this month. I understand what I owe and have every intention of paying you back. I have closed my bank account to stop anything from coming out from anywhere and have not opened another one nor will I be opening another until I get another job or when my unemployment checks start coming in. I can't make any payments this pay period and will never be able to pay this off if I continue to acrue interest and late fee's. I have talked to my laywer and he suggests bankruptcy, but I really don't want to go that route.

I would appreciate it if we could work together on this. I'm in a very bad place right now financially and my main concern is putting food in my childrens mouth's, keeping the lights on, and keeping a roof over my head.

Please contact me via email or phone:

XXX-XXX-XXXX

I will paste any responses here when I get them. I don't expect to get one until after their payments are denied.

I have receieved a response from 1800899cash.com:

[COLOR=navy]I will notate your account but we have to follow the contract so we can’t stop the debit.[/COLOR]

I told them the account is closed and they have nothing to debit. I asked them what this meant?

1800899cash.com just asked me to fax a letter from the bank stating that the account is closed. Should I do this?

Quote:

Don't fax them. They will know when they try to debit.