Please help!!!

First of all, please provide the name of the payday loan companies, the amount you've borrowed, the amount you've paid back, and what State you're in. Someone will be along to give you some advice, but they'll need this information.

You need to provide infor, pld name, internet or storefront, amount barrowed, amount paid... others here can help you once you provide this information. Plus whos calling you?

ARIZONA
ALL STORE FRONT
BANK ACCOUNT CLOSED

Allied 300.00
cashsmart 500.00
advanced 350.00
fast loans 300.00
moneymart 400.00
checkmate 400.00
check into cash 250.00
check center 400.00
speedy cash 300.00
checkmate 300.00
payday loan 400.00

[RIGHT][URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=513678"][/URL] [URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=513678"][/URL] [/RIGHT]

I posted all of that the other day Points down the thread, sorry I am really scared

The people from the payday loan store in town threatened to come to my job, Money Mart said I was a sad person yelled at me

ARIZONA
ALL STORE FRONT
Allied 300.00
cash n go 175.00
cashsmart 400.00
advanced 450.00
moneymart 400.00
speedy cash 300.00
checkmate 300.00
payday loan 400.00

Ok, store fronts are different than Internet. Someone who knows more should be able to get with you soon.

Okay, legal or not, they cannot yell at you. Call the corporate office asap. someone will be around, i have never dealt with storefronts. for now i would hang up on them asap, it is unacceptable to be spoken to that way.

Thank you
I dont need this I am trying to make arrangements. but if they come to my work and I loose my job then NOONE will get any money

He keeps calling me back telling me i better call him back or he wil do a ACH on my account and impose a 85 fee for non payment,
the other i dont want her coming to my job

hang tight, i really do not know the laws on storefronts but someone can and will help you here. next time they call, tell them it is not you and take a message.. this will give you extra time as needed. this is crazy, do not be scared.. they cannot do anything legally to you. if they are a legal lender the worst they can do is take you to court. have you talked to corporate about this? tell them you will lose your job and will not be able to pay anything if they keep calling.

Check with the CFSA. If any are members file a complaint there. The members are required to follow certain guidelines including working out a payment plan! Also check your state collection laws. Very often they make harrasment illegal for original lenders.

i agree, frog.. this is a huge difference from calling at work to remind you of a payment. this is pure harrassment and uncalled for.

It will take a lot of work to find the state laws! In Florida the laws for original creditors are almost identical to the FDCPA. It may be the same in Arizona. I did find this which applies to tacking on charges and is worth reading. Arizona Statute! This law includes all lenders that are collecting debts from what I read!

[LEFT]32-1051. Duties of licensees[/LEFT]


[LEFT]An individual, firm, partnership, association or corporation to whom a license is to be issued under this chapter shall:
1. Meet the financial responsibility and bonding requirements of this chapter.
2. Not have been a former licensee under the provisions of this chapter whose license was suspended or revoked and not subsequently reinstated.
3. Deal openly, fairly and honestly in the conduct of the collection agency business.
4. Except for attorneys licensed to practice law, not attempt to collect any collection fee, attorney's fee, court cost or expenses unless the fees, charges or expenses are justly due from and legally chargeable against the debtor, or have been judicially determined, nor shall any licensee engage in any unfair or misleading practices or resort to any oppressive, vindictive or illegal means or methods of collection.
5. Except for attorneys licensed to practice law, not give or send to any debtor, or cause to be given or sent to any debtor, any notice, letter, message or form which:
(a) Simulates any legal process.
(b) Is ambiguous as to or misrepresents the character, extent or amount of the obligation of the debtor.
(c) Represents or infers that the existing obligation of the debtor may be increased by the addition of attorneys' fees, investigation fees, service fees, or any other fees or charges when in fact these fees or charges may not legally be added to the existing obligation of the debtor.
(d) Threatens to sell the obligation of the debtor to any person, firm or group.
(e) Uses or sets forth the name of or purports to be from any attorney at law or legal firm.
6. Except for attorneys licensed to practice law, not use any letterhead, or literature bearing any heading, slogan or statement representing or inferring that the licensee practices law, renders legal services or advice, or maintains a legal department.
7. Not by the use of any letterhead, advertisement, agreement, form, circular or other printed matter, or otherwise, convey the impression that the individual, firm, partnership, association or corporation is vouched for or is an instrumentality of the state, a political subdivision of the state, or the department. [/LEFT]