In Debt from PDL's.....Help!!!

Hi,

First you would need to ascertain which of your lender are legal. You can use the following link to find out the licensing status of your lenders in the state of AZ.

"http://azdfi.gov/Lists/Lists.htm"

Integrity Advance is not licensed in your state, you need to close your account and reopen a new one elsewhere so you can gain control over your finances again, your account will never be safe again. As far as the store front lenders, you need to check the link below to see if any of them are members of the CFSA ( Community Financial Services Association of America), if they are, that means you are eligible for the EPP.
http://www.cfsa.net/MemberList.aspx

Read the link below to read about the EPP:
http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html

You can view and read your payday loan laws at the link below:
http://www.paydayloaninfo.org/stateinfo/AZ.asp

You can download a list of lenders who are licensed in your state at the link below, if your Internet lenders are not there, this means they are not legal in your state:
http://azdfi.gov/Lists/Lists.htm

If you find illegal lenders, then CLICK HERE to find out how to deal with illegal lenders.

So two of my lenders are illegal in the state of Az, and 3 of the store fronts are CSFA. Do I contact them before I close my account and if so what do I tell them? As far as my illegal ones do I just notify them that I am revoking any rights to my account? I really appreciate all the help you guys have given so far, I feel better than I have in months knowing that the end may be near soon!

for the storefronts, i believe you have to contact them before you default and ask about the extended plan. before doing so, check out the links that shazzers posted to see if they are members of the CFSA. for the illegal ones, do not tell them a word until your bank account is secure or they will rob you for everything you have.

Thanks!! Unfortunately I have one of the worst banks known to man!! They won't let me close the account, because if the payment gets put through it reopens the account and so now I have to spend money to put stop payments on these damn illegal payday loans. Im afraid that they will try to use a different name and still get the money that way. For integrity advance the principal is paid so Im done with them and for SSM I only owe 25 which I will gladly give them, but I just know they will keep trying!! UGH!! So frustrating!! Anyway does anyone know if the bank will allow them to pull the money out using a different name????

Does anyone have an address or email for these idiots?? I cannot find any contact info and I want to contact them asap once my account is secure. Thanks!!

what bank is this? you can revoke ach at anytime and since these companies will ignore this, you should be able to close it. you can put a hard block on your account and it will be set as deposit only until this clears but there are ways to permantely close your account.. i would speak to the manager, than to corporate asap, it is illegal for them not to allow you to secure your account. like you said, stop payments will not work, they will go after the money in a different name, it really will happen only next time it will probably be for more money.. report your bank if they will not help but bug them until you find someone who knows the law.

The bank is BBVA Compass.....and I hate them! We ahve already opened a new account elsewhere, but these idiots keep telling me they cannot garantee that it wont reopen! I guess I will call corporate, because noone at the branch seems to understand my issues!!

seriously, call corporate.. speak to the fraud department if necessary since you said some of your lenders are illegal.

[COLOR=black]I spent all morning, after gathering my courage and trying not to cry, talking to my legal lenders and am happy to say they all were okay with a payment plan setup. Some tried to tell me that they could not do that for me and after telling them some of the things I learned (Thanks to you guys) they gladly set me up!! I have to say USA Cash Services was by far the easiest to speak with and they totally understood!! Now my problem is my bank.....I cannot get it through their heads that Integrity advance and SSM LLC are illegal lenders and that they cannot continue to take money out of my account! They said I can close the account but that the ACH will reopen it, even a direct deposit will open it!! WTF???? A closed account is a closed account! How hard is it!!! So I am now patiently waiting for a call back from the branch manager to see if they will put a deposit only status on my account until the direct deposit is switched over to my new account at a new bank!!! If the manager will not work with me I am calling corporate!! I am so antsy because I want to send the letters to SSM LLC and Integrity to see their responses, but I know better and I will wait! I want to Thank All of You for your help, without you I would still be in a major slump!!![/COLOR]