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internet loans

Date: Fri, 04/23/2010 - 18:53

Submitted by mbar1019
on Fri, 04/23/2010 - 18:53

Posts: Credits: [Donate]

Total Replies: 5


I am currently in a chapter 13 bankruptcy but made the mistake of getting involved with a couple of internet payday loans and I don't know how to get out of paying the high fees and paying them off.


Integrity Advance is Illegal http://www.debtconsolidationcare.com/paydayloan/thread61682.html
Believe Magnum is illegal too
http://www.debtconsolidationcare.com/settlement/about20114.html


Quote:


Michigan State Information

Legal Status: Legal

Citation:
Mich. Comp. Laws 487.2121 et seq.

Loan Terms:
Maximum Loan Amount: $600
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of first $100, 14% of second $100, 13% of third $100, 12% of fourth $100, 11% of fifth $100, 11% of sixth $100 + any database verification fee
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One with licensee or more than one with any other licensee
Rollovers Permitted: None (cannot renew; lender may extend only if it does not charge a fee)
Cooling-off Period:
Repayment Plan: Yes

Collection Limits:
Collection Fees: One $25 returned check charge
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Michigan Office of Financial and Insurance Services
Address: P.O. Box 30220 Lansing MI 48909
Phone: (877) 999-6442
Fax: (517) 335-4978
Regulatory Contact: ,
Regulator Website


lrhall41

Submitted by SOAPLADY on Fri, 04/23/2010 - 19:22

( Posts: 17315 | Credits: )