help please live in florida

Please tell us the names of the PDL companies and whether they are online or storefront loans. Criminal actions are prohibited in your state for payday loans.

Moreover, please tell me the amount borrowed and the amount you have paid back to each of these lenders.

they are all online loans and might be from outside US
Zip19 total is 1200 and none has been paid back
Ameriloan total is bout 200 none paid back
Unitedcashloan bout 200 50 paid back
elastic around 500 50 paid back
extracash 150 none paid back
the rest has 200 each which haven't been paid back

If they are outside the US they would be illegal and cant sue. Plus since you reside in florida, you would have to be sued here, not in california if they were legal.

Under the Florida Consumer Financial Act Loans by unlicensed lenders are not collectable

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Go to the bank ASAP and talk to the manager and have them put a deposit only on your account. Tell them what is going on!!

A "debt collector" is someone who regularly tries to collect debts owed to others. A debt collector may contact you if you are behind in your payments to a creditor on a personal, family or household debt, or if an error has been made in your account.
A debt collector may contact you in person, or by mail, email, telephone, telegram or fax. However, a collector may not communicate with you or your family with such frequency as can reasonably considered harassing. A debt collector may not contact you at work if the collector knows your employer does not disapprove, nor may a collector contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree.
A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money.
You may stop a collector from contacting you by writing a letter to the agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact, or to notify you if the debt collector or the creditor intends to take some specific action.
If you do not believe you owe the debt, you may write to the collection agency within 30 days after you are first contacted, saying you don't owe the money. The agency may not contact you after that unless you are sent proof of the debt, such as a copy of the bill.
A debt collector may not harass or abuse anyone. For instance, a collector may not use threats of violence against the person, property or reputation; use obscene or profane language; advertise the debt; or repeatedly or continuously make telephone calls with the intent to harass or abuse the person at the called number. In addition, debt collectors are required to accurately disclose their identities to the person at the called number.
A debt collector may not use false statements, such as falsely implying that they are attorneys, that you have committed a crime, or that they operate or work for a credit bureau or misrepresenting the amount of your debt, the involvement of an attorney in collecting a debt, or indicating that papers sent to you are legal forms when they are not. Debt collectors may not tell you that you will be arrested if you do not pay; that they will seize, garnish, attach, or sell your property or wages unless the collection agency or creditor intends to do so and has a legal right to do so; or that a lawsuit will be filed against you, when they have no legal right to file or do not intend to file such a suit.
Complaints about collections agencies may be filed either with the Department of Financial Services or with the Federal Trade Commission, Correspondence Branch, Washington, D.C. 20580. You also may file a lawsuit against the collection agency for violating state and/or federal law. If you prevail, you may be awarded your actual damages, as well as attorneys’ fees and costs.
To remind people of their rights – and debt collectors of their obligations – the FTC is featuring a new video available at www.ftc.gov/MoneyMatters, in the section called "Dealing with Debt". The video is also available in Spanish at www.ftc.gov/asuntosdedinero.
In addition, please feel free to read, download, copy, and distribute the FTC's consumer alert available at http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt086.shtm and the FTC's Debt Collection FAQs: A Guide for Consumers available at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm. These and other publications on debt collection and managing debt are also available in Spanish at

got this on the florida attorney general's website

As for your information, Manhattan processing, Northway financial, kingston financial, Ameriloan are all illegal PDL companies. You are only required to pay the principal amount borrowed from them.

i came to this forum gives me alot of stuff i didn't know before and it will help if i get into future trouble

Please be aware that the info posted by In Florida above applies to third party collectors and not original lenders. The FDCPA does not apply to the original creditor, HOWEVER, Florida has similar laws that do apply to the original lender.

what if they won't do that either what are my chances of having it placed on deposit only

I can certainly understand your concern in regards to the
overdrawn balance on your account ending in xxxx. I tried
to contact you personally at your number ending in xxxx
but was unable to reach you. I sincerely apologize for
any inconvenience you have experienced in regards to this.


Unfortunately, accounts in a negative balance cannot be
closed until the negative balance is paid. I understand
that you are continuously being charged by a merchant that
you have chosen to no longer do business with. Please be
assured that you are not held responsible for any
unauthorized transactions on your account or for any fees
associated with them.

If these transactions are unauthorized, please contact our
Customer Claims Department Monday - Sunday from 7AM - 11
PM EST at 1-866-564-2262 so that they may process a claim
to dispute the charges. However, please be advised that
we are not able to dispute any charges from any payday or
cash advance companies. Once the account has been brought
to a zero dollar balance, we will be able to process your
request to close the account.

Once again, I sincerely apologize for any inconvenience
you have experienced. If you have any questions or
require further assistance, please e-mail us via the
Secure Message Center or contact our Internet Service
Center at 1-877-242-7372.