Kansas Pay Day Loan problems

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Speedycash, Think Cash and 247Greenstreet are internet, Advance America, Quil Cash and Chescsmart are storefront.

Speedycash - Was it an internet loan?

247Greenstreet is not licensed in your state.

Think Cash is an installment loan, backed by the First Bank of Delaware.

They should not be treated like a pdl, since they are an installment loan. And, since they are backed by a bank, our Federal Law allows them to import their home state's interest rate and bypass any state licensing or laws.

Advance America is a member of the CFSA and is not a payday loan. You will be give an Extended Payment Plan if you contact their corporate office and ask for it.

I don't know whether Quickcask is a member of the CFSA or not. Have to do some research on them.

Thank you. And Speedy Cash was an online loan, although they do have store front locations, but not in close vicinity to where I live. When you say Advance America is not a pay day loan, what does that mean? Do you know why Check Smart wouldn't accept my payment arrangements? I don't owe them that much, and I can't come up with the full amount so I would have assumed offering payments would have been easier for them than pursuing a judgment.

I did forget one more, I had a loan with Check N Go that I defaulted long ago on and those clowns from First IRS are now calling me and threatening me. This was also a store front, I paid it down to $160.00.

Contact the corporate office of Check Smart and ask them for a payment plan. As they are members of the CFSA, they might give you an Extended Payment Plan.

I had an EPP with them, made one payment and couldn't make the next. That's when their cooporate office started calling me and they're the ones that said they wouldn't take my payment offer and that they would uphold my contract with them. I don't know what he was referring to exactly. Unfortunately I don't have a copy of the contract, I am guilty of not reading those lengthy things and who knows what I agreed to. I feel like such a fool.

You didn't read the agreement!!!!!!!! That's the biggest mistake people do. Each and every word should be read.

I know. I NEVER intended to not pay it off though. Not a valid excuse, I know, but I got caught up in it. I kept paying and re-borrowing. I just had to make a decision because I couldn't maintain it any more. My husband lost his job, we have thousands in medical bills, things just got out of hand quickly, and it got to where I couldn't feed the kids or pay for gas to get to work. I never intended to blow them off, just need a breather to catch up. You know I had EPP's paid off in the past and they just couldn't wait to re-loan me money. They love you when they have you sinking in debt, but loathe you when you ask for help. I know I made the agreement, I know I am the only one responsible for the debt, but I have paid off the same loan amount 100's of times over. They have made an absolute killing off of me, and others like me. Shame on me for getting myself in this mess, I was just looking for advice on what to expect from them.

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