PayDay Loans / Washington State

CLICK HERE to find out how to deal with illegal lenders, there is a letter template in that thread. I wouldn't attempt to send these letters via the mail, instead, send them all emails, it will get to them faster and get things rolling.

You did the right thing by closing your account, and please make sure you file complaints against these lenders with the FTC, BBB and your state attorney general, you can easily do so online, just google the above agencies.

It would be in your best interest to be upfront with your employer because after these lenders receive your letters they will begin calling you 24/7/ Don't even bother talking to them on the phone because all they will do is threaten and harass you, only communicate with them via email. Just remember, there is no negotiating, stay in control and let it be known that payments (if anything is owed) will only be made via the mail, with money orders, end of story. All that you would owe any of these lenders is the principal amount you borrowed, less any payments you have already made, they are not entitled to interest or fees due to the fact that they are not properly licensed.

A suggestion when speaking to your employer, let them know you have been scammed but are taking the appropriate steps with the proper authorities to resolve the matter, and any incoming calls you may receive at work are beyond your control. Keep in mind that you are the victim here, and you might even use that term when speaking to your employer. There's no need to go into great detail with your employer, just tell them what I stated above.

Oh and, you might want to consider changing your home & cell number, illegal lenders share personal information with other bottom feeders.