legal in Texas?

I will do some research and get back with you but I can tell you at first glance most of your pdl's are illegal/unlicensed, so, I wouldn't recommend a debt consolidation company for you, illegal pdl's do not negotiate! Meanwhile, read the links below, I think it's important you do so. I will return with more info shortly.
[URL="http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html"]CLICK HERE[/URL] to find out how to deal with illegal lenders.

[URL="http://[http://www.debtconsolidationcare.com/paydayloan/internetpdl-list.html"]CLICK HERE[/URL] to read about payday loan scams!

PaydayMax - Illegal
ace - Ace Cash Express is legal, Ace Cash Services is NOT legal.
500 fast - I think you mean 500 Fast Cash - Illegal
cash usa - I think you mean Cashnetusa - They are legal.
e payday - Illegal
cashnet - Illegal
one click - I think you mean One Click Cash - Illegal
speedy - Speedy Cash - They are legal.
First Capital Money Center- They are legal. They are not a payday lender, they are a CSO (Credit Service Organization)
Payday One - They are legal.
MyCashCenter - They are legal. They are not a payday lender, they are a CSO (Credit Service Organization)
PaydayLoanYes - Illegal
magnum - Illegal
Personal Credit Corp. - They are legal. They are not a payday lender, they are a CSO (Credit Service Organization)
checkngo - They are legal
think cash - They are legal and not a payday lender, they are a bank.
The Cash Store - They are legal. They are not a payday lender, they are a CSO (Credit Service Organization)

Thanks. The cash Usa is really Solomon internet. The casjnet was a typo for cash net usa

Pay day max-illegal-pd principal plus more
Ace-owe $300-pd $275.49
500 fast cash-illegal-pd principal plus more
solomon-illegal-not pd anything
epayday-illegal-pd principal plus more
cashnet-owe $1500-legal
one click cash-illegal-pd. principal plus more
speedy-legal-0we $800
first capital-legal-owe $750-pd $553
pay day one-legal-0we $1000-pd more
my cash center-legal- pd. principal and more
payday loan yes-illegal-pd princiapl and more
magnum-illegal-pd princiapl
personal credit-owe $600-pd more
checkngo- legal-owe $1000
think cash-legal- pd 1016.04 for $800
cash store-legal-pd $800

Is this correct? If i pay an EPP with the legal companies i would not be able to pay them every month to pay off debt. What is your suggestion when working with them?
Thank you

Should i not hire a debt consolidation company and do this on my own?

Is it Ace Cash Express or Ace Cash Services?

Cashnet is NOT legal. Cashnetusa IS legal.

Don't hire a consolidation company to do what you can do. First start with your legal lenders and work out payment arrangements. It sucks that for the legal ones you've paid not only the principle but also the high interest. I know I borrowed $800.00 from think and before I have them paid off in March it will have cost me over $1,800.00. Second after you read the links provided to you, if you do as they instruct you will be out from underneath all of your illegal lenders. First and foremost though, your going to have to close you bank account. That is the only way to keep these people from accessing your money. You can pay them by a prepaid money card. I use a Wal Mart card and it works great.

So far you have 7 illegal lenders and maybe 8 (if you were talking about Ace Cash Services.)There is no reason in the world I can think of that you or anyone else should consolidate illegal loans because it will not make them go away. Whether you pay them completely off does not matter, they will continue to harass and threaten you and will also sell off your account information to other illegal lenders. So, the answer is no, a loan consolidation is not the answer for you.

Since these are all illegal lenders you can put them on the back burner until you have your legal lenders taken care of. These illegal lenders can't sue you and they can't take any legal actions against you, all they can do is threaten and harass you, which they would do anyway.

Make arrangements with your legal lenders and forget about the illegal ones for now. All you owe them is the principal amount you borrowed; less any interest and fees they may have added and less any payments you have made so far. Read the link I gave you above on how to deal with the illegal lenders.

PaydayMax - Illegal
500 fast - I think you mean 500 Fast Cash - Illegal
e payday - Illegal
cashnet - Illegal
one click - I think you mean One Click Cash - Illegal
PaydayLoanYes - Illegal
magnum - Illegal

Quote:

It looks like you have way overpaid all of your illegal lenders anyway, so close your account, and work on paying off the legal ones.

I closed my bank account today and have opened a new account-no one will get paid in january.

It is cashnet usa and ace cash express.

Do i have to pay all of my legal lenders in 4 payments all at the same time-can't do this since i just got audited by the IRS and owe a large amount to them

You will need to make payment arrangements with your legal lenders, you'll need to discuss the matter with them.