payday loans

hi i have a loan from spot on loan i live in florida i was paying everytime back got laid off i told them but kept sending it threw my checking account now im in the neg and have to pay back my bank first i can give them some money on feb15 but not before i browed 500 and have to pay back 150 every two weeks i want to see if i can negoiate a settlement but have nomoney till feb also are they connected to extra funds .com or pdl

well please answer the following tigergirl49

1)how much was debited before default.

you see being in FL this loan is not only illegal,but non-enforceeable,and non-collectable.we do advocate paying what was borrowed as that is all you owe.example:

you borrowed 500.00.they have debited three times for 150.00 you only owe 50.00.you anything debited in fees gets deducted from the 500.00.try to find that info and go to the sticky titled DEALING WITH ILLEGAL LENDERS.it will give the info needed to get this place out of your life,and pay no more than you have to.
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well since it looks like non of these are legal i wouldn't worry about being sued bit go to the sticky titled DEALING WITH ILLEGAL LENDERS.it will guide you.

can they put a garnishment on my wages though if i dont pay thaem till i can

Your wages can only be garnished if a judgment is obtained against you. This can only happen in a court of law. What you're likely referring to is a "voluntary wage assignment." As the name implies, these are VOLUNTARY and can be revoked at any time. To protect your paycheck, simply send an email or letter to your payday lender stating you revoke any wage assignment you may have signed. Give a copy of this to your HR/Payroll department. What state are you in? Are your loans legal? Are they internet loans?

they were internet loans did i sign a paper when i sign my name on the intrenet for these

when you have to sign electronicaly your name to get the loan did i sign anything that said they could garnished my wages . they are internet loans one is spot on loans sometimes called pdl loans one is ameriloan and one is extra loan . do they have to send something to me to garnish my wages

is spot on loan a cso and what about ameriloan and extra funds and pdl loans are they considered cso companies are they legal in florida

Hi!
Welcome to the forums!
Your lenders/creditors can garnish your wages only when they have secured judgment order from the court and it is legal in your state. Otherwise, they can't garnish your wages.

Find out whether pdl loans are legal in Florida from the following page:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

What you probably signed is a voluntary wage assignment. Unless you revoke it, they can attach your wages. All you need to do is send an email to your lenders stating that you revoke any wage assignment you may have signed and then also give a copy to your payroll/HR department at work. If they try to attach your wages after that, your employer shouldn't allow it. My concern, though, is that some of the lenders you mentioned are illegal lenders. Have you protected your account? Have you filed complaints? Have you already paid off the principal and now they're coming after you for more? Can you share a little more info with us?

the three you mentioned are not legal in any state,and are not CSO'S proceed from there.

Tigergirl - I have moved all of your posts/threads and their replies regarding these loans to one thread. Please refrain from starting multiple threads regarding the same topic. It causes confusion.

so when i signed the contract on these loans i sign a paper saying they can garnish my wages i had some forign lawoffice call me at work and ask to speek to my lawyer said the state of california was going to sue me on my name and my social didnt reconize the companie and hung up ameriel loan i almost had paid off now its up in the 500 hundreds extra funds i had a loan payed it off and got anouther one same as spot on loans

What's your question?