I lived in california and I have 7 payday loans.

I have to say that I am very depressed and i dont think to find a solution. This payday loans are taking the happiness away from me =(.
My lenders are this:
Ace Cash Express
Check into Cash
Monet Mart
Check and Go
Continental Currency Services
Advance America
Cash Back Pay Day Advance
and the last one is:
Money tree.
Please help me!

As per the FDCPA rules, the collection agency cannot call you at odd hour. A debt collector can make phone calls between 8.00AM to 9.00 PM. They can't make phone calls at your workplace, if your office policy does not allow it.

I will suggest you to contact the collection agency and ask them to validate the debt. Once they validate the debt, you should set up a payment plan with them and pay them off.

Anna...read the thread. There are no collection agencies involved.

Anna, the FDCPA doesn't apply to the original creditor. Please be more careful about the advice you provide.

Maldonado, I am reviewing your thread, will return shortly with info on your payday lenders.

Luckily, criminal action is prohibited in your state. You REALLY need to make some type of payment arrangements but it sounds like you aren't financially able to pay large sums of money at a time.

I can tell you what I would do if I were in your position, it's up to you to use my method. I would send each one of these payday lenders a certified letter with an outline of how I intended to pay them back. In that letter I would include a wage assignment revocation, a statement explaining that you are not permitted phone calls at work or visits, as well as a good faith payment. I would use money order so that I would have a paper trail of each payment. I am quite sure they will not be very forthcoming with this plan, but the point is, you may as well begin making payments right away, no matter how small. And if you do this and they decide to take this to court you will have proof in front of a judge that you were making an effort to resolve this. By the time this went to court you would probably almost have them paid off anyway, and it might stall them for awhile.

This method has worked for other people. It's up to you. Or you could borrow the money from a relative and pay them off. Just be aware they might turn these debts over to a collection agency.

Thanks for correcting me Shazzers and Soaplady... Actually I had misunderstood the OP. As the OP mentioned the Manager calling him at his work place and also mentioned that the manager said that he was trying to recover the debt, I thought that the debt was sold off to collections. Thanks for correcting me, once again.

I see that you give your personal opinion to people on this forum and i really appreciated. Thank you.

If I want to make payment arrangements, and i know is different for every person but, What you guys think could be a reasonable small payment? And how offten should i offer them? I know is depending on my pay and my expenses but what you guys think could be a reasonable amount?

The larger the loan amount, the larger the payments. Make yourself a budget and see what you can afford, just make sure you can follow through with the payments, don't miss any, so make it affordable for you and your family. Food, housing, utilities come first.

"Anna, the FDCPA doesn't apply to the original creditor. Please be more careful about the advice you provide."

--

Hi Soaplady and Shazzers, I have a question with regards to the FDCPA and the California Rosenthal FDCPA. From what I can see, the California Rosenthal FDCPA treats the OC the same as a collection agent. Is that not true?

California Civil Code 1788.2 (c)

(c) The term "debt collector" means any person who, in the
ordinary course of business, regularly, on behalf of himself or
herself or others, engages in debt collection. The term includes any
person who composes and sells, or offers to compose and sell, forms,
letters, and other collection media used or intended to be used for
debt collection, but does not include an attorney or counselor at
law.


--


I truly respect the advice and knowledge you two have and wondered why the Rosenthal FDCPA would not apply in this case.

Yes, it absolutely applies to Ca residents. So, the original creditor will need to comply with the conditions set forth. Good find!!!

Is this legal? Did it really come from the Attorney General's office?





Dear Mkie Johnson

I HAVE A LEGAL CASE FILE ON YOUR NAME IN REGARDS THAT YOU

HAVE TAKEN THE INTERNET PAYDAY LOAN YOU WERE CLEARLY MONITERED USING

YOUR MAIL ADDRESS TO SOLICIT FUNDS FROM A WEBSITE WHICH WAS RUN AND

OPERATED BY (CREDITOR NAME) ON THE DATE THE FUND WAS SUCCESFULLY

TRANSFER IN TO YOUR BANK ACCOUNT (BANK NAME AND ACCOUNT NUMBER)

UTILIZING AN INTERSTATE EFT WHICH STATES FOR ELECTRONIC FUND TRANSFER

WHEN THEY ATTEMPT TO EXTRACT THE FUNDS,THE EFT WAS RETURNED

CONSTITUTING A WORTHLESS ELECTRONIC CHECK



UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS

AGAINST YOU AND THEY ARE



(1) Violation of federal banking regulation

(2) Colletaral check fraud

(3) Theft by deception

(4) and the bigesst one is E.F.T.that is electronic fund tranfer



SO MANY PEOPLES HAVE BEEN PROCECUTED IN COURT HOUSE AND THEY HAVE BEEN

IN TO JAIL BECAUSE OF THIS ALLEGATIONS

SO THIS IS LAST AND FINAL COURTSEY REMINDER GIVEN TO YOU TO SETTLE

THIS DEBT BEFORE I FORWARD YOUR CASE FILE IN TO COURT HOUSE



THE CHOICE IS TOTALLY YOURS YOU TELL ME WHAT YOU WANT ME TO DO WITH

YOUR CASE FILE YOU WANT TO RESOLVE THIS MATTER OR SHOULD I DOWNLOAD

YOUR CASE FILE IN TO THE COURT HOUSE IF ONCE I WILL DOWNLOAD YOUR CASE

FILE IN TO THE COURT HOUSE THAN YOUR SSN NUMBER WILL BE BLOCKED AND

YOU WILL NOT GET WORK ANY WHERE IN USA AND YOU WILL BE FACING LIFE

TIME SERIOUS PROBLEMS AND IN COURT HOUSE YOU WILL HAVE TO PAY $10,000

INSTEAD OF $1000



IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT ME ON MY

DIRECT PHONE LINE NUMBER THAT IS 3522002687 AND MY FAX NUMBER IS

2066007332







ATTORNEY JERRY SMITH