Several PDLs in NJ. What steps should I take?

payday loans are ILLEGAL in NJ. Close your bank account and revoke all voluntary wage assignments. You only owe principal balance only....no interest, no fees.

Listen to what Soaplady says houw much did you borrow and how much did you pay already! Integrity Advance wasn't too bad they called me the one time and that was it. MyCashNow never called me at all. Do as Soaplady said close your bank account and get a copy of therevocation letter in the dealing with illegal lenders tab and start the process of becomine payday loan free. They will call and tell you a bunch of bull but our laws matter I am also in NJ!

Thanks... I've paid all of them more than what the original loans were. The interest just keeps eating up my paychecks.

Since the lenders are not licensed to operate in your state, so you are required to pay them only the principal amount. As you have paid them more than the principal, then ask them for the refund. Illegal lenders won???t be able to take any legal action against you. Close your bank account asap to stop unauthorized withdrawal. To know about how to deal with illegal lenders, you may visit the following link:
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

How would I get a refund if the account is closed?

Request it by money order or something do not give them people any more of your information. Make sure you filed your complaints and also include in the complaints you have demanded a refund for the over payment you have sent to them.

I sent the letters and have not gotten a response from any of the companies that reference my letter. I only have gotten threatening emails & phone calls from collectors. In fact, a collector left a hand-written note in my mailbox at home to call an 800 #. What do I do now??? I am worried that they will start harrassing me at work which would be awful.

Just give them some time they will reply especially when they realize they can't get into your bank account anymore. They may not be answering because they owe you. Have you filed your complaints with the ftc, BBB, and the NJ attorney General. My Cash Now you may not hear from I still haven't heard from them. Integrity Advance called me the one time and nothing more from them. Stand your ground they say no news is good news. Look on the payday loan forum there may be a letter you can copy to request a refund I would re-send your refund request letter and see what hapoens. It is your money you over paid them make sure you stand your ground and remain stern and don't let them see you sweat. they may try to sway you and make you and attempt to scare you its a bunch of crap! They will tell you their payday loan laws prevail but actually they don't don't get frustrated just continue to quote NJ law because our laws prevail.

I received a nasty phone call from pepper cash. The woman said that she is going to contact my job about wage garnishment. Can she do this???

Did you revoke your voluntary wage assignment and give a copy to your payroll department? If so, you are covered. To garnish you, they would have to sue you first which they cannot do since they are illegal.

No... I guess I missed that step. Not sure what that means.