BURIED in PDLs, please help

How do I find out if payday loans are legal in my state of Illinois?

List out your loans, how much you borrowed and how much you have paid back.

what state are you in, names of lenders, amount originally borrowed and amount paid back so far?

I live in AZ and pdl are illegal in AZ but what if I took out these loans a few years ago before they were voted illegal?

I am drowning in debt with the following payday lenders. Please advise me if they are legal in California.

I have a 390 loan with the cutter group. I paid 90 4 times, then they stsrted to take out every four days. I closed my account and started to call them to see how much I owe them. They said it was a write off, when I asked her what does that mean, she had no idea and also said I think its been paid off. I dont know what to do. What is a write off? Thank you.

I just found out Att.jones is a scam. They say its so hard to find this people,with a india foreign accent. Its sad and scarey to go through this.

they are with

Plain Green Loans
Everest cash
zip19
cash yes
payday max
ameriloan
eastside lenders

all are over $500...a couple for $1000

I have PDL with cashjar,pixycash.moneytree cash call are they legal in Nevada?

You need to go to your state's department of financial regulation to determine if your lenders are licensed. If not, they are illegal and you are only morally obligated to pay back the original principal amount borrowed. Once you determine, if legal or not, on this site click on forums, then click on payday loan help, then click on sticky on how to deal with unlicensed lenders. Follow every step. Do not skip. Will take some work on your part, but it will be worth it. Any more questions, just ask. We are here to help.

None of the lenders I had loans with were legal in my state. I have sent them letters and now I am waiting. Eastside said they were sending me to collections, advance me today said

"As stated in one of the previous emails, please be aware that this is a St. Vincent company, St Vincent and the United States are both parties to the General Agreement on Trade in Services, a treaty which specifically permits companies in one country to make consumer loans to citizens of the other.

Under the treaty, we are only obligated to follow the federal laws of the United States. We are not required to obtain state licenses and individual state laws do not apply since the federal laws adopting this treaty supersede any state's laws on the subject".

I ahve not heard from the others yet.

I have 4 PDLs right now. I have one with Money Key, but only owe 2 more payments to be paid off. I also have one with Ameriloan for $450, Multiloan for $600 and NetCash123 for $400 that I have been paying the renewal fee of $120 every two weeks for well over a year now and see no hope of ever being free of these. Are they legal in KY? If they are not, what can I do? Can anyone offer some advice? Thanks!

The state of Pennslyvania just sued and won against credit protection depot. please contact your attorney generals office about this. you can find this info if you google credit protection depot and go back atleat 6-12 pages. This just happened in Feb. 2013

First of all I would like to thank you for this very helpful information.

I received a text a couple of days ago from a company claiming they could help me get out of payday loan debt. I placed a call to this company (Payless Financial Group) today to find out about how to consolidate my many payday loans. Basically it seems that they would be doing the work that I can do myself (validating the loans, ACH and wage assignment revocations, etc.), but now I know what steps to take and I won't need to pay someone $150 to do the work for me.

The one question I have is: are PDL's legal in the state of California? This is where I live. All of my PDL's were processed online, some of the phone call interaction I had was with people that have pretty thick accents.

I will be putting together a list of the outstanding loans I have with the "renewal fees" I have paid back so far, I know there are 2 outstanding loans that have been paid back in full if not more.

Thank you again for the information!

Yep, you can say and pay whatever you are comfortable with. The ball is in your court. You have the upper hand.

What exactly is it that I need to give to my employer? Also, I sent cashtaxi $488 and my original loan was for $350. Do I contact them and demand a refund of $138 or just forget it and be done with them? You guys are great here, thank you so much for all the help and support!

Did you get a PIF letter from this company? If not I would suggest getting one! Just to cover yourself... Never hurts to ask for your refund... However, as advised by the Experts on this site, if you do get a refund DO NOT deposit into your personal account. This will only give them access to your account information. Go to the bank listed on the check or a check cashing store and cash it.

Good point about the PIF. Should I include something in the emails I send such as "When and if I pay it will be on my own terms". I ask this since my financial situation is such thst repaying them what I borrowed is going to be rather difficult at this time. Or do I just say I will eventually repay the amount borrowed. Thanks.

How do the harrassing stop once the PDL companies learn that they are not getting paid?

Phone calls cost money and after a while these fools are smart enough to realize that you got wise to them and there is no point trying to make you pay because you will not. So they stop wasting their time and move to harassing your neighbor, then your neighbor's neighbor and so on and so forth.

You just need to practice patience and completely ignore the torrents of phone calls thorough the day.

You need to read and follow ALL of the steps in the informational link in my signature line. You need to do ACH and wage assignment revocations.

You are proceeding in more or less the correct progression. Just that you should have revoked ACH before you shut down your checking account. Go to the FTC website and file a complaint with them as well.

As for Cash Taxi, you can ask them to eat a shoe. You live in NY and you are bound by it, just like these idiots are bound by the laws of wherever they are. You do not need to listen to any of their crap because it is just that, pure utter crap.

Technically speaking, you are not legally liable for paying them a cent, let alone the principal. On moral grounds, we here at this site recommend that you consider repaying at least the principal amount that you had borrowed, no interest or finance charges.

Remember: If you do decide to repay them, you do not have to set up any 'payment plan' with them or anything. You pay when you please, whatever amount you please. Pay only using a prepaid debit card or money order.

Pay day loans are legal in the state of CA, but I read that there is only a max of $300 that they can loan and a certian amount of interest....the loans I currently have are for much more than that....is there any action I can take? Also if they call themselves a "installment loan" do they fall under the same payday loan laws??

Help...not sure where to begin but I am drowning. I am going to stop ACH and then close account before my next payday.

National $600
Integrity $620
Nationwide $600
Sure Adv. $ 826
Cash Dir Express $625
MyPayDayLoan $750
VIP $450
Zip It $500
Cash Smart $550

I live in Indiana. Please help me if possible. Thank you.

I live in Rhode island. I called payday support center to help me. Which seemed that nothing was happening in a month. The harrassing started. I closed my account, and started on my own calling each one to make payment arragments. I have target cash now 500, every two weeks 150.cutter group for 300, every wo weeks 90, which I called they said it was a write off, sorry I dont know what that is.hydra fund ii 250, cash cure for 800, every teo weeks 154. Sure advance 400, yourfast payday 500, my pay advance 400. The phone call I got hes name was att.jones for cash advance his number is 1-215-758-9869, told me I was going to jail because I was getting sued. He wont stop calling me and harassing me for money. Had a police officer call me and told me to talk to him kindly or I was going to get arrested.

Even though payday loans are legal in CA they have to be licensed to lend in CA.. you can check that through California Department of Corporations - I am sure they have a website. 

For starters, you are NOT going to jail. He broke the law telling you that. Stay off the phone and stop listening to their crap.

What state do you live in, who did you borrow from, how much did you borrow and how much have you paid back???

I have 7 pay day loans. How do I know if they are legal in my state? Also I had a disturbing call, man had said I was being sued I asked for who, wont answer me, want me to pay him 200.00 for 749.00 loan I dont know about, said I was going to jail if I didnt pay him, but I couldnt give him a check or money gram. Really scare what people do.

It will depend, who are your lenders and how much did you borrow - some may still be illegal even in CA...

I also live in AZ - -Who are your loans with that you have? You are still paying on loans from before the law changed?

My mother has pdl out from:
Discount Advances
United Cash Loans
Loan Shop
She is from pa, and she just can not seem to get away from the pdl debt. Now they are calling her constantly and calling me because she used me as her reference. These loans are my mothers. I am trying to find out what she can do. She has borrowed $500 from one, $250, and $350 I believe. These are loans from around July 2012. I am waiting for her to get all bankstatements from her as to exact dates, amounts, and how much she has paid them. She told me that she has paid them what she has owed but all the fees are just too much. She said the one place actually takes out $300 on top of what she borrowed. Can someone tell me if these are legal lenders in pa and what are her options? any advice would be great.

Payday loans are illegal in PA. You are only morally responsible for paying back the original principal amount borrowed, nothing more, nothing less. Yes, please make sure that she gets her bank statements and determine the amounts paid to each lender and subtract the payments from the original amount borrowed. Very well she may be due a refund. On this site, click on forums, then click on payday loan help, then click on sticky on how to deal with unlicensed lenders. Follow every step, do not skip. Also, please register with the forum so that you can see when you receive a post.

Hello Soaplady...you really know your stuff. I cannot find where you have information in your signature line...it may be in another thread. Where do I get an ACH revocation template and a wage assignment resignation form? I need to act fast as my first payment is coming out 1/3 and I need to stop them. I was looking into Payless Financial Group; however, from what I am reading, I can do this all myself. I don't mind paying the principle, but I am NOT paying the exorbinant fees attached to the loans. Thanks. Please email me at  Thanks.

they are going to carry me to court and file a civil suit against me. My account was closed out by me and my bank due to repeatidly non sufficient funds as they cleaned me out every pay day. what can I do to get some relief

My sister had the same thing happen and they said they would come arrest her if she didnt pay so of course she did. THIS IS A SCAM!!! Tell them you have contacted the original debt holder and tell them they are not allowed to call you anymore or you are reporting them to the authorities. If you pay them none of this money will go toward the company you owe.

How do you know when you have paid enough if you are paying back the scammer??

when the principle is paid as you see you only pay the principle,and on your terms only.when that is paid stop paying as an illegal can do squat to you,and they know it.that is why they threaten stupidly.

I have 3 pdls and would like to know if they are legal in wisconsin. None of them are from wisconsin.

Where are they from?

I live in va I have a loan with my moneychest I borrowed $600 and have paid them over $1254.00 they take out $90 every week and nothing goes to the principal. I also have one with cashnetusa this one i borrowed 700 and pay $162.00 every other week. I would gladly pay the principle off but not at $90 a week. What are my options

Payday loans are legal in Virginia - but Online lenders must be licensed in Virginia - You will want to check here to see if they are: Virginia Bureau of Financial Institutions:
http://www.scc.virginia.gov/bfi/

If they are licensed to lend - call them and say you need a Extended Payment Plan or you may have to go into collections to get a payment plan you can live with..

If they are not licensed to lend then follow the steps in this link on how to deal with step by step... http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

I have 9 online payday loans totaling around $8300. That is $1654 bi-weekly. I can't afford that. I found out from the office of Florida Regulation that none of these are licensed in FL. I closed my bank account and filed complaints. Now the calls are starting. What do I tell them? The companies are Plain Green, Golden Valley Lending, Ideal Gelt, Fireside cash, North Cash, Zip19, Cash in a wink, Bestchoice123 and Cash jar.

Andrea...have you read this thread?? Have you followed all of the steps in the illegal PDL primer?? STAY OFF THE PHONE. Hopefully you done the ACH revocation and wage assignemnt revocation.

I have a payday loan with a local business. I have fallen on some hard times recently and was trying to work with them to make smaller payments to them. They keep calling EVERY SINGLE DAY. I received a letter from the sheriffs department saying that I have a summons...low and behold its the payday loan place.
I picked up my paperwork at the courthouse and it says I have 30 days to get this worked out on my own. The PDL place keeps calling even at my job. When I called them to let them know I will figure this out and get it paid off ASAP...they informed me that my total with continue to grow with late fees and charges. I'm already up to $1500+ and know she's pushing me to make a small payment of 500 by this Friday to get "caught up". They are trying to get me to just make this payment...although I think they would just want me to default and take payments through my work. They seem persistent in calling me and trying to get this payment by Friday. There must be something they don't want me to know...right?

sorry don't buy it as when you are served you have 20-30 days to respond as in present a defense.the wording "work something out on your own"never comes up until you are assigned a court date.also court dates are never as soon as 30days after your response.either you are getting scammmed or you are lying.last thing who is the lender,and what state are you in?never mentioned that either so give more details please,or know i am suspicous of your post.

well to you can'y post blogs as that is against the TOS read it before maling statements #46 as for #47 don't post idiocy that has no real merit and if you are#46 please go away.btw the FTC does act,but only after enough coomplaints have been filed.case in point.the WS/CASHCALL dodge.that is being dealt with right now so again post mumbo jumbo on another site.

SC - South Carolina, I supposed I should have been more clear. I was paraphrasing on the 30 days, the summons said I have 30 days to respond back to the court on how I was going to handle or settle this. The lender is Always Money, and since they Always call me, I let them know that it was my intention to pay what I owe so hopefully the court thing would be dismissed.
Then the woman that I spoke with was so pushy about coming in to make a payment this Friday to get my payments up to date, or pay off the whole amount, it started to seem odd. She kept putting me on hold and coming back with different responses.

the thing is since you were served properly they are being pushy because they can.it is sad but true.keep tabs on the 30 day window as if they won't budge you might want to chance court as you bring all proof of what you can pay and how you can pay.a judge will then taylor a plan to repay that benefits both sides,and not just always money.the fact is that unless you work it out,and you don't file for a court date they will get a default judgement.you don't want that.also if you file an answer that assigns a court date always money might be more open to negotiate prior to the court date.for now just keep trying to work it out.

Thank you so much for your help! I really appreciate your time and knowledge. Have a good afternoon

hi i was wondering if idealgelt goes by any other names because i want to revoke ach payments to them but hoping they cant come back under another name.i cant close my checking account because i cant get another one because of pdl companies. i live in illinois where they are legal.