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Debtconsolidationcare.com - the USA consumer forum

Need help

Date: Thu, 12/27/2012 - 10:02

Submitted by anonymous
on Thu, 12/27/2012 - 10:02

Posts: 202330 Credits: [Donate]

Total Replies: 8


I have 9 loans out and can't afford to pay them anymore. I'm not sure what to do. I am getting my self sick over this. I live in Ohio.

I have 3 storefronts
Check into Cash - $600
Checksmart - $1150
Advance America - $800

I have 1 installment with
Check n Go - $2300

I have 5 online
Payday One - $1100
CashNet USA - $1500
Plain Green Loans - $900
Great Plains Lending - $1000
Galaxy Funding - $500

My entire paycheck goes to paying the bi-weekly payments of the installment and online loans and I keep borrowing from the 3 storefronts to pay each one off.  I desperately need help and not sure where to turn.


The other 2 I think are illegal are

Galaxy Funding/Marketing - Took out $500 and have paid them back 3 rollovers of $125 for a total of $375
Great Plains Lending - Took out $1000 have paid back 6 payments at $136.34 for a total of $818.04


lrhall41

Submitted by anonymous on Wed, 01/02/2013 - 04:55

( Posts: 202330 | Credits: )


I just sent an email to Plain Green Loans on 12/26 and recieved my response today that they considered my account paid in full and was closing my account. I also went thru each and every loan I had with them and documented how much I borrowed and how much I paid back and asked them for a refund. I am assuming they did not want to give a refund and since they are operating illegally they just closed my acct and considered paid in full! I hope this helps I felt like I was drowning too and now I feel I have breathing room again and I can see the light at the end of the tunnel!!! GOOD LUCK


lrhall41

Submitted by anonymous on Fri, 12/28/2012 - 13:58

( Posts: 202330 | Credits: )


Great Plains illegal Tribal looks like you still owe them $181.96 on the principal.. I am not sure on Galaxy - I found from their site terms and conditions that they are part of Zip Cash.. could not find a location to confirm on if they are offshore. 


lrhall41

Submitted by HelpinAZ on Wed, 01/02/2013 - 05:26

( Posts: 1870 | Credits: )


first please register with the forum, The store fronts and the installment with Check n Go are legal - you will want to talk to them to see what kind of payment plan you can work out.. they may need you to default on to do - but explain that you want to pay but you need a payment plan.. you will still want to revoke their ach authorizations as well -- 


As for:
Payday One - $1100 - Not sure on this one - you will want to see if they are licensed to lend in Ohio - or someone else may know.. 
CashNet USA - $1500 - Not sure on this one - you will want to see if they are licensed to lend in Ohio - or someone else may know.. 
Plain Green Loans - $900 - Tribal Illegal - how much have you paid? 
Great Plains Lending - $1000 - - Tribal Illegal - how much have you paid? 
Galaxy Funding - $500 - Not sure on this one - you will want to see if they are licensed to lend in Ohio - or someone else may know.. 

On the ones that illegal - follow the link in my signature by OhioGal on how to deal with... make sure to follow all steps - 


lrhall41

Submitted by HelpinAZ on Fri, 12/28/2012 - 14:34

( Posts: 1870 | Credits: )


I tried to register with the forum, but I never received the email with the password. Every time I try to log in they say please see email. I don't know where to go from there. I did send Plain Greens a email last week but I have not heard back from them. I will also to this with Great Plains Lending and Galaxy Funding. I guess I will have to work out some type of EPP with the other ones. I would like to take control of my money so would it we wise to close my bank account and let the legal one's go into collection? Thanks!


lrhall41

Submitted by anonymous on Mon, 12/31/2012 - 07:44

( Posts: 202330 | Credits: )


That means they got your email.. revoking your ACH - it is OK... I would definatly recommend revoking all ACH with them and with your bank - block your current account by shutting down due to being compromised or at least have them put it on deposit only and open a new one in no way linked to the other.. As for the ones that we know are illegal how much have you paid them back already? I would have bank secure before send much more out.. 


CashnetUSA is usually legal and you should be able to work out a EPP. 


lrhall41

Submitted by HelpinAZ on Mon, 12/31/2012 - 14:10

( Posts: 1870 | Credits: )


I just looked at my account and they had red flagged it stating that my checking account was no longer valid and to call them with a new account. Now what?


lrhall41

Submitted by anonymous on Mon, 12/31/2012 - 09:51

( Posts: 202330 | Credits: )