Payday loan help in MS
Date: Tue, 12/18/2012 - 00:05
I have gotten into payday loan hell and need help to get out...I am in Mississippi...I have 12...some are payday loans and some are classified as short term installment loans. Most of the consolidation companies I have talked to for assistance will still leave me in a bind. I am not in a position to file bankruptcy. I have talked to Oak View Law Group and they are reasonable but I can't figure out whether or not they are legitimate. I have also closed my account and opened a new one. I am not behind on any of these but will be on Friday when they try to debit my account and it is closed. Some of these are not even based in the states. I don't want them harrassing me, my references or my employer. I can't afford to lose my job as a single parent.
I have loans with the following companies:
Sonic Pay Day
Magnum Cash Advance
Pay Day Nation
Cash Jar
Red Leaf Lending
Action Pay Day
Integrity Cash Advance
My Cash Now
River Bend
VIP Loan Shop
Plain Green
Great Plains
What do I need to do? Any help would be greatly appreciated!
That looks great... keep up
That looks great... keep up the good work - and Breathe.. it will all work out...
Email straight from their
Email straight from their websites any you can - you should get something back right away that states they received.. and try and relax... Red Leaf and Action Pay Day - stay off their little chat link - they are very aggressive sites.. I was surprised..
Did you have any tribal loans
Did you have any tribal loans? I'm reading some scary stuff about those...
All three of my internet ones
All three of my internet ones were -- Plain Green , Great Plains and Western Sky -- nothing to be scared of - It will be OK... What are you seeing - and remember kind of like everything else you can't believe everything you see...
Stuff about them not being
Stuff about them not being regulated due to them being tribal loans...I have some that are offshore too...that is really more troubling than the tribal loans...I guess I really won't know anything until I send the letters. I'm just scared and anxious about it all. Have you talked to anyone else on here who has a situation like mine?
OK - well then I am going to
OK - well then I am going to have you email Jason directly tell him that this is from the email I sent him earlier and what you just told me and also send him your email address and user name that you used in our forums - he will be able to get fixed..
jason@debtconsolidationcare.com - this email is also on the contact page, so I think OK to give here..
Let me know how all goes today.. and yes if payments are to come out on Friday - I would send out the letters today - if bank says the account is secure!
We all have the same
We all have the same situation to differing degrees, I have seen worse... really!! It will be OK, maybe not easy, but it will be OK... and we are all here to help, I don't really even think about the 3 internet ones - I got one PIF, one that owes me money they will either cave and give me a PIF or keep arguing what ever.. and the last one eventually will figure out aht I mean they are only going to get principal back and will agree or they will turn over to collection and I have all the proof that I tried to rectify the problem and that they are not trying to collect on a null and void contact and send them a cease and desist letter -- remember to stay off the phone with them that is the main thing - they will try to confuse you.. I did some more research - Red Leaf - Offshore - West Indies ---- Action - Offshore - West Indies --- Sonic - Offshore - Malta ---The only one that has me stumped is River Bend - any thing else on that one?? can't find even a website... They know that they are illegal - they will try to get you to cave, just stick to your guns and know that we are here to help you... remember the money you will have to spend for Christmas, that should help you relax a little.. hopefully!
It is River Bend Cash. I
It is River Bend Cash. I have been reading the boards and wish I could register. There is so much wonderful information on this site. I know it won't be easy but it's the only option I have right now. It also helps to know that I am not the only one in this vicious trap. I think once Friday comes and goes, I will feel better too knowing that my check is actually in my account and not being farmed out to a bunch of different lenders which would in turn send me searching for more money. It really should be illegal for this to be allowed. I am so grateful to have found you and this site. It has truly been an answer to many, many prayers.
Very frustrated. Nothing is
Very frustrated. Nothing is posting and I have some questions. No PIF's yet but close. Still can't register!
Do you know what impact it
Do you know what impact it has when they report you to Teletrax and the other companies you see in their fine print? Does it impact your ability to open a checking or savings account and othe financial transactions? Going to start emailing in about an hour...
It was a quiet night thank
It was a quiet night thank goodness. Guess there isn't much they can do until I have officially defaulted. I have not heard back from Jason. I just want to be able to pay it forward and be able to be someones cheerleader in the future like you have been for me!
response
I am in MS as well. I have one with my cashnow also. HelpinAZ has gave me some good advice as well. I understand what you are going through. I checked out the pdl laws in ms as well with dealing with the 3 I have online. In ms rollerovers are not allowed, must pay in full on due date.
I don't think any - are any
I don't think any - are any of them on your credit now? The only one that I have reporting is CC -and I will deal with them later.. as for Teletrax - it is only a sight payday loans and the like use - you will more than likley not be able to get a payday loan or the like again.. bummer!! LOL
have you had any luck
Have you had any luck with yours? I'm going to start emailing letters shortly...
Helpin AZ has been a complete and total blessing for me!
There is nothing on my credit
There is nothing on my credit now regarding any of these...I haven't defaulted on any of them yet...may God strike me dead on the spot if I ever take another pdl...I was just worried about it impacting legal banking activities!
I have had no problems with
I have had no problems with banking....as waffles once said to me I wish I was there to shake you, you have to relax, you are going to stress out.. Breathe... and hit send...
Good for you -keep me posted!
Good for you -keep me posted!! It really shouldn't hit the fan... and your money is safe with your banks help...
I'm glad that part is done.
I'm glad that part is done. I know I have saved myself a ton of money not only from the loans but by doing it myself. When did you begin to hear from the companies that you sent the letters to?
Just got my first email
Just got my first email response...asking me to call them so they can better assist me...sending a response directing them back to my request that everything be done via email.
Good response - if they
Good response - if they choose to ignore, just do the same.. Who was that from?
Great Plains...I just don't
Great Plains...I just don't want anyone calling my references or my employer...this is embarrassing enough! One day at a time...it's all I can do...and I am breathing! You have been such a blessing!
I just referred them back to
I just referred them back to my original email requesting that everything be done via email. I still can't seem to register on the site but have been reading a ton of the posts. I am feeling better. I guess it's just a waiting game now!
It is it will be OK, I will
It is it will be OK, I will check on you before I go to bed... Have you heard back from Jason?
Great Plains -
from what you told us you borrowed and what you said you paid - you will owe them $1163.77 still in principal - I would suggest offering them an arrangement you think you can live with and email them that to see if they accept and then you just keep sending until they agree - I had them send me a PIF right away - but I had already over paid them when I started this process.