Storefront PDL

Fraud is intent not to pay,or ever plan on paying when loan was made. Also,they have the burden of proving fraud.

Have you contacted them and made any arrangements to pay back gradually? If you made some type of arrangements with them it seems like they would be less likely to want to make a fraud claim.

Stop payment on a check does not mean fraud, hence it can't be mentioned as an illegal activity. I was reading a thread here with similar issues.

http://www.debtconsolidationcare.com/forums/check-fraud.html

Talk with Advance America about your payment plans. Hopefully, your proposal will be accepted as you are aware of your responsibility

I've had quite a few PDL's with them but it's just that it got to be too much. I wasn't going to have my electric shut off because I had to pay AA.

They do have a habit of filing small claims (I've done my due diligence) in this area (a few years ago they did the 'bad check' claims but they seem to have stopped.

It typically takes 30-40 days until the small claims hearing and I'll have AA/National Cash Advance paid long before that happens.

I plan on faxing them my proposal tomorrow, as I can't make it in to their store.

Sound good?

Lastly, I appreciate all the responses.

(So, I won't be charged with fraud...right?)

I sure as heck hope not, I've always paid my PDL's.

Relax Jeremy, you are concerned about your debts and this nothing is more important than this. Now, we all go through financial troubles and lenders are also human beings. You just need to explain them in that way so that they get the seriousness out of it. Ensure them that you will make the partial payments regularly. You will get some benefits from them for sure. I hope the best for you.

Actually Jeremy, it is contingent upon the state where you live. In MI, the PDL's can go after you full force if you stop payment or close your account, but can do very little if your check is returned NSF. What state are you in?

In Illinois , the law CLEARLY STATES and the contract must also conspicuouslythat you can not be jailed or criminally charged for defaulting on PDL.

However as with any debt, it's best to be upfront with the lender when you know you aren't going to be able to repay, rather than letting them find out the hard way. If you come to them when you first foresee the problem they may be more likely to work with you than waiting for the check to bounce.

I'm in Ohio.

I think I might have the answer for anybody interested.

enquirer.com/editions/1999/11/19/loc_payday_loans_high.html

I think this adds a bit too...

consumerlaw.org/initiatives/payday_loans/pay_menu.shtml

Jeremy the only website you should trust is your own state's legislator webiste.

Ohio's is:

onlinedocs.andersonpublishing.com/oh/lpExt.dll?f=templates&fn=main-h.htm&cp=PORC

Look for Title XIII

CHAPTER 1315
TRANSMITTERS OF MONEY; CHECK-CASHING BUSINESSES

Might not.

I think I'll stick with the article from the Atty in my home state.

You do you, but I wouldn't battle with inaccurate information from unreliable sources. The link I gave you came right from the state of Ohio 126th general assembly, http://www.legislature.state.oh.us/search.cfm it is the law in the state of Ohio.

I didn't see your original reply, if I offended you, I apologize.

I'm using your link, but don't know where to look.

I'm using your link but don't know where to look.

Please help!!!

click on the anderson link, the click on xiii

then click on chapter 1315

Do I click

House Joint Resolution 13

(is that the Xiii)?

I don't see it. (Yes, I'm an idiot) :(

Wrong link. (Yep, I'm tired)

TITLE XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE

CHAPTER 1315 TRANSMITTERS OF MONEY; CHECK-CASHING BUSINESSES

I don't see anything mentioning anything about 'criminal charges'

You should pm the Payday Loan Avenger, she knows Ohio's laws inside and out. I'd suggest also printing it out and going through it. G'nite.

I'm glad you could find it for him. I tried looking through the Ohio reg, and that is one messed up system they have. Its great if you know what your looking for by number but if not it would drive you nuts trying to find what your looking for.

I defaulted with Advance America, twice actually. Both times they let me pay a little every payday. Contact them, it's worth it. Explain you can't pay. They don't want to take you to court; it's too much trouble. Make a reasonable arrangement with them. You will feel better. Good Luck.