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I am from Oregon and I have five internet loans.
Here is the info:

Think Cash: Borrowed - Borrowed 1750 / Paid 1850
Cash Transfer Centers - Borrowed 1500 / Paid Zero on current loan, but have reloaned with them several times.
Cash Advance Network - Borrowed 400 / Paid 240
PayDay Loan Yes - Borrowed 350 / Paid 210

I have been talking to a woman from Payday Loan Assistance Company (a debt settlement company) who says she can get me a monthly payment of 278 for 18 months to settle all the loans. She mentioned that these companies will most likely work with them because they aren't licensed to loan in Oregon, nor are they following Oregon's laws. My question is, if they aren't licensed to loan in Oregon, couldn't I hold them to Oregon's standards and work with them myself for much less?

Any advice would be greatly appreciated.

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