I have more than paid back theamount borrowed on my payday loans and am now well into fees and interest. I am putting a stop to it by closing my checking account stopping payments, but I have a question about refunds. Although it's nice to think about getting a refund from these guys, what are the realistic expectations on refunds and how would I even go about it? Are there any lawyers out there that handle these kind of cases. I would like to get as much back from these scam artists as possible. By the way I am from NY. Any help would be greatly appreciated. Thanks!

help! I have to file an answer before Oct. 11, 2011. I am not in NJ ...I am staying with friends temporarily (their couch) in CA, unsuccessfully looking for a job. I am homeless. Unemployed for three years. No money. Suffering with depression, anxiety, add. I owe about 20K. stafford, sub and unsub and HESAA. I'm guessing it ballooned to 30K now. no payment since i stopped school in 2009. What to do?

If i am making payments to a CA and they are reporting each month to my credit bureau that i am making payments ontime does this help my credit or will only paying it off help my credit? Second question, If i pay off my credit and its reported as paid, how long will it take to help my score? Thanks

I received a default judgement and made a few payments to the collector. I ended up defaulting on the agreement I arranged and received a Writ of Execution against my bank account and real property. Can someone please explain the steps of this process?

Hi!! I recently have gotten myself back into payday loan trouble. I tried not to get in it again but it happened. I live in Indiana and have loans out with Zip19 $225/ $0 paid, 500fastcash $250/$300 paid interest only of course, GECC $400/$396 paid in interest I believe, SureAdvance $600/159.00 paid in interest, and Ameriloan $400/$0 paid. I am pretty sure none of these are legal. I have been reading these forums for the past week and have finally decided to join and share my story(problem).

Hello, we are in California and my wife has been served with a writ of execution. She is the garnishee. The name of the defendant matches my wife's name, but that's about it. We have never done business with the plantiff, we have never lived at the listed previous known address, and they don't even have her SSN. For SSN, it says unknown. They have obviously targeted us simply because of a name match. I did some researching and this sounds like one of those robo-signing lawsuits. Is this serious? Can they go into our bank accounts without her SSN? Can they damage her credit without her SSN?

Hi Puddle I feel so happy to send you the QOM Contest Winner reward. Here is the snapshot of the payment made to you.. Enjoy your time here :) Jason

I would like to know if these lenders are legal in Pa (under some loophole)? How many years back can you go in terms of requesting a refund from payday loans for interest paid? Anyone actually received any refunds? Is a hard debit block enough to stop their ability to ACH my acct? JHS marketing DJR group Greenday loans Sign my loan.net Loan shop Classic group National loan service 500fastcash Cashnow

Do you have a template for dealing with company since they claim immunity because they are owned by Soverign Indian Nation.

[INDENT]I need to see if someone can help me with a possible violation by CACH LLC. First, some history: I have an old BOA credit card, still within SOL. CACH has owned this debt since 9/2010. In January of this year the office of Ed Overcash attempted to collect. I sent DV letter CMRRR, and never heard from them. CACH sent another atty after me in May, who did "validate" with copies of statements only, and now is suing. Question is, once Overcash failed to validate, wasn't CACH supposed to request a deletion from the credit reports?