I live in Utah and I have a Pay Day Loan out with Zip19 for $719 due Friday. I don't have the money to pay it but they have refused to work with me on a payment plan. I know they are an illegal lender so I was thinking of closing my account ans writing them a letter as outlined in the post dealing with illegal lenders. However, I have direct deposit for my husband's paycheck and auto deduct for a couple legit bills. How do I deal with this situation? Is there any other way to stop them from taking the money out or forcing them to work with me other than closing my account completely?

Okay, I live in Ohio. I am working with a lawyer to file BK Chapter 7 hopefully. I will have the fees paid in the next week. Does anyone know how to explain BK to me in the how to guide for Dummies? I am alittle slow in process and having a hard time figuring out what I will be going tho My husband and I live in the state and got married in 08. He is filing on his stuff except house and ATV. He has about 35K unsecure and he makes last year 32k. I have bills before we got married and during. around 32k plus a Car that is 19k. I am filing on unsecure and not the car.

I had taken out a loan with them. When i contacted them about the outrageous interest rates, they stated to me that they are offshore (West indies), and that any state laws do not apply to them? Is this true?

It's unreal how fast these bots can post spam, as soon as you delete one there are 20 more!

I'm learning a lot here and thank you all! I am also trying to help out a friend and would like to know which way to go with their issue. Should you go with the validation of debt letter or seeing that the JDB bought the debt in 2005 . . . should you forget the validation of debt and just tell them it is past the sol? The JDB is RJM Acquisitions.

I received a call from 203-409-3442 calling herself Ms Johnson. She said that I took out a payday loan from this company in 2006. When asked for any kind of documentation she said that she did not have it but that she represented an attorney that would be garnishing my wages. I told her that I would be more than happy to pay any debt if any verification that I agreed to this loan could be provided. How can I contact these people and see any legal promise or is this really a scam?

I got a call from ASSET, Legacy Hospital turned over a thousand or so dollar debt. I am not a worker, and my husband in construction, has not worked for a year. I have been sending in $10. monthly they want more, faster. He just this past Monday got called to a job that promises good employment and benefits. The agent wanted to know where he worked and details. I refused to tell him where the job site was. I told him they don't need that information, and he explained he just was trying to help me avoid a negative credit report.

I had an outstanding loan with VIP with a balance of $120 on a $300 loan. I emailed a letter similar to what I found here and receive the response that unless I paid $390 I would be sent to collections. I replied to that email as seen below and received an email within minutes stating they would accept the balance due of $120 and would then send me a PIF statement. I want to thank everyone on this site. Not only do you have valuable information which I used in the letter below, you made me feel not so crazy!!! Thank you for your response.

I owe about 26K and past due about 150 days. The offer I have is 39% I offered 30% they refused and now they say it will go another office may be in house or be charged of and go for possibly collections etc. If they sue can I use the arbitrations? Will they come down to 30%? Please help.

I got myself into trouble needing some urgent money to take care of a crisis situation... now the fee's are eatig me alive & I cannot seem to do anything but extend loans & pay fee's, leaving zero paycheck! Help me please? any payday loan consolidation company able to help me? Americacashadvance Owe $1560.00 Cashnetusa Owe $880.00 Paydaymax Owe $600.00