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Does anyone know the laws for the state of PA?

This company is so shady. I was doing some research about the federal government wanting to regulate payday loans and found your site. Its cool that you help people with payday loans and getting out of the mess they cause. I've really learned alot about how much they can hurt people when they say they're going to help them. I think these Loan Point USA and Geneva Roth companies that keep popping up on your site are the same. How do they get away with this? I did a google search and found out these these two companies are actually the same company.

I have loan with Integrity Advance for $400 in which I have already paid $480 in fees. I just receive a response from the BBB from them informing me that my interpretation of the law is invalid. That I should read my loans documents, that Delaware law governs the loan and the laws in the state of NJ do not regulate the loan. Please can someone tell me if this is true? I was under the impression that payday loans are illegal in NJ so how can Delaware law govern NJ law? Help

I made a complaint with the BBB against Once Click Cash. I explain in my complaint that I am a NJ resident and found out that Payday Loans are illegal over the internet. I indicated that the loan was for $400 and I have already paid back $480 and believe I have paid the loan in full. One Click response was " We recognize this complaint as a resonse to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information.

First I would like to state that the statements that have been made about afni for the most part are incorrect on this website. but before you think that I am defending them I am not(please read the entire post. I will explain some things before offering the help you need. if you like you can skip this paragraph I will explain who I am and how I can help in the next one). The older debts out there are still collectable and still owed. A lot of them were purchased by afni.

I don't usually get upset when I read posts, but I am concerned about the posts that claim that debt consoldation does not adversly affect your credit. It most certainly does and I belive people have the right to know the facts before making a decision on whether or not they should enroll in a program. Both debt consolidation and debt settlement negatively affects your credit. I have many years of banking experience and I can tell you that lenders consider debt consolidation, as almost as negative as bankruptcy.

Need some suggestions on a car loan. My lease is up in a month, who I financed thru ChrylserFinancial...however since signing the lease, 3 years ago, my credit has gone to around 550. Do I stand a chance? I was hoping to look for a used car in the 15k range, with 2k down....Please help??? I did read about Road Loans if anyone has any info on them. Thanks.

Last month I settled a 35k debt with creditors interchange for my fia card services (bank of america) account for approximately 8500. The deal was I can make a initial 5000 payment, and then pay the remaining 3500 in 2 payments, one at the end of September and one at the end of October. I made the initial payment in form of a cashier's check. Today I get a phone call from a different representative telling me that I need to give them 2 post dated checks from my personal checking account.

OK. I had finally gotten everything situated with the PDL, somewhat. I had fraud on my account, actually and had put a hard debit block on my NC account, deposit only. After investigating, these fraudulant charges were returned to me, I waited for everything to clear pending and opened a brand new account at NC. I sent ACH revocations to my approved lenders and am still trying to figure out some of the lenders that I did not ever approve. Needless to say, in the interim...National City transferred the account to First Niagara, because that is the branch it was initially opened in.

I am almost 100% sure they are but I want to be certain before I send them the standard letter and revoke ACH. I've paid $360 toward a $400 loan and they want another payment of $120 + a final payment of $520. I want to pay the principal, but if they are illegal, no more than that. Thanks for any help.