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ok still a little confused and i have been reading the site all day lol. HERE GOES!!!

Well I know E-Payday-Loan and Payday-Loan-Yes are illegal in MS where I live I've sent numerous C&d letters to them, to no avail (surprising huh? ha) Well today I received a voice mail on my work number and cell number from someone at the EPL Fraud Dept. He said that my file "appeared" on his desk this morning and I have 4 bounced checks and now my account is frozen. I need to contact him immediately to make monthly payment arrangements or else they will report my social security number to Chexsystems as check fraud so I will "never ever be able to open a bank account again" (his words).

anyone have an address for instantcashusa, got an email saying they are in canada, a native american tribe, and the state of Oregon laws don't apply to them. state of oregon department of finance and sercurities is helping me, and they have a official letter to send to them. so if any one know the real location it would be a big help, plus no where on the contract or website is that stated.

i am enrolled in allegro law debt management program. is there anyway i can get out of it?

Hi. I stay on this website all the time. Yall have been great help to me. This guy named Mark called me from 1-037-680-433 (is a fake #?) and from 646-918-5083. They called my job threating to lock me up tomorrow. This is the info he gave me: 137 Carmen Street Rochester, New York 14606. LLC Law Firm. My manager is pissed off because they have been calling my job none stop. I got called into the office today and was told i had a D-Day for personal calls. Mark says I got a payday loan back in 2008 but I did and all accounts were paid in full.....anybody had this problem

Hi, I just found this forum, and I am in a payday loan trap. I make over 65k a year, and I am just sick over this. My Husband was out of work for surgery, and I used payday loans to get by, what a mistake!!! I have not yet defaluted, but I am about to lose my cars, and other stuff, I cannot keep up, and I called BOFA to see if I could close my account, then deal with these companies one at a time and pay them off, but BOFA said my account will just reopen once the try to do the ACH? What should I do????? I live in Florida. These are all internet payday loans. Here is what I have.

Hi, thank you all for this wonderful site I just found today. I owe about $2300 on five payday advance loans. I am overdrawn at the bank and two companies keep re-submitting the automatic withdrawal request which adds to more fees and debt. Is there anywhere I can turn to a reputable company that can give me ONE loan to pay these off?

I cant' sign up for a bank account - due to the fact that i had a problem with Bank of America, and now Wachovia were I was a co-signer and funds were deducted from an account were the monies were not mine! I ran my credit reports and there are a few charge offs how do I get my credit cleared up!

Hi, I know it's a familiar story on here but I do not know what to do. I owe about $2300 on six payday loans. I am currently overdrawn at the bank and two companies say they are going to keep re-submitting the charges, which just adds up to more service fees and more debt on my end. Does anyone know if there is a reputable company where I can put ALL of these loans into one loan? I do not have good credit, either; credit score of 511 as of today. Please help or direct me to someone who can; I am overwhelmed with stress.

I received a summons and complaint from a law firm representing the OC. This has not yet been filed with the courts, as in Washington State apparently they can serve this to you and you have to answer to the attorneys for the plaintiff. Not sure how the courts would know that you have done so. Anyway, I have spoken to the law firm (mistake, I know), about setting up a payment plan. They want me to sign a stipulation, which I don't want to do. I'd rather get a judgement through the courts then hand them one. So, I'll need to answer.