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Hi, I was laid of from my job last September and at the time had 2 paydayloans out. in total at the time I had borrowed $500. (200 US fast Cash and 300 Payday Max respectively) Then I no longer had a "payday" so I communicated with the respective companies and for the most part they complied. In a fit of desperation, I took out a 3rd Payday loan as I was an independent contractor for my old company for another 2 months (off the books so there was no record of me actually working there).

Hello me and my boyfriend are trying to buy a house...it is the house that he grew up in and now it is being foreclosed on. I have really bad credit 501 and so does he 590 would we be able to get a loan and do you know how i could get some help...this is a really big deal to us because there is so much history there could someone advise me on what to do? THANK YOU!

Aggregate outstanding loans of $500 to all licensees - does this mean noone was suppossed to lend me over 500 that was illegal? Also, I know I'm paying more that 48% interest .... also over 309 % apr. VCF says right on loan documents 800% APR annually? Is this why they are illegal (VCF, Ameriloan, GFS, Eastside, etc???) Loan Specifications as per the link http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Can you sue a PDL if you have already paid your priciple, for the remaining balance in small claims court?

Hello all! This is the best debt forum on the net! You people helped me get out of the payday loan mess and now I would like everyone's 2 cents on something. My ch. 7 was discharged in June of 2003 and I was thinking it would only be on my credit report for 7 years. Seven years is what I thought it was. I was getting all excited thinking that next year in 6/2010 that I would have my ch. 7 completely removed. I just went today an pulled all 3 of my credit reports and it says that my chapter 7 is not due to be removed until JUNE 2013! I know that some of the laws regarding ch.

Ok, so I sent out my letters, but I have been reading some posts on here and other sties and want to make sure my info is correct as to whether these companies are legal to do buiz in FL. Here is the list : Ameriloan B&L Marketing / Pack Management Loan Point USA Loan Shop Centurion United Cash Loans Arrowhead Investments Avantis Financial Total Lending CMG Group I tried to completely close my account at BOA and was told that they couldnt really do that, as there was no fraud involved... I spoke to my branch manager originally who directed me to the Customer Service dept.

I have loans w/ Pay Day Max, Loan Point USA (Geneva Roth), Cash Net USA and Magnum Cash Advance. I am current w/Magnum, and made an arrangement with paydaymax, because they threatened to take me to court and said they filed a grievance against my ss number. I had to close my bank account due to the fees being too much, and I wasn't able to pay bills. Now the bank account is sitting with a negative balance. I'm a single mom with 2 growing boys. I need to get out of this cycle.

I had a loan with an illegal pay day loan company. When I discovered they had no license to operate in my state I had paid them over $900.00 on a $300.00 loan. I wrote them a letter (certified) using the template provided on this site. Now this illegal loan company has turned this debt over to a collection agency. QUESTION: Does the collection agency have to verify that the original debt was legal? I do not know if ACA Recovery Inc. is licensed in Mississippi or not.

I owe a debt to AT&T wireless from 5-6 years ago that they passed on to a collection agency. I just looked at my credi report and the amounts that the CA has listed as me owing seem very high - much more than anything I could have charged up. I called AT&T and spoke to just about everyone and they could no longer produce any record of my debt or my account. I asked hte collection agency to give me a summary of the charges so that I in fact know they are legit but they said that they would try but probably could not.

I have a loan with them and I think they are illegal in Texas?