Search forum

I should first start by saying that I run a business from my home in which I have a website presence. Quite often I get all kinds of calls (normally 1 or 2 different callers or numbers per week) calling me in which most I find are looking to obtain some outsourcing work from me. With these calls, I just got tired of answering them. I have gotten several calls from CBE Group, Inc based out of Iowa. A few times I have answered it but then no one was there on the other end. For the next few weeks, they kept calling.

If I've paid off a loan but then had to immediately take it out again does this "reset the clock" with illegal payday loan companies? I'm thinking about using / paying PDL assistance but wondering if maybe I can do this myself..... I've seen laws for Texas lenders but having issues deciphering which ones are legal / illegal. I think Cashnet USA is legal in Texas. What about Eastside Lenders, GFS (Global Financial Services they go by gfsil dot com), VCF VC Funding, Inc.866-376-5077) , PDL (PDL Loan Center 1-866-928-5055) , Ameriloan?

I have had real problems with Nationwide Cash out of Claymont, DE. I have over paid them $250.00 and argued with them (because they called me and gave me 48 hours to respond) regarding Indiana law. They said they "DO NOT" abide by Indiana Laws. I've sent the cease and desist letter with my offer of settlement which someone signed for. They said since I'm not willing to work with them they are going to take it to arbitration? What does this consist of and do I need an attorney or my local prosecutor? How do I file a complaint like some have done with the BBB and Attorney General?

I am thinking aobut using PDL assistance.....I have 5 loans. My question is..if I've repayed the loan, then had to take it out again how does that count on "repayment" - that starts clock over since it was a "new loan" even if I payed of (example Cashnet USA because you have to) but then had to get new loan immediately after ? I'm in Texas and don't know which of these are legal / not legal. From reading posts I'm seeing cashnet is legal?

I am having some difficulties with this company. I took a loan with them in Sep. of 07 they charged my checking acct 90.00 twice a month for 3 months. so after 520.00 i could not get them to stop, closed my acct and have not heard anything from them, until last week. Now they say that i owe them 2000.00 or some odd amount but will settle for 400.00. I asked for debt validation on company letterhead, and as well the original contract but got no luck with that.

In February of 2009 I discovered that the 4 PDLs I still was paying were all illegal. I followed the steps on this forum (Thank you, thank you, thank you for this forum). I closed the bank account, I wrote the letters to each illegal company. I contacted the people I should contact. I did get on paid in full from one company. I got a few nasty phone calls from a couple of the companies. This one company I never heard anything from. Until Friday. ACA Recovery Inc. called at work. They told me they would see me in court. I did get a letter from ACA Recovery on Saturday.

whats the difference between verification and validation of a debt? Is there a difference? I sent debt validation letter and got verification sot the letter said..any difference?

Hi everyone! I was receiving phone calls from a few collection agencies a few weeks ago, and then they abruptly stopped calling. I am fearful something bad is going to happen. They have not called for two weeks. Are they going to possibly sue and that is why they stopped calling? Worried in Seattle.

I have a payday loan with payday one on the internet for 500.00. I don't have the money to pay it back. This is my only loan i ever did over the internet. my account was closed due to nsf. Could i get in trouble for not paying this loan at this time.

Hi-- I live in New York and have payday loans from usfastcash, united cash loans, paydaymax, and ezpaydaycash.com. I understand from what I have been reading on this site that payday loans are not legal in NY and that usfastcash and united cash loans are basically illegal everywhere because they aren't licensed. My bank has just closed my checking account (Wamu, which is in the process of becoming Chase). I have a new account but I am of course not going to give the account info to the payday loan lenders.