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FIRST TIME FOR FINANCIAL PROBLEMS. HAS ANYONE USED A DEBT CONSOLIDATION CO. I HAVE TALKED TO A FEW, CHARGE FOR SERVICE 15% :cry:

I'm in California and have the below in a payday loan contract. Moderators, please let me know if this negates state law. Lender and Borrower hereby stipulate and agree that this transaction is made pursuant to the laws of Nevis and that Nevis law shall control the rights, duties, and obligations of the parties hereto without regards to Nevis choice of law provisions. Borrower and Lender further stipulate and agree that any dispute regarding this loan or arising out of or in any way related to this loan transaction shall be instituted solely in court in Nevis.

my biggest debt issues comes from payday advances and student loans will oakview b able to help me in these areas?

I'm just wondering if Mike was back or anyone talked to him? I notice Mike was a recent visitor to my homepage, and a PM I sent him last April is finally out of the "outbox."

Does anyone have any information on this company? Thank you in advance. I received a message from this woman who did not give her name but claimed to represent "The Offices of Elizabeth Whitehurst" like a few days ago on 1/22/2009 @ 2:34 PM (EST) it displayed on the caller id 877-800-8170 (NOT_AVAILABLE). She left a message on my voicemail that my attorney or I needed to return the call today on a "serious matter" but she did not specify on the voicemail what this "serious matter" was.

i was going to post this tomorrow morning,but here goes.two things that shook me this weekend.one my godmother died on FRI.the service is next saturday.they are having her cremated in IA where she resided for the last 8yrs.then the service on saturday at the church where she was married in the city.next my dad is in the hospital.they found quarter size growths on his brain and lungs.they will gama knife the head.they say they got it so he should okay.the lungs are another story.oh the growth was benign in the head.not so with the lungs.i ask for prayers if you could.i will be around during the

Hi, I'm in an extremely bad situation with payday loans, both Internet and storefront. I'm in California. I'm glad to see that I'm not the only one in this situation, but I am still incredibly desperate and don't know what to do.

Can they say they are another company such as diect tv to collect a debt

I had a payday loan with checksmart in ohio that was due 12/15. I was not able to pay it. the loan was for $800, with fees $912.00 all together. In the contract, (because payday loans are done differently now) it stated that if the balance was not paid after 10 days being past due that an additional fee would be charged to the balance, (which it was), and ten of couorse there was the return fee that was charged as well. so the collections dept kept calling me several times a day of course i did not answer because i knew why they were calling and i didnt have the money yet.

I live in the state of Florida and took out a $300 payday loan with Sandpoint Capital on October 3, 2008. I have paid them $450 to date and want to know if I can send them a letter asking for a pif? I feel I have satisfied my debt with them. Can anyone tell me if this is the case based on Florida laws and if I should be entitled to a refund how much? I have already blocked any debits from them as well as their affiliate Clearwater Bay Marketing. Any quick advice is greatly appreciated because the next debit is due to occur this Friday!