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I had 2 loans with Fast Money 911. The first one I WAY overpaid, the second one was about $50 overpaid. I wrote my letter that stated that AL State Law prohibited the rollover of payday internet loans. I requested a refund (don't think I'll get it). I also asked them to mark both loans PIF.

I've gotten some great help from this website. If I sent one of the "template letters" to a company from which I have an internet loan ; all my stuff with them has been done online(illegal in my state and I have overpaid them already by hundreds! of dollars) and they don't want to agree to mark my account paid in full. What then? Will they respond to my request and say No or will they just go straight to filing a civil suit?

Hi I was wondering if Impact Cash is legal in Nebraska for payday loans? I did the search on State of Nebraska site and it says no information is available on that company. I took out a $300.00 loan from them and they are willing to let me make 4 payments of $115.00 each with comes to $460.00. Any ideas any one. You guys have been a ton of help.

What are the next steps to take now that I no longer have a job?

A collection agency is suing me for cc debt. I keep all my records for all my cc's but I can't find the original contract signed by me (opend accnt in 2002) for the one I'm being sued over. I think I remember signing for it electronically or something like that over the internet. Is there any way to find that original contract that I signed.

Hello all, I recently just came across this website and have found a great deal of information. One thing i found is that pdls are illegal in new york state. I currently have a pdl out with mycashnow and previously had some with them as well. On almost all of them i have paid a ridiculous amount of money. I tried searching and found some great info to my question but wanted to ask it here so i could get the right info. I currently have a pdl out with them for $600 and have paid over $700 for the loan in interest. am i obligated to keep paying?

This site started out very helpful and still can be. But I have been unable to get answers or even access my account I set up AFTER I complained because 2 other people started to argue in the middle of my post under username whatevertoday. They took up 2 pages bickering back and forth. The post was locked and then mysteriously unlocked (rush to judgement by moderator maybe?). Then I post a few more questions under other topics and get zero response when before I was getting responses and advice.

I have recently been laid off and do not know where to start with the payday loan companies? I have started talking to a company Payday Loan Assistance but am a bit wary of their tactics. Does anyone know what to do next? I have 7 payday loans and live in CA.

I, unfortunately, am filing for bankruptcy with Persels. One of my debts is to Cash Call (really nasty people). I received the loan in Feb. 2007 and made timely payments until October when I started having financial difficulties. Cash Call let me "refresh" my loan; if I made one payment, they would forgive the late payments and give me two months to make another payment.

it appears we have someone with way too much time on there hands today.if you need help please bump up your thread or topic.this spammer is overwhelming the boards.we can still help,but if you could bump the topic that would so help.thank you all. ps i'm deleting like crazy.must have done about 200.