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I am considering debt consolidation. It would lower my monthly bills by a little and would help me out now. Problem is, the interest rate is higher than all of my current debts/loan rates, so in the long run I would be paying more, but soon I will be making significantly more and would probably be able to pay the loan off quicker. It would be about 20k over 4-5 years at 12%, where as I would probably be able to pay it off over 3-4 years. Plus, paying one bill a month is easier to budget and pay, as one of the loans can vary. My current rates for my loans are 11.1%, 7.9%, and 6.9%.

Here is the verbage from the Little Loan Shoppe's contracts....Now I am confused, does this "Governing Law" clause cover them even if they are not licensed in my state??

i am behind on my payment and made payment arrangement with PAYDAY LOAN YES i was able to make that one payment but was short on funds for the 2nd payment arrangement. the agent called me and said since i signed up for the loan i also involved my company. he was insisting on getting transferred to my manager and i told him that they have nothing to do with my loan. i want to get this done and over with...is there any consolidation company that will help me with this.... thanks!

i send letters to all the payday loans i borrowed from revoking them from trying to take money from my pay check but the letters i send were on regular mail dose that matter?

I tried to email the BBB about a couple of complaints each time I marked a return reciept and I got this response UNTIL I put in attachment form? Any ideas any one? The original message was received at Mon, 5 Jan 2009 14:47:56 -0600 from fw.wispil.esu2.org [205.202.37.98] ----- The following addresses had permanent fatal errors ----- (reason: 550 5.7.1 black listed URL domain unitedcashloans.com by black.uribl.com #762 (l04Elx561871392500)) ----- Transcript of session follows ----- ...

What is a dunning letter?

Hello, I have been working with my credit union on a debt consolidation loan. There is an item for $64.00 from Jefferson Capital listed. I have been unsuccesful in finding any contact info for Jefferson Capital....does anyone have their contact information ?

yea i geuss it wasnt really for help but to the mod/admin who deleted that can i have a response eitherway? just because we are all intellectuals here? and just so this stays here a question. usfastcash takes out weekly in increments of 90 dollars for a 300 dollar loan or 3 weeks ill pay back about 470ish can i get out of paying the 470ish?

I had a credit card call and try to settle a debt with me, I do not have a checking account so they would not work with me to send payments trying to settlethe debt as a result They did send it to a law firm, it is a citibank card out of Sioux Falls SD, I am in Nebraska. I was in a debt consolidation and paid it down from 16,000. I went on some meds and went through a bad time, I did get it down to a little under $3000 before I went through my trying time. HELP

Just wanted to share some info I found... Attached is a list from the Missouri Department of Finance of the Licenced Payday Loan companies in MO. Also here is the verbage from their site: DIFP Home / Missouri Division of Finance / Consumer Credit Companies / Licensed and Regulated Entities / Payday Lenders Payday Lenders (Sections 408.500-408.506 RSMo) Sections 408.500, 408.505, and 408.506 make up the entire law concerning payday loans (a.k.a. "small, small loans") which are loans of $500 or less. Such lenders must be licensed by the Division of Finance.