I borrowed $300 from MyCashNow, for which they charged me $59.94. I have repaid this in full. I didn't know any better til I joined this forum. As I am in New York, the amount of interest they charged was illegal. Because I paid the loan off, I can borrow from them again. I'm toying with an ethical choice I guess - do I borrow another $100 from them and then refuse to pay it back because the loan is illegal, just to get my money back? I'd even be willing to send them back the $40 difference to square the accounts.

Greetings... i am hoping that you can assist me with this problem. (thanks). I had paid IMR Collections for a pdl in March 2012 . paid settlement of $300.00. I have the settlement in writing and a debit card receipt. a new collection company is now sending me the same debt with a balance of $210.00. The first company IMR is now closed (lynnwood, Washington) Please help ... I live in Florida and the orignal APR was over our states limit (apr 790%) How should I handle the second collector ??

Hey guys, it has been a while since I have been on here. Life kind of took over and now life has hit the skids. So to make a long story short, My family was also hit by the bad economy. We had our debt managed and getting our credit score up there. Then I got laidoff, my wife was laidoff she has been able to find something. I haven't been able to yet. We fell behind on our auto loans, bills, and rent. We moved into a smaller place with a lower rent and lower utility bills.

Hi, I was wondering where the templates for the ACH revocation letter is located. I am unable to find.

I am in a financial mess. I have the following pay day loans out in Texas: Ace express Spot on loans Payday one bottom dollar western sky From what I was reading, all are legal in Texas. I need out of this financial mess. It has cost me a home, and almost my car. I keep reading about a letter, and the one I found quoted alot of laws, and stated it was for illegal PDLs. I just need to know where to start. I want to close my account. If I do that, what are the PDLs remedies? My credit is in the sewer now. Any and all help will be greatly appreciated.

Hi Everyone: I just wanted to share my story with everyone. I was drowning in payday loans (I live in Indiana). The following is what I had borrowed and paid: United Cash Loans: borrowed $650 / paid $1492 (worst one....I know) Ameriloan : borrowed $600 / paid $944 Cash King: borrowed $700 / paid $756 Silver Cloud: borrowed $400 / paid $820 Plain Green : borrowed $ 900/ paid $646.30 Western Sky: borrowed $1500 ($500 processing fee) / paid $68 I was about to go crazy!! I was paying out more than my bi-weekly check to satisfy the fee.

Hello, Is there a way to find out who currently owns your old debt ? It doesn't seem to appear on your credit report, or am I missing something ? Thank You

i have some loans out. I am trying to see if they are legal and real. some of them are taking several payments out of my account. the companies are: gti holdings, payday mobility, and netpDL.

Hello All, I am new to the community and I have questions regarding my situation. I have read through many of the threads and I am very confused as of what I should do. I live in the state of NC and I now know that pay day loans are prohibited. I currently have several pay day loans that I am in a position to pay off in full. When I contacted the companies, the amounts were way more than what the principle balance was which I didnt budget for. I would like to pay them off as soon as possible. I have already closed my bank account and opened a new one that they do not have access to.

Hi, I just got a call from Wooten, Benson and Tate attorneys, asking me to tell them why I refuse to pay Cash Call. I told them I didn't know what they were talking about and I wanted them to send me a letter showing me what I owe. He said he was only calling to get my statement on file and to find out if there was another address I wanted them to serve me papers at, besides my work. Have you heard of this Law firm?? Should I worry? I had three loans total with them, and overall paid them two times the orignal amount of the three loans put together.