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I have two storefront PDL's in Ohio. Check n' Go for $300, owe $345 back, and Check Into Cash for $450, owe $517.50 back. With the Issue 5 passing, most of these places will close, so I can't pay back and then re-loan. I also can't afford to just pay back without reloaning. I already did EPP with both place a few months ago. They said you could only do it once a year, but CFSA says they must offer it AT LEAST once a year. Is there a way to invoke EPP again? Any other options I can do? I cannot close my account, and I don't remember the check numbers to do a stop check.

Has anyone heard of Langhorne debt solutions Deb Settlement? I have been talking to them via email since I haven't had a chance to return their call. They seem to be pretty legitimate and helpful with what they have told me. I was just wondering if anyone knew anything more about them.

Ohio will reform payday loans so they can't charge over 28% on loans. I have heard that they will not be able to stay in business....anyone know what will happen with the existing loans we have out? I would be interested to hear from someone who had storefront PDLs and their state passed a law like this. did the PDLs want their money immediately or let you pay over time? I think this law is good to have but not necessarily good for those of us who still have several PDLs to pay off :)

They harass me at work with abusive threats and all they do is scream. How can I stop them? I have filed complaints with all the right agencies. They are collecting for illegal internet payday loan companies.

Does anyone have email address for these companies? The one for ARM on the BBB website is not valid. I contacted the BBB and that is the only one they have for them.

what are the different debt management ways?

I received a call from them, they left a message asking for me to call them back. They didn't say what the debt is for. I know I have old unpaid credit cards, probably last payments made on them was 2004. Should I call them back? What do I say? I'm in Ny if that helps you in answering my question.

I've never been unable to pay my loans but realized that I won't be able to make any of my 3 payday loans coming up. What should I do? I've provided the following information in regards to who I owe and how much. I live i n the State of Hawaii.... Payday One I borrowed $500 / interest is 88.20 / $588.20 due 11/12/08 Discountadvances borrowed 500 / interest is 129.38 / $629.38 due 11 /14/08 CashnetUSA borrowed $500 / interest is 70.60 / $570.60 due 12/1 please HELP!

Does debt settlement affect your credit scores and for how long?

I live in MN and I have 3 pdl's---Cashnet -750 Paydayone --450 usfastcash---455 are these legal