I got an email response one day from a guy named Harlem Walker Indicating that he works for Fast Track Debt Relief Services, and is willing to give me a consolidation loan of 5% for $2000 for 2 years. Is this company a scam or not? If you can email me back your response to dho1667@gmail.com

Since my last question on here there has been a little relief from the my pdl situation.. I am in MA, I filed my revocations, complaints, with AG, FTC, and MA Division of Banks.. In that time, Div of Banks sent cease and desist letters to all the pdls since they are illegal in this state. And I had already overpaid them... US Fastcash is continuing to harass me at work.. Also the AG in MA has a mediator program and I have been working with the mediator handling my case.. He told me that 2 of the 4 pdls have written off my "alleged balances." He is working on the 3rd one..

Please help this company is harassing me. I recently closed my bank account since I have over paid this company…and now I am receiving calls and they are saying that they will be contacting my HR dept. I am a resident of NJ, and my question is, can they truly contact my employer in regards to this? Thank you so much!

hi all...TX resident i have 3 pdls.... the cash store (storefront) 800...190 every two weeks) ACE (installment now at 288 every two weeks) Cash central 400....101.54 every 2 weeks this is killing my abiltiy to pay necc bills... any advice?? TXrewind

They asked me what I planned to do about my loan that is past due. My exact response was: "It has come to my attention that payday lenders must be licensed by the state of NY in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid.

Hi guys, first of all I want to thank everyone here for their help and advice. I posted a few days ago about my situation with multiple PDLs and would like to give an update: I have sent out e-mails to about half of the companies I have dealt with and have yet to get any kind of reply (other than the auto-reply that says they received my e-mail). Below is a copy of the e-mail I sent to United Cash Loans (as well as the other companies). Please let me know if I have done this correctly or if anything else is missing.

I have 2 loans with Speedy Cash/Rapid Cash (AKA SCIL Texas), located in Kansas. I am located in Texas. I'm trying to determine if they are a CSO or a PDL. In my paperwork, it says they are a "Credit Access Business" (CAB) and say something about being registered or licensed in Texas. Has anyone ever heard of this? The total of my loans is $1258.21 (principal and fees). I have paid the "re-finance" fees for these loans every month for the past 12 months, in the amount of 258.21 for a total payment of $3,098.52. Basically, I'm confused about the rules in Texas.

Hello, I need some advice on how to negotiate with payday lenders myself. I do not want to close my bank account, and I do not want to pay a payday consolidation company. I know I owe the principal on these loans, but a couple of them could be illegal, and if so I'd like to find out what I can do and how I should word any letters/communication with them. What I have is the following: Plain Green - $2100 - have made 5 or 6 payments of $129 biweekly. Balance owed is $1989. CashCall - $2525 - have made monthly payments of $294 since March 2012.

I live in NC and defaulted on a payday loan to Paradise Cash Advance. I haven't heard from them in over 6 months. Now there is a collection agency calling saying they are going to sue over a fraudulant check. they say because i gave my routing and account number for this payday loan that because i can't pay it, it is considered a bad check and they are now going to sue me. is this possible and what can i do if it is

Gurstel Chargo is suing me on behalf of the Todd Company ( I believe they own that LLC0, for a debt that suposidly started with US Bank NA. I only got one letter from them. I called to ask them questions about the deabt as it was all news to me. I was told that unless I gave them answers first to their questions they would not talk to me. I did give them my name and their account number. They wanted some very personal information. But as they would not respond to anything I asked, including their bar number. I would give them no info.