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State legislators debate payday lending regulations: OHIO — State lawmakers are seeking ways to change the way payday lenders do business in Ohio. One Mount Vernon resident who relies on the short-term loans said she opposes any kind of new regulations that would drive the ever-growing payday loan industry out of the state. Dorothy Pinkerton said she goes to Urgent Cash, a local payday lender, just about every month and borrows about $350. Around the third or fourth of the following month, she pays back about $400, which includes payment for the fees.

This is an article I read this morning on the net (yahoo news), it really is a scary thought to know people have to sell their prized possessions just to get by! This article speaks volumes about the U.S. economy!

is it worth it to actually go through debt consolidation or just make your creditors wait around and keep sending collections to you for a yr or more? i know with the consolidation they have people call the creditors and let them know whats up i just want to stop all the phone calls and not have any legal action taken against me. my total debt is probably about 8000 with online payday loans credit cards hospital bills and one in store loan (not payday.) is it worth it to consolidate or will it look better on my report to pay it all off slowly

How do I check my balance online when I cant reach someone on the phone?

I am an impulsive buyer. I used to be 100x worse than I am now. I had a major shopping addiction. When ever I or my husband got paid I would actually have an adrenalin rush at all of the things I could buy. I have learned that if I just hold some of the things when I walk around the store I will talk myself out of buying it most of the time. Unnecessary things like new shoes, new clothes, .. just silly things I really didn't need at the time. The only problem with this method is that it only works on things for me or for the house. It doesn't apply for things for my kids and spouse.

(Waiting for editorial view)

Eastside Lenders(of Delaware) does not have to follow Oregon law when loaning to me (I'm a resident of Oregon). The Oregon Department of Finance and Insurance has told me twice that this is NOT the case. The person who called me from the Delaware AG's office today said "she'd never heard of such a thing" when referring to have to follow some other state's law when it comes to payday lenders in Delaware, and that "she's been doing this for a very long time". No wonder Eastside Lenders says that they are "prepared to go to arbitration".

:?: I applied for a payday loan through cash net USA. They sent a confirmation e-mail stating that it was sent last night at midnight. My bank (bank of America) still had no record of it at closing today. I desperately need that money by tomorrow. Does anyone know how long it takes. Their reps keep telling me to hold on and if it isn't there by Thursday that they will investigate. I went over all my info with them to make sure it is correct. So what is the hold up?

I applied for a loan through Cashnet USA and was approved. They said they sent the money last night at midnight. All day today my bank (bank of america) said that they have no record of it. The Reps at Cashnet say it can take a while. How long does it really take? Help, I am really worried and impatient.

Does anyone know who this phone number belongs to? The gals name was Shawna and I thought she said "something and Minor" when she left a voice message telling me it was in my best interest to call her. I am sure it is somehow related to a payday loan. All was quite for a long time and now it is starting up again. Do you know that one of the companies sent me an email today that stated - Here are your loan documents - They actually manufactured a new loan with my name at the bottom saying my payment was due 5/2!