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So, you need a few extra bucks in your pocket. You go online, type “payday loan” or something like it in Google. Next thing you know there are a whole bunch of ads that look pretty much identical. Most even have almost the exact same names? Paydaymax, paydaynow, yourcashyes, hiscashforyou, payday-loan-in-a-minute-but-no-fax.com….really creative stuff. What the heck is this mess? How can anyone figure out who’s who or what’s what. It’s just chaos. So you pick one and apply.

I have recently defaulted on some pdl's I have been drowning in for a while. Can someone tell me if they are legal companies here in the US. I know some of these are illegal offshore companies but I don't know that all of them are and I'm trying to properly handle the legal ones first.

I have been working on my credit card debt for 2 years. I worked with a debt settlement Company for about a year and was not pleased with the way they handled things. I then retained a Bankruptcy Attorney to work with a chapter 13, this did not work out due to the income matrix they used (and a Trustee that was hard to work with; as per my attorney). Well I now need to find an organization to assist in settling this debt issue. any ideas?

Ok I have been sued on a debt that isn't mine. The original account is not on my credit report and there is no record of it. I disputed it with trans-union and the 30 days is up on the 24th. I talked to them the other day and they said the company still hasn't responded yet and I will receive the outcome in the mail. Now if it comes back that they couldn't verify it and it is removed from my credit report, how would that look in court against the debt collector? Also, if I countersue them, should I just go for the small claims limit or should I pursue it further in civil court?

Is it a violation of the Fair Debt Collection Practice Act if a CA: (ie. can I collect a fine if) 1. Files a lawsuit against me with the knowledge that the debt is past the sol. It seems that it would be considered "harrasment" for the CA to file a law suit that they know has no merit. 2. Did not notify me that they were collecting this debt. The CA bought my debt from another CA back in October 07 (according to my credit report) but they never sent me any notification nor did they call me. My first contact with the CA was a summons delivered last week.

I recently took out a payday loan with CTC for $800.00. Due to some life difficulities I have been unable to pay it back. I have read some of your suggestions within this forum about sending them a cease and desist letter and asking them to not contact my work phone but I have not had much luck. They continue to call my work and said that they legally have the right to call me anytime they choose. They told my work that they have no choice but to cooperate or they will be in trouble and will get the courts involved.

Has anyone dealt with Money and More (mandmloans.com or 4moneyandmore.com)? I applied with them on 4/05/2008. I forgot about applying until I checked my online banking on 4/09/2008 and I had $255.00 in my checking account. The due date on the original application was 4/18/2008 for $300.00; however, 4/18/2008 has come and gone. My bank (BofA) posts all ach debits in the morning and posts them at night; however, no ach debit showed up on 4/18/2008.

i recently took out 2 payday loans and now i am having trouble picking up the checks, can i pay out these loans a little at a time monthly since my income has changed

I need some fast advice, me and my husband have 10 PDLs between the both of us. They are all storefront and licensed in Arizona. At 3 of the locations we have loans at the same locations. My husband wants to settle or not pay his loans if he has over paid them. I want to get out of these loans as well but I don't think I can because I work for the bank that I wrote my loans on. If I put a stop payment on my loans I could jeopardize my job. So I advised my husband to do what he has to do with his loans and once he has his under control he can use the extra money to help pay off mine.

OK, I've identified the illegal PDL's in my state, closed my bank account, filed BBB complaints, as well as complaints with Oregon Department of Finance & Insurance (hereafter referred to as ODFI). I have a few questions regarding what to do next. The four remaining illegal internet PDL's I have left are as follows. In my original BBB complaints, I asked to have the account noted as PIF, but to the two companies that have responded, I have responded back with offers to pay the principal amount.