Or "Prohibited", or whatever. I live in CT and apparently this is the case in my state... these PDLs are prohibited. Does anyone know what that actually means? Obviously they can't be prohibited if I received them... what does this really mean???

I used to have 5 and thanks to a small insurance settlement I was able to pay off 2 in full and pay down 3.

This company named CIR Law Offices sent me a typical collection letter stating i owned a debt and dispute by 30 days or pay. Ha anyone heard of this company? Are they a collection Agency or an attorny office? There website heading on their letter is cirlaw.com thanks!

Hi all. I'm an idiot. I took out a loan with LC4U a month ago, made one payment that was over the minimum, but haven't been able to pay them any more, since. So, I have accumulated massive late fees and interest. Their late fees are 2% of principal balance DAILY! It's pure evil. At this rate, I'll end up paying them $1200 for a $400 loan. Is there any way for me to dispute the interest / late fees as 'userous'or are there laws in my state (Nevada) regulating the amounts of fees for 'long term installment loans'? Also, I asked them for an itemized invoice..

Actually it isn't important at all. I created this thread to be a beggar. Begging for two debt pennies a piece. So, if anyone is at all into the charity mood, send just two debt pennies my way. I am in a 'test the system' mood. I will then tally it up Monday, and give you the results. And then, If you ask for it back in the comment box, I'll send them back, but if you don't mention that, then I'll cash them out. :lol: 95000 members, at two pennies a piece...hmmm.

payday loans need help

I live in CT and here's what I have (all internet): Sagamore Inc: Original Loan $250; pd so far: $300 United Cash Loans: Original Loan: $300; pd so far: $180 Ameriloan: original loan: $300; pd so far: $180 Impact Cash: original loan: $200; pd so far: $60 Premier: orignial loan: $300; pd so far: $180 I know that all of my loans are fairly new, but I want to know what I can do before this goes to far. I already feel as though I am in over my head and I don't know what to do. Any insight would be much appreciated. Thank you! Sara

I'll give the song and dance first. (hey, everyone needs to let it off). I was in college when my father kicked me out. He not only reneged on my student loan. Just for those that don't know, like I had no idea...it means he legally removed his name from the promissory note. Now I've been working since I was 13 just stocking money away. Well I wrote a check to pay for it, the money was not there. Needless to say the joint account bit me in the butt. I maxed out every credit card I had. That eventually led into some trouble. I really screwed everything up. The hard work.

I have received calls from a Mr. Hazel from Paul Kupfrerstein and associates at work and home threating to garnish my wage and take legal action on loans I owe from payday loans. Although I am aware of it, it is nowhere close to what this Mr. Hazel claims. (the amount he claims is 5 times the amount I know that I owe. I am wondering if anyone has any suggestions.

I thought I would share this experience hoping maybe it would encourage others when dealing with a collection agency...... A collection agency was calling me several times a week and I decided I was going to hold them accountable for their actions since I had sent a letter requesting validation of debt which included a cease and desist on phone calls, etc. When I called they told me they were recording and I agreed and stated I was recording the conversation as well.