I have been reading the forum and I am a little confused. I have 7 payday loans, 3 store front and 4 internet ones. I will list my loans at the bottom of this message, but I had a few questions that I hope someone can answer. My first question is, do internet companies have to have a license in the borrower's home state, or just in the state where the loan comes from? Also, do the internet pdl companies have to follow the laws of the borrower's home state or just the state they originate in? Another question I have is about two of my store front loans.

Kept getting calls from the following number: 1 866 488 4299 A search just now shows it coming from TrueLogic Financial, Colorado Have NEVER gotten letter(s) from them since either. My search shows two addresses for said company. Am I best to send a DV letter to both addresses found? I have the following: TrueLogic Financial 7100 E Bellview Ave Greenwood Village, Co. 80111-1632 Corp HQ TrueLogic Financial Denver Tech Center 10,000 E Geddes Ave. Ste 100 Englewood, Co. 80112 As mentioned, I've gotten calls, but no letter etc.... So, I have no clue as to whay they need.

I am considering debt settlement and have spoken to a number of places. Has anyone actually done this in the past or going through a program now? I would like to know if you feel debt settlement is a good choice.

I missed a call last night on my cell. The number that came up is just 913. Does anyone know who that is? They did not leave a message and when I call they do not go through. I still have loans through Geneva Roth, CashAdvance.net, Pyacheck Today and One Click. They are not responding to repeated emails ( One Click, Paycheck Today and CashAdvance.net). Geneva "made arrangements" with me but I filed a complaint with the DFI when they called at work)( after a long conversation telling them they could not).

Hi everyone. I know that some of you might have read about me trying to help a friend with her checkngo installment loan. Long story short, she had to default because of the outragious payback amount. When she defaulted, she had paid $908.32 on a 1275.00 loan. Only around $200 of the $900 had been applied to principal.

For those who are currently in the process of trying to rebuild their credit report. Listen, with patience and hard work it will pay off. My equifax credit score was 503, yesterday it went up 35 points so now i am at 538. I did this by disputing inaccurate information, and i also disputed charge off accounts that were paid off, and they were deleted as well. Manily because the collection agencies got their monay and did not respond. I know i have a long way to go with my scores but with patience and time it will eventually get to where i want it to be.

Hello, What are some of the things you guys did to get a refund of overpaid charges from some of these companies? The companies I am currently trying not to deal with are: 500fastcash.com oneclickcash.com impactcash.com cashtransfercenters.com eastsidelenders.com Bottom line, they owe me (according to Washington State Law anyway). I'm not paying them another dime. I really hope they break more laws, especially the Fair Debt Collections Act. I really really hope they break those laws. I'm looking forward to it. Any advice would be greatly appreciated.

So our mortgage was in default (was in payday loan hell wich is what got me there) but we had somebody willing to purchase through a short sale. Bank was on board and everything. It took a while to get all the paperwork submitted for it to proceed. Well, the purchaser has been unable to come up with the financing so far and we just got the final judgement date in the mail. 7 days from today. WHEN we lose the house, will we EVER be able to get another one? If so how long down the road will it be? 3 years? 5 years? 10 years?? We were fine financially until 2 years ago.

Okay, i'm a submariner, my ship is supposed to sink. I guess I should say my ship wouldn't surface! The how and the why isn't important I guess. We probably all have similar reasons why we get into the messes we get into, mine is really no different than everyone else. I blame myself mostly, but I had some help along the way. Ignorance is my biggest enemy. I will say that this is something new to me, having financial difficulties. That fact, plus pride, fear, etc, helped lead me to the mess I'm currently in. Here's my story.

A CA has been calling my son's home and harassing him and his wife about my debts although they have been told several times that they have the wrong number and address and to stop calling. Yesterday one called with a blocked number, he wouldn't give his name or company, but he started using profanity and told him "you broke a$$ ba$tard, pay your F**king bills". I don't know why they are calling my son and his wife, I have never lived there and I have never used his phone. How do I go about filing a lawsuit against this CA?