Is Payment Direct legal in Ohio? I've borrowed $400 and paid back $378 so far. Thanks.

For some reason I keep getting error saying my account doesn't exist, yet I can post this. I can't edit any of my posts or my account details.. Any mods around that can see what's up?

I tried to pay off an old debit with the collections agency was a small debit with verizion wireless that I couldn't pay when I lost my job. It's been 2 months now and Verizion is still reporting it on my credit report as [KD] in red (what ever that means) . The collection agency gave me the whole BS line about how by law they have to tell Verizion with in 30 ect..ect..ect I wanted to start working on my getting my credit report in order and paid them over the phone against my better judgment. It seems my better judgement was correct and I should of forced them to do it by mail.

I live in Ohio and I have a taken 2 payday loans out online with Plain Green Loans 1st loan was for 600, I made a payment of 108.79, another 108.79 payment and then a final payment of 580.39. 2nd loan was for 800, I haven't made a payment yet on this, and I am being told that I maybe able to get out of the loan because Plain Green Loans, don't have an Ohio license and also they don't have a location in Ohio, which the law in Ohio is: SHORT-TERM LENDER LAW (2008) (PAYDAY LENDING LAW) ORC 1321.35 LIMITS PAYDAY LOANS TO 28% ANNUAL PERCENTAGE RATE, PROHIBITS UNFAIR DEBT COLLECTION AND

I first wanted to say thank you for your advice on how to get out of pay day loan debt. I followed your advice, since in MA it looks like all PDL's are illegal. One of the PDL companies replied to me by email and said the loan agreement i entered into with "advantage cash services" is valid and it is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe, and is a soverign nation therefor it is valid under the laws of the Miama tribe of Oaklahoma. then they offered me some sort of settlement, but said would only be accepted as an ACH.

So here are the email exchange I've had with this guy at VIN CAPITAL: Me: (Oct 3, 2012) Dear Lender, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $200 and have made 3 “renewal” payments of $60 leaving a balance due of $20. I am willing to repay the $20 balance via credit card on 11/1. At this time I am revoking ACH authorization.

What is in collections how much is the payoff balance if I pay it all off?

I've been contacted by a company called Metro that says they bought 2 of my payday loans. They won't tell me their full company name or address just that they are in California. I'm in Texas. They have a "locator" that harrasses my dad, father in law, husbands aunt, my co workers, etc. He keeps saying he's going to serve me papers but he hasn't. They also refuse to validate the debt and say they don't have to. What should I do?

I have property in Oklahoma - and another person having the same name as my wife apparently doesn't pay her bills, and this company filed a lien on my farm. Is that legal? How do I fight this?

I made the mistake of taking out a payday loan from national payday, i had some financial problems and when they tried to take out the entire loan after missing a payment it kicked back because the money was not in the bank account. The account has since been closed and the loan has been transfered to some collections agency. I was contacted by them(or so i thought) a place called unified ps group.