I'm from Texas and have a payday loan with QC Financial Services Of Texas, Inc. dba Quik Cash original loan for 700.00. I have had this loan for 5 months paid every two weeks around 135.00 interest only. I recently closed my bank account because I can't get a head. I have paid this company about 2,000.00 all together. The State Of Texas Canceled this companys license in 2005. If the lender is not licensed does it void the contract? Is there a Federal Law that states lenders can export rates from other States to Texas and charge what ever rate they wish?

do you do debt consolidation on secured loans?

I have about 6 internet payday loans and 1 store front - the store front is working with me on my terms. 2 of the internet so far are really giving me trouble. I have 1 with Arrowhead $200.00 - paid $475.00 and Westbury Ventures still keeps calling me wanting more money - what can I tell them or send them - from what I have read - I think I way overpaid them.

Will bankrupcy somehow interfear with my health insurance?

i have 4 payday loans and i\'m getting killed with the interest payments :cry:

O.k. - I have been in communication with OneClickCash. I originally took out a $300 loan with them in January. Since then I have paid back $270 just in the rollover/finance fees. I wrote them a letter of settlement telling them the laws of my State and that I would be willing to settle with them for $120 which would make the total paid back to them $390. I have been emailing back and forth to them and this was there latest answer: I take it in the sense that once they receive the $120 my account will be closed, paid in full - but I don't know.

Has anyone heard of a company called Moguel Finance and what are your experiences with them? Thanks!

I have emailed and faxed this place repeatedly, stating the laws, and that I need to make payments to them for their principle and LEGAL interest. This guy from there keeps calling my house every day stating that he has no access to email or postal services and he will continue calling. I got a call from my payroll department today saying that he called to verify my information and that he has a voluntary wage assignment that they would like to enact. My hr department said they are not even going to call him back and see if he calls again, which I know he will. I have a headache now.

I have a debt that was with Household Bank, which was sold to Atlantic Credit & Finance. We had a deal worked with Household to pay it off with income $ in March, but they sold it before we got the money. Now, we've been dealing with John P. Frye who is now wanting full amount of debt, whereas Household cut us a deal that would've paid it off. We are to start paying John P Frye tomorrow, but I'm not feeling very good about this law firm. Feel like I might be getting ripped off. Anyone know anything about them. Thanks in advance.

Is it illegal for a PDL to require you to make payments using Western Union or MoneyGram and that they should be able to accept money orders instead?