Hi, thanks for all the great info here. I live in Oregon and wrote a letter to AdvanceMeToday telliing them they are unlicensed in Oregon and violating my state's payday lending staute. Here is their response: == Thank you for contacting us. Please be aware that this is a St. Vincent company, St Vincent and the United States are both parties to the General Agreement on Trade in Services, a treaty which specifically permits companies in one country to make consumer loans to citizens of the other. Under the treaty, we are only obligated to follow the federal laws of the United States.

I have a loan with CashCall ($5000) and reside in Ohio. I have read several posts on here regarding this company, but most of them seem to have to do with the loan originator Western Sky transferring loans to CashCall. [FONT=Palatino Linotype][/FONT] When I checked my documents, it lists the lender as First Bank of Delaware. I believe this may mean that the loan is legitimate. To date I have paid over $9600 in principal & interest (59.95% APR).

I have posted before and have always found that most of the advice I've received to be helpful. My husband and I both had extremely high credit scores 6 years ago, 830 and 780 respectively. Four years ago our financial situation deteriorated and we lost about 40% of our income. We tried making ends meet for a year, borrowing Peter to Paul with our credit cards when we ended up in a mountain of debt that we could no longer afford to pay the minimums on. We even got behind on our mortgage which was the first time that had happened in 13 years of being homeowners.

I have read where Internet payday loans are illegal in Maine, but I just want to clarify some information before proceeding. I was going to look into consolidating them, but I think this forum has convinced me I can do it on my own. 1. Can they attempt to garnish my wages? 2. If I have had multiple loans with the same company in the past, do I add up the total of all the loans? I think there is only one loan that I have not covered the base of - so, for $800, I have paid $260. But, I have paid them off a few times in the past. 3.

hello, I registered but it seems to be taking too long to get my registration info at my email. So I want to ask this question now. Nearly 10 days ago I received a confidential envelope from the payroll and benefits department here where I work. It was a copy of the Writ Garnishment Summons that my employer has to fill out, verifying that I am an employee and what my pay dates are. They also verified that my wages are subjected to an existing court ordered assignment payment of support (this is not back payment, this is for for current child support payments.).

I live in Florida. I just learned that in Florida only one payday loan is legal. I have 10. They were all obtained via the internet. Cashline - $450 American Web - $600 Eastside Lenders - $750 Dollar Premier - $500 One Click Cash - $300 Ameriloan - $300 Extra Funds - $300 Hydra Fund-$300 Rockford - $300 Cash Jar - $575 I have paid a lot of very high interest. How do I get rid of these? I want to pay what I was loaned, but not being ripped. Thank you for your help.

Hi, I had recently received an answer from ya'll regarding my payday lenders. All of them were illegal or unlicensed in my state except for 1 and that was CashNetUSA which is a legal CSO. I emailed them yesterday requesting an EPP and they let me know that they are unable to offer this to me at this time but that I do still have 4 extensions available. Is this correct? Meaning, they can offer this but they do not have to or what? I am confused. I have already closed my checking account at my bank and opened another account.

I live in Pa and I know curently payday loans are illegal in my state. I have two issues. 1st issue is a lady name mrs lawrence called from 585-286-3447 she stated i owed a paydayloan from 2008 stated i will go to jail for 90 days or a year they also called my mother inlaw had her so upset i received nothing in writing now she calling my job what can i do. she is so rude she is calling everyone i know my mother inlaw just got a a new number and they called her. she will not give an address.

Forewarning: my explanation is lengthy! My question and how to deal with this problem is closer to the end of this post. My mother-in-law was contacted yesterday by Alliance Interstate LLC. However, it was not her that that they were interested in, but my father. When she answered the phone she was asked if she was my father, to which she replied in the negative, obviously. Then she kindly informed them that she knows him, but that he doesn't live at her residence. She proceeded to ask who it was that she was talking to and what they needed.

Hey I am a college student, and i don't really know how to handle bill collector. I have had my cell number for about 5 to 6 years now. I have been getting harassed from bill collectors since i changed my phone company to Verizon. The crazy thing is, I don't know the person they keep asking for. I receive about 4-5 calls a day with bill collectors including the First National Collection Bureau, asking for a guy name Matthew Randal. I am constantly telling them I am not Matthew and i tell them i don't know Matthew but they continue to call.