For all of you who are having problems with Geneva Roth as I am I guess now they are disguising themselves as loanpointusa.

Can someone please give me the number to T&C so i can get started on my consolidation.

This post is intended to let everyone know that Richard A. Brennan is a fair and honest attorney, who gave me a refund when I requested it, and apologized for staff problems. I have complained quite a bit on this forum, and my needs have been met. Brennan is a standup guy, who really is in business to help others.

is it better to consolidate and accept a serrlement

Does anyone know the laws in South Carolina regarding internet payday loans?

Ok, so I got bored today and called our Ohio office of Consumer Affairs and talked to George Paree, one of the workers in that office that deals with PDL's. According to him... Any lender that charges MORE than 8% interest on a loan, HAS to be licensed in Ohio. Whether that be a business license, or a banking license, or a small loan lending license..They have to have A license. The fees are no more than 5% of the total loan amount and a $5 loan origination fee...Which on a 200 loan, would be $30 per month, or partial month.

My husband is 68 years old and has been forced to retire due to illness last year. At that time we had a small home business doing insurance inspections for a company in Colorado. Before that he had been forced to retire from a Company that he was with for over 16 years as a Manager. Since 2001 our finances had steadily gone downhill and we were using Credit cards to keep up the expenses. As of August 2005 we have $120,000 in unsecured credit card debt. We were able to file a Chapter 13 and have a payment plan of $875 per month $385.00 for the Auto and the rest was unsecured debt.

I'm looking for the fax numbers for Cash Advance Network and for Paycheck Today. Thanks, Crystal

Looks like my fears were unfounded...things are really starting to fall into place with T&C -- just as you all promised! So far, my payment is at $25/week. That is up from their original quote of $22/week, but not by much. I dropped Quick Payday and GW Financial from my plan last week b/c they zero'd out my balance. However, Cash Advance Now wanted $40/month instead of the $15 that T&C proposed. They have contacted three of my PDLs: Cash Advance Now, Worldwide Cash (accepted $15/month), and ameriloan (agreed to work with them, but don't have a final payment set yet).