I've been told that a corporate wide layoff is imminent. I am scared.

Is anyone aware of the maximum amount of interest, charges, renewal fees, etc. that a payday loan company can charge per $100 lended in the state of Ohio? Is $30 fee per $100 lended per pay period legal?

Has anyone had an encounter with NEL aka Nationwide Express Loans. I was lied to by someone named "Amy" she said I would get a personal loan I sent her $250 as an "insurance" fee via overnight fedex. I checked the tracking number and never to hear from her again. I only have a fax # 800-934-9245.

I have maxed out my credit cards, (in both my and husbands name) and am sinking further and further trying to make minumum payments, of say, $1500 + a month, thats just cc bills, NOT other regular everyday expenses. What can I do? are these debt consolidation places legit? safe? expensive? One place I called wanted 15% of the total balance due, and where do they expect you to come up with THAT money, if you can't even pay your own bills????? I need some input here, either that or I need to win the lottery. Thanks.

Does anyone have any info about this company? They called and said they had my account from ameriloan. Rachel

On the Texas Department of Banking's website, they have a list of active "Money Services Businesses Licensees" in Texas. I'm not sure how this works in other states, but does this list mean that if a PDL company that loaned to me is not on this list then they may not be licensed to practice in Texas? Or does it just mean that although they can;t have an actual business in Texas, they can set up shop in another state and lend to people here? Confused....

If I am sending in a validation letter regarding a debt I supposedly have, do I send that to the original company or the collection agency? I received something from Palisades Collections regarding an AT&T account that I "owe" $76.81. Because the company is no longer around, since they were purchased by Cingular, I'm trying to figure out who the letter needs to be sent to.

I received a collection letter from them today stating they are collecting for Prism Capital Resources on dvd's we purchased in 2005 in the amount of $47.60. I have one problem, we don't have a dvd player so why would we need dvd's? Your guess is as good as mine. What kind of dispute letter do I use beings this is not our debt for once?

I have notified 3 of my pdl places that i revoked authorization. I wont have the money to send to T and C unless they stop debiting my account. Has anyone had any luck with them stopping the debits by revoking authorization. These pdls are actually in my husbands name, but i did them over the internet. he knew about a couple cause he had to verify stuff over the phone. I dont know what else to do. I am feeling very depressed right now and I cant believe i let myself get into this mess.

Does anyone also know this number? 866-879-2116? Txs