Hello, I am in the state of Washington and was wondering if someone can pass down the payday loan laws that abide in this state? I have checked the usury list and such and Washington state does not appear to be on there...so are payday loans completely legal here in this state? I would like to know my rights and how I can fight against these payday loan companies (both online and in-person ones). Any help would be appreciated in finding this info. Thanks!

I feel so much better. I contacted t & c and they are a god send..goodbye payday loan debt..never no more..thanks everybody!!

Just an update! You guys I only have 4000 points to go to reach my goal for aidan....I cant thank you enough and thanks for any contribution you can give :wink:

I got a call yesterday from a collection agency called Allied Acceptance. I spoke to a gentleman (Keith) This was for an old hospital bill supposedly paid by workers comp. When I asked about that he said that he could do an investigation. Then I asked for the day of the supposed bill and it was over 5 years old. Ha- so I pulled the old "isn't this over the statutes of limitations time limit"? Guess what happened next.......oh come on guess???? THE BILL IS NO LONGER VALID, GONE! YEAH SOL.

hey guys again i want to say thanks to all have helped me so far! for those who dont know i was put in a terrible spot with my payday loans and they caused me over 1200.00 in od fees and cleared out my account :cry: but you guys donated points to give me half of what i need for my babys surgery!!! angels every one of you! i have to redeem my points at the end of the day so i can get what left i need before his surgery a week and a half from now.....anyone who can spare any points for donation would be greatly appreciated by me and aidan!!!!

Can anyone tell me if this also applies to the online payday loans? If so, I have a few lenders that are in violation. TENNESSEE Tenn. Code Ann. § 45-17-101 et seq. Tenn. Comp. R. & Regs. § 0180-28-.01 (relating to federal disclosures) Applicability: To a person who holds a check for a period of time prior to presentment for deposit. Otherwise, industrial loan and thrift companies act applies. Tenn. Code Ann. § 45-5-401 (18% on loans up to $100; 24% on loans of $100 or more ). Licensing requirements: Department of Financial Institutions enforces.

Is is legal for a credit card company to place on lien on your SSN?

Hey guys, Keep in mind that end of month is crunch time for debt collectors. They have quotas to meet, and this is the time that they will pull out all the stops to get their money. They want their bonus! They will say things like, "You have until 5PM to call me back." (Technically, if you really wanted to press the issue, they really are not supposed to deadline you unless they have a clear course of action planned...and they intend to do it. Otherwise, it's a veiled threat.

Help!!!! I saw this on a statement, who are these people?

I received a call this morning from a Matthew in the Legal Department at Cash Today telling me that I am being recommended for legal action against me and if I call him today by 4pm, then he can offer me a discounted settlement. I have sent these guys 4 validation letters and they have yet to respond to me. He then said on the message that he will be getting my company involved and they will be named in the legal action for garnishment of my wages. First of all, I live in Texas and they can't garnish my wages. To get on the phone with this guy and argue with him is pointless.