I am furiously reasearching to figure out if internet lenders are bound by payday laws in our states (For me its Florida) or by the state/country that the company is in. I have found that Florida has a $500 cap on loan amounts and a 10%+$5 fee for interest. If the lenders must abide by my states laws, I have paid most of my lenders off several times over. I am trying to find information on whether Florida requires lenders who lend to Floridians also to be licensed in Florida.

I am actually planning to do a debt consolidation with Credit Solutions and it sounds too good to be true. From what they are stating, my debt will be cut in half. I actually do NOT have bad credit but my debt to equity is very high and I just can not handle making 700-800 dollars in payments each month so I decided to consolidate it. I have made payments and I have not missed any. So my current credit score is somewhere around 700 I believe. How does the process work with consolidation? Will my credit score actually be lowered by a lot because of consolidation?

A few weeks ago I went on a rant about UCB. They garnished my state tax return to pay on my medical bills that are part of an accident settlement. They went to collection because OSU hospital refused to accept a letter of protection from my attorney. WELL...I called today, because the amounts that they have showing on my CR don't match up with my bills. They're going to send me an itemized statement. The guy on the phone, ("Mr. McGee" I don't know if it's his real name, but it makes me giggle.

It's 7:15 p.m. Eastern here...I'm in the chat if anyone wants to join me there. :)

I told you guys about Wells Fargo, how they ignored my letters for almost a year now. So I started sending them more heavily. Finally got someone to talk to me, telling me that there was a cease and desist on this account because I asked them for written correspondence only---no phone calls please. so they gave me the number to this guy that is in collections, I wrote him a letter instead, short and to the point but explaining the past year with trying to correspond with them. On a separate peice of paper, I made an offer to pay such and such every month before the 30th of the month.

My uncle just called me and wants me to make this meatloaf that I've made for years...He got all the stuff for it today, and I'm going to put it together tonight when I get home and he's going to put it in the oven tomorrow. I got the recipe is some magazine about 7 years ago, and it's so yummy.

T & c has exceeded my expectations and then some! They just got my payment the other day and I get a call at least once a day making sure I dont have any questions and also called a creditor that seriously was harrassing me and so far...all day and no call. I really have to say thank you to those who referred me to these great people.... :)- khrisangel

I have a loan and would like to pay it off but can not find out phone, email or web site. HELP :(

So today I was off work and I took all the great advice you guys have given. Went to the bank and attempted to put stop payments on payday loan debits because after all, according to regualtion e I have the right to request stop payments on preauthorized drafts, right? Well apparently my credit union doesn't know or either doesn't believe this as they insist that they cannot stop payment on an auto debit and can only do something after the debit has gone through. Have any of you ever heard of anything like this?

Can a pay day company (Cash Inc. - Toronto) call my Human Resources Administrator and tell them that they are going to start a garnishment process against me? My administrator forwarded the message to me. They even asked her to call back and let them know what my company's process is for this - basically what the "protocol" is. Can they call my work place?