First off thank you so much for providing this forum it seems that every one here has a genuine interest in Helping People. I managed to get my self into PDL purgatory. Hey paying off one loan with another seemed like a genius idea at the time. I have used some of the threads in the forum to get me self going in the write direction. Any Ideas on how to proceed or reassurances that this will turn out okay would be welcomed. I have been living off CashNetUsa loans for the past year 25 bucks every 2 week didn't seem so bad.

I currently have a PDL from loan shop online. I live in Iowa and borrowed 500 and have paid over 1200! They have no website, but I emailed them and ask for one to check my account and they responsed with they do not have one. Not sure how I got the loan, just remember it was a phone call I received. Are they legal in Iowa!! Thanks for any help!!

Or a phone number? Thank you for any help!

What is the name of your state (only U.S. law)? New York Hello all. I recently have been trying to return to school and I owe my previous school $6962 and change. Without paying them I am not able to get my transcripts and return to school. I have successfully talked them down to $3,400. After reading several forums and articles advising that I should ask them for a letter from the debt collectors stating the agreement that we have made and amount that we have settled on.

Is there cost to consolidate payday loans? Do you a program for extreme financial economic hardships and circumstances beyond reasonable control?

I'm doing my ACH Revokation emails and I can't find an email for Magnum Cash Advance! They also say on their site "Teletrack - We employ TELETRACK retrieval and reporting. A default on your loan will be reported and your ability to obtain future loans will be compromised." They only mean payday loans right? They can't report on my credit report can they? UGH!

I have 3 accounts being handled by the same collection agency in Louisville, KY. I originally set up a repayment plan in which I agreed to making payments higher than what I can afford because I was told the agency is a pay in full agency and doesn't make payment arrangements. I've made one payment and will continue making monthly payments, but I can't afford what I originally agreed to. Can this agency take me to court if I am sending payments faithfully for less than what was originally agreed to? Any advice?

After searching I found this on another post: they usually extend loans as a credit service organization, which means they wouldn't be required to follow the payday loan laws I have been on hear asking and asking about CSO because I was told that PayDayOne is one. I know they are a subsidiary company of Think Finance. So they do not have to follow payday loan laws. I just sent them an ACH revocation letter because I have overpaid them by more than $1000. So now what do I do? HELP!

what can i do about them because the main office is assholes they want work with you at all so i am going to go into the stores and talk to them

can a collector attorney threaten to take you to jail for a 10 to 12 year debt?