Check n Go dilemma

Check n go is a legal lender. If they don???t want to negotiate with you, then you will have to pay the full amounts( that means principal and interest).

Check n Go is registered and licensed as a CSO/CAB in most states that they operate in. If you are still current with the payments, call their local office and ask for the EPP. Chances are they will play hard ball and deny that they are capable of doing any such thing. If it so happens, call their corporate office and ask. They have more flexibility than their local counterparts.

They will negotiate.

If you can't afford the payments, close your account, revoke ACH and tell them you're doing so to force the account to collections. When their collections people call, try to negotiate a settlement. If they won't work with you, contact their corporate offices. If they still won't work for you, wait for it to be sent to an outside collections agency and settle with them.

I agree with Ohiogal... there is nothing wrong with forcing it to collections. I don't know why it's demonized on the site here. These are PDLs that don't even report to your credit.