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Store Front Check n go in IL. 2 months default, now what?

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what can a storefront check n go do to me if the loan has been in default for 2 months. i have sent via cert/ret.rept. a payment plan proposal, do not garnish wages, and have sent a letter to AG. Do they always wait this long for a response, or do you think they are getting ready to attatch me. My checking account is closed.

thanks,




Actually, I do believe that if they are storefront, they are probably licensed to lend in your state, which opens up the possibility of a civil suit against you. You may want to read your loan agreement with them and see how they handle their collections.
Here is your state Payday loan laws for Illinois(just select your state), hope this helps.
http://www.debtconsolidationcare.com/paydayloan/explain-p dls-laws.html
??
I would call this number for more information on your state, they would be able to give you information quick.
what I was stating above about civil is that just because criminal action is prohibited does not necessarily mean that civil isn't, not real sure how IL handles this, you are better off calling the number for more information and getting it straight from the horses mouth. Goodluck, hope this helped.

Sub: #1 posted on Wed, 07/04/2007 - 06:01

fedupinpa fedupinpa

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Your state does allow for a repayment plan. Have you made any payments to them since you sent the letter? I would make them a payment along with sending them another letter stating you would like to make payments to settle the account.. That way even if it does go to court, the judge will be more likely to act in your favor if you have been making them payments. :)

Sub: #2 posted on Wed, 07/04/2007 - 06:37

Sassnlucy Sassnlucy
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hey sassnlucy, i sent you a pm a few days ago.

this is the check n go that their repayment plan was to write 10 post dated checks that i had to stop 4 of them. now it is 2 months in default. I sent them a cert/rr letter with a payemnt plan, do not garnish wages,etc 2 months ago. I havent paid anything on this as for as i donkt now how much or who to, or if i should or not. I did send all this info to my AG, they are looking into it.

thanks,

Sub: #3 posted on Wed, 07/04/2007 - 07:56

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: 185.22)

Send me another pm. I didn't get anything from you. On my post, look under it and you will see "profile" and "pm"
Click the "pm" button and there you can send me a private message. Has Check n Go contacted you about this matter? I think I would send them what I could afford, even if it is $20, along with a certified letter stating that you are making payments to settle the balance.

Sub: #4 posted on Wed, 07/04/2007 - 08:14

Sassnlucy Sassnlucy
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(Posts: 2697 | Credits: 317.14)

Check N Go is licensed. They will take you to civil court, get a judgement, and if need be, with the judgement they will garnish your wages. So revoking any wage garnishment letter won't help, because this company takes people to civil court to get judgements.

Sub: #5 posted on Wed, 07/04/2007 - 08:27

WHEREAMI? WHEREAMI?

(Posts: 5262 | Credits: 731.82)

I thought they could sue under civil law, they may work with you though, have you tried calling them or stopping in the store itself? They no longer exist here in pa, thank god.

Sub: #6 posted on Wed, 07/04/2007 - 10:43

fedupinpa fedupinpa

(Posts: 1511 | Credits: 224.75)

no,im afraid to go in there. i have paid them nothing so for ,and have sent just letters. I have to wait till i hav the money to send it to their main office. i know they will not just forget about me.

Sub: #7 posted on Wed, 07/04/2007 - 10:48

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: 185.22)

Try calling them to set up a payment arrangement if you are afraid to go in person. If you know when you will have the first payment you can let them know when to expect it, and then stick to the repayment plan.

Sub: #8 posted on Wed, 07/04/2007 - 10:50

WHEREAMI? WHEREAMI?

(Posts: 5262 | Credits: 731.82)

I would also see if they would let you mail in payments ala money orders. That might be another way to take care of it.

Sub: #9 posted on Wed, 07/04/2007 - 11:02

kscornell kscornell
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In the end, after much going back and forth, they want your money for the loan. They will eventually allow this. Brownsugar has been through the ringer with them and a few other storefronts and in the end it comes down to, "we want our money", the storefront has a physical address right? They receive mail I imagine daily from the postman? Probably do, mail it in to the storefront directly.

Sub: #10 posted on Wed, 07/04/2007 - 11:27

WHEREAMI? WHEREAMI?

(Posts: 5262 | Credits: 731.82)

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