payday loan mess

What state are you in, and are these storefront or internet payday loans?

I am located in Minnesota and these were over the internet

If your payday loans are from an Internet lender, they will not report to the credit bureaus. Most of them are not even licensed.

Who are you dealing with, what state are you, and how much have you paid on the original loan so far? Maybe we can help you with some advice on getting these paid off or marked paid in full if you have overpaid already.

Sorry, go ahead, Steelers - you were here first! :-)

I have an ipdl that I defaulted on and they sent it to a collection agency, although it could be an in-house collection agency with a different name.

I am dealing with Emerald Marketing and Route 66 and SJM Marketing

So the payday people can sned to collection?

to answer the other's questions, I am dealing with Emerald Marketing and Route 66, have anyone heard of them

Do a google search on this site, and you will get info about these companies.

Thank you I will do that

what is the difference of a storefront loan versus a ipdl?

what is the difference of a storefront loan versus a ipdl?

Storefronts are pdls that are licensed and you actually walk into to take out the loan. IPDL is an internet payday loan taken out over the internet, most are not licensed to lend in the states they issue loans to and do not follow the pdl laws in the states they provide loans in.

so what if you go to a storefront and don't pay is it different?

If you have problems and end up defaulting on a store front payday loan they are more likely to sue and take you to court and try and get judgement. Out of the 15 PDL's I had, one of them was a storefront location and they tried to sue me.

So what happened did you end up paying or going to court and them actually suing you?

Besides all my PDL's I had other major financial problems including credit cards...I ended up filing bankrupt the day before my court date with them...which put an end to that.
Prior to filing bankrupt though, I was paying them through my consolidation program but that wasn't enough for them.

Sorry to hear about that.. I know we all get in a bind but it seems they want to keep on taking. I have thought of filing bankruptcy. I have one ipdl company threating to call my job and inform them i used there computer to committ internet fraud. That scares me a little. I don't want to lose my job. Should I send the a cease and desist letter? My payment is due on the 19th. I am suppose to send Western Union?? Can I get a copy of that letter somewhere?

If you look on the side under the Our Services section, you can click on Books and Click on the one title debt consolidation Sample letters for free (about the third one down). They have samples of several types of letters and there you will find a Cease and Desist template. I think it's title Stop Contact or something like that.