866-354-0567 - is this number belongs to Checksmart?

ba -

Welcome to the site! Can you give us a little more information on your loans, so we can offer you some advice?

If you can, post the following:

-name of the lenders
-how much you borrowed
-how much you have paid so far
-what state you live in
-whether these are internet or storefront lenders

This info will help us provide accurate info for you, so you can go to work on getting these paid off, or marked paid in full based on what you've already paid.

These people are storefront and the amount is $150 with penalties its $197 and its called checksmart

Yacoub--

Checksmart is a hard company to deal with b/c they won't accept payment arrangements or anything. How long have you been in default with this company? I'm going through the same situation myself with their corporate office. Usually it is a civil matter, but a bankruptcy attorney had just told me not too long ago that if a storefront can prove criminal intent such as putting a stop payment on the check or closing your account, then they could pursue criminal charges for "passing a bad check."

i would check your state laws and make sure they are following the law. just because they are a storefront doesnt mean they arent breaking the law

This sounds like an ipdl, am I correct? That is just a threat they are giving you just to try and get you to pay up. Don't worry about that threat, it won't happen. But if it is a storefront, they can and will take you to civil court if some type of arrangement isn't made. Majority of storefronts in OH do follow the laws. And if they are saying they can charge you with a crime, they aren't making an illegal threat, in OH under certain circumstances you can have charges filed against you for defaulting on a storefront pdl if certain conditions exist. Internet pdls can not do anything because they aren't licensed. The only licensed internet pdl in OH is CashNetUSA.

yacoub - are you the same as the original poster - ba1442? Steelers - I don't see a reference to the name "checksmart" being licensed on the Ohio state website - have you searched on them? You would know more about those laws and who is licensed there. Have you heard of this company, either storefront or IPDL?

Yes, Checksmart is a licensed storefront in OH.

Aha! Thanks, Steelers - I must not have seen them or overlooked them somehow. :oops:

Checksmart is the dba for Buckeye Check Casing, their license was renewed 11/17/06.

Checksmart and Express Payroll Advance are dba's for Buckeye Check Cashing and they are licensed in OH. The # for their corporate office for collections that handles both stores is (866)354-0567.

If they are threating you on the phone, record it. i would and have done that. Just check the recording laws in your state. Also check your laws, steelers, suebeehoney or finsfan can correct me if i am wrong, but some state laws mandate they take payment arrangements after so many rollovers or something like that. I am not to well versed int eh payment arangement area. Just be armed with good knowledge and contact them to try to make payment arangements.

You are right. OH has the payment arrangement in the pdl law. But no roll overs allowed, it must be paid off by the next paycheck.

So does that mean that Checksmart will take payment arrangements or they wont?

Most more than likely they will tell you that they will not take payment arrangements. It just depends on who you might talk to when you call the corporate office. If you ask Checksmart themselves about payment arrangements, they will probably refer you to their corporate office. Their # is (866)354-0567. Their corporate office is very hard to deal with. I'm dealing with them myself and they will tell you they want payment in full b/c these collectors work off of commission and the more money they collect, the bigger their paycheck will be.

Well I called the Division of Financial Institutions and she told me to pay them what I could. She said they will give me a hard time about it but they wont turn down my money because that's what they want.

Good Luck and let us know what happens :D

I will. The woman I spoke with said to tell them I would file a complaint against them if they don't take payment arrangements because she said there is nothing in the PDL laws that says they can't take payment arrangements. They just don't want to.

Guest--

I'm friends with one of the girls that work at a Checksmart and she told me that their corporate office doesn't like to take payment arrangements b/c it makes the debt harder to collect on once they accept a portion of the debt. She told me at her store, she would accept payments as long as it was 1/3 of the total amount due.

I just wanted to share that with you b/c I know the corporate office will tell you they don't accept payments.

I've dealt with Checksmart before and, in fact, was just a week late as of today. Here's the problem. We contacted the store and told them we would be late and would be in today to pay it, but they do NOT contact corporate. They called me today, I answered, they said nothing so I called them and explained to them what happened and told them that the money rolled through my account this morning and is in the process of getting to them. Nothing but nice and friendly towards me. So, my advice to anyone having problems is to call them.

I'm dealing with thm as well. Right after I took out the loan with them I lost my job, and have had a really hard time getting a new one. I have not gotten the phone calls from them as the phone I have I had to give back to the company I worked for. The account was closed by te bank, and so I never got the notice that the check they had never cleared. At any rate that guy I just talked to is a jerk, I tried to explain this to him and he swore at me and then all out yelled at me, told me he was taking this to the courts today and that I would have to tell it to the judge and I would not even get to say anything to them about. I asked for his Supervisor and he refused to tell me who that was and told me he did not have one. He owned the place, and had no one to answer to. I never once yelled back at him or anything, I told him before he went off on me that I would have money in 2 weeks I start a new job and I have to get paid first before I can pay him anything. I asked him if I was suppose to call him back when I had the money or what and he said that if I called back all he would do is hang up on me, so how a I suppose to take care of it? Lord knows I need help with this. Oh and they put all phone numbrs but mine on this check so they are calling everyone but me and telling me I wrote the numbers on the check and I never did, the store did and I had nothing to do with the fact they put the wrong phone numbers on it.

I have been receiving calls from this number. I have never been to checksmart. It is automated and I do not owe anyone. Any ideas?

i believe you can make a payment thru westerunion. the city code is redflagohio i would double check before you do that and then send as much as possible

Yes, Checksmart is an Ohio licensed company. They legitimately make payday loans and charge a larger fee because there is a percentage of borrowers that have no intention of keeping their word or having enough money in the bank to honor the check that is to be cashed on their next payday. Wouldn't you be a little angry if you loaned money to someone and couldn't find them to collect it? Hint: Borrow what you can afford to repay. Second Hint: Keep your word!