Help - I can't pay my Bills
Date: Wed, 08/13/2008 - 18:42
In store Loans
Advance America - $900.00
Ace Cash Express - $1000.00
E-Z Loan - $600.00
Check-N-Go - $590.00
Internet Loan
MyCashNow.com - $590.00
I am paying $1600.00 a month in finance charges. The cycle is killing me. I have to pay rent and utilities and put food on the table. I don't know what the do - I am so scared that next month I won't be able to make my rent. I tried calling a company that consolidates these into one payment, but they said they can only help me with the internet loan. I have a job where I can't be getting debt calls at work and I am afraid if I default that my job will be in jeopardy.
Any advice?
Thanks in advance.
Hiya Dawg Tired and welcome to the forum, I am going to post you
Hiya Dawg Tired and welcome to the forum, I am going to post your pdl laws, however, I prefer someone with more knowledge of Texas laws assist you, I'm not very well versed with the pdl laws of Texas.
Quote:
Texas State Information Legal Status: Legal Citation: 7 Tex. Admin. Code ???? 1.605; Tex. Fin. Code Ann. ???????? 342.251 et seq. and 342.601 et seq. Loan Terms: Maximum Loan Amount: Loan Term: 7-31 days Maximum Finance Rate and Fees: $10 per loan + 48% annual interest Finance Charge for 14-day $100 loan: $12 apr for 14-day $100 loan: 309% Debt Limits: Maximum Number of Outstanding Loans at One Time: Not Specified ($500 aggregate loans outstanding to all licensees) Rollovers Permitted: None (if renewal charge is less than maximum interest rate permitted; otherwise convert to declining balance installment note) Cooling-off Period: Repayment Plan: Collection Limits: Collection Fees: Not Specified Criminal Action: Not Specified Where to Complain, Get Information: Regulator: Texas Office of Consumer Credit Commissioner Address: 2601 N. Lamar Blvd. Austin TX 78705 Phone: (512) 936-7600 Fax: (512) 936-7610 Regulatory Contact: , |
All the storefronts are legal CSO's (Credit Service Organization
All the storefronts are legal CSO's (Credit Service Organizations). You will need to make arrangements to pay them off.
Mycashnow is not a CSO or a legally licensed pdl in Texas. If you've already paid back in fees what you borrowed then you should request that they mark you paid in full.
Laura Hess Kennedy & Associates, Consumer Law Center
To whom it may concern: Please be advised that on Febuary 01, 2008, I Harold DeJesus, the client #22001856 and wife, Sandra DeJesus, the c/o applicant became victims of a fruadulent activities by laura hess kennedy & associates, consumer law center. They function was to make settlements with the creditor's.For one year They had made no settlements
with the creditor's. On October 24, 2008, they when out of business. 91,000 peoples were effedted by this action.My credit report is "DAMAGE" All four of my credit cards are charge
off as bad debt. The credit cards bills total to over $6000.00
I am living on a fix income. All four of mine and my wife's account are in collection or law firm because of this fraudulent
activiites by laura hess kennedy & associates, consumer law center located at 210 n. drive coral springs florida 33071 ph#1-877-556-3328. If you can be of any assistance to me and my wife, in this matter please let us know! Thank You.
[email]HDEJESUS58@aol.com[/email]
