Please try to help me today.

go to your bank and have them put a hard block on ALL debit transactions. Then send the letters. If the pdls know you are revoking ACH, they will suck up all the money in your account. If you have direct deposit, open a new account and have your direct deposit transferred, then close the old one. I sent my letters via fax and e-mail the day after I opened the new account. It worked great. I received a refund and 2 paid-in-fulls.

But your bank needs to know 3 days in advance to stop a debit. They may charge you, but it's worth it not to have the pdls clean your account out.

Do you have a link to the exact location to where the example letters are located here on the site?
Thanks again!

What type of letter are you needing?

A letter to revoke debits can be simple and to the point, just make sure you date it, print it out, and take a copy to your branch manager at your financial institution.

For example:
Date:
Your Name
Your Address, State
Account #

To Who It May Concern:
I hereby revoke any and all authorization I gave Company __________ to debit in any way any account I may have, per the electronic funds transfer act (EFTA), regulation E.

Signed

I am trying to convince my wife that we won't get in trouble with the bank for not paying Americash Advance back on their terms. That people on this site have followed a procedure and that either the company has cancelled out their balances or have accepted payment plans on the principal amounts. She's so nervous. But I have to do this today to stop payment back to them on Tuesday.
What rules do I HAVE TO follow if I started borrowing from Americash Advance before it became illegal in PA and was always done online not a storefront. Are they able to garnish wages at all?

They probably can attempt to place a wage assignment on your wages but that is revocable also. As a consumer, you have the right to revoke a wage assignment and ANY and ALL debits on your account as long as you make payment arrangements with a legal lender. Google the EFTA or regulation E to read about your rights on revoking electronic funds transfers.

By the way, a wage assignment and garnishment are two totally different things. A garnishment can ONLY be achieved by a court order. A wage assignment is something payday lenders place in their contract in fine print, BUT, the federal law says YOU can revoke it at any time.

also in PA they can't garnish for this kind of debt.even with a judgement.tax debt,student loan debt,and child support yes.a pdl no.they can attach your bank account though.

Thanks Paul. Can you explain what you mean by attach your bank acount?

that means the same thing as levy basically.it means whatever account you have and whatever funds are there.go to them until the debt is paid.

Thanks. I read another post where someone that was dealing with Americash Advance sent the letters to them and to the bank and asked to make a payment arrangement with AAdvance and they received a response that this was possible, set up over like 8 or 9 payments. Should I mention in my letter to stop ACH to Americash that I am willing to make different payment arrangements, in the form of money order?