running out of hope...any help would be appreciated!

i do not have experience with these lenders or your state but please hang tight. someone will be around to help you. never, ever give up hope - this board has helped me and contiues to help me (which is why I'm still here, a year after my payday troubles were fixed)

I've been on here since March 16th. Like you I had many loans 11 to be exact. I've gotten a lot of good information from people who have been in my shoes or are currently in the same predicament. They will tell you the first thing you need to do is close your account or put a hard block on it to stop any ACH withdrawals.

You must then send a letter to each of the lenders revoking any wage assignment agreement you may have signed and give a copy to your payroll department. Wage assignments are not garnishments and can be legally revoked by the signer at anytime.

You need to find out which loans are legal and illegal in your state. The storefront ones usually are. I see that you have one with CashNetUSA which is legal in most states. You will have to make payment arrangements with them. The illegal ones if you have overpaid them you may request a refund.
The other ones that you still owe, you are only required to pay what you borrowed. If you already paid that then you owe them nothing.

To avoid harassing phone calls you may want to send C&D letters. This will stop the calls to your home or workplace if they have the number. They can only communicate with you via email & mail.

Hi there, I am in Idaho also. A few of yours aren't legal, right off the top of my head that would be: One Click Cash and United Cash Loans, those are the two I am certain aren't licensed to lend to Idaho residents. CLICK HERE to find out how to deal with illegal lenders. CLICK HERE to view your payday lender laws. Unfortunately, Idaho has little to no consumer protection for payday loans. I would advise you to take care of the legal ones first. In other words, make payment arrangements with them, as them if they have an extended payment plan in place. Unfortunately, you will need to close out your current account and open a new one, do not give your new info out to ANY lenders, offer to make payments with money orders via USPS. I know that CashNetUSA and payday one are legal lenders, I am not sure about the other ones but will need to check.

It looks like Cash Central is licensed, so you will need to make payment arrangements with them also. I am not finding a license for Cash Star Group.

Idaho requires Internet based pdl's to be licensed by your state.

thank you so much for your help! i have been trying to deal with this all on my own for some time now. i actually started out with storefront loans and when i couldn't afford the interest on those i had to get online ones to keep my head above water. the worst thing is, i had NO idea that the stores would offer a payment plan to get rid of the loan and stop the interest. some of them i had for YEARS!!! one inparticular was a $400 loan, when i figured it out, i've had that loan since 2006 and have paid over $9000 in interest. it makes me sick and sad to know i could have saved myself from this situation so long ago had i any idea. now i'm on that long climb out of the hole day by day trying to take care of everything responsibly. just so overwhelming when my job decided to do cutbacks, thank god i still have a job though! i'm going to the bank tomorrow morning and closing my account...again. i switched accounts after this all started but had no idea about the illegal lenders so they have my new account information for payments. my question is they have my debit card, which i cancelled by the way, can they still debit my account if that is no longer valid since they had the number before it was cancelled? i just wanna get out of this mess reasonably and responsibly with some sense of sanity left. thanks again for all your help, i appreciate it so much

Just make sure that after your account has been closed it can't be forced back opened. I would talk to my branch manager about it, I would be honest and let them know you are dealing with some illegal lenders who may attempt to debit your account. Please make sure that you follow the steps in the link I gave you above "how to deal with illegal lenders". You want to make sure that you revoke their rights to debit your account, in writing (via email would work), print it out and show it to your branch manager. This is the EFT law and is perfectly legal. Make sure your account is closed and safe BEFORE you contact the illegal lenders. You could probably tell the legal ones you had no choice but to close your account due to illegal activity, I wouldn't even give the legal lenders your new account number, tell them you have no other way to make payments other than money orders.

thanks for letting me know to secure my account before i contact the illegal lenders. i'm hoping the legal ones will be easy to work with, as they're the ones that are constantly calling me. i got them to stop calling my work and references, but cash central for example will literally call every 2 to 3 minutes and they hang up as soon as i answer, then send me nasty emails saying they're efforts to contact me have gone ignored. i'm feeling better knowing that some of these are illegal and that for the most part i've paid what i owe them. unfortunately, the larger ones i owe on happen to be the legal ones, and they haven't been touched for a couple of months. i'll get on those tomorrow morning and get some sort of payment arrangements set up that are hopefully reasonable for what i can afford right now. i'm so glad i found this site, it's been a true blessing and you're all so helpful. its comforting to know i'm not alone.

I really hope it all works out in your favor. Just tell Cash Central that your employer doesn't allow you to receive personal phone calls. I wish you good luck, please keep us posted!

any suggestions for how an email to the illegal lenders revoking their right to debit my account should be worded? i'm usually pretty good with words, but i want to make sure i do things appropriately and handle the situation well. i dont want to say anything that could come back to haunt me or word it incorrectly and have it blow up. thanks for any suggestions

http://www.debtconsolidationcare.com/letters/

i looked at all the letter templates and do not see one that works for telling them not to debit my account. which one should i use?

Go close the acct. asap. Some one will show you the letter. I dont remember where it is here but will look for you.

I think this is the one you need to start.....

closing the account tomorrow. i'm just worried about them having my debit card number being attached to that account. i have cancelled the card, but dont know if they can still pull money if the card is invalid. they dont have my checking account number but my visa debit card instead. is there anything in particular that i need to do since most the time its' talking about ACH withdrawls not debit cards

TURN THE CARD IN and get a new one. If the card is invaild I dont think they can use it....

In my case , my bank wont let them in because I closed the acct. You might have to have them blocked. Talk to your bank or ask one of the pros here.

sent the emails to United Cash & One Click stating that i was revoking their right to debit my account, since the EFT act says it must be done in writing at least 3 days preceding the transaction. i'm sure i'll get some nasty responses, but gotta take the bad with the good in handling these situations. feeling a bit of the weight on my shoulders slowly start to disappear.

I called two of mine and they worked out easy payments for me. The people I talked to were really nice about it on the two. The third one gave me a problem until I sent that letter to them. Then they agreed on a payment plan. I guess the main reason being they were ILLEGAL.......but it all worked out.

i also set up payment plans with these companies, when i thought they were legal. now that i have found that they are illegally lending in my state, and i've already paid back the principal and then some in most cases, i need to something about it and put an end to them taking money they shouldn't be. this site has been great so glad it's available and that everyone has been very helpful

As far as most that i read here, if they are illegal and you paid at least the amount you borrowed, then you dont owe them any more....

been at this since 8am, trying to get a good idea about what lies ahead for me. these loans have been in default since january and i've made payments on some of them, but with company cutbacks at work and a very cold idaho winter, those bills took first priority and i haven't been able to afford any payment plans. here's to hoping i can get one step ahead now instead of 2 steps back!

I admit this forum is VERY helpful and informative, but one thing about your plight seems clear to me. You are wasting more time and money paying off anything at this point, "legal" or illegal pdl. Admittedly, I was in a WORSE situation than you (15 pdl's, 6 credit cards, many out of pocket medical debts, etc.) which led me to filing bankruptcy. Don't get me wrong, I didn't want to persue a bankruptcy, but if I hadn't, I -- and more importantly, my family -- would have been swallowed whole by all these debts. If a person only has ONE of a FEW pdl's then the suggestions and tactics of this website will probably work fine for recovering, but I think it sound's like bankruptcy is the only way out for you. I'm assuming you have credit card and other debt as well. Bankruptcy doesn't seem to mentioned much on this website (and there might be other reasons for this), but sometimes, it's the ONLY true way out in order to stay the course, keep providing for your family, regain control of your finances and have a fresh start in managing your money better.

There is actually a whole forum dedicated to bankruptcy.

The problem with some of the internt PDLs is that they are illegal because they are not in the US. So even if you listed them on your bankruptcy they are not going to stop harrassing you as they are not going to follow the law.

They also are not discharged because they are in another country.

I personally appreciate the response/feedback, Igor. I have actually followed the advice and was able to utilze information from this payday loan forum before and now during my bankruptcy -- because payday lenders as a whole are indeed unbending, inflexible and relentless!! About half of mine were based in UTAH and NEVADA. Cash Transfer Center was in Malta, however. You have me wondering about that one. I will ask my attorney.....

i do have other debts, but i believe in taking the responsibility to pay them off, since i incured these debts on my own free will. i made the classic mistakes a lot of people do in going into debt, and i'm not saying anything bad about bankruptcy or you choosing to file it, i just dont think it's someone else's responsibility to bail me out for my own poor judgements. i'm using this forum to get tips, advice and a bit of support when dealing with this on my own. thanks for your input though, i'm glad you were able to get yourself out of a scary situation, best of luck to you teddy grahamz

sorry that last post was me, forgot i was logged out...oops

i got my checking account taken care of. the bank i work with is great and have been so helpful during all of this. thank god for one good thing. got an email from one of the illegal pdls about an hour after i sent them the notice to revoke ach rights. offering me a chance to keep my borrowing options open, to settle for a lesser amount (5 dollars off what they say i owe them lol). feelin a bit better about things now...except found out i have to pay taxes this year instead of getting a return, always something to knock ya back down

stacylynn118,

Good to hear your seeing some light. Stick with the process and only pay back the borrowed amount. I am paying back some of the fees but no more than that. I know i could fight the fees off but wont. They are in business also and because they were friendly and helpful with the whole situation, I will pay the interest on the initial amount but nothing over that.

Good Luck!!!

Fair enough, Stacy, we all have our reasons in our life choices, and make decisions that we must live with. I'd like to note that my debts weren't all of MY free choice and from actions I made, just legally bound to. State laws vary and many facets may lead one to a bankruptcy, including the adverse spending habits of and lack of commitment and communiation by a spouse. Sometimes, a bankruptcy is the only way truly out. Now that credit card companies can lower a person's credit line without there knowledge, these means of obtaining CREDIT and CASH are becoming more and more unscruptulous (yet remain LEGAL too). All credit card and payday loan compainies make it far to easy to obtain CREDIT and CASH , but make life hell for consumers in general (just my opinions)... I think we all can agree "hindsight is 20/20", but sometimes "you have to do what you have to do" in order to continue being able to support your family...

i'm just curious if anyone knows where i can find a list of internet PDL lenders that are legal or illegal in idaho. i spoke with a rep from cashstar groups collection department and she said they are licensed in idaho, but everything i've ever read about them says they aren't. just wanna make sure on which lenders are certainly illegal and which ones i need to get taken care of. if anyone knows where to find this or can help me figure out the ones that are DEFINITELY illegal in idaho that would be much appreciated. thanks!

http://www.consumerfed.org/pdfs/small_loan_scorecard_08.pdf


you can start here...

http://www.paydayloaninfo.org/lstatus.cfm

Idaho State Information

Legal Status: Legal

Citation:
Idaho Code Ann. ?? 28-46-401 et seq.

Loan Terms:
Maximum Loan Amount: $1000
Loan Term: Not Specified
Maximum Finance Rate and Fees: Not Specified
Finance Charge for 14-day $100 loan:
APR for 14-day $100 loan: No Limit

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified ($1000 aggregate loans outstanding to all licensees)
Rollovers Permitted: Three (renewals)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $20 NSF fee + 12% interest per annum on unpaid amount (if disclosed )
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Idaho Department of Finance
Address: Consumer Credit Section, 700 West State Street, 2nd Floor Boise ID 83702
Phone: (208) 332-8000
Fax: (208) 332-8099
Regulatory Contact: Mike Larsen,, Consumer Finance Bureau Chief
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources:
Consumer Finance FAQ

thanks for that info, but is there anywhere that shows the names of the business and if they are or are not licensed in idaho or which states they hold a license to

I guess if they are legal, they would be listed in your directory some where.

so i logged onto the idaho department of finance and did a license search for my debtors and the only ones i found a license for were payday one and cash central. i can't find cashnet usa on there anywhere. i know a lot of people say they're licensed almost everywhere. anyone know for certain they hold a license in my state? i'm so ready to get all this stuff taken care of. i appreciate all the feedback and help you've all been giving me! this site is amazing and a true blessing

sorry, last post was me...this keeps logging me out :(

I found them in the ID database.

CASH AMERICA NET OF IDAHO LLC CASHNETUSA
ANDREW GEBBIA
312-568-4205
200 W JACKSON BLVD #2400
CHICAGO, IL 60606-6942
RPD-6298 8/18/2006 5/31/2009

thanks nohiogal. after some searching i finally found them as well, but no worries, i've called and taken care of the 3 legal PDLs i had and they've agreed to allow me to make smaller payments through moneyorders. as for the 3 illegal ones, i've received a phonecall from all of them after i sent them the emails stating they were illegal and all that good stuff. funny how i haven't received a single email back from them though. things are looking up for me right now, which is a huge weight off my shoulders for now! thanks to this site and everyone involved with it, i may be seeing that light at the end of the tunnel a lot sooner than i ever thought.

ok...so my only complaint about this site is that it logs me out everytime i go between forums lol the last post was mine again, as a guest.

I am glad things are going well. I am sure you feel much relief.

Huh, I don't get logged unless I am away for a good period of time or I close the window.

I have got myself into a mess!?? I have 12 online payday loans that are all in default.?? I also live in Idaho.?? I was going to through Oakview lawgroup that I came accross using this web site however they want $1050 just to start helping me.?? It seems crazy to me to pay that much when I can possibly do it myself.?? Are payday loans illegal if they are not licensed in Idaho??? I have researched them and I find that 3 are definately licensed in Idaho and I will call and make payment arrangements with them.?? The remaining ones I can not find.?? I will list them and see if anyone knows if they are illegal in Idaho.?? I have read some of the posts and this seems like a great resource!?? Below are the payday loans.
Zip19, Onestepcash, United Cash loans, Ameriloan, Payday Yes, Money and More, Eagle Finance, BIG limited, Payday loan yes.
Any help and advice would be much appreciated!?? I have already closed my bank account so these companies are not taking any money as of now.?? I just need to find out how to deal with the illegal payday loans.?? If anyone has any ideas please let me know!?? Thanks all!

If you did not find them then they are not licensed.
I can tell many of them are illegal, just by the name.
??
Since you ank account is secure you have done the first step.
??
You can go here and read up in the rest of the steps.

hey mbrobinson, you've definitely come to the right place. i was totally lost when i stumbled across this sight, ready to give up every shred of hope, but a week later i feel so much better about everything and have a grasp on the situation i've gotten into. the people here are great, full of advice and tips, plus support. they'll help you with templates for letters to send to your creditors and get a jump on taking care of your situation. best of luck to you and i hope you have some success in getting control of your pdl problems