I have about 6 payday

Hi there Hopemich and welcome to the forum! I'm really not sure about Langhorne since I've never used them, but perhaps there is someone else who can give you some insight. Have you ever thought about dealing with these financial obligations yourself? It takes a lot of work and persistence, but it may be worth it. There's a lot of good information and good people here who would be willing to walk you through it, of course that would be up to you. :)

If you tell us what state you are in, who your lenders are, how much borrowed, how much already paid, i am sure we can help you here. It is a lot cheaper to do it on your own, but it can be done.

Langhorn is lead by a lawyer, so you will have some good representation.

The lawyer used to actually work for the online pdl's . . . . So he knows the ins and outs of things, and knows how to make these places settle. I think you will be fine.

Thanks everyone for your help...i started getting calls today and emails. They are even calling my references telling them i owe money. Payday max even said i was facing legal action. What a mess!!!! I live in Virginia..

Cashback $700 Paid $750
PayDayMax $300 Paid $360
CashAdvanceNetwork $400 Paid $490
Paychecktoday $300 Paid $180
Americashadvance $1000 Paid $1000
Quickest Cash Advance $300 Paid $360

This has been a nightmare. I just haven't figured out how to get them to refund me or file complaints against them if they are not legal. Thanks again for your help...I'm at my wit's end

Virginia State Information

Legal Status: Legal

Citation:
Va. Code Ann. ???? 6.1-444 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 7 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot refinance, renew, or extend)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $25 NSF fee; Court Costs; Reasonable Attorney's Fees (not to exceed $250)
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Virginia Bureau of Financial Institutions
Address: State Corporation Commission, 1300 East Main Street, Suite 800 Post Office Box 640 Richmond VA 23218
Phone: (804) 371-9657
Fax: (804) 371-9416
Regulatory Contact: Susan E. Hancock,, Deputy Commissioner, Consumer Finance

Right off the top of my head, I can tell you that the following are NOT licensed/legal lenders:

CashAdvanceNetwork $400 Paid $490
Paychecktoday $300 Paid $180
Quickest Cash Advance $300 Paid $360

You can file complaints with the Better Business Bureau, the Federal Trade Commission, and your state Attorney General.
(www.bbb.org)
(www.ftc.gov)
And here's the site regarding filing a complaint in your state: (www.scc.virginia.gov/bfi/complain.aspx)

Sorry, this is HopeBranBlake but can't get logged in at the moment. Thanks for your help. I did speak with the Virginia Bureau of Financial Institutions today and there are no online payday loan lenders licensed in the state of Virginia. I even had one call work today to tell me if the payment arrangements were not made tomorrow they were turning it over to a collection agency and reporting it to the credit bureaus. I thought they couldn't report them. I even looked at their website and they don't even loan to people in Virginia anymore.

hope, if they want to turn you over to a collection agency for an illegal pdl, let them. Once you get turned over, send the collection agency a debt validation letter. Very slim chance of them properly validating an illegal debt. If it does actually hit your credit reports, you can dispute it with the credit bureaus and have it deleted off your reports.

P.S. - If they do turn you over to collections on an illegal pdl debt, you can also file complaints against the the collection agency with the government agencies.