Payday loan problems

Hello and welcome to the forum! I am going to post your state pdl laws. Me oh my, they aren't very stringent. :?

Utah State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
Utah Code Ann. ???? 7-23-101 et seq.

Loan Terms:
Maximum Loan Amount: No Limit
Loan Term: May not exceed 12 weeks
Maximum Finance Rate and Fees: No usury limit
Finance Charge for 14-day $100 loan: No Limit
apr for 14-day $100 loan: No Limit

Debt Limits:
Maximum Number of Outstanding Loans at One Time: No limit
Rollovers Permitted: Not Specified (cannot extend or renew loan more than 12 weeks from original loan date)
Cooling-off Period: None
Repayment Plan:

Collection Limits:
Collection Fees: Not Specified
Criminal Action: Not Specified

Where to Complain, Get Information:
Regulator: Utah Department of Financial Institutions
Address: 324 South State Street, Suite 201 Salt Lake City UT 84111
Phone: (801) 538-8830
Fax: (801) 538-8894
Regulatory Contact: ,
Regulator Website

Have you defaulted on the store front loans also? All of them? This is very important, because if you haven't, then you can evoke the epp on the stores which are CFSA members, I'm pretty sure Cash Net USA is. The epp is an extended payment plan, that means they would allow you to make four equal payments instead of paying them all at once, but only if you go into the store BEFORE the due date of the loans. I see that Cash Store is currently in collections so you won't be able to evoke the epp with them.

Internet loans -

USA Cash - We'd have to check on this one.
ameriloan - unlicensed/illegal
Paycheck Today - unlicensed/illegal
CashNetUSA - licensed/legal

Storefront loans:

Cash Store - since you've been turned over to collections, you should be able to work out some kind of payment plan with them to get it paid down.

QC Finance - is this Quik Cash? Or is the name of the storefront?

Check City - I do believe is a member of the CFSA.

Checksmart - I do believe is a member of the CFSA.

Check It Out - I'm not showing them as a member.

USA Cash is USA Cash Services. Their webpage is very similar to ameriloan and they both send identical emails. Neither one of them will send me any paperwork or payoff. They say it's all online and I can't send them a money order either. If they are illegal, what is the next step? We have closed our account, so they can't get any money, but do we have to do anything so they don't attach to our credit reports?

QC Finance is taking the case to County Court on Friday. They call my work, my husband's, our phones, and text everyday several times. They are the only one's going to extreme measures. Is there anything we can do about it?