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I have dug a big hole for myself and have multiple payday loans both online and store front. Here is a list and the state and city I am in. please help!



Ace Cash Express Loan: $385 Payment Plan/4 left of $95

Check Mate Loan $480 Payment Plan/5 left of $95

Allied Cash Express Loan $480 Payment Plan/5 left of $95

EZ Money Loan $500

Emergency Cash Loan $500

Fast Cash Loan $300

EZ Check Loans Loan $300 Store Front

Check Lenders Loan $300

Four Star Loan $300

Rent-A-Center Loan $500

Advance America Loan $280 PayPlan/3 left at $95

Quick Cash Loan $500




CashNetUsa Loan $500

AdvantageCash Loan $300 Internet



I live in Colorado Springs, Colorado




Legal Status: Legal

Citation:
Colo. Rev. Stat. ???? 5-3.1-101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 40 days
Maximum Finance Rate and Fees: 20%: $0-$300 + 7.5%: $301-$500
Finance Charge for 14-day $100 loan: $20
apr for 14-day $100 loan: 520%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: One (renewal)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $25 NSF fee; Court Costs; Reasonable Attorney's Fees not to exceed loan amount
Criminal Action: Prohibited (Unless the consumer's account was closed before the agreed upon negotiation date)

Where to Complain, Get Information:
Regulator: Colorado Office of the Attorney General
Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203
Phone: (303) 866-4494
Fax: (303) 866-5691
Regulatory Contact: Laura Udis,, Administrator

Sub: #1 posted on Thu, 09/04/2008 - 12:25

danilewis82 danilewis82

(Posts: 296 | Credits: )

umm ok...now what?

Sub: #2 posted on Thu, 09/04/2008 - 12:32

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mjake, Could you tell us which are storefronts and which are internet. I know you listed by some that they were storefront or that you had a payment plan. Some companies you listed do both....your storefronts are going to be licensed and legal, you are going to need to work out payment arrangements with them. Are you current on these or have you defaulted already? The loans that are internet - the companies must be licensed in CO to lend in CO.

Sub: #3 posted on Thu, 09/04/2008 - 17:51

RoxyNY RoxyNY
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(Posts: 4178 | Credits: )

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