Payday Loan Help

Hi there, I need to do a little research before I respond, hang tight.

Your payday loan laws are at the link below:
paydayloaninfo.org/stateinfo/WI.asp
Your state had some funny laws, Internet payday lenders aren't legal in your state if you were solicited, if you weren't, then they don't need to be licensed in your state, they can be licensed in ANY state.

I happen to know that Integrity Advance and Everest aren't licensed anywhere, so you have overpaid them and are due a refund, all you would have been obligated to pay them would be the amount you borrowed less any interest and fees. I'm not sure about Frascella Enterprises but I will research them to see where they are licensed, it might be in DE.

Check n Go are legal lenders and are members of the CFSA (Community Financial Services Association of America), this is good news because it means you are eligible for an EPP, click the link below to read about the EPP, you may have to push the issue but you ARE eligible and they MUST allow you to sign up for it:
cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html

Yes, Frascella is licensed in DE, this means you would have to follow the DE payday loan laws, they are at the link below:
paydayloaninfo.org/stateinfo/DE.asp

You need to make payment arrangements with the legal lenders, and tell the unlicensed ones to take a hike, they owe you money! CLICK HERE to find out how to deal with illegal lenders.

Thank you Shazzers - there are so many links on this site...I have to admit I fired off a letter via email to Everest before I was sure my bank account is closed - did I really screw up??? My account is overdrawn so they can't do a debit anyway...

thanks for the info.....I am a little scared. Do the illegals eventually back off? Planning to work something out with Check into Cash and Frascella.

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Me again - My bank "seems" to be very concerned about my dilemma and offered to open a new/seperate account (with different numbers). When I asked them if the PDLs would be able to access that they said "oh no". In WI they can only try to put through an ACH 2 times, I was also assured that since my account was negative no further charges can come through. They put an ACH block on my "old account" and said they would watch for any attempts to withdrawal anything from this account since I told them I no longer write checks or use my check card....is it still a better idea to close it out completely? I do really love this bank.....

If it were me, I would close it.