Are these legal companies in IL

Genesis Financial Services is a legal lender.

United (is this United Cash Express?) If not, they aren't licensed.

Integrity Advance, 500 Fast Cash, All Credit Lenders and Payment Direct are not licensed under these names.

Were any of these storefront loans or are they all internet?

All the loans were internet and none of them were from storefront.

I believe United Cash Loans and United Cash Express are same companies based on some research I did.

How can I find real names of Integrity Advance, 500 Fast Cash, All Credit Lenders and Payment Direct to ensure they are not legal. I am trying to search through http://www.idfpr.com/dfi/ccd/ccd_licensees.asp but it does not show any information on these companies.

I take that back.. United Cash Loans is not same as United Cash Express.. they operate as United Cash loans and as Ameriloans.

Genesis is the only legal lender.

Thanks... how would I deal with these companies.. I have already paid in full to all these companies and have hold the bank account. Is there any e-mail I would need to send to these companies so that they don't try to process ACH from my account.
Also, I had given my office number to all these companies, how can I stop them from calling me on that number?

You can't really stop them from calling. They are doing business illegally afterall. Just send an email to their customer service address and tell them that you've discovered they are not licensed to lend in your state, therefore the contract is void and you are willing to repay the principal of the loan and only that amount. If you've overpaid, ask for a refund. If you still owe them some money, set up an arrangement to pay via a money order (through the mail) or via a pre-paid credit card. Do NOT give them any new account info. Just tell them you no longer have a checking account. Also include language in the letter stating you revoke any ACH permission you've given and any wage assignment you may have signed. Give a copy of each email to your bank and your HR department. Request that all contact be made via email and/or postal mail. Also, file complaints against all of these companies with your state's Attorney General and the FTC. Your account is already safe. That's the most important step.

You'll start getting calls. And they'll argue choice of law. Just stick to your guns. They'll stop eventually.

Also, contact your 1 legal lender and set up an alternate payment arrangement. Just tell them your account was closed due to some suspected unauthorized/fraudulent activity.

I found that Get Cash USA is licensed in IL as:
ZOA, LLC
D/b/a Get Cash USA
5205 West Fullerton Avenue
Chicago IL 60639

I also started looking at the agreements and this is so far I found with Get Cash USA and United Cash Loans. Does this make me payable to both companies for the loans I have taken although I have paid more than what I had taken.

Get Cash USA -
Choice of Law: This Agreement has been made in and shall be construed in accordance with the laws of the State of Illinois, without giving effect to any choice of law rules.

United Cash Loans-
Governing Law: Both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and by signing below or by your electronic signature, you hereby contractually consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lenders is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency.[FONT=arial][SIZE=-3][/SIZE][/FONT]

nope get cash is legal united is not as any pdl in IL is subject to IL law.in fact except for TN no state goes by the laws of the lender.that is the tipoff as to a lenders legality.

I also found that All Credit Lenders operate as CMK Investments and are licensed in the state of IL.

Can I work with them on repayment plan since this company falls under customer installments loan companies. The way they have setup the payments are with finance charges of over $1500 for $300 I had taken. I have paid $518.

Also, I am not willing to share my new bank information with these legal companies but can pay them back through Moneygram or other means.

ah yes i have dealt with them as well.unfortunately they can enforce the terms as they are not a pdl,but an installment lender.yes the interest is borderline illegal,but they have you.but all credit should take moneygram or a prepaid debit card,but no you shouldn't have to give new bank info to the legal lenders.they worked with me and they should work with you.

I'm so glad you verified the names. Try offering a settlement to the legal ones. They may bite.

Is it a good idea to wait until they call or just start with the settlement offer. Can I tell them that my account is closed from where they used to process the ACH so that they don't charge for NSF or other return charges.

I would tell them the bank closed your account due to fraud/identity theft and you need to set up alternate payment arrangements and then make a settlement offer.

yes i do know all credit will settle as friends of mine(despite my warnings)got loans through them.they did settle so at least with them it can be done.

So.. now that I have "defaulted" the ACH... I got a call from All Credit and Get Cash and told them truth as they both are legal in IL.
All Credit and GetCash USA mentioned that I would need to make the payment first at any store location but cannot send money via Moneygram or other source. They mentioned that they can work on payment plans once they receive the pervious payment.

Also, I got a voicemail from Payment Direct which I believe is not legal in IL. Would it be okay if I send them an email that you guys are not legal in IL and I have paid the principal back hence I do not owe anything?

yes as payment direct is not legal and if you have paid the principle in fees then send that email.btw that is how all credit handled my friends too.

Before I send the mail or make calls for settlement to Get Cash and All Credit.. how many days these companies give so that I can better prepare myself and not run into other issues.

Generally, legal entities will follow CFSA guidelines. That means, no further interest will be charged and they'll break your current balance due into 4 (sometimes 5) equal payments which will be due over your next 4 (or 5) paydays.

You were so right.... I talked with Get Cash and they said they will call me on 5/11 and then we can work out on the balance due. Lady on phone mentioned we can break it into 3-4 payments and name will not be reported to credit bureaus.

The payday companies started calling me and are asking for debit card information on some sort of recorded line to secure the payment. I told these companies that they are not legal in my state and have already sent the mails accordingly.

What is the best way to deal with these companies apart from sending mails.

You have taken the right step by letting them know that they are not legal to operate in your state. You have also send the required letters/mails. I don't think the payday companies will harass you any further. You may not have to do anything more in this regard.