Stop calls and what are my rights?

I will post the laws for your state, and then we can get started helping you

You will find the Payday loan laws for Washington here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
Please list for us who you have loans with, the amount borrowed, and the total amount (fees and principle) that you have paid. also tell us if they are internet or store front

Thank you for your help!

Moneytree (store front): loan amount 700, paid 460
Advance America Cash Advance (store front)loan amount 400, paid 260
Cashnet(payday loan yes)(internet PDL: loan amount 350, paid 420 in fees
National Cash Advance (internetPDL): loan amount 200, paid 244 in fees

Cash Net is totally illegal - And very hard to deal with.

The storefronts are going to be legal and you can use the law to your advantage.


You can set up payments plans with them.

What does that mean that they are illegal, what can I do about it, if anything? Thanks for your help!

I'm sorry to bother y'all but I still don't understand what it means when someone says that a company is illegal..I hope I don't sound like an idiot.

When a company is illegal it means that they cannot lend legally. They are breaking the law and that makes the debt not a legal debt. They cannot collect interest or fees on an illegal debt.

And there are no stupid questions! Anything you need clarification on, just ask!

So if Cash Net (Pay Day Loan Yes) are illegal, does that mean they are illegal in WA state? What can I do to stop the calls and get them off my back, I know it's hard to deal with them, but is there a letter or something I can send to them?