Help! Need Advice On How To Proceed With Online Payday Loans In Wisconsin

Three of your loans are definately illegal tribal loans. You only owe principal...no fees, no interest, no rollover charges. Do not consolidate.
You can look up WI laws here...
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html


Ameriloan - Borrowed 300 illEGAL TRIBAL LOAN
UsFastCash - Borrowed 300 ILLEGAL TRIBAL LOAN
AdvanceMeToday - Borrowed 400 cant find address
White Hills Cash - Borrowed 405 ILLEGAL TRIBAL
Anasazi Group - Borrowed 250 owe 325 but have paid 75 refinance charge about 5 times..located in MO but not sure if legal.
National Group - Borrowed 250 not sure where located

UsFastCash and AdvanceMeToday told me I could only make payment arrangements in denominations they deemed, not a payment plan that would work for me. In fact, UsFastCash refused to speak with me after I brought up being licensed here and when told "we absolutely are" I was then told the rep wouldn't talk to me any more due to the language I was using and to leave a message with a supervisor and never heard back.

AdvanceMeToday told me they would only take payments in the amounts they listed, then when I said that wouldn't work because of my budget I was told they were marking my account as fraud and a local affiliate would show up at my employer unless I was willing to settle for $400 today. They were incredibly rude and unreasonable.

White Hills Cash kind of acted like they didn't care if I could pay or not pay, and was supposed to receive a call from a supervisor but did not. The guy did however say something about my information being in "the system" and that the system would not allow me to use my check card or account or open new ones. I'm in the process of opening a new account right now, and will either be complete tomorrow or Monday due to business days.

Anasazi and The National Group I'm wondering if because of payments made I in fact owe nothing then because I've made the principal amount paid now. Ameriloan has tried submitting a "fake" check but it was blocked. The woman I spoke with at my bank today was outstanding in trying to assist me with this matter.

What are my options? Do I have to agree to the amounts they want for a payment plan? Is filing chapter 128 a good route? I do have stop payments on all of these and cannot wait until I can close my checking account. I'm also a veteran and wondering if I should speak to someone at the VA and see if there's legal or financial advice/assistance they can offer. My biggest concern isn't getting these eventually paid, but rather them contacting or showing up at my place of employment. I appreciate any additional info/advice and what you've already given :)

Edit/Update: I did find at the bottom of an email AdvanceMeToday sent this location. Not sure if that helps or is important.

This email was sent by:
AdvanceMeToday
PO BOX 1124-1007
San Jose, Costa Rica, 10102

I found this at the bottom of their email for the NSF cause of the stop payment I put on them. Do I even need to pay them if they're out of country?

This email was sent by:
AdvanceMeToday
PO BOX 1124-1007
San Jose, Costa Rica, 10102

I sent the illegal pdl letters to UsFastCash, AdvanceMeToday, and White Hills Cash (Island Finance, LLC). Any advice on what I should do next? I did state in there to the first 2 that I've made a payment of $90 and $120, respectively, and what the remaining principle balance owed is. I also stated I would only send payment through the mail to a physical mailing address. I also requested to be sent something in writing stating what I owe and why.

I am going to email Ameriloan as well as the other 2 as I believe they are illegal also. Again if anyone knows of anything else I need to do or should do please let me know your advice is greatly appreciated.

So I received a call from my bank stating I cannot close and open a new checking account. They said there was some type of savings account I could open however I am only allowed 6 withdrawals per billing cycle which will not help.

I need advice on what I should do because I cannot keep going through this and having them attempt to ACH, even though I have stop payments set up. What happens is the charge goes through on Friday, but then gets returned the next business day which is Monday. I'm literally at a crossroads as to what to do and do not know what my options are. I'd like to pay these off however when I said what I could pay I was told they wouldn't take that amount.

Also, because AdvanceMeToday attempted an ACH today, I do have an email confirming I owe nothing. I'm aware that this will get sent back, but could this technically be used to show I owe nothing? They were by far the rudest and most difficult to speak with yesterday.

Please can someone please offer me some advice as to what the next steps are I should be taking. Apparently something in the last 12-24 hours showed on my credit report which is what caused the bank to not be able to open my new account. I ran mine last night and it was definitely not there last night. I am at my wits end as to what to do now.

Got this response this morning. Please if anyone can give me some more advice I would greatly appreciate it.

[LEFT][FONT=Arial][SIZE=2][COLOR=#0000ff] Good Morning,
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As clearly indicated in its Website disclaimers and the loan documents executed by you, White Hills Cash/Island Finance, LLC is a wholly Native American owned Limited Liability Company located within the boundaries of the Fort Belknap Indian Community (Tribe)???, a sovereign Native American Nation. As such, White Hills Cash/Island Finance, LLC conducts it business under Federal law and the laws of the Fort Belknap Indian Community (Tribe)???. Native American tribes have a special status under the US Constitution and as such are exempt from state regulation. Pursuant to Federal Law, White Hills Cash/Island Finance, LLC is a completely lawful enterprise in any area.

You specifically agreed to comply with all terms and conditions of the Loan Agreement upon execution and return to our office located on the Reservation. White Hills Cash/Island Finance, LLC relied upon your representations in good faith and approved your loan based upon such representations. White Hills Cash/Island Finance, LLC loaned you the money in good faith that you would repay the note as promised White Hills Cash/Island Finance, LLC is fully within its rights to seek repayment as originally agreed.
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[FONT=Century Gothic][SIZE=2][COLOR=#8000ff][COLOR=#8000ff]Administrative Supervisor[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Century Gothic][SIZE=2][COLOR=#8000ff][COLOR=#8000ff]office: 1-800-986-1962 Ext. 5107[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Century Gothic][SIZE=2][COLOR=#8000ff][COLOR=#8000ff]fax: 1-800-986-1963[/COLOR][/COLOR][/SIZE][/FONT]
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