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Debt Consolidation Forums Payday Loan help forums

Read this before posting in payday...DO NOT POST IN THIS THREAD...START YOUR OWN loan forum

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We are here to help you but we need information to help you.

1. What state do you live in??
2. Who did you borrow from?? Full name of lender.
3. How much did you borrow?
4. How much have you paid?

Include any other information you think might be important.

And please, register with the forum....that way you will be notified when there is a response!!!fc


I currently am drowning in payday loan debt it is taking most of my checks every two weeks and barely leaving any money to actually live on for my family. I want to take control and get out but I am extremely afraid of the tatics they will use against me. I've heard of people going to jail because of this and that scares me to death............I want to try and accomplish my goals in dealing with these before my next payday of 12/28/2012. I live in Ohio and I have the following loans out

Plain Green Loans (2) 1-mine 1-my husband

Cash Direct Express

Cash Direct Express Loan is $600 I have paid $826.00

Plain Green Loans is $1600 I have paid 2213.92 & still have a balance of 1365.75.

I have taken multiple loans with this company and have over paid them on all of them. Is there any course of action for the previous loans or just the current??? Please Advise ASAP!! These are literally ruining my life :( Thank you all for your advice and support

Sub: #1 posted on Mon, 12/17/2012 - 15:56


As all the moderators here will tell you, set up ACH revocations with your bank or close the bank account associated with these loans. Then check with your state's Dept. of Finance to see if these lenders are licensed in Ohio. If they aren't, proceed at your pace. I have dealt with Plain Green and they are fairly easy to deal with once you go into collections. These stupid pdl's will ruin your life - or at least rob you of good night's sleep...I know from experience. I'm digging out of a MASSIVE hole by following the advice I've read on this site.

Sub: #2 posted on Tue, 12/18/2012 - 08:55

PDLHater PDLHater

(Posts: 1 | Credits: )

Hi I tried to start a new thread in this forum, I used the "?Ask An Expert" button. Does anyone know how long I should wait to see if it shows up before just reposting? I cant see it from my account page either. Thanks

edit- spoke to Jason and my post was flagged as spam. Will try again.

Sub: #3 posted on Mon, 12/24/2012 - 07:49

pdlhelpinmaine pdlhelpinmaine

(Posts: 18 | Credits: )

I still cannot start a new thread.

Sub: #4 posted on Wed, 12/26/2012 - 18:53

pdlhelpinmaine pdlhelpinmaine

(Posts: 18 | Credits: )

I'm having the same problem with my posts.

Sub: #5 posted on Sun, 12/30/2012 - 15:01

rhiannasilel rhiannasilel

(Posts: 4 | Credits: )


Sub: #6 posted on Sun, 01/06/2013 - 21:48


Im unsure how to post threads on here, i pressed the Ask an expert button at the top then when i went to submit it said that a moderator has to approve of the thread. That was yesterday and i still am not seeing it :( Will it be posted or do i need to take some other action?

Sub: #7 posted on Thu, 01/24/2013 - 10:08

mferg mferg

(Posts: 9 | Credits: )

I must get across my gratitude for your kindness in support of men and women who actually need assistance with that field. Your real dedication to getting the solution throughout had been definitely interesting and has all the time allowed regular people much like me to achieve their goals. The warm and helpful tutorial implies much to me and even more to my peers. Thanks a ton; from each one of us.

Sub: #8 posted on Mon, 01/28/2013 - 07:12


I live in Michigan and have 2 storefront loans and 10 internet loans. I fell into the cycle of getting a loan to pay another one. The only reason I got into this was b/c my husband was ill and not working. I was going through Progressive Debt Relief, but they only paid one bill in four months. These are my loans:

GECC/Cash Direct – Loan $600

Idealgelt – Loan $750

Sure Advance – Loan $400

Cash cure – Loan $600

Plain Green Loans – balance $1,538

Great Plains Lending – balance $369.25

Advance America – balance $600

Check ‘N Go – balance $600 -

Cashcall - balance $2500 -

Payday Nation – balance $300

This has affected my health and marriage. I just want to end this. I dont know how much more stress I can take. Please help.

Sub: #9 posted on Wed, 01/30/2013 - 17:55

foursacharm foursacharm

(Posts: 3 | Credits: )

Ok..most of your loans are illegal. You need to follow the link in my signature line on how to deal with them. ACH revocation, CLOSE your account...follow ALL of the steps.

GECC/Cash Direct – Loan $600 DE BASED..PROB ILLEGAL

Idealgelt – Loan $750 ILLEGAL

Sure Advance – Loan $400 DE BASED..PROB ILLEGAL

Cash cure – Loan $600 PRETTY SURE ILLEGAL

Plain Green Loans – balance $1,538 ILLEGAL TRIBARL

Great Plains Lending – balance $369.25 ILLEGAL...TRIBAL

Advance America – balance $600

Check ‘N Go – balance $600 -LEGAL

Cashcall - balance $2500 - Did this originate with Western Sky??

Payday Nation – balance $300 ILL3GAL...UK BASED

Michigan Payday Loan Laws

State Legal Status

Lending of payday loan is considered legal in the State of Michigan.

Loan Specifications

Maximun Amount of Loan - $600

Term of Loan - Maximum 31 days

Maximum Rate of Finance and Fees - 15% interest rate on the first $100 loan; 14% interest rate on the second $100 loan; 13% interest rate on the third $100 loan; 12% interest rate on the fourth $100 loan; 11% interest rate on the fifth $100 loan; 11% interest rate on the fifth $100 loan + fees for any database verification

Finance Charge on $100 loan for a 14 day period - $15

APR for $100 loan for a 14 day period - 390%

Debt Limits

Sub: #10 posted on Thu, 01/31/2013 - 20:15

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