Paying repeated refinance charges

Hi g3ewizz,

If the payday lenders are legal in your state and if you do not pay them, then they may charge off the debt or may take legal actions against you. This will have a negative affect on your credit report. If the payday lender is illegal in your state, then they won't be able to take any legal actions against you.

Take care

What state are you in? US Fast Cash and Pepper Cash are not legal in several states. Find out if the lending of pdls is legal in your state from the following url:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Your credit score will definitely get hurt if you stop making payments on the legal loans.

Pepper cash and US Fas Cash are not legal in ANY state. Pepper is offshore and US Fast Cash is tribal.

Since the lenders are illegal, so you can get rid of the debts by paying them only the principal amount. Illegal lenders won???t be ale to take any legal action against you. If you have paid them more than the principal, then ask them for the refund. To know about how to deal with illegal lenders, you may visit the following link:
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

since all three are illegal as whisper is illegal as well(i don't need the state i just know) you not only owe just the principle,but anything of those rollovers(aka finance fees)gets deducted from that.example:

you borrowed 300.00 from USFASTCASH.they debit 90.00 three times.you only owe 30.00.that's how it works.please try to remember how much was debited thus far.you must got to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of the paydayloan help forum.it has all you need from template letters to every step needed to get these out of your life.just know that if you haven't closed your account you must do so asap as that is the first step in the sticky.