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ohio help

Date: Thu, 08/06/2009 - 13:07

Submitted by tmurgatroyd
on Thu, 08/06/2009 - 13:07

Posts: 7 Credits: [Donate]

Total Replies: 7


i have 6 store front loans out ace cash express, national check cashers, always loans, check land, cashland, first national, all are 800, each, i defaulted on all loans set up payment arrangements , took a 1200 dollar a month pay cut can only pay so much yesterday a man from ace called told me to get a lawyer if i did not take 500 to the store by fri, or a sheirrf will come get me for writing a bad check, i was a college football for 21 years the only way i can come up with that is to sell my championship rings which i love. what should i do also last pay they took 500 out of my account , i am scaird. please vadvise it is my own fault


Be patient, sometimes it might take an hour or 2 to get an answer. Storefronts are legal so you will have to make some kind of arrangement with them and if they are not paid they can and will sue you. It sounds like they are debiting your account? If so you can close the account but you still will need to make some kind of arrangement with them to get them paid back. Sit down with a list of all thier numbers and call them up and explain and see what they can offer in the way of payments. I have a feeling though that they may be installment loans which will make it harder to make arrangements with. You will probably find some are more willing to work with you than others. Installment loans are not like pdls.

Go thru all of your expenses and see if there is anything you can cut out for awhile to get these guys paid- like cable tv, long distance, cell phone, going out to eat, air conditioning etc.

They are legal and they will call you so the sooner you can work something out with them the better.

I'm sure someone will be along who knows more about ohio & installment loans than I do. Try to calm down and breathe.


lrhall41

Submitted by resqume1 on Thu, 08/06/2009 - 18:22

( Posts: 324 | Credits: )


thanks you have been great what if i can not make the min payment they set is it ok to pay less they told me if i did not pay 500 today the police would come to my work next week for writing a bad check....is thsat true... if not can i pay them a little at a time.. thanks for your help they said i broke the law by writing a bad check.


lrhall41

Submitted by on Fri, 08/07/2009 - 04:27

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For starters, I would call the Corp Office for ACE and report this employee for threatening you with criminal charges. Next, we need to really look at yout finances. You have 6 loans at $800 apiece. This alone is a big hole and when combined with other debts, may be too big to dig out of without help. I would start with CCCS and see if they can help you. Your final step might be filing bankruptcy. While most do not want to do this, you have taken a cut in your pay by $5000 and still have the above stated debt along with normal expenses, there may be no choice. In this economy, it does not caarry the stigma that it once did. I may consider going there first.


lrhall41

Submitted by PDLOwner on Fri, 08/07/2009 - 08:00

( Posts: 1049 | Credits: )