Can online pdl compies get u in trouble for check fraud!

Hang in there Guest. I have never heard of this company, but I am sure someone here will be able to help you.

Don't quote me here, but I think if it's an online payday loan company they can't get you for check fraud... but someone with more knowledge will be along shortly to answer your questions.

What state do you live in? And also, you may want to register so that you can log in and find your posts more easily.

Best of luck to you!

I live in delaware

I'm trying to find more information for you. There is another post from a user who went through cashin30minutes.com.

One of the replies they got was this one from njl32: "No criminal action can be taken against the consumer due to nonpayment of outstanding amount or, unpaid return check or automated clearing house transaction. Lender can collect reasonable collection cost or attorney????????s fees, provided these additional charges are mentioned in the agreement paper."

"This is from the Delaware law section. You will not go to jail or be charged with check fraud. Lenders do need to be licensed in order to lend money, even online. I do not know off the top of my head whether cash in 30 minutes in legal but due to the fact that they threatened you like that I would guess that they are not."

Here are the Payday loan laws for Delaware (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Im confused next to criminal action its blank so does that mean they could could pursue criminal actions against me? :(

I highly doubt that cash in 30 minutes is even a licensed lender, but I am not 100% sure on that.

To the Guest who keeps posting this request for help in multiple threads...please try to keep your requests for help down to one thread. Several people here have responded to your requests for help with this same issue more than once in the past 24 hours, but we keep seeing these posts over and over again.

We're trying to help you out here, but it's impossible to keep up with your requests for help when they are posted so many times. Plus, it makes it very difficult for you to keep up with what advice you've been given.

If you are looking for your earlier threads to see the information you were given in response to your questions, please do a search, using our search engine at the top of the page, on "check fraud" or one of the multiple guest names you've used.

If this is indeed a different "guest" than the one I'm thinking of, please accept my apologies. We're just trying to keep multiple posts from clogging up the boards here.

Thanks! :D

I think they might be licensed they have storefronts in DE BY THE NAME OF EASYMONEY/EMG AND THERE LICENSED IN DE.But there corprate office is the one who runs cashin30minutes.com in there located in Virgina...Im very worried.. :cry:

YES im a new guest this is my first post here on this forum!!

Ok, my apologies, guest. We've just had another guest posting multiple times regarding the same company, and they also lived in Delaware, borrowed the same amount you did, and received the same phone call from a collection agency/attorney's office. So you can see how it was easy to think you were the same person.

Again, my apologies, and if you need more info, please feel free to ask.

If they have store fronts then I would bet that they are licensed and operating within the law in your state. If they are licensed then you need to work out a payment plan with them to pay them back. I would think that as long as you communicate with them you will be ok. I am sure that someone will come along with more advice and knowledge on the licensed lenders.

I got that quote posted above from another post with all the DE laws listed.

Sure i definitley see why you questioned that! aologie accepted...But however im still confused it states in Delaware laws that payday loan companies are only allowed to loan 500.00 maxuim but they loaned me 700.00 .IM so confused :cry:

I got that law info from this site. If you go to the Payday Loan Help forum main page and click on the sticky for laws from each state, then click on the DE link you will see where I got the whole "you cannot be prosecuted criminally etc."

YES i have kept in touch with them but they want there money and i dont have it at the time..

I have seen DE laws but where it says criminal action it blank it dosnt state anything and thats why im very scared out of my pants!

Hey in my state which is DELAWARE it states that the most you could borrower is 500.00 and they loaned me 700.00 does that make the loan not legal or what

they can't do anything to you. Its like not paying a credit card bill. They might report you to chexsystems and you may have a hard time getting a new bank acct.

Let me ask a question here: did I understand that you took out this loan over the internet--even though they have storefronts in your state?
If you did not go into a storefront to take out this loan, then they can't charge you with check fraud, as there is no paper check to be fraudulent. You still need to pay back what you borrowed, however.

Yes i definetly wanna pay the loan back as soon as possible im just traped in a financial bond right now and they are not willing to work with me they want a full payment! And yes i took this advance out online ..and they do have storefront stores in my state but i did everything to get my payday advance online

SO do you think that this National Attorney collection service.that called me to collect the debt is trying to scare me !

They are definately trying to scare you, that's a given and that's what they do best. I would get an address for them and send them what you can. If they cash your money orders (and that is all I would send them) then they do accept payments since they would be taking yours. I really doubt that they wouldn't accept them. And if they don't, you can say that you are making good faith attempts to pay and they are not accepting your money.

SO have you ever heard of National ATTORNEY COLLECTION SERVICES THAT IS THE COMPANY WHO HAS MY DEBT NOW....AND WASNT WILLING TO ACCEPT PARTIAL PAYMENT .....THEY WANT THE FULL BALANCE WHICH I DONT HAVE RIGHT NOW

There are several threads in this forum about Attorney Collection Services, why don't you try doing a search on in the upper right hand corner and see what you come up with. I know one thing for sure, if it were me, I would send them a debt validation letter and MAKE them validate that debt before I sent them a red cent. :)