Legal vs. CSO

If they are not licensed to lend in Texas I seriously doubt they are a registered CSO in Texas....
Are CSOs required to register with the secretary of state?
Yes, § 393.101, Finance Code, provides that before conducting business in Texas, a CSO must register with the secretary of state. See Form 2801. A registration must be accompanied by proof of security or a statement explaining why proof of security is not required and the registration fee. Each registration is effective for one year and may be renewed.

How do I determine whether a CSO is registered?
The names of CSOs that have registered with the secretary of state may be searched using our Credit Service Organization Search.

What if the CSO is not registered or engages in fraudulent or deceptive practices?
Chapter 393, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code §§ 393.501–.503. A consumer may take private legal action against a CSO for failing to comply with its contractual obligations. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the CSO has violated Chapter 393, Finance Code, by engaging in a false, misleading, or deceptive act or practice.

Operating an unregistered CSO is a violation of Chapter 393, Finance Code, and may also be a criminal offense. The attorney general or a district or county attorney may investigate an alleged violation of the Act. If you notify the secretary of state, this office will notify the CSO of the registration requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any CSOs that are not registered to:

Registrations Unit
Statutory Documents Section
Office of the Secretary of State
P. O. Box 13550
Austin, Texas 78711-3550
(512) 475-0775

The secretary of state is a filing officer for CSO registrations and security and does not have authority to regulate the business practices of a CSO. The secretary of state cannot resolve disputes about CSO services, investigate the business practices of a CSO, or determine whether a consumer is entitled to a refund.

You may also report any problems that you have with a CSO to the Federal Trade Commission. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. Complaints with the FTC may be filed online or by calling 1-877-382-4357.

Consumers may also wish to file a complaint with the Better Business Bureau.

Thanks! I've checked and none of them are on the list for TX as being legal. I don't know how to find out if they are operating as a CSO though, since some use so many umbrella names.....Any ideas?

I doubt they are - who are the lenders? How much did you borrow? and How much have you repaid? Follow this link on how to deal with -http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
If they are not licensed in TX under the name you borrowed from then they are illegal plain and simple.

ABL-$520
ACECashExpress-$586
Beacon-$289
Fox Enterprises-$260
Fox Enterprises-$280
IPL-Integrity-$650
MyCashNow-$520
Netpdl-$279
Parkway1-$494
VistaB-$455

And you can't find any of them? Are these all internet or any of these store front? I haven't looked them all up - But I am pretty sure Ace is legal... What is ABL? Beacon more to name?Fox Enterprisesnot sure about.. IPL i believe is only a loan matcher.. My Cash Now - offshore - Canada - probably not legal, licensed.. Parkway 1 can't find their website.. Vista B Offshore Nevis West Indies...

How much orginally borrowed and how much already paid to date on each?

Try this website and list them in the DBA - http://occc04.occc.state.tx.us/default.asp the only one I found was ACE cash express - Them you will want to call their corp office and talk to collections and see if you can work out a payment arrangement.. you will still want to revoke their ACH authorization..

Fox is illegal